Smart authenticating card

• US 20060213970A1
• Filed: 05/05/2004
• Published: 09/28/2006
• Est. Priority Date: 05/08/2003
• Status: Abandoned Application

• Current Assignee: NXP B.V. (NXP Semiconductors NV)
• Original Assignee: Koninklijke Philips Electronics N.V. (Koninklijke Philips N.V.)
• Inventors: Trajkovic, Miroslav, Gutta, Srinivas, Philomin, Vasanth
• Application Number:
  US10/555,549
• Publication Number:
  US 20060213970A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06K 19/073 Special arrangements for circuits, e.g. for protecting identification code in memory protection against unauthorised use of computer memory G06F12/14
• CPC Class Codes: G06K 19/07354 by biometrically sensitive means, e.g. fingerprint sensitive fingerprint sensors in general G06V40/12; biometrically activated access control G07C9/25
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 using a biometric sensor integrated in the pass
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An authenticating card 10 for use in a transaction includes a memory 15 and a processor 20. Biometric data of an authorized user of the card 10 are stored in the memory 15 when the card is used for the first time. The processor 20 receives acquired biometric information 25 of the user and allows the transaction when there is a match between the acquired biometric information 25 and the stored biometric data. The biometric information 25 of the user desiring to perform the transaction may be acquired by an input device or reader 30, such as a scanner, recorder or a digital tablet. The biometric information 25 and data may be the user'"'"'s signature, voice print, palm print, finger print, length of finger(s), or eye scan.

Claims

1. An authenticating card for use in a transaction comprising:

a memory which is configured to store biometric data of an authorized user of said authenticating card; and

a processor which is configured to receive biometric information of said authorized user and to allow said transaction when there is a match between said biometric information and said biometric data.

2. The authenticating card of claim 1, wherein said processor is configured to compare said biometric information and said biometric data to determine said match.

3. The authenticating card of claim 1, wherein said transaction includes at least one of a purchase, financial, insurance and medical transaction.

4. The authenticating card of claim 1, wherein said transaction includes access to at least one of said biometric data and secure data stored in said memory.

5. The authenticating card of claim 4, wherein said secure data includes at least one of personal identification numbers and account information of said authorized user.

6. The authenticating card of claim 1, wherein said memory includes at least one additional data of at least one additional authorized user.

7. The authenticating card of claim 1, wherein said biometric data includes a signature of said authorized user, said signature being stored in said memory by reading said signature through pressure sensors of said authenticating card when said authorized user signs for a first time.

8. The authenticating card of claim 1, wherein said biometric data is stored in said memory by at least one of a provider of said authenticating card and reading said biometric information through an input device coupled to said authenticating card when said authorized user uses said authenticating card for a first time.

9. The authenticating card of claim 8, wherein said input device includes at least one of a digital tablet, a scanner, and a camera.

10. The authenticating card of claim 1, wherein said biometric information is provided to said processor by an input device coupled to said authenticating card when said transaction is being performed.

11. The authenticating card of claim 1, wherein said biometric data and said biometric information includes at least one of a signature, voice print, eye scan, palm print, finger print, and finger length of said authorized user.

12. An authenticating card for use in a transaction comprising:

memory means for storing biometric data of an authorized user of said authenticating card; and

processor means for receiving biometric information of said authorized user and allowing said transaction when there is a match between said biometric information and said biometric data.

13. An authenticating system for authenticating an authorized user comprising:

an authenticating card for use in a transaction, said authenticating card having a memory and a processor, said memory being configured to store biometric data of said authorized user of said authenticating card, and said processor being configured to receive biometric information of said authorized user and to allow said transaction when there is a match between said biometric information and said biometric data; and

an input device configured to obtain said biometric information from said authorized user.

14. The authenticating system of claim 13, further comprising a card reader configured to cause said processor to read said biometric data from said memory.

15. The authenticating system of claim 13, wherein said processor is configured to compare said biometric information and said biometric data to determine said match.

16. The authenticating system of claim 13, wherein said transaction includes at least one of a purchase, financial, insurance and medical transaction.

17. The authenticating system of claim 13, wherein said transaction includes access to at least one of said biometric data and secure data stored in said memory.

18. The authenticating system of claim 13, wherein said secure data includes at least one of personal identification numbers and account information of said authorized user.

19. The authenticating system of claim 13, wherein said memory includes at least one additional data of at least one additional authorized user.

20. The authenticating system of claim 13, wherein said biometric data is stored in said memory by at least one of a provider of said authenticating card and reading said biometric information through an input device coupled to said authenticating card when said authorized user uses said authenticating card for a first time.

21. The authenticating system of claim 20, wherein said input device includes at least one of a digital tablet, a scanner, and a card reader.

22. The authenticating system of claim 13, wherein said biometric data includes a signature of said authorized user, said signature being stored in said memory by reading said signature through pressure sensors of said authenticating card when said authorized user signs for a first time.

23. The authenticating system of claim 13, wherein said biometric information is provided to said processor by an input device connected to said authenticating card when said transaction is being performed.

24. A method of verifying authorization of a user of an authenticating card to perform a transaction comprising:

storing biometric data of said authorized user in a memory of said authenticating card;

receiving biometric information of said authorized user by a processor of said authenticating card; and

allowing said transaction when a match between said biometric information and said biometric data is determined by said processor.

25. The method of claim 24, wherein said storing act is performed when said authenticating card is used for a first time.

26. The method of claim 24, further comprising obtaining at least one of said biometric data and said biometric information by at least one of a card reader, a scanner, a digital tablet, and a provider of said authenticating card.