Transaction authentication card
First Claim
1. A transaction authentication card, comprising:
- a biometric sensor for sensing a biometric feature of a user;
a memory;
a processor for retrieving stored biometric data representing said biometric feature from the memory, the processor having a fingerprint matching algorithm for comparing a biometric feature of a user with the stored biometric data; and
a wireless transmitter capable of generating wireless signals of two different frequencies, wherein a wireless signal is transmitted on a one-to-one validation of the biometric feature, wherein the transaction authentication card is a stand alone device and performs self authentication, self verification, and self enrollment.
2 Assignments
0 Petitions
Accused Products
Abstract
A transaction authentication card uses a biometric input and a wireless output. The biometric input may be a sensor pad on the transaction authentication card that measures blood flow patterns, temperature, and/or fingerprint patterns to identify a user to permit access. The transaction authentication card is preferably substantially rigid, but may be formed to have some flexibility. Power to the transaction authentication card may be accomplished through an internal battery that is optionally rechargeable. Biometric data is stored on the card only and used for user verification. Biometric data will not be transferred from the card. If authorized biometric data is authenticated the card will transmit a wireless access code to a proximity reader or transaction equipment.
143 Citations
55 Claims
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1. A transaction authentication card, comprising:
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a biometric sensor for sensing a biometric feature of a user;
a memory;
a processor for retrieving stored biometric data representing said biometric feature from the memory, the processor having a fingerprint matching algorithm for comparing a biometric feature of a user with the stored biometric data; and
a wireless transmitter capable of generating wireless signals of two different frequencies, wherein a wireless signal is transmitted on a one-to-one validation of the biometric feature, wherein the transaction authentication card is a stand alone device and performs self authentication, self verification, and self enrollment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 48, 49)
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15. (canceled)
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31-41. -41. (canceled)
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42. A transaction authentication card, comprising:
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a body in the general form of a rectangular solid having a substantially hollow interior, the body measuring between 1 to 5 inches on a first side, 1 to 4 inches on a second side substantially perpendicular to the first side, and ⅛
to ½
inch on a third side substantially perpendicular to the first and second sides, the body being formed of impact plastics.a fingerprint sensor for sensing minutia points of a fingerprint of a user, the fingerprint sensor being mounted to an inside of the body such that a sensing portion of the fingerprint sensor is exposed through an opening in the body;
a first memory and a second memory, the first memory storing a database of enrolled fingerprints and the second memory being a read only memory for storing an identification code for the transaction authentication card, the identification code serving to identify the card to an access control device;
a processor for retrieving stored biometric data representing a biometric feature of said user from the first memory, the processor having a fingerprint-matching algorithm for comparing said biometric feature of a user with the stored biometric data, the processor reading a fingerprint pattern from the fingerprint sensor, the processor sending a signal to be transmitted;
an encrypter for encrypted the signal to be transmitted;
a radio frequency (RF) transmitter for transmitting the encrypted signal on a one-to-one validation of the fingerprint of the user, the RF transmitter capable of transmitting a first RF signal of a first frequency and a second RF signal of a second frequency, wherein the first frequency is between 100 KHz and 200 KHz and the second frequency is between 10 MHz and 20 MHz;
an antenna coupled to the RF transmitter for transmitting the RF signal;
a three color light emitting diode mounted on the body such that a first color indicates a first condition, a second color indicates a second condition, and a third color indicates a third condition; and
an internal power supply for powering all circuitry with the card, wherein said processor is configured for enrollment of said biometric feature of said user and storage of said biometric data representing said biometric feature of said user acquired during enrollment within said first memory. - View Dependent Claims (43, 44, 45, 46, 47, 53, 54)
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55. A transaction authentication card, comprising:
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a biometric sensor for sensing a biometric feature of a user;
a memory;
a processor for retrieving stored biometric data representing a biometric feature of said user from the memory, the processor having a fingerprint matching algorithm for comparing a biometric feature of a user with the stored biometric data and a serial number generation algorithm for generating a serial number based on the fingerprint matching algorithm; and
a wireless transmitter capable of generating wireless signals, wherein a wireless signal is transmitted on a one-to-one validation of the biometric feature, wherein said processor is configured for enrollment of said biometric feature of said user and storage of said biometric data representing said biometric feature of said user acquired during enrollment within said first memory.
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Specification