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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
First Claim
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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.

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