System for identifying an individual in an electronic transaction
First Claim
1. A system for identifying an individual in an electronic transaction, said system comprising:
- a terminal comprising a body coupler and a radiofrequency transceiver;
an independent portable device comprising an over skin communication receiver, a radiofrequency transceiver, and a biometric sensor; and
wherein the terminal is configured to;
transmit through the body coupler a connection code to the independent portable device when a body of an individual makes physical contact with both the terminal and the independent portable device, wherein the connection code comprises a terminal identification class, andwherein the independent portable device is configured to;
remain in a low-powered stand-by mode until a data signal is received by the over skin receiver;
receive a data signal comprising the connection code by the over skin communication receiver;
transition to an active mode when the data signal is received;
determine the terminal identification class from the connection code;
obtain, using the biometric sensor, biometric data for a user of the independent portable device;
determine whether the user of the independent portable device is an authorized user; and
when the user of the independent portable device is the authorized user;
establish communication with the terminal using the radiofrequency transceiver based on the terminal identification class.
2 Assignments
0 Petitions
Accused Products
Abstract
The system comprises a terminal (10, 12), an independent portable device (20) including a data processing means, and a wireless coupling means (RF COMMUNICATION) for exchanging individual-identification data between said terminal and said portable device. A body-medium communication means (OSC COMMUNICATION) including a transmitter in the terminal and a receiver in the portable device is provided to transmit from the terminal to the portable device a connection code (CONNECTION CODE) at the onset of a transaction upon physical contact established by the individual between the terminal and the portable device. A control means in the portable device checks said connection code received and conditionally issues to the terminal through said wireless coupling means (RF COMMUNICATION) a signal for enabling further execution of said transaction in response to said connection code complying with predetermined criteria.
17 Citations
10 Claims
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1. A system for identifying an individual in an electronic transaction, said system comprising:
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a terminal comprising a body coupler and a radiofrequency transceiver; an independent portable device comprising an over skin communication receiver, a radiofrequency transceiver, and a biometric sensor; and wherein the terminal is configured to; transmit through the body coupler a connection code to the independent portable device when a body of an individual makes physical contact with both the terminal and the independent portable device, wherein the connection code comprises a terminal identification class, and wherein the independent portable device is configured to; remain in a low-powered stand-by mode until a data signal is received by the over skin receiver; receive a data signal comprising the connection code by the over skin communication receiver; transition to an active mode when the data signal is received; determine the terminal identification class from the connection code; obtain, using the biometric sensor, biometric data for a user of the independent portable device; determine whether the user of the independent portable device is an authorized user; and when the user of the independent portable device is the authorized user; establish communication with the terminal using the radiofrequency transceiver based on the terminal identification class. - View Dependent Claims (2, 3, 4, 5, 6, 9)
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7. An independent portable device for use in a system configured to identify an individual in an electronic transaction, the independent portable device comprising:
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a data processing means; a radiofrequency transceiver for exchanging individual-identification data with a terminal; an over skin communication receiver configured to receive from the terminal a connection code at the onset of a transaction when a body of an individual makes physical contact with both the terminal and the independent portable device, and a biometric sensor, wherein the independent portable device is configured to; obtain, using the biometric sensor, biometric data for the user of the independent portable device; determine that the user of the independent portable device is an authorized user; determine a terminal identification class from the received connection code; and establish communication with the terminal using the radiofrequency transceiver based on the terminal identification class.
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8. A terminal configured to identify an individual in an electronic transaction, comprising:
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a radiofrequency transceiver for communicating with an independent portable device; and a body coupler configured to transmit to the independent portable device a connection code when a body of an individual makes physical contact with both the terminal and the independent portable device, wherein the connection code comprises a terminal identification class, a first random number, and a second random number, wherein the radiofrequency transceiver is configured to; receive a first signal transmitted by a radiofrequency transceiver of the independent portable device when the class of the independent portable device matches the terminal identification class comprised in the connection code, wherein the first signal comprises the first random number; transmit, to the independent portable device, a request for the second random number; receive a second signal transmitted by the radiofrequency transceiver of the independent portable device, wherein the second signal comprises the second random number, wherein when (i) the first random number comprised in the first signal matches the first random number comprised in the connection code and (ii) the second random number comprised in the second signal matches the second random number comprised in the connection code, the terminal and the independent portable device are enabled to execute a transaction.
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10. A portable device, comprising:
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a radiofrequency transceiver for exchanging individual-identification data with a terminal; an over skin communication receiver configured to receive from the terminal a connection code at the onset of a transaction when a body of an individual makes physical contact with both the terminal and the portable device; and a biometric sensor, wherein the portable device is configured to; remain in a low-powered stand-by mode until a data signal is received by the over skin receiver; receive a data signal comprising the connection code by the over skin receiver; transition to an active mode when the data signal is received; determine a terminal identification class from the received connection code; obtain, using the biometric sensor, biometric data for the user of the portable device; determine whether the user of the portable device is an authorized user; and when the user of the portable device is the authorized user; establish communication with the terminal using the radiofrequency transceiver based on the terminal identification class.
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Specification