Registering a biometric for radio frequency transactions

• US 7,637,434 B2
• Filed: 09/07/2007
• Issued: 12/29/2009
• Est. Priority Date: 07/10/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Xatra Fund MX LLC (Intellectual Ventures LLC)
• Inventors: Bonalle, David S, Beenau, Blayn W, Saunders, Peter D, Montgomery, Joshua L, Larkin, Carl, Gray, William J, Fields, Seth W
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US11/851,580
• Publication Number:
  US 20080016002A1
• Time in Patent Office: 844 Days
• Field of Search: 235/487, 235/492, 235/493, 235379-381, 340/572.1, 340/5.52, 340/5.4, 705/64, 705/65, 705 41- 44
• US Class Current: 235/487
• CPC Class Codes: G06F 18/00 Pattern recognition
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0225 : Avoiding frauds
• CPC Class Codes: G06V 40/10 : Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
• CPC Class Codes: G06V 40/14 : Vascular patterns
• CPC Class Codes: G06V 40/40 : Spoof detection, e.g. liveness detection
• CPC Class Codes: G07C 9/257 : electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 : using a biometric sensor integrated in the pass
• CPC Class Codes: G07C 9/28 : the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 : the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/025 : by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/14 : Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• CPC Class Codes: H04L 2209/56 : Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 : Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3231 : Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Claims

1. A method, comprising:

associating registered biometric sample data with a Radio Frequency (RF) device identification code;

authorizing a transaction device request in response to transaction biometric sample data from an RF device substantially matching the registered biometric sample data, wherein the transaction device request comprises a transaction value;

deducting the transaction value from a preloaded value data file associated with the RF device identification code;

updating the preloaded value data file in accordance with a reload protocol data file associated with the RF device identification code, wherein the reload protocol data file comprises a plurality of reload criteria; and

automatically updating at least one of the plurality of reload criteria in response to an RF device update request.

2. The method of claim 1, further comprising requesting a funding source value from a first funding source associated with the RF device identification code and the preloaded value data file, wherein the requesting the funding source value is in response to an instruction from at least one of the plurality of reload criteria.

3. The method of claim 1, further comprising updating the preloaded value data file with the funding source value to create a preloaded value data file value.

4. The method of claim 3, further comprising authorizing the transaction device request to facilitate an RF transaction in response to the preloaded value data file value being greater than the transaction value.

5. The method of claim 1, wherein the plurality of reload criteria comprise a first reload criteria including a minimum depletion value, and a second reload criteria including at least one of a maximum load amount over a specified time period, a specified reload interval, or a defined maximum number of reloads.

6. The method of claim 5, further comprising updating the plurality of reload criteria with an update reload criteria, wherein the RF device update request comprises the update reload criteria.

7. The method of claim 6, further comprising activating the RF device in response to the transaction biometric sample data matching the registered biometric sample data.

8. The method of claim 1, further comprising deducting the transaction value from the preloaded value data file value to generate a depleted value, wherein one of the plurality of reload criteria corresponds to a minimum depletion value.

9. The method of claim 8, further comprising automatically reloading the preloaded value data file in response to the depleted value being less than the minimum depletion value.

15. The method of claim 9, wherein the minimum depletion value is greater than zero.

10. A method comprising:

receiving, from a transaction processing entity, a Radio Frequency (RF) device identification code associated with an RF device, wherein the RF device identification code is associated with a preloaded value data file and a reload protocol data file comprising a plurality of reload criteria;

transmitting biometric sample data associated with the RF device identification code to the transaction processing entity for verification;

communicating the RF device identification code and a transaction request to an RF identification (RFID) reader associated with a merchant system, wherein the transaction request comprises transaction biometric sample data and a transaction value, and wherein the transaction value is configured to be deducted from the preloaded value data file in response to the transaction biometric sample data substantially matching the biometric sample data; and

communicating a reload protocol update request to the transaction processing entity, wherein the reload protocol update request is configured to facilitate automatically updating at least one of the plurality of reload criteria.

11. The method of claim 10, wherein the RF device comprises a first transponder and a second transponder, wherein at least one of the first transponder or the second transponder is configured to communicate with the RFID reader.

12. The method of claim 10, wherein the biometric sample data and the transaction biometric sample data individually comprise a biometric sample characteristic including at least one of:

minutia, vascular patterns, prints, waveforms, odorants, nodal points, reference points, size, shape, thermal patterns, blood flow, or body heat.

13. The method of claim 10, further comprising receiving a biometric sample associated with the transaction biometric sample data at a biometric sensor, wherein the biometric sensor includes at least one of:

a retinal scan sensor, an iris scan sensor, a fingerprint sensor, a hand print sensor, a hand geometry sensor, a voice print sensor, a vascular sensor, a facial sensor, an ear sensor, a signature sensor, a keystroke sensor, an olfactory sensor, an auditory emissions sensor, or a DNA sensor.

14. The method of claim 10, wherein the RF device identification code is further associated with an account code, and wherein the transaction request is configured to be satisfied in accordance with the account code.

16. The method of claim 10, wherein the reload protocol update request is received from the RF device.