System and method for biometric-based fraud protection
First Claim
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1. An identification system for authenticating a user comprising:
- an identification card having a substrate including a biometric input device, an internal memory device, and an internal control device in electronic communication for providing self-activation of the identification card for use by an authorized user, wherein the user inputs a biometric identifier input via a biometric input device that communicates with the internal memory device and the internal control device for providing the biometric identifier input, wherein a database stored on a remote computer is provided for receiving initial registration and optionally for subsequent checks of validity and singularity of the biometric information stored on the identification card and within the database relating to the authorized user, the biometric identifier input is initially validated upon transmission of the biometric identifier input to the database stored on a remote computer and receipt of a validation response from the database, wherein the identification card is initially in communication with the database for transmission of the biometric identifier input and receipt of the validation response for initial registration, and wherein the database confirms the singular, unique existence of a match to the biometric identifier input that corresponds to the user, wherein after initial registration with the database the identification card is independently self-activated for authorizing a transaction, permitting but without requiring communication with the database for confirming the biometric identifier input of the user, wherein the transaction and/or the authentication is denied where more than a singular unique registration exists in the database for the biometric identification input and/or the user, and wherein the match is stored in the database.
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Abstract
A biometric fingerprint device for preventing fraud based on the device having standalone, self-authentication of the identity of predetermined user(s) and its interactivity with a database that is initiated via a controlled singularity of registration, i.e. contemporaneous registration of a user'"'"'s fingerprint(s) into a database and registration, initialization, and authentication of that same fingerprint(s) onto a standalone biometric fingerprint device.
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Citations
20 Claims
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1. An identification system for authenticating a user comprising:
an identification card having a substrate including a biometric input device, an internal memory device, and an internal control device in electronic communication for providing self-activation of the identification card for use by an authorized user, wherein the user inputs a biometric identifier input via a biometric input device that communicates with the internal memory device and the internal control device for providing the biometric identifier input, wherein a database stored on a remote computer is provided for receiving initial registration and optionally for subsequent checks of validity and singularity of the biometric information stored on the identification card and within the database relating to the authorized user, the biometric identifier input is initially validated upon transmission of the biometric identifier input to the database stored on a remote computer and receipt of a validation response from the database, wherein the identification card is initially in communication with the database for transmission of the biometric identifier input and receipt of the validation response for initial registration, and wherein the database confirms the singular, unique existence of a match to the biometric identifier input that corresponds to the user, wherein after initial registration with the database the identification card is independently self-activated for authorizing a transaction, permitting but without requiring communication with the database for confirming the biometric identifier input of the user, wherein the transaction and/or the authentication is denied where more than a singular unique registration exists in the database for the biometric identification input and/or the user, and wherein the match is stored in the database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A method for using an identification system comprising the steps of:
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providing an identification card having a substrate including a biometric input device, an internal memory device, and an internal control device in electronic communication for providing self-activation of the identification card for use by an authorized user; inputting a biometric identifier input corresponding to the user via the biometric input device that communicates with the internal memory device and the internal control device for providing the biometric identifier input; transmitting the biometric identifier input to a database stored on a remote computer for receiving initial registration and optionally for subsequent checks of validity and singularity of biometric information relating to the authorized user stored on the identification card and in the database; initially validating the biometric identifier input and/or the user by confirming the existence of a match to the biometric identifier input that corresponds to the user that is stored in the database on the remote computer; receiving a validation response for initial registration from the database by the identification card while the identification card is in communication with the database for the transmission of the biometric identifier input and receipt of the initial registration validation response; confirming a singular, unique existence of the biometric identifier input corresponding to the user on the card and in the database during initial registration; self-activating the identification card after initial registration with the database for authorizing a transaction without requiring communication with the database for confirming the biometric identifier input of the user; denying the transaction and/or the authentication where more tan a singular unique registration exists in the database for the biometric identification input and/or the user. - View Dependent Claims (19, 20)
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Specification