CONTACTLESS DEVICE AND METHOD FOR GENERATING A UNIQUE TEMPORARY CODE

• US 20190325427A1
• Filed: 12/18/2017
• Published: 10/24/2019
• Est. Priority Date: 12/19/2016
• Status: Active Application

• Current Assignee: Lorenzo Frollini
• Original Assignee: Lorenzo Frollini
• Inventors: Frollini, Lorenzo
• Application Number:
  US16/471,089
• Publication Number:
  US 20190325427A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3821 Electronic credentials

Abstract

Contactless device for electronic payment and digital recognition of a person and method for generating a unique temporary OTP dynamic code via the contactless device. The device having a first set of components and a second set of components, wherein the first set of components comprises at least one biometric sensor for detecting a biometric character of a user and generating a biometric datum; at least one battery for supplying the components of the device; a display for displaying information data; an OTP microchip for generating a temporary dynamic code; at least one activation button for the OTP token function; at least one electronic circuit for contactless communication; and a microcontroller to manage the operations of the device. The second set of components includes at least one passive NFC microchip, in which the passive NFC microchip is removable from the device and isolated from the first set of components.

Claims

1. A Contactless device for electronic payment and digital recognition of a person, said device having a first set of components and a second set of components,

wherein the first set of components comprises:

at least one biometric sensor for detecting a biometric character of a user and generating a biometric datum;

at least one battery for supplying the components of the device;

a display for displaying information data;

an OTP microchip for generating a temporary dynamic code;

at least one activation button for the OTP token function;

at least one electronic circuit for contactless communication; and

a microcontroller for managing the operations of the device, said microcontroller being connected to the biometric sensor, to the electronic circuit, to the battery, to the display, to the OTP microchip, to the activation button and to the electronic circuit;

and the second set of components comprises at least one passive NFC microchip,

wherein the passive NFC microchip is removable from the device and physically isolated from the first set of components.

2. The device according to claim 1, wherein said device is devoid of any component for mobile network connection, such as GSM, GPRS, 3G, LTE or similar.

3. The device according to claim 1, wherein the biometric sensor comprises a reader for detecting the fingerprint of the person.

4. A physical support, such as a bracelet, keyring, pendant or the like, comprising the device according to claim 1.

5. An electronic payment system, comprising:

at least one device according to claim 1;

a point of sale terminal for receiving data from and sending data to the device;

a payment circuit for receiving data from and sending data to the point of sale terminal; and

an authentication and control server for receiving data from and sending data to the payment circuit,

wherein the device is configured to receive and send data exclusively through the point of sale terminal, and wherein the biometric data is stored both in the device and in the authentication and control server.

6. The system for digital recognition of a person, comprising:

at least one device according to claim 1;

an NFC terminal for proximity communication for receiving data from and sending data to the device;

an administration server for receiving data from and sending data to the NFC; and

an authentication and control server for receiving data from and sending data to the administration server,

wherein the device is configured to receive and send data exclusively through the NFC terminal, and wherein the biometric data is stored both in the device and in the authentication and control server.

7. The System for managing a bank account and requesting authorization for a banking operation, comprising:

at least one device according to claim 1;

a server of a banking system for receiving data from the device; and

an authentication and control server for receiving data from and sending data to the server of the banking system,

wherein the device is configured to receive and send data exclusively through the banking system server, and wherein the biometric data is stored both in the device and in the authentication and control server.

8. A method for generating a single temporary OTP dynamic code via a contactless device, said method comprising:

authenticating a user by detecting a biometric character of the user by means of a biometric sensor present in the device;

activating an OTP microchip or generating a temporary dynamic code present inside said contactless device following said authentication; and

calculating and generating the valid and unique OTP temporary dynamic code by means of an algorithm generated by the OTP microchip.

9. The method according to claim 8, further comprising:

generating a text string resulting from the detection of the user'"'"'s biometric character through the biometric sensor;

integrating said text string within the algorithm through the OTP microchip, and

calculating and generating the valid and unique temporary OTP dynamic code,

wherein the text string is used as one of the keys for the calculation of the temporary OTP dynamic code.

10. The method for an electronic payment by means of a contactless device, the method comprising:

sending to the device by a point of sale terminal of an authorization request of a payment;

authenticating a user by detecting a biometric character of the user by means of a biometric sensor present in the device;

generating a temporary unique OTP dynamic code according to claim 8;

sending the temporary single OTP dynamic code from the contactless device to the point of sale terminal by means of a proximity communication;

sending the temporary single OTP dynamic code from the point of sale to an authentication and control server via a payment circuit;

sending the result of the payment request to the contactless device by the authentication and control server through the payment circuit and point of sale terminal;

wherein the text string used to generate the unique temporary OTP dynamic code is stored both in the device and in the authentication and control server.

11. The method for digital recognition of a person by means of a contactless device, the method comprising:

sending to the device an authentication request of a user who is the holder of the device following a request for authorization to consult a personal document of the user;

authenticating the user by detecting a biometric character of the user by means of a biometric sensor present in the device;

generating a temporary unique OTP dynamic code according to claim 8;

sending the temporary single OTP dynamic code from the contactless device to an NFC terminal for a proximity communication;

sending the temporary unique OTP dynamic code from the NFC to an authentication and control server through an administration server, wherein the administration server includes data relating to the personal document of the user;

sending the result of the request for authorization to consult the document to the contactless device by the authentication and control server via the administration server and NFC terminal;

wherein the text string used to generate the unique temporary OTP dynamic code is stored both in the device and in the authentication and control server.

12. The method according to claim 11, wherein at least one pre-installed code relating to the type of the requested personal document of the user is used as one of the keys for the calculation of the temporary OTP dynamic code.

13. The method according to claim 12 the pre-installed code is stored both in the device and in the administration server, and in the authentication and control server.