Apparatus and method for secured commercial transactions

• US 20080262973A1
• Filed: 04/20/2007
• Published: 10/23/2008
• Est. Priority Date: 04/20/2007
• Status: Active Grant

• Current Assignee: NP Johnson Family Limited Partnership
• Original Assignee: NP Johnson Family Limited Partnership
• Inventors: Johnson, Neldon P.
• Granted Patent: US 8,571,996 B2
• Time in Patent Office: Days
• US Class Current: 705/75
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• 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 9/3231 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 transaction security code database and a method and apparatus for generating the transaction security code database. The transaction security code database is comprised of multiple transaction security codes, each transaction security code constituting a transaction code generated based upon a transaction initiated by a user, which is appended to or linked to a security code which is based upon a biometric sensor code generated by a biometric sensor from a biometric presentation of a biometric feature of the user.

Claims

1. Method for generating a unique transaction security code for a commercial transaction, the commercial transaction providing for the generation of a transaction code, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of a user, the biometric sensor used being of a type which generates a unique biometric sensor code for the biometric presentation due to inherent uniqueness in the biometric presentation and a resolution of the biometric sensor;

b) determining a unique biometric security code from the biometric sensor code; and

c) appending or linking the biometric security code to the transaction code, thereby generating a unique transaction security code comprised of the transaction code and the biometric security code.

2. Method as recited in claim 1 wherein the biometric security code is the biometric sensor code.

3. Method as recited in claim 1 further comprising storing the transaction security code in a transaction security code data base.

4. Method for generating a unique transaction security code for a commercial transaction of a user, the commercial transaction providing for the generation of a transaction code, the method comprising:

a) generating a unique biometric security code from a biometric presentation of a biometric feature of a user to a biometric sensor, the biometric sensor generating a unique biometric sensor code for the presentation of the biometric feature due to the inherent uniqueness of the biometric presentation and a resolution of the biometric sensor, and the unique biometric security code being determined based upon the unique biometric sensor code;

b) appending or linking the biometric security code to the transaction code, thereby generating a unique transaction security code comprised of the transaction code and the biometric security code.

5. Method as recited in claim 4 wherein the biometric security code is the biometric sensor code.

6. Method as recited in claim 4 further comprising storing the transaction security code in a transaction security code data base.

7. Database of a plurality of unique transaction security codes, each transaction security code comprising a transaction code and a unique biometric security code which is appended to or linked to the transaction code, the transaction code being generated from a commercial transaction of a user and the unique biometric security code being determined from a unique biometric sensor code generated from a biometric presentation of a biometric feature of the user to a biometric sensor, the uniqueness of the biometric sensor code resulting from an inherent uniqueness in the biometric presentation and a resolution of the biometric sensor.

8. The database as recited in claim 7 wherein the biometric security code is the biometric sensor code.

9. The database as recited in claim 7 wherein the resolution of the biometric sensor is sufficient to differentiate the inherent uniqueness of the biometric presentation as contrasted to a previous or subsequent biometric presentation of the biometric feature of the user.

10. Commercial transaction security device for generating a unique transaction security code for a commercial transaction, the commercial transaction providing for the generation of a transaction code, the device comprising:

a) biometric sensor of a type and resolution which generates a unique biometric sensor code for a biometric presentation of a biometric feature of a user due to inherent uniqueness in the biometric presentation and the resolution of the biometric sensor;

b) sensor code processor for determining a unique biometric security code from the biometric sensor code;

c) security code processor for appending or linking the biometric security code to the transaction code, thereby generating a unique transaction security code comprised of the transaction code and the biometric security code;

d) transaction security code memory for the transaction security code; and

e) communications links between the biometric sensor and the sensor code processor, between the sensor code processor and the security code processor, and between the security code processor and the transaction security code memory.

11. Device as recited in claim 10 wherein the biometric security code is the biometric sensor code.

12. Commercial transaction security device for generating a unique transaction security code for a commercial transaction, the commercial transaction providing for the generation of a transaction code, the device comprising:

a) biometric sensor of a type and resolution which generates a unique biometric security code for a biometric presentation of a biometric feature of a user due to inherent uniqueness in the biometric presentation and the resolution of the biometric sensor;

b) security code processor for appending or linking the biometric security code to the transaction code, thereby generating a unique transaction security code comprised of the transaction code and the biometric security code;

c) transaction security code memory for the transaction security code; and

d) communications links between the biometric sensor and the sensor code processor, between the sensor code processor and the security code processor, and between the security code processor and the transaction security code memory.

13. Method for completing a secured commercial transaction, the commercial transaction providing for the generation of a transaction code, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of a user, the biometric presentation being made by the user for a desired transaction, the biometric presentation being inherently statistically unique thereby resulting in the generation of a statistically unique security code for the biometric presentation;

b) comparing the security code with stored security codes stored previously in a transaction data base to determine if the security code is within a user template of any of the stored security codes, thereby determining if the user has enrolled previously for the data base, and determining if the security code is unique from the stored security codes;

c) if the user has enrolled previously and the security code is unique, accepting the transaction, but if the user has not enrolled previously or the security code is not unique, rejecting the transaction;

d) if the transaction is accepted, appending or linking the unique security code to the transaction code thereby generating a unique transaction security code; and

e) if the transaction is accepted, storing the transaction security code in the transaction data base.

14. Method as recited in claim 13 wherein the biometric sensor generates a statistically unique biometric sensor code from the biometric presentation of the biometric feature of the user, and the statistically unique biometric security code is determined based upon the biometric sensor code.

15. Method for completing a secured commercial transaction, the commercial transaction providing for the generation of a transaction code, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of a user, the biometric presentation being made by the user for the transaction, the biometric presentation being statistically unique thereby resulting in the generation of a statistically unique security code for the biometric presentation;

b) appending or linking the unique security code to the transaction code thereby generating a unique transaction security code;

c) comparing the transaction security code or the security code component of the transaction security code with stored codes stored previously in a transaction data base to determine if the transaction security code or the security code is within a user template of any of the stored codes, thereby determining if the user has enrolled previously and determining if the security code is unique from the stored security codes;

d) if the user has enrolled previously and the security code is unique, accepting the transaction, but if the user has not enrolled previously or the security code is not unique, rejecting the transaction; and

e) if the transaction is accepted, storing the transaction security code in the transaction data base.

16. Method as recited in claim 15 wherein the biometric sensor generates a statistically unique biometric sensor code from the biometric presentation of the biometric feature of the user, and the statistically unique biometric security code is determined based upon the biometric sensor code.

17. Method for enrolling a plurality of users for a transaction data base, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of each user, the biometric presentation being made by the user for a desired enrollment transaction by the user, the biometric presentation being statistically unique thereby resulting in the generation of a statistically unique security code for the biometric presentation;

b) comparing the security code with stored security codes stored previously in a transaction data base to determine if the security code is within a user template of any of the stored security codes, thereby determining if the user has enrolled previously;

c) if the user has not enrolled previously, accepting the enrollment of the user and generating an enrollment code based upon identity information provided by the user;

d) appending or linking the unique security code to the enrollment code thereby generating a unique enrollment security code; and

e) storing the enrollment security code in the transaction data base.

18. Method as recited in claim 17 wherein the biometric sensor generates a statistically unique biometric sensor code from the biometric presentation of the biometric feature of the user, and the statistically unique security code is determined based upon the biometric sensor code.

19. Method for completing a secured commercial transaction, the commercial transaction providing for the generation of a transaction code, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of each user, the biometric presentation being made by the user for the transaction, the biometric presentation being inherently statistically unique thereby resulting in a unique security code for the biometric presentation;

b) comparing the security code with stored security codes stored previously in an enrollment data base to determine if the security code is within a user template of any of the stored security codes, thereby determining if the user is enrolled;

c) if the user is enrolled, authorizing completion of the transaction;

d) appending or linking the unique security code to the transaction code thereby generating a unique transaction security code; and

e) storing the transaction security code in a transaction data base.

20. Method as recited in claim 19 further comprising comparing the security code with stored security codes stored previously in the enrollment data base to verify that the security code is unique, and, if the security code is verified to be unique, authorizing completion of the transaction.

21. Method as recited in claim 19 further comprising comparing the security code with stored security codes stored previously in the transaction data base to verify that the security code is unique, and, if the security code is verified to be unique, authorizing completion of the transaction.

22. Method for completing a secured commercial transaction, the commercial transaction providing for the generation of a transaction code, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of each user, the biometric presentation being made by the user for the transaction, the biometric presentation being inherently statistically unique thereby resulting in a unique security code for the biometric presentation;

b) comparing the security code with stored security codes stored previously in a transaction data base to determine if the security code is within a user template of any of the stored security codes, thereby determining if the user is enrolled, and to verify that the security code is unique;

c) if the user is enrolled and the security code is verified to be unique, authorizing completion of the transaction;

d) appending or linking the unique security code to the transaction code thereby generating a unique transaction security code; and

e) storing the transaction security code in the transaction data base.

23. Method for completing secured commercial transactions for a plurality of users, each commercial transaction providing for the generation of a transaction code, the method comprising:

a) sensing, with a biometric sensor, a biometric presentation of a biometric feature of each user, the biometric presentation being made by the user for the transaction, the biometric presentation being inherently statistically unique thereby resulting in a unique security code for the biometric presentation;

b) comparing the security code with stored security codes stored previously in a transaction data base to determine if the security code is within a user template of any of the stored security codes, thereby determining if the user is enrolled, and to verify that the security code is unique;

c) if the user is enrolled and the security code is verified to be unique, authorizing completion of the transaction;

d) appending or linking the unique security code to the transaction code thereby generating a unique transaction security code; and

e) storing the transaction security code in the transaction data base.

24. Method as recited in claim 23 wherein the biometric sensor generates a statistically unique biometric sensor code from the biometric presentation of the biometric feature of the voter, and the statistically unique security code is determined based upon the biometric sensor code.

25. Transaction system for completing commercial transactions comprising:

a) biometric sensor having a resolution capability for generation of a unique sensor code for each user for an inherently unique presentation of a biometric feature by the voter;

b) electronic transaction terminal having a capability for generating a transaction code for the user based upon the transaction desired by the user;

c) data base of unique transaction security codes, each transaction security code comprised of a unique security code appended to or linked to a transaction code, the security code being determined based upon the sensor code; and

d) biometric identification system having a capability for determining if the security code component of the transaction security code is within a user template of the security code component of any previously stored ballot security code.

26. Transaction system for completing commercial transactions comprising:

a) data base of unique transaction security codes, each transaction security code comprised of a unique security code appended to or linked to a transaction code;

b) biometric sensor having a resolution providing for generation of a unique sensor code for an inherently unique presentation of a biometric feature by a user;

c) biometric identification system for generating a unique security code for each unique sensor code and determining if the unique security code is within a user template of the security code component of any transaction security code of the data base; and

d) electronic transaction terminal for generating a transaction code based upon the transaction desired by the user and appending or linking the transaction code to the unique security code, thereby generating a unique transaction security code.

27. Data base of a plurality of unique transaction security codes, each transaction security code comprising a unique security code appended to or linked to a transaction code, the security code being based upon a biometric sensor code generated by a biometric sensor from a biometric presentation of a biometric feature of a user, and the transaction code being based upon one or more transactions for the user.

28. Data base of a plurality of unique transaction security codes, each transaction security code comprising a unique security code appended to or linked to a transaction code, the security code being based upon a biometric sensor code generated by a biometric sensor from a biometric presentation of a biometric feature of a user, and the transaction code being based upon a transaction selected by the user.

29. Data base of a plurality of unique user enrollment security codes, each user enrollment security code comprising a unique security code appended to or linked to a user enrollment code, the security code being based upon a biometric sensor code generated by a biometric sensor from a biometric presentation of a biometric feature of a user, and the user enrollment code being based upon one or more user enrollment transactions for the user.