Secure point of sales biometric identification process and financial system for standalone and remove device transactions (paysecure)

• US 7,809,169 B2
• Filed: 03/02/2006
• Issued: 10/05/2010
• Est. Priority Date: 03/02/2005
• Status: Active Grant

• Current Assignee: Pamela J. Martinez
• Original Assignee: Pamela J. Martinez
• Inventors: Martinez, Pamela J.
• Primary Examiner(s): Desire; Gregory M
• Application Number:
  US11/365,863
• Publication Number:
  US 20070005511A1
• Time in Patent Office: 1,678 Days
• Field of Search: 382/100, 382/115, 382/124, 382/125, 705/57, 705/64, 705/65, 705/67, 235/379, 235/380, 713/159, 713/172
• US Class Current: 382/115
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• 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

The present invention is an apparatus, method and system for secure point-of-sale (POS) and biometric data/finger print identification communications technology and systems processing methods in the area of financial merchant transactions. The present invention may use either or both standalone biometrics and biometric/fingerprinting technology with a touch screen device or a portable/mobile wireless device to securely process merchant POS financial transactions.

Claims

1. An apparatus, comprising:

a biometric data reader configured to receive biometric information from at least one of a user or a device configured to retrieve biometric information and to create a hash image of the biometric information;

an input device configured to receive user data including a pass code; and

at least one communications port to enable communication with a financial institution, wherein the at least one communications port is configured to establish communications with the financial institution, upon successful encryption of the hash image, and to send the pass code to the financial institution,

wherein upon receipt of a command from the financial institution that the pass code is valid, the apparatus is further configured to send the hash image to the financial institution to attempt to validate user information with corresponding information stored at the financial institution, and

wherein connection is established with the financial institution network if the validation is successful.

2. The apparatus of claim 1, wherein the apparatus is configured to transmit an open device command upon receipt of an input code from the input device and to provide the user with an option to enter biometric information in the biometric data reader.

3. The apparatus of claim 1, wherein the apparatus is configured to be activated at a point of sale terminal and the user information is used to approve or deny a financial transaction.

4. The apparatus of claim 1, wherein the input device is an alphanumeric keypad.

5. The apparatus of claim 1, wherein the apparatus is a portable wireless device.

6. The apparatus of claim 1, wherein the input device is a display window configured to display user options and results, wherein the display window is configured to support touch screen inputs.

7. The apparatus of claim 1, further comprising a card reader input port configured to read electronic data from a card or other media and to use the biometric image in processing data.

8. An apparatus, comprising:

a receiver to receive a hash image of biometric information and a pass code associated with a user from a mobile apparatus; and

a processor to enable communication with a financial institution upon validation of successful encryption of the hash image, to transmit the pass code and the hash image to the financial institution to attempt to validate user information with corresponding information stored at the financial institution, and to establish a connection with the financial institution upon receipt of a validation command from the financial institution,

wherein the financial institution uses the encrypted hash image to determine access information associated with the user and to create a record including the encrypted hash image and account information associated with the user.

9. The apparatus of claim 8, further comprising means for transmitting the record to a server for further validation.

10. The apparatus of claim 9, wherein a record stamp is created if the record is validated and stored account information associated with the user is retrieved.

11. An method, comprising:

receiving-biometric information from a user on a processing device configured to retrieve biometric information and creating a hash image of the biometric information;

establishing, on a communications port associated with a processor, communications with the financial institution, upon successful encryption of the hash image;

receiving, by the processor, a pass code and sending the pass code to the financial institution;

receiving, by the processor, a command from the financial institution that the pass code is valid;

sending, by the processor, the hash image to the financial institution to attempt to validate user information with corresponding information stored at the financial institution; and

establishing, by the processor, a connection with a financial institution network if the validation is successful.

12. The method of claim 11, further comprising transmitting an open device command upon receipt of a valid code and providing the user with an option to enter biometric information in the biometric data reader.

13. A method, comprising:

receiving, by a receiving module, a hash image of biometric information and a pass code associated with a user from a mobile apparatus; and

communicating, by a processor, with a financial institution upon validation of successful encryption of the hash image, wherein the communicating comprises transmitting the pass code and the hash image to the financial institution to attempt to validate user information with corresponding information stored at the financial institution and establishing a connection with the financial institution upon receipt of a validation command from the financial institution,

wherein the financial institution uses the encrypted hash image to determine access information associated with the user and to create a record including the encrypted hash image and account information associated with the user.

14. The method of claim 13, further comprising transmitting the record to a server for further validation.

15. The method of claim 14, further comprising creating a record stamp if the record is validated and retrieving stored account information associated with the user.