Biometrics for radio frequency payment transactions
First Claim
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1. A Radio Frequency (RF) customer payment device comprising:
- an RF transponder configured to receive a customer payment device authentication code from an RF Identification (RFID) reader;
a database comprising a unique customer payment device identification code, a unique customer payment device encryption key corresponding to the unique customer payment device identification code, and a customer payment device account code;
a biometric sensor configured to detect a proffered biometric sample to create biometric sample data; and
a customer payment device authentication circuit to communicate with the database, wherein the customer payment device authentication circuit is configured to use the unique customer payment device encryption key to encrypt the customer payment device authentication code and is configured to use the unique customer payment device encryption key to encrypt the customer payment device account code;
wherein the RF transponder is configured to transmit at least one of the encrypted customer payment device authentication code or the encrypted customer payment device account code to the RFID reader, and wherein the customer payment device authentication circuit is configured to be enabled in response to the biometric sample data matching authenticated biometric sample data.
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Abstract
The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.
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Citations
28 Claims
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1. A Radio Frequency (RF) customer payment device comprising:
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an RF transponder configured to receive a customer payment device authentication code from an RF Identification (RFID) reader; a database comprising a unique customer payment device identification code, a unique customer payment device encryption key corresponding to the unique customer payment device identification code, and a customer payment device account code; a biometric sensor configured to detect a proffered biometric sample to create biometric sample data; and a customer payment device authentication circuit to communicate with the database, wherein the customer payment device authentication circuit is configured to use the unique customer payment device encryption key to encrypt the customer payment device authentication code and is configured to use the unique customer payment device encryption key to encrypt the customer payment device account code; wherein the RF transponder is configured to transmit at least one of the encrypted customer payment device authentication code or the encrypted customer payment device account code to the RFID reader, and wherein the customer payment device authentication circuit is configured to be enabled in response to the biometric sample data matching authenticated biometric sample data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A Radio Frequency Identification (RFID) reader comprising:
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a Radio Frequency (RF) transponder configured to receive a unique customer payment device identification code, an encrypted customer payment device account code, and biometric sample data from an RF customer payment device; a database comprising authenticated biometric sample data and a plurality of customer payment device-specific decryption keys; and an RFID authentication circuit to communicate with the database, decrypt the encrypted customer payment device account code using a unique customer payment device decryption key selected from the plurality of customer payment device-specific decryption keys, and compare the biometric sample data to the authenticated biometric sample data to authenticate the RF customer payment device. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21)
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22. A method for utilizing a Radio Frequency (RF) customer payment device comprising a transponder and a biometric security device to facilitate an RF payment transaction, the method comprising:
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verifying a proffered biometric sample detected at a biometric sensor to create verified biometric sample data; activating a transponder system authentication circuit in response to at least one of an RF interrogation signal from an RF Identification (RFID) reader or the verified biometric sample data; encrypting, at the transponder system authentication circuit, a customer payment device authentication code with a unique encryption key; transmitting the encrypted customer payment device authentication code and a unique customer payment device identification code to the RFID reader; transmitting an RFID reader authentication code to the RFID reader; decrypting an encrypted RFID reader authentication code received from the RFID reader using a transponder decryption key; and authenticating the RFID reader and transmitting RF customer payment device account data to the RIFD reader in response to the decrypted RFID reader authentication code matching the RFID reader authentication code, and in response to verified biometric sample data matching authenticated biometric sample data. - View Dependent Claims (23, 24, 25)
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26. A method for facilitating an RF payment transaction using an RFID reader, comprising:
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transmitting a customer payment device authentication code to an RF customer payment device; receiving an encrypted customer payment device authentication code, biometric sample data, and a unique customer payment device identification code from the RF customer payment device; decrypting the encrypted customer payment device authentication code using a unique customer payment device decryption key corresponding to the unique customer payment device authentication code; authenticating the RF customer payment device in response to the biometric sample data matching authenticated biometric sample data and in response to the decrypted customer payment device authentication code matching the customer payment device authentication code; receiving an encrypted customer payment device account code from the RF customer payment device; decrypting the encrypted customer payment device account code using the unique customer payment device decryption key; and transmitting the decrypted customer payment device account code for payment processing. - View Dependent Claims (27, 28)
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Specification