System for biometric security using a fob

• US 7,988,038 B2
• Filed: 09/06/2007
• Issued: 08/02/2011
• 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: Saunders, Peter D, Montgomery, Joshua L, Larkin, Carl, Gray, William J, Fields, Seth W, Bonalle, David S, Beenau, Blayn W
• Primary Examiner(s): WALSH, DANIEL I
• Application Number:
  US11/850,796
• Publication Number:
  US 20100030633A1
• Time in Patent Office: 1,426 Days
• Field of Search: 235379-381, 235/487, 235/492, 235/493, 340/5.52, 340/5.82, 340/5.8, 340/5.81, 340/5.6, 340/5.4, 340/572.1, 705/43, 705/64, 705/67, 705/75, 902/3, 902/8, 902/22, 902 24- 30
• US Class Current: 235/379
• CPC Class Codes: G01D 21/00 Measuring or testing not otherwise provided for
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 2221/2107 File encryption
• 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 20/1085 involving automatic teller machines [ATMs]
• 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 20/321 using wearable 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 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0215 : Including financial accounts
• CPC Class Codes: G07C 9/247 : electronically, e.g. by comparing signal of hand-writing with a reference signal from the pass
• 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 9/27 : with central registration
• 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 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 63/0861 : using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/0869 : for achieving mutual authentication cryptographic mechanisms or cryptographic arrangements for mutual authentication H04L9/3273
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

The present invention discloses a system and methods for biometric security using 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. The device for verifying samples compares the biometric samples with information stored on databases.

Claims

1. A method comprising:

determining, at a transaction processing system, that a radio frequency (RF) transaction value exceeds a preloaded value associated with an RF device, wherein the RF device is first authenticated prior to the transaction processing system receiving a transaction request with the RF transaction value;

requesting, by the transaction processing system, a secondary authentication via biometric verification in response to receiving the transaction request and in response to the transaction request being outside of a usage restriction; and

supplementing, at the transaction processing system, the preloaded value in accordance with a reload protocol, in response to the RF transaction value exceeding the preloaded value.

2. The method of claim 1, wherein the supplementing the preloaded value comprises adding a reload value to the preloaded value in accordance with the reload protocol.

3. The method of claim 1, wherein the usage restriction is at least one of a time of day use or a certain merchant use.

4. The method of claim 1, wherein the usage restriction is at least one of a per purchase spending limit or a minimum depletion value associated with the preloaded value.

5. The method of claim 1, further comprising automatically supplementing the preloaded value in response to the preloaded value being below a threshold level and in response to the biometric verification.

6. The method of claim 2, further comprising:

funding the preloaded value from a first funding source; and

funding the reload value from at least one of the first funding source or a second funding source.

7. The method of claim 6, wherein the funding the reload value is apportioned between the first funding source and the second funding source.

8. The method of claim 1, further comprising selecting the reload protocol in response to the RF transaction being at least one of:

a purchase exceeding a preset number of transactions;

a purchase exceeding an established per purchase spending limit;

or

a purchase comprising use of non-monetary funds.

9. The method of claim 1, further comprising selecting the reload protocol in response to the RF transaction being at least one of:

a purchase exceeding a minimum transaction amount;

or

a purchase exceeding a maximum number of transactions within a time period.

10. The method of claim 1, further comprising selecting the reload protocol in response to the RF transaction being at least one of:

a purchase conducted by certain merchants;

a purchase exceeding a temporal limitation;

or

a purchase exceeding a geographic limitation.

11. The method of claim 1, wherein a biometric sample is proffered at least one of the RF device or an RF Identification (RFID) reader, and wherein the biometric sample is used to generate first biometric sample data for the biometric verification.

12. The method of claim 1, further comprising verifying second biometric sample data.

13. The method of claim 12, further comprising funding at least a portion of the preloaded value from a funding source associated with the second biometric sample data.

14. The method of claim 12, further comprising overriding an RF transaction limitation in response to the verifying the second biometric sample data.

15. The method of claim 12, wherein a first transaction limit is associated with the first biometric sample data, and wherein a second transaction limit is associated with the second biometric sample data.

16. The method of claim 11, wherein the verification of the first biometric sample data is performed by a third party.

17. The method of claim 1, further comprising associating specific biometric sample data with a specific RF transaction limitation.

18. The method of claim 1, further comprising:

receiving, at the transaction processing system, an RF device identification code associated with the RF device; and

selecting the reload protocol from a plurality of reload protocols in response to the RF device identification code.

19. The method of claim 1, further comprising providing incentives to a user account associated with the RF device in response to the supplementing the preloaded value.

20. The method of claim 1, further comprising storing the preloaded value at least one of the RF device, the transaction processing system, or a third party.

21. The method of claim 1, wherein the supplementing the preloaded value occurs in real-time.

22. The method of claim 11, wherein the first biometric sample data comprises 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.

23. A processing system, comprising:

a database comprising a reload protocol associated with a radio frequency (RF) device;

a processor configured to determine that an RF transaction value exceeds a preloaded value associated with the RF device, wherein the RF device is first authenticated prior to the processing system receiving a transaction request with the RF transaction value; and

a communication device configured to request a secondary authentication via biometric verification in response to receiving the transaction request and in response to the transaction request being outside of a usage restriction;

wherein the processing system, in accordance with the reload protocol, is configured to supplement the preloaded value in response to the RF transaction value exceeding the preloaded value.

24. A tangible, non-transitory computer-readable medium having instructions stored thereon that, in response to execution by a processor, cause the computing device to perform operations comprising:

determining, at a transaction processing system, that a radio frequency (RF) transaction value exceeds a preloaded value associated with an RF device, wherein the RF device is first authenticated prior to the transaction processing system receiving a transaction request with the RF transaction value;

requesting, by the transaction processing system, a secondary authentication via biometric verification in response to receiving the transaction request and in response to the transaction request being outside of a usage restriction; and

supplementing, at the transaction processing system, the preloaded value in accordance with a reload protocol, in response to the RF transaction value exceeding the preloaded value.