Authorized sample receiver

• US 8,016,201 B2
• Filed: 12/07/2008
• Issued: 09/13/2011
• 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:
  US12/329,597
• Publication Number:
  US 20090119220A1
• Time in Patent Office: 1,010 Days
• Field of Search: 235/435, 235/487, 235/379, 235/380, 235/382, 235/449, 235/451, 340/572.1, 340/5.52, 340/5.82, 340/5.41, 705/64, 705/67, 705/75, 705/76, 705/26.1, 705/41
• US Class Current: 235/487
• CPC Class Codes: G06F 18/00 Pattern recognition
• 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 20/14 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 20/326 Payment applications installed on the mobile 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 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0225 : Avoiding frauds
• CPC Class Codes: G06V 40/10 : Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
• CPC Class Codes: G06V 40/14 : Vascular patterns
• CPC Class Codes: G06V 40/40 : Spoof detection, e.g. liveness detection
• 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 9/28 : 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 7/025 : by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• 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: G07G 1/14 : Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• CPC Class Codes: H04L 2209/56 : Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 : Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• 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

In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request.

Claims

1. A biometric sample data receiver, comprising:

a database configured to associate registered biometric sample data with a radio frequency (RF) device identification code; and

a communications device configured to receive a transaction request from an RF device, wherein the transaction request is configured to comprise a transaction value, transaction biometric sample data, a reload protocol update request, and the RF device identification code, wherein the transaction request is configured to be authorized, in response to the transaction biometric sample data substantially matching the registered biometric sample data, and wherein the transaction value is configured to be deducted from a preloaded value data file associated with the RF device identification code;

wherein a reload protocol data file is configured to be associated with the device identification code, wherein the reload protocol data file is configured to comprise a reload criteria, wherein the preloaded value data file is configured to be updated in accordance with the reload protocol data file, and wherein the reload criteria is configured to be updated in accordance with the reload protocol update request.

2. The biometric sample data receiver of claim 1, wherein the communications device is configured to receive activation biometric sample data associated with the RF device identification code to facilitate activation of the RF device, in response to the activation biometric sample data substantially matching the registered biometric sample data.

3. The biometric sample data receiver of claim 1, wherein the communications device comprises at least one of a network interface, a wireless communications device, a wired communications device, or an RF identification reader.

4. The biometric sample data receiver of claim 1, wherein the preloaded value data file comprises a monetary value greater than zero configured to be preloaded into the preloaded value data file, prior to usage of the RF device.

5. The biometric sample data receiver of claim 4, wherein the transaction value is configured to be compared to the monetary value.

6. The biometric sample data receiver of claim 1, wherein a portion of the transaction value is configured to be retrieved from the preloaded value data file, and wherein the communications device is further configured to provide a transaction approved message and the portion of the transaction amount to a merchant system.

7. The biometric sample data receiver of claim 1, wherein the transaction value is configured to be retrieved from the preloaded value data file, and wherein the communications device is further configured to provide a transaction approved message and the transaction value to a merchant system.

8. The biometric sample data receiver of claim 1, wherein at least a portion of the transaction value is configured to be deducted from the preloaded value data file.

9. The biometric sample data receiver of claim 1, further comprising a biometric sensor configured to sense a biometric sample to create the transaction biometric sample data.

10. The biometric sample data receiver of claim 1, wherein the registered biometric sample data is associated with a biometric sample of a user of the RF device.

11. The biometric sample data receiver of claim 1, wherein the communications device is configured to communicate with at least one of a local database, a remote database, a portable storage device, a host system, an issuer system, a merchant system, a fob issuer system, an employer, a financial institution, a non-financial institution, a loyalty point provider, a company, a military, a government, a school, a travel entity, a transportation authority, or a security company.

12. A biometric sample data receiver, comprising:

means for associating registered biometric sample data with a radio frequency (RF) device identification code; and

means for receiving a transaction request from an RF device, wherein the transaction request is configured to comprise a transaction value, transaction biometric sample data, a reload protocol update request, and the RF device identification code, wherein the transaction request is configured to be authorized in response to the transaction biometric sample data substantially matching the registered biometric sample data, and wherein the transaction value is configured to be deducted from a preloaded value data file associated with the RF device identification code;

wherein a reload protocol data file is configured to be associated with the device identification code, wherein the reload protocol data file is configured to comprise a reload criteria, wherein the preloaded value data file is configured to be updated in accordance with the reload protocol data file, and wherein the reload criteria is configured to be updated in accordance with the reload protocol update request.

13. The biometric sample data receiver of claim 12, further comprising means for receiving verification biometric sample data associated with the RF device identification code.

14. The biometric sample data receiver of claim 13, further comprising means for activating the RF device in response to verification of the verification biometric sample data.

15. The biometric sample data receiver of claim 13, further comprising means for storing the registered biometric sample data in response to verification of the verification biometric sample data.

16. The biometric sample data receiver of claim 12, further comprising means for sensing a biometric sample to create the transaction biometric sample data, wherein the biometric sample is associated with a user of the RF device.

17. The biometric sample data receiver of claim 12, further comprising means for comparing the transaction value to a monetary value, wherein the preloaded value data file comprises the monetary value.

18. The biometric sample data receiver of claim 12, further comprising means for retrieving at least a portion of the transaction value from the preloaded value data file.

19. The biometric sample data receiver of claim 12, further comprising means for providing a transaction approved message and at least a portion of the transaction value to a merchant.

20. A biometric sample data receiver including a non-transitory computer-readable medium having instructions stored thereon that, in response to execution by the biometric sample data receiver, cause the biometric sample data receiver to perform a operations comprising:

associating registered biometric sample data with a radio frequency (RF) device identification code;

receiving a transaction request from an RF device, wherein the transaction request comprises a transaction value, transaction biometric sample data, a reload protocol update request, and the RF device identification code; and

authorizing the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data, wherein the transaction value is configured to be deducted from a preloaded value data file associated with the RF device identification code, wherein a reload protocol data file is configured to be associated with the device identification code, wherein the reload protocol data file is configured to comprise a reload criteria, wherein the preloaded value data file is configured to be updated in accordance with the reload protocol data file, and wherein the reload criteria is configured to be updated in accordance with the reload protocol update request.