METHOD FOR USING A SENSOR TO REGISTER A BIOMETRIC FOR USE WITH A TRANSPONDER-READER SYSTEM RELATED APPLICATIONS

• US 20080010161A1
• Filed: 09/20/2007
• Published: 01/10/2008
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Gray, William, Fields, Seth, Beenau, Blayn, Larkin, Carl, Saunders, Peter, Montgomery, Joshua, Bonalle, David
• Granted Patent: US 7,690,577 B2
• Time in Patent Office: Days
• US Class Current: 705/018
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06V 40/10 : Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
• CPC Class Codes: G06V 40/14 : Vascular patterns
• CPC Class Codes: G06V 40/40 : Spoof detection, e.g. liveness detection
• CPC Class Codes: G07C 9/257 : electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 : using a biometric sensor integrated in the pass
• CPC Class Codes: G07C 9/28 : the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 : the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/025 : by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/14 : Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• CPC Class Codes: H04L 2209/56 : Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 : Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3231 : Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Claims

1. A method for registering biometric information for use in a transponder-reader system, said method comprising:

receiving request to enter a biometric sample;

entering a proffered biometric at a biometric scan sensor to create a proffered biometric sample which is verified using a verification device and stored on a database such that said system utilizes said proffered biometric sample to authorize a transponder transaction.

2. The method of claim 1, wherein said biometric scan sensor communicates with said system via at least one of a transponder, a reader, and a network.

3. The method of claim 1, further comprising storing at least one data packet in said database, wherein said data packet comprises at least one of:

proffered and registered biometric scan samples, proffered and registered user information, terrorist information, and criminal information.

4. The method of claim 1, further comprising storing biometric scan and user information in said database, said database contained in at least one of the transponder, transponder reader, sensor, remote server, merchant server and transponder-reader system.

5. The method of claim 1, wherein said verification device is at least one of a third-party security vendor device and protocol/sequence controller.

8. The method of claim 1, further comprising comparing said proffered biometric scan sample with a registered biometric scan sample, wherein said registered biometric scan sample is associated with at least one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

9. The method of claim 1, further comprising comparing said proffered biometric scan sample with a registered biometric scan sample, wherein different registered biometric scan samples are associated with a different one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

10. The method of claim 1, further comprising comparing said proffered biometric scan sample with a registered biometric scan sample, wherein said registered biometric scan sample is primarily associated with first user information, wherein said first information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, and wherein said registered biometric scan sample is secondarily associated with second user information, wherein said second information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, where second user information is different than first user information.

11. The method of claim 1, further comprising beginning mutual authentication upon verification of said proffered biometric scan sample.

12. The method of claim 1, further comprising deactivating upon rejection of said proffered biometric scan sample.

13. The method of claim 1, further comprising facilitating at least one of authorized access, activation of a second device, a financial transaction, and a non-financial transaction.

14. The method of claim 1, wherein said biometric scan sensor further comprises a reader which is configured to provide a first radio frequency (RF) interrogation signal for powering a transponder system, to receive a transponder system RF signal, and to communicate transponder system account data related to said transponder system RF signal to a merchant system, said reader including, a first interrogator for providing said first RF interrogation signal;

said transponder system authentication circuit comprising a reader authentication circuit in communication with said first interrogator for authenticating said transponder system RF signal;

an RFID reader database for storing RFID reader data, said reader database in communication with said reader authentication circuit;

an RFID reader protocol/sequence controller in communication with at least one of said first interrogator, said reader authentication circuit, and said reader database, said reader protocol/sequence controller configured to facilitate control of an order of operation of said first interrogator, said reader authentication circuit, and said reader database; and

an RFID reader communications interface configured to communicate with said merchant system, said reader communications interface configured to provide said transponder system account data, wherein said transponder system is configured to receive said first RF interrogation signal, to authenticate said first RF interrogation signal, and to transmit said transponder system account data, said transponder system further comprising;

a first transponder responsive to said first RF interrogation signal;

a transponder system authentication circuit in communication with said first transponder, said transponder system authentication circuit configured to authenticate said first RF interrogation signal;

a transponder system database for storing said transponder system account data, said transponder system database in communication with said transponder system authentication circuit; and

a transponder system protocol/sequence controller in communication with at least one of said first transponder, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said transponder system authentication circuit, and said transponder system database, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal having an RFID reader authentication code, said transponder system authentication circuit configured to encrypt said reader authentication code to provide an encrypted RFID reader authentication code, said transponder system authentication circuit configured to provide said encrypted RFID reader authentication code to said first transponder for providing to said reader, wherein said reader is configured to receive said encrypted RFID reader authentication code, and wherein said reader protocol/sequence controller is configured to activate said reader authentication circuit in response to said encrypted RFID reader authentication code, wherein said reader database is configured to provide a transponder system decryption security key to said reader authentication circuit in response to said encrypted RFID reader authentication code, said transponder system decryption security key for use in decrypting said encrypted RFID reader authentication code to form a decrypted RFID reader authentication code, said transponder system decryption security key provided to said reader based on an unique transponder identification code, wherein said reader authentication circuit is configured to compare said decrypted RFID reader authentication code and said reader authentication code to determine whether a match exists, and wherein said reader protocol/sequence controller is configured to activate said reader communications interface where said reader authentication circuit matches said decrypted RFID reader authentication code and said reader authentication code.

15. The method of claim 1, further comprising determining whether a user requested transaction exceeds a preloaded value defined by a preloaded value data file associated with a transponder;

determine whether said transaction exceeds a combination of said preloaded value and a reload value defined by a reload protocol data file associated with said transponder, wherein said preloaded value data file and said reload protocol data file define predetermined values for use in satisfying a user transaction request;

notifying a user to proffer a biometric sample to authorize use of said combination of said preloaded value and said reload value to complete said transaction;

detecting a proffered biometric sample at a sensor communicating with said system;

verifying said proffered biometric sample; and

authorizing said transaction to proceed by applying said preloaded value from a first funding source associated with said transponder and applying a portion of said reload value from one of said first funding source and a second funding source according to said reload protocol data file.