UNIVERSAL SECURE REGISTRY
First Claim
1. A device configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction, comprising:
- a biometric sensor configured to receive a biometric input provided by the user;
a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts;
a communication link configured to communicate with a secure registry; and
a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface and the communication link, the processor configured to generate a non-predictable value and to generate encrypted authentication information from the non-predictable value, the identifying information, and at least one of the information concerning the biometric input and the secret information, and to communicate the encrypted authentication information via the communication link to the secure registry.
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Accused Products
Abstract
In one embodiment, a user device is configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction. In one embodiment, the user device includes a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts. In a further embodiment, the user device includes a communication link configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface, and the communication link. According to one embodiment, the processor is configured to generate a non-predictable value and to generate encrypted authentication information from the non-predictable value, the identifying information, and at least one of the information concerning the biometric input and the secret information, and to communicate the encrypted authentication information via the communication link to the secure registry.
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Citations
31 Claims
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1. A device configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction, comprising:
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a biometric sensor configured to receive a biometric input provided by the user; a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts; a communication link configured to communicate with a secure registry; and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface and the communication link, the processor configured to generate a non-predictable value and to generate encrypted authentication information from the non-predictable value, the identifying information, and at least one of the information concerning the biometric input and the secret information, and to communicate the encrypted authentication information via the communication link to the secure registry. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method of generating authentication information comprising acts of:
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authenticating an identity of a user to a device based on at least one of biometric data received by the device from the user and secret information known to the user and provided to the device; generating a non-predictable value with the device; receiving identifying information from the user concerning a selected one of a plurality of user accounts; and generating encrypted authentication information from the non-predictable value, the identifying information, and at least one of the biometric data and the secret information. - View Dependent Claims (16, 17, 18, 19)
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20. A method of controlling access to a plurality of accounts, the method comprising acts of:
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generating, with a device, encrypted authentication information from a non-predictable value generated by the device, identifying information concerning an account selected by a user of the device from among a plurality of accounts associated with the user, and at least one of a biometric of the user received by the device and secret information provided to the device by the user; communicating the encrypted authentication information from the device to a secure registry via a point-of-sale (POS) device to authenticate or not authenticate the device with the secure registry; authorizing the POS device to initiate a financial transaction involving a transfer of funds to or from the account selected by the user when the encrypted authentication information is successfully authenticated; and denying the POS device from initiation of the financial transaction involving a transfer of funds to or from the account selected by the user when the encrypted authentication information is not successfully authenticated. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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Specification