System, Method, and Apparatus for Preventing Identity Fraud Associated With Payment and Identity Cards
First Claim
1. A transaction processing system comprising:
- a card sub-system comprising;
a biometric input sensor;
a data storage component;
a proxy account number generator;
a data transmitter;
a display unit; and
a server sub-system adapted to receive the proxy account number transmitted from the card sub-system after the biometric input sensor authenticates a user whereby the server sub-system determines an actual identification number based upon the proxy account number.
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Accused Products
Abstract
The system, method, and apparatus of the present invention, address the problem of identity theft associated with the use of payment cards such as credit and debit cards, as well as identity theft associated with the use of identity cards such as driver'"'"'s licenses and social security cards. An apparatus including a biometric input component that authenticates a system user is disclosed herein. Upon authentication, a proxy account number and a time varying security code are generated and displayed on the apparatus. The dynamically generated number and security code are then used to validate the user'"'"'s identity within the system. Furthermore, the system, method, and apparatus of the present invention can be used to consolidate into one instrument, several payment and identity instruments.
297 Citations
51 Claims
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1. A transaction processing system comprising:
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a card sub-system comprising;
a biometric input sensor;
a data storage component;
a proxy account number generator;
a data transmitter;
a display unit; and
a server sub-system adapted to receive the proxy account number transmitted from the card sub-system after the biometric input sensor authenticates a user whereby the server sub-system determines an actual identification number based upon the proxy account number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. An identification card device comprising:
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a biometric input sensor;
a data storage component;
a proxy account number generator;
a data transmitter; and
a display unit;
whereby the card receives a biometric sample from the biometric input sensor and compares the biometric sample with a previously received biometric sample stored in the data storage component, the card further displaying on the display unit a proxy account number generated by the proxy account number generator when the biometric sample corresponds to the previously received biometric sample stored in the data storage component and transmitting the proxy account number through the data transmitter. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34)
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35. A first machine readable medium having stored thereon a set of instructions, which when executed cause a system to perform a method comprising:
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a card sub-system comprising;
a biometric input sensor;
a data storage component;
a proxy account number generator;
a data transmitter;
a display unit; and
a second machine readable medium having stored thereon a set of instructions, which when executed cause a system to perform a method comprising a server sub-system adapted to receive the proxy account number transmitted from the card sub-system after the biometric input sensor authenticates a user whereby the server sub-system determines an actual identification number based upon the proxy account number. - View Dependent Claims (36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51)
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Specification