Methods of registration for programs using verification processes with biometrics for fraud management and enhanced security protection

• US 20070288759A1
• Filed: 08/16/2007
• Published: 12/13/2007
• Est. Priority Date: 05/22/2003
• Status: Active Grant

• Current Assignee: Access Security Protection LLC
• Original Assignee: Access Security Protection LLC
• Inventors: Wood, Richard, Wood, Christine
• Granted Patent: US 8,185,747 B2
• Time in Patent Office: Days
• US Class Current: 713/186
• CPC Class Codes: A01K 11/006 Automatic identification systems for animals, e.g. electronic devices, transponders for animals identification systems for access to feeding pens A01K1/0209; ear tags with electronic identification means A01K11/004
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Methods for pre-registering a participant in a program database using a participant smart card and biometric data in a verification process to manage fraud and enhance security and privacy protection are disclosed. The methods include pre-registering, or alternatively registering, individual information including biometric data in the program database, forming a secured registered account for the participant, and assigning the participant smart card to the participant with the secured registered account. The methods continue by determining risk factors for the participant, assigning at least one program with program risk factors to the participant, authenticating identity of the participant at a program access point, receiving eligibility verification or denial of the participant to access and use assigned programs, and updating the database data for exit verification. Cardless and contactless methods for identity authentication, eligibility verification, and exit verification include using biometric data or biometric data and assigned risk factors for accessing programs.

Claims

1. A method for pre-registering a participant in a program database using a participant smart card for a verification process to facilitate fraud management, security management, and privacy protection, wherein the steps of the method comprise:

a. pre-registering individual information including a first biometric data representing the participant in the program database as database data and forming a secured registered account for the participant;

b. assigning the participant smart card to the participant with the secured registered account, wherein the participant smart card comprises a data storage for storing a copy of the pre-registration individual information including the first biometric data in the data storage as smart card data;

c. assigning at least one program to the participant with the secured registered account, wherein each assigned program is stored on the participant smart card and in the program database, wherein each assigned program stored in the program database is assigned at least one program risk factor;

d. obtaining individual information on the participant for determining a risk factor for the participant;

e. verifying at a program access point that the participant with the participant smart card matches the smart card data for an identity authentication;

f. transmitting in a first transmission the smart card data from the program access point to the program database and requesting an eligibility verification of the participant to use the participant smart card for accessing at least one program;

g. receiving in a second transmission the eligibility verification or a denial of the participant to use at least one program from the program database to the program access point, thereby preventing fraud and enhancing security management and privacy protection; and

h. updating the database data stored in the program database for the participant with the secured registered account by transmitting in a third transmission from a program exit point to the program database that the participant has engaged the program exit point for updating the database data after use by the participant of the participant smart card for an exit verification.

2. The method of claim 1, wherein the pre-registration individual information comprises a member selected from the group consisting of:

a first biometric data of the participant, a participant'"'"'s personal identification number code, a participant'"'"'s first electronic signature, a participant'"'"'s first biometric signature, a participant'"'"'s digital photograph, a participant'"'"'s first biometric digital image, a participant'"'"'s first electro-biometric signature, a first personal data of the participant, other individual information representing the participant, and combinations thereof.

3. The method of claim 1, wherein individual information representing the participant comprises a member selected from the group consisting of:

a. a participant'"'"'s name;

b. a participant'"'"'s address;

c. a participant'"'"'s phone number;

d. a participant'"'"'s pin number;

e. a government issued number;

f. a government security clearance code;

g. a government issued status;

h. a military status;

i. a citizenship information;

a passport number;

k. a racial background;

l. a country of origin;

m. a voluntary emergency contact person'"'"'s name;

n. voluntary health information;

o. a participant'"'"'s health insurance information;

p. a participant'"'"'s social security number;

q. an emergency contact medical physician;

r. a medical provider name;

s. a participant'"'"'s date of birth;

t. a participant'"'"'s place of birth;

u. a participant'"'"'s weight;

v. a participant'"'"'s height;

w. a participant'"'"'s hair color;

x. a participant'"'"'s occupation;

y. a participant'"'"'s account information; and

z. combinations thereof.

4. The method of claim 1, wherein the identity authentication at the program access point comprises:

a. reading the smart card data using a device in communication with the program access point and the program database;

b. obtaining individual information including a second biometric data of the participant with the participant smart card at the program access point; and

c. comparing the smart card data to the individual information including the second biometric data of the participant to verify that the smart card data is identical to the individual information including the second biometric data of the participant for the identity authentication.

5. The method of claim 4, further comprising the step of obtaining additional individual information on the participant at the program access point for verifying the identity authentication by a member selected from the group consisting of:

requesting and obtaining additional biometric data of the participant, requesting and obtaining additional individual information representing the participant, requesting and obtaining documentation on the participant, and combinations thereof.

6. The method of claim 1, further comprising the step of determining the smart card data is not identical to the individual information including the second biometric data of the participant for denying the identity authentication of the participant at the program access point.

7. The method of claim 1, wherein the database data comprises a member selected from the group consisting of:

a first biometric data of the participant, a participant'"'"'s personal identification number code, a participant'"'"'s electronic signature, a participant'"'"'s biometric signature, a participant'"'"'s digital photograph, a participant'"'"'s biometric digital image, a participant'"'"'s electro-biometric signature, a personal data of the participant, an assigned risk factor for the participant, public program information for the participant, private program information for the participant, a risk factor assigned to a public program for the participant a risk factor assigned to a private program for the participant, a second biometric data of the participant, other individual information representing the participant, and combinations thereof.

8. The method of claim 1, further comprising the step of assigning risk factors for verifying eligibility, wherein the steps comprise:

a. assigning each determined risk factor for the participant to at least one program stored on the participant smart card, wherein each assigned risk factor for the participant is stored on the participant smart card; and

b. linking each assigned risk factor stored on the participant smart card to a corresponding at least one program assigned to the participant and stored in the program database, wherein the corresponding at least one program is assigned to at least one program risk factor for verifying eligibility.

9. The method of claim 8, further comprising the step of determining the risk factor for the participant by a member selected from the group consisting of:

verifying personal data obtained on the participant, verifying biometric data obtained on the participant, verifying documentation requested on the participant, obtaining answers to a plurality of questions from the participant, verifying other individual information representing the participant, and combinations thereof.

10. The method of claim 1, wherein the eligibility verification or denial of the participant to use at least one program comprises the steps of:

a. granting access to the participant to use at least one program based on a determination that the smart card data is identical to the database data for the participant and the assigned risk factor stored on the participant smart card is within an available scope of at least one program risk factor for the corresponding at least one program for verifying eligibility;

or

b. denying access to the participant to use at least one program based on a determination comprising;

i. the smart card data is not identical to the database data for the participant;

ii. the requested eligibility verification is for at least one program not assigned to the participant;

iii. the assigned risk factor stored on the participant smart card is not within the available scope of at least one program risk factor for the corresponding at least one program stored in the program database; and

iv. combinations thereof.

11. The method of claim 1, further comprising the step of sending additional transmissions to and from at least one secondary server system to receive additional individual information including additional biometric data on the participant for the eligibility verification.

12. The method of claim 1, further comprising the step of storing individual information including biometric data on the participant smart card, wherein the participant smart card comprises a member selected from the group consisting of:

a computer chip, a magnetic strip, a barcode, a two-dimensional data storage, a three-dimensional data storage, other data storage, and combinations thereof.

13. The method of claim 1, wherein the program access point provides scanning, detection, reading, or combinations thereof, at a moment in time when the participant smart card is presented for the identity authentication of the participant.

14. The method of claim 1, wherein the step of authenticating identity of the participant with the participant smart card comprises using a device selected from the group consisting of:

a fingerprint reader, a numerical code reader, a voice pattern recognition reader, a retinal scanner, an iris scanner, a telemetry card reader, a barcode reader, a Deoxyribonucleic Acid (DNA) reader, a palm reader, a facial recognition reader, a vein reader, a laser reader, a biometric reader, a radio-frequency reader, an electromagnetic reader, other contactless readers, a laser biometric scanner, other biometric scanners, a digital camera, a digital video camera, a laser detector, a wireless detector, other detectors, other readers, a processor, a server system, and combinations thereof.

15. The method of claim 1, wherein the method for fraud management by authenticating identity of the participant further comprises a member selected from the group consisting of:

scanning and transmitting a participant'"'"'s biometric data stored on the participant smart card, scanning and transmitting a cardless biometric data of the participant, scanning and transmitting a cardless individual information of the participant, scanning and transmitting a contactless biometric data of the participant, scanning and transmitting a contactless individual information of the participant, photographing a cardless biometric data of the participant, scanning and transmitting a biometric data of the participant within a close proximity of the program access point, and combinations thereof.

16. The method of claim 1, wherein a processor at the program access point comprises the processor with a memory and a graphical user interface, wherein the memory comprises computer instructions to instruct the processor to connect to a program database network to form a member selected from the group consisting of:

an internet query, an e-mail query, a transmission of individual information representing the participant, a transmission of biometric data of the participant, a transmission of program information, a comparative information transfer, a transmission of personal data, other system queries, and combinations thereof.

17. The method of claim 1, wherein the method facilitates the transfer of information between the program database and the participant with the participant smart card on-line and in real-time using a network comprising a member selected from the group consisting of:

a cable network, a wired network, a wireless network, a fiber optic network, a satellite network, a cellular network, a radio proximity network, a laser-operated network, and combinations thereof.

18. The method of claim 1, wherein the program access point provides access to programs comprising a member selected from the group consisting of:

a private healthcare program, a government healthcare program, a public healthcare program, a public healthcare prompt payment program, a private healthcare prompt payment program, a government healthcare prompt payment program, a healthcare product program, a medical services program, an insurance benefits program, a state human services program, a federal human services program, a city human services program, a county human services program, an authorized educational program, a controlled institutional services program, an authorized funding provider program, a private membership program, a controlled membership program, a controlled border access program, a secured access benefits programs, a secured access services program, a secured access public program, a secured access private program, a secured access program for a controlled entity, a veterinarian services program, a controlled federal safety regulation services program, a controlled state safety regulation services program, and combinations thereof.

19. The method of claim 1, wherein the program database comprises a member selected from the group consisting of:

a United States (U.S.) Central Intelligence Agency (CIA) database, a county agency database, a state agency database, a federal agency database, an Immigration and Naturalization database, a U.S. Border Patrol database, a U.S. police database, an Interpol database, a private business database, a state institution database, a state driver'"'"'s license database, an Internal Revenue Service (IRS) database, an educational institution database, a voter'"'"'s registration bureau database, a professional licensure database, a state human service agency database, a federal human service agency database, a city human service agency database, a county human service agency database, a drug enforcement agency database, a social security agency database, a healthcare provider database, a hospital database, a clinic database, an insurance provider database, a service provider database, an employment agency database, an authorizing provider database, a banking database, a membership database, a publicly-owned database, a government-owned database, a privately-owned database, and combinations thereof.

20. The method of claim 1, wherein the participant comprises a member selected from the group consisting of:

a person, a family, a company of individuals, a group of individuals, a corporation of individuals, members of an institution, individuals of a business, individuals of an organization, members of an agency, members of an association, an animal, a group of animals, and combinations thereof.

21. The method of claim 1, further comprising the step of registering a participant at the program access point by obtaining registration individual information including a first biometric of the participant to form a secured registered account and assigning a temporary participant smart card to the participant for accessing at least one program when the participant at the program access point is not pre-registered.

22. A cardless method for pre-registering a participant in a program database using biometric data of the participant for a verification process to facilitate fraud management, security management, and privacy protection, wherein the steps of the cardless method comprise:

a. pre-registering individual information including a first biometric data representing the participant in the program database as database data and forming a secured registered account for the participant;

b. assigning at least one program to the participant with the secured registered account, wherein each assigned program is stored in the secured registered account of the program database for use by the participant;

c. obtaining individual information on the participant for determining at least one risk factor;

d. assigning each determined risk factor to at least one assigned program for storing in the program database as an assigned program risk factor;

e. verifying that the participant at a program access point matches the database data, wherein the steps for verifying comprise;

i. obtaining individual information including a second biometric data of the participant at the program access point using a biometric device in communication with a processor at the program access point and the program database;

ii. transmitting in a first transmission the individual information including the second biometric data of the participant from the program access point to the program database; and

iii. comparing the transmitted individual information including the second biometric data of the participant to the database data to verify that the transmitted individual information including second biometric data of the participant is identical to the database data for the identity authentication of the participant; and

f. transmitting in a second transmission from the program access point to the program database the individual information including the second biometric of the participant for requesting access to at least one program stored in the program database;

g. receiving eligibility verification or denial of the participant in a third transmission from the program database to the program access point for use of at least one assigned program, thereby preventing fraud and enhancing security management and privacy protection; and

h. updating the database data stored in the program database for the participant with the secured registered account by transmitting in a fourth transmission from a program exit point to the program database that the participant has engaged the program exit point for updating the database data after use by the participant of at least one assigned program for exit verification and program completion.

23. The cardless method of claim 22, wherein the cardless method for fraud management by authenticating identity of the participant further comprises a member selected from the group consisting of:

scanning and transmitting a participant'"'"'s biometric data, scanning and transmitting a cardless individual information of the participant, scanning and transmitting a contactless biometric data of the participant, scanning and transmitting a contactless individual information of the participant, photographing a cardless biometric data of the participant, scanning and transmitting a biometric data of the participant within a close proximity of the access point, and combinations thereof.

24. The cardless method of claim 22, wherein the database data comprises a member selected from the group consisting of:

pre-registration individual information on the participant, a first biometric data of the participant, a participant identification number code, an electronic signature of the participant, a biometric signature of the participant, a participant'"'"'s digital photograph, a participant'"'"'s biometric digital image, a participant'"'"'s electro-biometric signature, a personal data of the participant, risk factors for the participant, public program information for the participant, private program information for the participant, assigned risk factors for the public programs, assigned risk factors for the private programs, a second biometric data of the participant, other individual information representing the participant, and combinations thereof.

25. The cardless method of claim 22, further comprising the step of determining the individual information including the second biometric data of the participant is not identical to the database data for denying the identity authentication of the participant at the program access point.

26. The cardless method of claim 22, further comprising the step of obtaining additional individual information on the participant at the program access point for verifying eligibility by requesting additional biometric data of the participant, requesting additional individual information on the participant, requesting documentation on the participant, or combinations thereof.

27. The cardless method of claim 22, wherein the biometric device at the program access point or program exit point comprises a member selected from the group consisting of:

a fingerprint reader, a numerical code reader, a voice pattern recognition reader, a retinal scanner, an iris scanner, a telemetry card reader, a barcode reader, a Deoxyribonucleic Acid (DNA) reader, a palm reader, a facial recognition reader, a vein reader, a laser reader, other biometric reader, a radio-frequency reader, an electromagnetic reader, other contactless biometric reader, a laser biometric scanner, other biometric scanner, a digital camera, a digital video camera, a laser biometric detector, a wireless detector, a processor, a server system, and combinations thereof.

28. The cardless method of claim 22, further comprising the step of eligibility verification or denial of the participant to use at least one program by:

a. granting access to the participant to use at least one program assigned to the participant based on a determination that the individual information including the second biometric data of the participant is identical to the database data and the access by the participant to at least one assigned program is within an available scope of the assigned program risk factors for verifying eligibility;

or

b. denying access to the participant to use at least one program based on a determination comprising;

i. the individual information including the second biometric data of the participant is not identical to the database data for the participant;

ii. the access requested by the participant comprises at least one program not assigned to the participant;

iii. the access requested by the participant comprises at least one program not within the available scope of the assigned program risk factors stored in the program database; and

iv. combinations thereof.

29. A contactless method for pre-registering a participant in a program database using biometric data of the participant for a verification process to facilitate fraud management, security management, and privacy protection, wherein the steps of the contactless method comprise:

a. pre-registering individual information including a first biometric data representing the participant in the program database as database data and forming a secured registered account for the participant;

b. assigning at least one program to the participant with the secured registered account, wherein each assigned program is stored in the secured registered account of the program database for use by the participant;

c. verifying that the participant at a program access point matches the database data and the participant is eligible to access at least one assigned program, wherein the verifying of the participant'"'"'s identity authentication and eligibility verification comprise the steps of;

i. obtaining individual information including a second biometric data of the participant at the program access point using a biometric device in communication with the program access point and the program database;

ii. transmitting in a first transmission the individual information including a second biometric data of the participant from the program access point to the program database for requesting an identity authentication of the participant and eligibility verification to access and use at least one assigned program;

iii. comparing the transmitted individual information including a second biometric data of the participant to the database data to verify that the transmitted individual information including the second biometric data of the participant is identical to the database data for the identity authentication of the participant; and

iv. transmitting in a second transmission from the program database to the program access point the eligibility verification or denial of the participant for accessing and using at least one assigned program, thereby preventing fraud and enhancing security management and privacy protection; and

d. updating the database data by transmitting in a third transmission from a program exit point to the program database that the participant has engaged the program exit point for updating the database data after use by the participant of at least one assigned program for exit verification and program completion.

30. The method of claim 29, further comprising assigning a contactless participant smart card to the participant with the secured registered account, wherein the contactless participant smart card comprises a data storage for storing smart card data, wherein the smart card data comprises a copy of the pre-registration individual information including the first biometric data, at least one program assigned to the participant, at least one risk factor assigned to the participant, and combinations thereof.