SELFIE FINANCIAL SECURITY TRANSACTION SYSTEM

• US 20160071101A1
• Filed: 02/28/2015
• Published: 03/10/2016
• Est. Priority Date: 09/09/2014
• Status: Abandoned Application

• Current Assignee: Tyson York Winarski
• Original Assignee: Tyson York Winarski
• Inventors: WINARSKI, TYSON YORK
• Application Number:
  US14/634,774
• Publication Number:
  US 20160071101A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: G06V 40/172 Classification, e.g. identification
• CPC Class Codes: G06V 40/40 Spoof detection, e.g. liveness detection
• CPC Class Codes: G07F 7/0833 Card having specific functional components

Abstract

A financial card activation and authorization system for a transaction is disclosed. An image of an account holder and his financial card is captured and used to develop an encryption key to secure the account information. Subsequent transactions are then authorized by sending an image of the purchaser'"'"'s face and the financial card by comparing it to the original picture of the account holder who activated the card.

Claims

1. A financial card authorization system for a transaction, comprising:

a database containing encrypted account information for a financial card account holder encrypted with a selfie-cryptographic key, the selfie-cryptographic key being generated utilizing first data contained within a first single image, the first data including both facial recognition features of the financial card account holder and a visual card identifier on a financial card associated with the encrypted account information;

a cryptographic key generator that generates a transaction-cryptographic key utilizing second data contained within a second single image, the second data including both the visual financial card identifier on the financial card and facial recognition features of a person in possession of the financial card; and

a transaction system that applies the transaction-cryptographic key to the encrypted account information stored in the database, the transaction system transmits a transaction authorization code when the transaction-cryptographic key successfully decrypts the encrypted account information, the financial card authorization system does not permanently store the transaction-cryptographic key but retains it for a transitory period during an authorization of a financial card transaction.

2. The financial card authorization system of claim 1, wherein the cryptographic key generator generates the selfie-cryptographic key, the financial card authorization system does not permanently store the selfie-cryptographic key but retains it for a transitory period during encryption of the encrypted account information in the database.

3. The financial card authorization system of claim 2, wherein the first single image is a first digital picture of the financial card placed next to the financial card account holder'"'"'s face.

4. The financial card authorization system of claim 3, wherein the second single image is a second digital picture of the financial card placed next to the face of the person in possession of the financial card.

5. The financial card authorization system of claim 4, wherein the cryptographic key generator utilizes a facial recognition module to extract facial recognition features from the first digital picture of the financial card account holder'"'"'s face.

6. The financial card authorization system of claim 5, wherein the cryptographic key generator utilizes the facial recognition module to extract facial recognition features from the second digital picture of the face of the person in possession of the financial card.

7. The financial card authorization system of claim 6, wherein the visual financial card identifier is information printed on the financial card.

8. The financial card authorization system of claim 7, wherein the information printed on the financial card is a QR code.

9. The financial card authorization system of claim 7, wherein the information printed on said financial card is a bar code.

10. The financial card authorization system of claim 7, wherein the information printed on said financial card is a hologram.

11. The financial card authorization system of claim 8, wherein the encrypted account information for the financial card account holder is initially encrypted with an initial-cryptographic key before it is encrypted with the selfie-cryptographic key, the initial-cryptographic key being generated without any facial recognition features of the financial card account holder.

12. The financial card authorization system of claim 9, wherein the encrypted account information for the financial card account holder is re-encrypted with the selfie-cryptographic key during a financial card activation process in which the financial card account holder creates the first single image utilizing an authorized device that digitally transmits the first single image to the cryptographic key generator across a communications network.

13. The financial card authorization system of claim 10, wherein the authorized device is a mobile electronic device previously associated with the encrypted account information.

14. The financial card authorization system of claim 10, wherein the authorized device is a non-mobile wired electronic device previously associated with the encrypted account information.

15. The financial card authorization system of claim 1, further comprising an image analysis security module, wherein the cryptographic key generator generates the selfie-cryptographic key from the first single image only when it is authorized by the image analysis security module when the image analysis security module determines that the first single image has not been tampered with, wherein the cryptographic key generator generates the transaction-cryptographic key from the second single image only when it is authorized by the image analysis security module when the image analysis security module determines that the second single image has not been tampered with.

16. The financial card authorization system of claim 1, wherein the transaction system transmits a transaction rejection code when the image analysis security module determines that the second single image has been tampered with.

17. The financial card authorization system of claim 1, wherein the transaction system transmits a transaction rejection code when the transaction-cryptographic key unsuccessfully decrypts the encrypted account information.

18. The financial card authorization system of claim 1, wherein the cryptographic key generator receives the second single image via a digital message sent over a communications network from a point-of-service terminal equipped with a digital camera, wherein the digital camera captured the single second image.

19. The financial card authorization system of claim 1, wherein the financial card authorization system does not permanently store the first single image but retains it for a transitory period during encryption of the encrypted account information in the database.

20. The financial card authorization system of claim 1, wherein the financial card authorization system does not permanently store the second single image but retains it for a transitory period during the transaction.