Monitoring Secure Financial Transactions

• US 20110082791A1
• Filed: 03/31/2010
• Published: 04/07/2011
• Est. Priority Date: 10/06/2009
• Status: Abandoned Application

• Current Assignee: Synaptics Incorporated
• Original Assignee: Validity Sensors Incorporated (Synaptics Incorporated)
• Inventors: Schwab, Frank, Baghdasaryan, Davit, Hattery, Larry, Chan, Philip Yiu Kwong, Kesanupalli, Ramesh
• Application Number:
  US12/751,969
• Publication Number:
  US 20110082791A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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

Abstract

A request for a secure financial transaction is received from a user, who is authenticated with a biometric device. If the user is authenticated, an authentication token is received from the biometric device and sent to a remote device, which initiates the secure financial transaction. Upon initiation of the secure financial transaction, details related to the secure financial transaction are displayed to the user and the those details are monitored until the secure financial transaction is completed.

Claims

1. A computer-implemented method comprising:

receiving a request for a secure financial transaction from a user, wherein the secure financial transaction has associated secure financial transaction details;

authenticating the user requesting the secure financial transaction with a biometric device;

if the user is authenticated;

receiving an authentication token from the biometric device;

sending the authentication token to a remote device, wherein the remote device initiates the secure financial transaction;

displaying the secure financial transaction details to the user; and

monitoring an integrity of the secure financial transaction details until the secure financial transaction is completed.

2. The method of claim 1, wherein monitoring an integrity of the secure transaction details is performed by a biometric service.

3. The method of claim 1, wherein authenticating the user includes requesting the user to interact with the biometric device.

4. The method of claim 1, wherein displaying secure financial transaction details to the user includes:

validating a digital signature associated with an agent application configured to display the secure financial transaction details; and

launching the agent application if the digital signature is validated.

5. The method of claim 1, wherein monitoring an integrity of the secure financial transaction details includes identifying any changes to the secure financial transaction details.

6. The method of claim 1, further comprising terminating the secure financial transaction if changes to the secure financial transaction details are detected.

7. The method of claim 1, wherein monitoring an integrity of the secure financial transaction details includes identifying any changes to the secure financial transaction details at predetermined time intervals.

8. The method of claim 1, wherein monitoring an integrity of the secure financial transaction details includes identifying any changes to the secure financial transaction details at random time intervals.

9. The method of claim 1, further comprising terminating the secure financial transaction if the user is not authenticated.

10. The method of claim 1, wherein the secure financial transaction is a payment transaction.

11. The method of claim 1, wherein the secure financial transaction is a transfer of funds between two financial accounts.

12. A computer comprising:

a processor; and

a memory coupled to the processor, the memory comprising computer-executable instructions that when executed by the processor perform operations including;

receiving a request for a secure financial transaction from a user, wherein the secure financial transaction has associated secure financial transaction details;

authenticating the user requesting the secure financial transaction with a biometric device;

if the user is authenticated;

receiving an authentication token from the biometric device;

sending the authentication token to a remote device, wherein the remote device initiates the secure financial transaction;

displaying the secure financial transaction details to the user; and

monitoring an integrity of the secure financial transaction details until the secure financial transaction is completed.

13. The computer of claim 12, wherein authenticating the user includes requesting the user to interact with the biometric device.

14. The computer of claim 12, wherein displaying secure financial transaction details to the user includes:

validating a digital signature associated with an agent application configured to display the secure financial transaction details; and

launching the agent application if the digital signature is validated.

15. The computer of claim 12, wherein monitoring an integrity of the secure financial transaction details includes identifying any changes to the secure financial transaction details.

16. The computer of claim 12, wherein monitoring an integrity of the secure financial transaction details includes identifying any changes to the secure financial transaction details at predetermined time intervals.

17. The computer of claim 12, wherein monitoring an integrity of the secure financial transaction details includes identifying any changes to the secure financial transaction details at random time intervals.

18. The computer of claim 12, wherein the processor terminates the secure financial transaction if the user is not authenticated.

19. The computer of claim 12, wherein the secure financial transaction is a payment transaction.

20. The computer of claim 12, wherein the secure financial transaction is a transfer of funds between two financial accounts.