Smart apparatus for making secure transactions

• US 8,011,593 B2
• Filed: 03/17/2008
• Issued: 09/06/2011
• Est. Priority Date: 03/15/2007
• Status: Expired due to Fees

• Current Assignee: Patent Zero, LLC
• Original Assignee: Dominic Joseph Preta, Isaiah Monty Simmons, Joseph Frank Preta, William Monty Simmons
• Inventors: Preta, Joseph Frank, Preta, Dominic Joseph, Simmons, William Monty, Simmons, Isaiah Monty
• Primary Examiner(s): Kim; Ahshik
• Application Number:
  US12/050,141
• Publication Number:
  US 20080223937A1
• Time in Patent Office: 1,268 Days
• Field of Search: 235/492, 235/380, 235/451
• US Class Current: 235/492
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/81 by operating on the power supply, e.g. enabling or disabling power-on, sleep or resume operations
• CPC Class Codes: G06F 21/83 input devices, e.g. keyboards, mice or controllers thereof
• CPC Class Codes: G06K 19/073 Special arrangements for circuits, e.g. for protecting identification code in memory protection against unauthorised use of computer memory G06F12/14
• CPC Class Codes: G06K 19/07354 by biometrically sensitive means, e.g. fingerprint sensitive fingerprint sensors in general G06V40/12; biometrically activated access control G07C9/25
• CPC Class Codes: G07C 9/21 having a variable access code
• 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

Abstract

The disclosed invention relates to an apparatus and method for making secured transactions. Such an apparatus may include a smart card device configured with a display for display a static or dynamic number for making a secured transaction. The display is configured to display a valid card number after the user'"'"'s identify has been verified using a biometric verification process. The device may further comprise a programmable magnetic strip that is programmed with user data after the user'"'"'s identify has been verified. The apparatus may further include a cloning process to allow a second device to perform secure transactions. One such second device is a smart module associated with a vehicle.

Claims

1. A smart device having a dynamic number, said smart device comprising:

a housing, said housing comprising a first surface and an opposing second surface;

a processing device disposed between said first surface and said second surface and operatively associated with at least one memory, wherein said at least one memory is configured for storing at least one of an operating system, an application program, and data;

wherein said data includes a numerical representation for a stored bio-sample, said stored bio-sample representing the enrolment bio-sample for a device-owner;

a display device configured for displaying information, said display device operatively associated with said processing device;

a receiver operatively associated with the processing device and configured for receiving data from an external device;

a power source electrically associated with the processing device, memory, display device, and receiver;

wherein said receiver is configured to receive a data signal from an external device associated with a biosensor associated with a card user, said data signal comprising a numerical representation of a real time bio-sample of said user;

wherein the processing device is configured compare one of the processed and unprocessed data signal to the digital representation of the stored bio-sample and generate security data based on the comparison;

wherein said security data comprises one of an ID valid flag and an ID invalid flag, wherein a ID valid flag is generated when the numerical representations of the two bio-samples are determined to be equivalent and wherein an ID invalid flag is generated when the numerical representations of the two bio-samples are determined not to be equivalent;

wherein said processing device is further configured to calculate a dynamic number using a constant value and a dynamic value when an ID valid flag is generated;

wherein the dynamic number is valid for a predetermined period of time; and

wherein said display device is activated to display the generated dynamic number for at least part of said predetermined period of time.

2. A smart device having a dynamic number as in claim 1, wherein said processing device is configured to activate a cloning routine upon at least one of (a) user request, and (b) receiving a clone request from an external device.

3. A smart device having a dynamic number as in claim 1, further comprising a bio-scanner electrically associated with said processing device and said power source, said bio-scanner configured to sample a user biological attribute.

4. A smart device having a dynamic number as in claim 3, further comprising a status indicator configured to generate a status signal reflective of a card state.

5. A smart device having a dynamic number as in claim 4, wherein said status indicator is one of (a) an light source, and (b) a sound generator.

6. A smart device having a dynamic number as in claim 4, wherein at least a portion of at least one of said first surface and said second surface is composed of a light fiber associated with said processing device, said light fiber defining said light source.

7. A smart device for making secured transactions, said smart device comprising:

a housing comprising a first surface and an opposing second surface;

a processing device disposed between said first surface and said second surface, said processing device electrically associated with at least one of (a) onboard memory and (b) external memory disposed between said first surface and said second surface;

wherein said memory is configured to store smart device owner information;

a communication circuit at least partially disposed between said first surface and said second surface and electrically associated with said processing device and configured for transferring information;

a power circuit electrically associated with said processing device, said memory and said communication circuit, wherein said power circuit is at least one of (a) electrically associated with a power source disposed within said housing, and (b) configured for being inductively coupled to a power source external to said housing; and

wherein said processing device is configured to activate a cloning routine upon receiving a clone request over said communication circuit and wherein said cloning routine comprises transferring at least part of said smart device owner information to an external device.

8. A smart device for making secured transactions as in claim 7, wherein said memory is configured to store at least one enrolment bio-sample for at least one smart device owner and wherein said smart device further comprising a biosensor electrically associated with said processing device and configured to sample a user biological attribute to generate a real-time bio-sample and wherein said processing device is further configured to compare said real-time bio-sample with said at least one enrolment bio-sample before activating said cloning routine.

9. A smart device for making secured transactions as in claim 7, wherein at least a portion of at least one of said first surface and said second surface is composed of a light fiber defining an visual-generator, said visual-generator associated with said processing device.

10. A smart device for making secured transactions as in claim 9, wherein said processing device is at least one of:

(a) configured to request a real-time bio-sample and compare said real-time bio-sample to an enrolment biosample stored in said memory when a clone request is received, and (b) configured to compare a real-time bio-sample received with a clone request to an enrolment biosample stored in said memory before transferring cloning data.

11. A smart device for making secured transactions as in claim 10, wherein said processing device is configured to use said visual-generator to generate a status signal to indicate the result of a real-time bio-sample and enrolment bio-sample comparison.

12. A smart device for making secured transactions as in claim 10, further comprising a sound-generator electrically associated with said processing device and wherein said processing device is configured to use said sound- generator to generate a status signal to indicate the result of a real-time bio-sample and enrolment bio-sample comparison.

13. A smart device for making secured transactions as in claim 7, wherein one of said first surface and said second surface defines a display, said display electrically associated with said processing device, said display configured to display at least one of:

(a) a user photo, (b) a card number, and (c) a background image.

14. A smart device for making secured transactions as in claim 7, further comprising a programmable magnetic strip emulator (PMSE) electrically associated with said processing device, said processing device configured to activate and deactivated said PMSE according to predefined PMSE activation criteria.

15. A smart device for making secured transactions as in claim 14, wherein said PMSE comprises magnetic elements that form three tracks, each track being about 0.110 inches wide and configured for a storage density of about 210 bits per inch.

16. A smart device for making secure financial transactions, said smart device comprising:

a housing;

a processing device disposed within said housing, said processing device, electrically associated with at least one of (a) onboard memory and (b) external memory, wherein said memory is configured for storing at least one of an operating system, an application program, and data;

wherein said data includes authorized user-data comprising a number and at least one enrolment bio-sample for at least one authorized user;

a bio-sensor mechanically associated with said housing and electrically associated with said processing device, said bio-sensor configured to sample a user biological attribute to generate a real-time bio-sample;

a communication circuit at least partially disposed within said housing and electrically associated with said processing device and configured for transferring information between said processing device and an external device;

a power circuit electrically associated with said processing device, said memory, said bio-sensor and said communication circuit, wherein said power circuit is at least one of (a) electrically associated with a power source disposed within said housing, and (b) configured for being inductively coupled to a power source external to said housing; and

wherein said processor is configured to transfer transaction-data to said external device using said communication circuit when a user provides a real-time bio-sample that matches the enrolment bio-sample for an authorized user.

17. A smart device for making secure financial transactions as in claim 16, wherein said external device is a control module of a vehicle and wherein the secured transaction is a purchase and wherein said transaction-data is transferred by said control module so that the control module can authorize said purchase by transferring at least part of said transaction-data to a device external to said vehicle.

18. A smart device for making secure financial transactions as in claim 17, wherein said transaction-data comprises data used by said control module required to activate said vehicle.

19. A smart device for making secure financial transactions as in claim 16, wherein said communication circuit is configured for being electrically associated with an vehicle-control-module configured for securing a vehicle, wherein said transaction-data comprising a code for at least one of (a) enabling said vehicle, (b) unlocking said vehicle, (c) starting said vehicle, and (d) making a purchase via the vehicle-control-module, said processing device further configured to transfer said transaction-data to said vehicle-control-module via said communication circuit.

20. A smart device for making secure financial transactions as in claim 19, wherein said communication circuit is configured for being electrically associated with a control-module associated with a barrier configured for allowing an preventing access to a secured area , said transaction-data comprising a barrier-code configured to cause said control-module to remove said barrier, said processing device further configured to transfer said transaction-data to said control-module via said communication circuit.