Ultra Low-Power User Authentication Device for Financial Transactions

• US 20090159679A1
• Filed: 12/20/2007
• Published: 06/25/2009
• Est. Priority Date: 12/20/2007
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Blythe, Simon
• Application Number:
  US11/961,281
• Publication Number:
  US 20090159679A1
• Time in Patent Office: Days
• US Class Current: 235/449
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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 30/06 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: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K
• 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 7/1066 PIN data being compared to data on card
• CPC Class Codes: G07F 7/125 Offline card verification

Abstract

A low-power device is adapted to authenticate a user desiring to conduct a financial transaction includes an input device, a computing device, and a power source. The input device is adapted to input user information. The computing device is operatively coupled to the input device, adapted to compare the input user information to stored user information, and authenticate the user based on the comparison. The power source provides power to at least the input device. The power source is adapted to obtain power from thermal energy, light energy, and/or electromagnetic energy, which is derived from the user and/or an ambient environment. A method of authenticating a user desiring to conduct a financial transaction includes inputting input user information, comparing the input user information to stored user information, authenticating the user based on the comparison, and performing the inputting using power obtained from thermal energy, light energy, and/or electromagnetic energy.

Claims

1. A low-power device adapted to authenticate a user desiring to conduct a financial transaction comprising:

an input device adapted to input user information;

a computing device operatively coupled to the input device, the computing device being adapted to compare the input user information to stored user information, the computing device being adapted to authenticate the user based on the comparison; and

a power source capable of providing power to the input device, the power source being adapted to obtain power from at least one of thermal energy, light energy, and electromagnetic energy, the at least one of thermal energy, light energy, and electromagnetic energy being obtained from at least one of the user and an ambient environment.

2. A low-power device adapted to authenticate a user desiring to conduct a financial transaction defined by claim 1, wherein the power source is capable of capable of providing power to the computing device.

3. A low-power device adapted to authenticate a user desiring to conduct a financial transaction defined by claim 1, further comprising a secondary storage device operatively coupled to the computing device, the secondary storage device being capable of storing the stored user information, the power source providing power to the secondary storage device.

4. A low-power device adapted to authenticate a user desiring to conduct a financial transaction defined by claim 1, wherein the input user information comprises at least one of biometric information and a personal identification number (PIN).

5. A low-power device adapted to authenticate a user desiring to conduct a financial transaction defined by claim 1, wherein the low-power device is capable of being incorporated in at least one of a smart card and a radio frequency identification payment device.

6. A method of authenticating a user desiring to conduct a financial transaction comprising:

obtaining input user information using power obtained from at least one of thermal energy, light energy, and electromagnetic energy, the at least one of thermal energy, light energy and electromagnetic energy being obtained from at least one of the user and an ambient environment;

comparing the input user information to stored user information; and

authenticating the user based on the comparison.

7. A method of authenticating a user desiring to conduct a financial transaction defined by claim 6, wherein the input user information comprises at least one of biometric information and a personal identification number (PIN).

8. A method of authenticating a user desiring to conduct a financial transaction defined by claim 6, further comprising performing comparing, authenticating, and obtaining in at least one of a smart card and a radio frequency identification payment device.

9. A method of authenticating a user desiring to conduct a financial transaction defined by claim 6, further comprising performing at least one of the comparing and authenticating using power obtained from the at least one of thermal energy, light energy, and electromagnetic energy.

10. A computer-readable medium comprising instructions, wherein execution of the instructions by at least one computing device authenticates a user desiring to conduct a financial transaction by:

obtaining input user information using power obtained from at least one of thermal energy, light energy, and electromagnetic energy, the at least one of thermal energy, light energy and electromagnetic energy being obtained from at least one of the user and an ambient environment;

comparing the input user information to stored user information; and

authenticating the user based on the comparison.

11. A computer-readable medium comprising instructions defined by claim 10, wherein execution of the instructions by at least one computing device authenticates a user desiring to conduct a financial transaction by obtaining the input user information comprising at least one of biometric information and a personal identification number (PIN).

12. A computer-readable medium comprising instructions defined by claim 10, wherein execution of the instructions by at least one computing device authenticates a user desiring to conduct a financial transaction by performing the comparing, authenticating, and obtaining in at least one of a smart card and a radio frequency identification payment device.

13. A computer-readable medium comprising instructions defined by claim 10, wherein execution of the instructions by at least one computing device authenticates a user desiring to conduct a financial transaction by performing at least one of the comparing and authenticating using power obtained from the at least one of thermal energy, light energy, and electromagnetic energy.