UNIVERSAL SECURE REGISTRY

• US 20170337537A1
• Filed: 07/27/2017
• Published: 11/23/2017
• Est. Priority Date: 03/16/2001
• Status: Active Grant

• Current Assignee: Universal Secure Registry LLC
• Original Assignee: Universal Secure Registry LLC
• Inventors: Weiss, Kenneth P.
• Granted Patent: US 10,636,022 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• 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 postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/105 Multiple levels of security
• CPC Class Codes: Y10S 707/99931 Database or file accessing
• CPC Class Codes: Y10S 707/99933 Query processing, i.e. searching
• CPC Class Codes: Y10S 707/99939 Privileged access

Abstract

An authentication system and method of use are provided to enable a transaction involving a first party and a user, the system comprising an electronic device comprising a communications interface and one or more processors. The one or more processors are configured to receive biometric information of the user and generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information, wherein the communications interface is configured to communicate a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user, and wherein the received biometric information is verified at a point of use.

Claims

1. An authentication system to enable a transaction involving a first party and a user, the system comprising:

an electronic device comprising a communications interface and one or more processors;

wherein the one or more processors are configured to;

receive biometric information of the user; and

generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information;

wherein the communications interface is configured to communicate a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user; and

wherein the received biometric information is verified at a point of use.

2. The system of claim 1 wherein the first party comprises a merchant or a credit card company.

3. The system of claim 1 wherein the one-time code comprises a code associated with credit or bank card information of the user.

4. The system of claim 3 wherein the code associated with credit or bank card information does not contain the credit or bank card information.

5. The system of claim 1 wherein the one-time code is selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and wherein the one-time code is encrypted before communicating the signal to the first party.

6. The system of claim 1 wherein the one-time code is associated with a public identification code for a credit or bank card account, and wherein the public identification code for the credit or bank card account is communicated to a credit or bank card issuer to enable the transaction.

7. The system of claim 1 further comprising a biometric sensor configured to receive fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information.

8. A method for enabling a transaction involving a first party and a user, the method comprising:

receiving authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a personal identification number (PIN) or code;

authenticating an identity of the user based on the received authentication information;

generating a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information; and

communicating a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user.

9. The method of claim 8 wherein communicating the signal comprising the one-time code to the first party comprises communicating a signal comprising the one-time code to a merchant or a credit card company.

10. The method of claim 8 wherein generating the one-time code comprises generating a code that is associated with credit or bank card information of the user.

11. The method of claim 10 wherein generating the code associated with credit or bank card information comprises generating a code that does not contain the credit or bank card information.

12. The method of claim 8 wherein generating the one-time code comprises generating a one-time code selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and the method further comprises encrypting the one-time code before communicating the signal to the first party.

13. The method of claim 8 wherein generating the one-time code comprises generating a one-time code associated with a public identification code for a credit or bank card account, and wherein the public identification code for the credit or bank card account is communicated to a credit or bank card issuer to enable the transaction.

14. The method of claim 8 further comprising receiving fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information from a biometric sensor and authenticating the identity of the user based on the received information from the biometric sensor and the PIN or code.

15. A computer readable medium or media containing instructions for authenticating a user involved in a transaction, wherein execution of the instructions by one or more processors causes the one or more processors to carry out the steps of:

receiving authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a PIN or code;

authenticating an identity of the user based on the received authentication information;

generating a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information; and

communicating a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user.

16. The computer readable medium or media of claim 15 wherein communicating the signal comprising the one-time code to the first party comprises communicating a signal comprising the one-time code to a merchant or a credit card company.

17. The computer readable medium or media of claim 15 wherein generating the one-time code comprises generating a code that is associated with credit or bank card information of the user.

18. The computer readable medium or media of claim 17 wherein generating the code associated with credit or bank card information comprises generating a code that does not contain the credit or bank card information.

19. The computer readable medium or media of claim 15 wherein generating the one-time code comprises generating a one-time code selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and the method further comprising encrypting the one-time code before communicating the signal to the first party.

20. The computer readable medium or media of claim 15 wherein generating the one-time code comprises generating a one-time code associated with a public identification code for a credit or bank card account, and wherein the public identification code for the credit or bank card account is communicated to a credit or bank card issuer to enable the transaction.

21. The computer readable medium or media of claim 15 wherein execution of the instructions by one or more processors further causes the one or more processors to carry out the steps of receiving fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information from a biometric sensor and authenticating the identity of the user based on the received information from the biometric sensor and the PIN or code.

22. An authentication system to enable a transaction involving a first party and a user, the system comprising:

an electronic device comprising a communications interface and one or more processors;

wherein the one or more processors are configured to;

receive biometric information of the user; and

generate a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information; and

a computer system, the computer system comprising;

a communications interface configured to receive the one-time code; and

one or more processors configured to retrieve account information associated with the electronic device, and to use the retrieved account information to access the account identifying information or the user identifying information.

23. The system of claim 22 wherein the first party comprises a merchant or a credit card company.

24. The system of claim 22 wherein the one-time code comprises a code associated with credit or bank card information of the user.

25. The system of claim 24 wherein the code associated with credit or bank card information does not contain the credit or bank card information.

26. The system of claim 22 wherein the one-time code is selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and wherein the one-time code is encrypted before communicating the signal to the first party.

27. The system of claim 22 wherein the one-time code is associated with a public identification code for a credit or bank card account, and wherein the public identification code for the credit or bank card account is communicated to a credit or bank card issuer to enable the transaction.

28. The system of claim 22 further comprising a biometric sensor configured to receive fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information.