Smart apparatus for making secure transactions
First Claim
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.
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Accused Products
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.
21 Citations
20 Claims
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1. A smart device having a dynamic number, said smart device comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A smart device for making secured transactions, said smart device comprising:
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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. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14, 15)
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16. A smart device for making secure financial transactions, said smart device comprising:
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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. - View Dependent Claims (17, 18, 19, 20)
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Specification