Secure Universal Transaction System
First Claim
1. A secure universal transaction system, comprising:
- an operations and resource component, includinga first biometric security component,a second security component,a communication component for enabling communication between the operations and resource component and at least one network,a processor, anda data storage component;
a communication device for enabling user interaction with the operations and resource component, the communication device includinga token interface,a biometric reader for enabling a user to input a biometric reading,a communication component for enabling communication between the communication device and the operations and resource component,a user input component for inputting user commands and information into the communication device,an output component for providing information to the user,a processor, anda data storage component; and
a secure token adapted to interface with the token interface of the communication device, includinga token security component for generating a security code, anda data storage component for storing user data,wherein user access to the operations and resource component is permitted only when the secure token is interfaced with the token interface of the communication device, the biometric reading entered by the user matches a biometric reading associated with the secure token in the biometric security component of the operations and resource component, and the security code generated by the token security component matches a corresponding security code associated with the secure token in the second security component of the operations and resource component.
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Accused Products
Abstract
A secure universal transaction system includes an operations and resource component, at least one communication device for enabling user interaction with the operations and resource component, and a secure token associated with each user of the system. The operations and resource component includes a first biometric security component, a second security component, and a communication component for enabling secure communication between the operations and resource component and at least one network. Each communication device includes a wired or wireless token interface, a biometric reader for enabling a user to input a biometric reading, a wired or wireless communication component for enabling communication between the communication device and the operations and resource component, a user input device, and an output device. Each secure token includes a token security component for generating a security code and a data storage component for storing user data. User access to the operations and resource component is permitted only when the secure token is interfaced with the token interface of the communication device, the biometric reading entered by the user matches a biometric reading associated with the secure token in the biometric security component of the operations and resource component, and the security code generated by the token security component matches a corresponding security code associated with the secure token in the second security component of the operations and resource component.
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Citations
86 Claims
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1. A secure universal transaction system, comprising:
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an operations and resource component, including a first biometric security component, a second security component, a communication component for enabling communication between the operations and resource component and at least one network, a processor, and a data storage component; a communication device for enabling user interaction with the operations and resource component, the communication device including a token interface, a biometric reader for enabling a user to input a biometric reading, a communication component for enabling communication between the communication device and the operations and resource component, a user input component for inputting user commands and information into the communication device, an output component for providing information to the user, a processor, and a data storage component; and a secure token adapted to interface with the token interface of the communication device, including a token security component for generating a security code, and a data storage component for storing user data, wherein user access to the operations and resource component is permitted only when the secure token is interfaced with the token interface of the communication device, the biometric reading entered by the user matches a biometric reading associated with the secure token in the biometric security component of the operations and resource component, and the security code generated by the token security component matches a corresponding security code associated with the secure token in the second security component of the operations and resource component. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A communication device for enabling a user to access a secure universal transaction system, comprising:
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a token interface, a biometric reader for enabling the user to input a biometric reading, a communication component for enabling communication between the communication device and an operations and resource component, a user input component to enable the user to input commands and information into the communication device, an output component for providing information to the user, a processor, and a data storage component, wherein the token interface is adapted to interface with a secure token provided by the user, and wherein user access to the operations and resource component via the communication device is permitted only when the secure token is interfaced with the token interface of the communication device, the biometric reading entered by the user matches a biometric reading associated with the secure token in the operations and resource component, and a security code generated by the secure token matches a corresponding security code associated with the secure token in the operations and resource component. - View Dependent Claims (43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71)
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72. A secure token for use in a secure universal transaction system having an operations and resource component accessed by at least one communication device, the secure token comprising:
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a token security component for generating a security code, and a data storage component for storing user data, wherein user access to the operations and resource component is permitted only when the secure token is interfaced with a token interface of the communication device, a biometric reading entered by the user matches a biometric reading associated with the secure token in a biometric security component of the operations and resource component, and a security code generated by the token security component matches a corresponding security code associated with the secure token in the operations and resource component. - View Dependent Claims (73, 74, 75, 76, 77)
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78. A token comprising:
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a token security component including a security code, a data storage component for storing user data, and a display for displaying a current user balance or past transaction data.
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79. A method for accessing a communication system having an operations and resource component accessed by at least one communication device, the method comprising the steps of:
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interfacing a secure token with a communication device; entering a biometric reading into the communication device; transmitting the entered biometric reading from the communication device to the operations and resource component; comparing the entered biometric reading with a biometric reading associated with the secure token in the operations and resource component; when a match is detected between the entered biometric reading and the biometric reading in the operations and resource component, transmitting an access code from the secure token to the operations and resource component via the communication device; and permitting user access to the communication system via the communication device when the access code from the secure token matches a corresponding security code associated with the secure token in the operations and resource component.
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80. A secure universal transaction system for enabling entry, storage, editing, transmission of and access to user medical data, comprising:
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an operations and resource component, including a first biometric security component, a second security component, a communication component for enabling communication of medical data between the operations and resource component and at least one network, a processor, and a medical data storage component for storing medical data associated with one or more users; a communication device for enabling a user to access and edit stored medical data associated with the user and to enter new user medical data via interaction with the operations and resource component, the communication device including a token interface, a biometric reader for enabling a user to input a biometric reading, a communication component for enabling communication of the medical data associated with the user between the communication device and the operations and resource component, a user input component for inputting user commands and information into the communication device and for enabling access to and editing of the stored medical data associated with the user and entry of the new user medical data associated with the user, wherein any new or edited user medical data input by the user is transmitted to the operations and resource component by the communication component of the communication device, an output component for displaying the user medical data accessed, edited or entered by the user, a processor, and a data storage component; and a secure token adapted to interface with the token interface of the communication device, including a token security component for generating a security code, and a data storage component for storing user identification data, wherein user access to the medical data associated with the user that is stored in the operations and resource component is permitted only when the secure token is interfaced with the token interface of the communication device, the biometric reading entered by the user matches a biometric reading associated with the secure token in the biometric security component of the operations and resource component, and the security code generated by the token security component matches a corresponding security code associated with the secure token in the second security component of the operations and resource component. - View Dependent Claims (81, 82)
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83. A secure universal transaction system for enabling participation in gambling activities, including lotteries, comprising:
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an operations and resource component, including a first biometric security component, a second security component, a communication component for enabling user access to and participation in one or more gambling activities, a processor, and a data storage component; a first communication device for enabling a user to participate in the one or more gambling activities via the operations and resource component, the first communication device including a token interface, a biometric reader for enabling a user to input a biometric reading, a communication component for enabling communication between the first communication device and the operations and resource component, a user input component for inputting user commands and information into the first communication device, including gambling betting commands and lottery selections, an output component for providing information to the user, including data relating to the gambling activities, a processor, and a data storage component; and a secure token adapted to interface with the token interface of the first communication device, including a token security component for generating a security code, and a data storage component for storing user data, wherein user access to the gambling activities via the operations and resource component is permitted only when the secure token is interfaced with the token interface of the first communication device, the biometric reading entered by the user matches a biometric reading associated with the secure token in the biometric security component of the operations and resource component, and the security code generated by the token security component matches a corresponding security code associated with the secure token in the second security component of the operations and resource component. - View Dependent Claims (84, 85, 86)
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Specification