Bio-conversion system for banking and merchant markets

• US 20070078780A1
• Filed: 09/14/2006
• Published: 04/05/2007
• Est. Priority Date: 09/16/2005
• Status: Abandoned Application

• Current Assignee: Veritec Incorporated (Matthews Group LLC)
• Original Assignee: Veritec Incorporated (Matthews Group LLC)
• Inventors: Tran, Van, Kingsley-Hefty, John
• Application Number:
  US11/521,188
• Publication Number:
  US 20070078780A1
• Time in Patent Office: Days
• US Class Current: 705/65
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• 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 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 7/086 by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A high-security Transaction Card includes a card body having a perimeter and at least one face with a magnetic strip on at least one face or, electronic storage device such as used in a smart card having non-biometric data encoded therein. At least one two-dimensional Symbol encoded with binary data is included. The Symbol is located within the perimeter of the Transaction Card body on at least one face and the Symbol may have an identifying representation of biometric data of the authorized Transaction Cardholder encoded therein.

Claims

1. A high-security Transaction Card, comprising:

a Transaction Card body having a perimeter and at least one face;

at least one magnetic strip or electronic data storage device coupled to the body, having non-biometric data encoded therein; and

,

at least one two-dimensional binary information Symbol, the Symbol being located within the perimeter of the Transaction Card body on at least one face and the Symbol having an identifying representation of biometric data of the authorized Transaction Cardholder encoded therein.

2. The high-security Transaction Card of claim 1, wherein the card is a high-security Transaction Card.

3. The high-security Transaction Card of claim 1, wherein the card is a high-security identification card.

4. The high-security Transaction Card of claim 1, wherein the Symbol comprises the elements of digitized data.

5. The high-security Transaction Card of claim 1, wherein the biometric data comprises fingerprint data.

6. The high-security Transaction Card of claim 1, wherein the biometric data comprises retinal or choroids data.

7. The high-security Transaction Card of claim 1, wherein the biometric data comprises voice recognition data.

8. The high-security Transaction Card of claim 1, wherein the non-biometric data comprises account information.

9. A method of Transaction Card enrollment, comprising:

receiving biometric data from a user;

associating the biometric data with user data; and

producing a Transaction Card having a two-dimensional binary information Symbol applied to the Transaction Card and having coded therein the biometric data, the Transaction Card also having a representation of at least some of the user data coupled thereto.

10. The method of claim 9, further comprising:

entering user data via a computer.

11. The method of claim 9, further comprising:

sensing biometric data from a user.

12. The method of claim 9, further comprising:

determining validity of biometric and user data.

13. The method of claim 9, further comprising:

authorizing production of a Transaction Card.

14. The method of claim 9, further comprising:

sending completed Transaction Card to user.

15. A method of transaction using a Transaction Card, comprising:

providing a Transaction Card having a two-dimensional binary information Symbol having first biometric information about a user encoded therein so that the Transaction Card has a representation of the authorized user'"'"'s information;

reading the user information from the Transaction Card;

reading the first biometric information from the Transaction Card;

receiving second biometric information from the user;

comparing first and second biometric information; and

,

authorizing or denying the transaction based on the comparison.

16. The method of claim 15, further comprising:

completing the transaction.

17. The method of claim 15, wherein the transaction is a point of sale transaction.

18. The method of claim 15, wherein the transaction is an automated teller machine transaction.

19. A bio-conversion package, comprising:

a processor;

a Transaction Card reader configured to read a two-dimensional binary information Symbol on the Transaction Card having a representation of biometric information encoded therein and the Transaction Card reader configured to read other user information encoded on the Transaction Card; and

a biometric sensor coupled to the processor and configured to receive biometric information from a user.

20. The bio-conversion package of claim 19, wherein the package is incorporated into a point of sale terminal.

21. The bio-conversion package of claim 19, wherein the package is incorporated into an automated teller machine.