SECURE CARD WITH STORED BIOMETRIC DATA AND METHOD FOR USING THE SECURE CARD

• US 20080281740A1
• Filed: 05/10/2007
• Published: 11/13/2008
• Est. Priority Date: 05/08/2007
• Status: Active Grant

• Current Assignee: Ming-Yuan Wu
• Original Assignee: Ming-Yuan Wu
• Inventors: WU, Ming-Yuan
• Granted Patent: US 8,050,992 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/018 Certifying business or products
• CPC Class Codes: G06Q 30/0185 Product, service or business identity fraud
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/122 Online card verification

Abstract

A secure card comprising biometric data of an individual for identifying or confirming authority of the individual is disclosed. Prior to issuing the secure card a cardholder'"'"'s biometric data is stored in the secure cards memory. When the secure card is used the cardholder inputs biometric data. This input biometric data is then compared to the biometric data stored in the card. If the input biometric data matches the stored biometric data the identity of the cardholder is confirmed. The secure card also comprises a transparent input area to separate the cardholder from an identity verification machine.

Claims

1. A secure card for confirming identity of a cardholder comprising:

a memory for storing biometric data, the biometric data uniquely identifying the cardholder.

2. The secure card for confirming identity of a cardholder of claim 1, further comprising a transparent input area for separating the cardholder from a verification machine.

3. The secure card for confirming identity of a cardholder of claim 1, further comprising a plurality of transparent input areas for separating the cardholder from a verification machine.

4. The secure card for confirming identity of a cardholder of claim 1, further comprising a magnetic strip for storing cardholder information.

5. The secure card for confirming identity of a cardholder of claim 1, further comprising a signature area for holding a cardholder signature.

6. The secure card for confirming identity of a cardholder of claim 1, the secure card comprising a credit card, identification card, a driver'"'"'s license, an entrance keycard, an employee badge, a passport, a medical insurance card, an automatic teller machine card, a bank card, a debit card, a transit card, a public transportation card, a national identification card, or a membership card.

7. The secure card for confirming identity of a cardholder of claim 1, the biometric data comprising fingerprint, iris or eye, handprint, facial, DNA data, or a combination of these.

8. The secure card for confirming identity of a cardholder of claim 1, the memory also storing cardholder information.

9. The secure card for confirming identity of a cardholder of claim 1, the cardholder information comprising account information, account number, personal identification number, employee number, security level, rank, financial institution identification, card number, card issuer identification, company name, or a combination of these.

10. A method for using a secure card to identify a cardholder comprising;

receiving biometric data input by the cardholder; and

comparing input biometric data with biometric data stored in the secure card to confirm identity of the cardholder.

11. The method for using a secure card to identify a cardholder of claim 10, further comprising storing the cardholder'"'"'s biometric data in the secure card before issuing the secure card to the cardholder.

12. The method for using a secure card to identify a cardholder of claim 10, the secure card comprising a credit card, identification card, a driver'"'"'s license, an entrance keycard, an employee badge, a passport, a medical insurance card, an automatic teller machine card, a bank card, a debit card, a transit card, a public transportation card, a national identification card, or a membership card.

13. The method for using a secure card to identify a cardholder of claim 10, the biometric data comprising fingerprint, iris or eye, handprint, facial, DNA data, or a combination of these.

14. The method for using a secure card to confirm identity of a cardholder of claim 10, further comprising sending account information to a financial institution to confirm account balance or credit line is sufficient to cover payment of a purchase after the identity of the cardholder is confirmed.

15. A method for using a secure card to confirm identity of a cardholder comprising:

storing biometric data of the cardholder in a secure card;

reading biometric data input by the cardholder; and

comparing input biometric data with stored biometric data to confirm the identity of the cardholder.

16. The method for using a secure card to confirm identity of a cardholder of claim 15, further comprising inserting the secure card into a verification machine prior to reading.

17. The method for using a secure card to confirm identity of a cardholder of claim 16, where the verification machine reads the biometric data and compares the input biometric data with the stored biometric data.

18. The method for using a secure card to identify a cardholder of claim 15, the secure card comprising a credit card, identification card, a driver'"'"'s license, an entrance keycard, an employee badge, a passport, a medical insurance card, an automatic teller machine card, a bank card, a debit card, a transit card, a public transportation card, a national identification card, or a membership card.

19. The method for using a secure card to identify a cardholder of claim 15, the biometric data comprising fingerprint, iris or eye, handprint, facial, DNA data, or a combination of these.

20. The method for using a secure card to confirm identity of a cardholder of claim 15, further comprising sending account information to a financial institution to confirm account balance or credit line is sufficient to cover payment of a purchase after the identity of the cardholder is confirmed.