Smartcard transaction system and method
First Claim
Patent Images
1. A smartcard transaction system configured with a biometric security system, said system comprising:
- a smartcard configured to communicate with a smartcard reader;
an integrated circuit device disposed within said smartcard and configured to communicate with said reader, said integrated circuit device comprising a common application and a second application, said second application being configured to store information associated with a cardholder;
said second application comprising a common file structure and a partner file structure, wherein said partner file structure provides write access to a field within said partner file structure for a first partnering organization in response to verification of said proffered biometric scan sample and denies write access to said field for a second partnering organization, and said common file structure provides write access for said first partnering organization and said second partnering organization to a field in said common file structure;
said smartcard reader configured to communicate with said smartcard transaction system;
a biometric scan sensor in communication with a smartcard, said biometric scan sensor is configured to detect a proffered biometric scan sample, said biometric scan sensor configured to communicate with said smartcard transaction system;
a device configured to verify said proffered biometric scan sample to facilitate a transaction;
a first enterprise data collection unit associated with a first enterprise, said first enterprise data collection unit configured to store update transactions and pending transactions associated with said smartcard and said first enterprise;
a second enterprise data collection unit associated with a second enterprise, said second enterprise data collection unit configured to store update transactions and pending transactions associated with said smartcard and said second enterprise;
an access point configured to interface with said smartcard and said first and second enterprise data collection units;
a secure support client server configured to communicate with said access point, said secure support client server further configured to adaptively provide communication functionality in accordance with said communication functionality available at said access point;
a card object database system coupled to said first and second enterprise data collection units and configured to store said smartcard information in accordance with said update transactions and said pending transactions, wherein said smartcard information comprises a card object having an application; and
,an update logic system configured to route said smartcard information from said first and second enterprise data collection units to said access point in order to effect synchronization of said smartcard information associated with said smartcard and said card object database system, wherein said verification device activates said update logic system upon verification of said proffered biometric scan sample.
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Abstract
A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
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Citations
16 Claims
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1. A smartcard transaction system configured with a biometric security system, said system comprising:
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a smartcard configured to communicate with a smartcard reader; an integrated circuit device disposed within said smartcard and configured to communicate with said reader, said integrated circuit device comprising a common application and a second application, said second application being configured to store information associated with a cardholder; said second application comprising a common file structure and a partner file structure, wherein said partner file structure provides write access to a field within said partner file structure for a first partnering organization in response to verification of said proffered biometric scan sample and denies write access to said field for a second partnering organization, and said common file structure provides write access for said first partnering organization and said second partnering organization to a field in said common file structure; said smartcard reader configured to communicate with said smartcard transaction system; a biometric scan sensor in communication with a smartcard, said biometric scan sensor is configured to detect a proffered biometric scan sample, said biometric scan sensor configured to communicate with said smartcard transaction system; a device configured to verify said proffered biometric scan sample to facilitate a transaction; a first enterprise data collection unit associated with a first enterprise, said first enterprise data collection unit configured to store update transactions and pending transactions associated with said smartcard and said first enterprise; a second enterprise data collection unit associated with a second enterprise, said second enterprise data collection unit configured to store update transactions and pending transactions associated with said smartcard and said second enterprise; an access point configured to interface with said smartcard and said first and second enterprise data collection units; a secure support client server configured to communicate with said access point, said secure support client server further configured to adaptively provide communication functionality in accordance with said communication functionality available at said access point; a card object database system coupled to said first and second enterprise data collection units and configured to store said smartcard information in accordance with said update transactions and said pending transactions, wherein said smartcard information comprises a card object having an application; and
,an update logic system configured to route said smartcard information from said first and second enterprise data collection units to said access point in order to effect synchronization of said smartcard information associated with said smartcard and said card object database system, wherein said verification device activates said update logic system upon verification of said proffered biometric scan sample. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method for facilitating biometric security using a proffered biometric scan sample in a smartcard transaction system comprising:
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detecting a proffered biometric scan at a sensor in communication with a smartcard to obtain said proffered biometric scan sample; verifying said proffered biometric scan sample; authorizing a transaction to proceed in response to verification of said proffered biometric scan sample; storing update transactions and pending transactions associated with said smartcard and a first enterprise; storing update transactions and pending transactions associated with said smartcard and a second enterprise; interfacing with said smartcard at an access point, wherein a secure support client server communicates with said access point, and wherein said secure support client server adaptively provides communication functionality in accordance with said communication functionality available at said access point; storing said smartcard information in accordance with said update transactions and said pending transactions, wherein said smartcard information comprises a card object having an application; routing, in response to verification of said proffered biometric scan sample, said smartcard information from said first and second enterprise data collection units to said access point in order to effect synchronization of said smartcard information associated with said smartcard and said card object database system; and
,enabling write access to a field within a partner file structure in response to verification of said proffered biometric scan sample and in response to a request by a first partnering organization; denying write access to said field in response to a request by a second partnering organization; enabling write access for said first partnering organization and said second partnering organization to a field in said common file structure, in response to verification of said proffered biometric scan sample; transferring common data to facilitate authorization of said transaction; and
,transferring information related to said common file structure and information related to said partner file structure to facilitate said transaction. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A non transient computer-readable medium having stored thereon, computer-executable instructions that, if executed by a host computer, cause said host computer to perform a method comprising:
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detecting a proffered biometric scan at a sensor in communication with a smartcard to obtain said proffered biometric scan sample; verifying said proffered biometric scan sample; authorizing a transaction to proceed in response to verification of said proffered biometric scan sample; storing update transactions and pending transactions associated with said smartcard and a first enterprise; storing update transactions and pending transactions associated with said smartcard and a second enterprise; interfacing with said smartcard at an access point, wherein a secure support client server communicates with said access point, and wherein said secure support client server adaptively provides communication functionality in accordance with said communication functionality available at said access point; storing said smartcard information in accordance with said update transactions and said pending transactions, wherein said smartcard information comprises a card object having an application; routing, in response to verification of said proffered biometric scan sample, said smartcard information from said first and second enterprise data collection units to said access point in order to effect synchronization of said smartcard information associated with said smartcard and said card object database system; and
,enabling write access to a field within a partner file structure in response to verification of said proffered biometric scan sample and in response to a request by a first partnering organization; denying write access to said field in response to a request by a second partnering organization; enabling write access for said first partnering organization and said second partnering organization to a field in said common file structure, in response to verification of said proffered biometric scan sample; transferring common data to facilitate authorization of said transaction; and
,transferring information related to said common file structure and information related to said partner file structure to facilitate said transaction.
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Specification