Secure commercial transactions system

• US 8,152,059 B2
• Filed: 01/21/2009
• Issued: 04/10/2012
• Est. Priority Date: 10/26/2004
• Status: Active Grant

• Current Assignee: John T. Sparks
• Original Assignee: John T. Sparks
• Inventors: Sparks, John T.
• Primary Examiner(s): Hess, Daniel
• Application Number:
  US12/357,047
• Publication Number:
  US 20090184164A1
• Time in Patent Office: 1,175 Days
• Field of Search: 235/379, 235/380, 235/382
• US Class Current: 235/382
• CPC Class Codes: G06Q 10/0637 Strategic management or analysis, e.g. setting a goal or target of an organisation; Planning actions based on goals; Analysis or evaluation of effectiveness of goals
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• 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 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G07F 7/0806 Details of the card record carriers per se G06K
• CPC Class Codes: G07F 7/0826 Embedded security module
• 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: G07F 7/1025 Identification of user by a PIN code

Abstract

A secure financial transactions system. The system generally includes a card that can be used a credit card, ATM card or debit card having a personal identification number (PIN) that can include a panic digit or panic PIN. The panic digit or panic PIN can be used to begin an emergency notification sequence including sending emergency signals and video transmissions from the commercial transactions machine. The card can include several biometric devices as well as financial transaction records. The card can include data to interact with data gathered from biometric devices on the ATM or POP devices. The card can then be interfaced with a personal computer. The card could also be made into other formats such as a ring, key chain, or other jewelry.

Claims

1. A secure commercial transaction system, comprising:

a transactional device, said transactional device having a form selected from the group of a card, a key fob, an article of jewelry, a lipstick, a face powder compact, a money clip, and a purse, said transactional device further comprising a microprocessor and data memory storage, and said transactional device further comprising a transmitter;

wherein operation of said transaction device requires user identification confirmation,

wherein said user identification confirmation requires a user input of either a first operational signal and a comparison of said user input with a first operational user identification data stored in said data memory storage on said transactional device for activation of a first operational mode, or user input of a second operational signal and comparison of said user input with a second operational user identification data stored in said data memory storage on said transactional device for activation of a second operation mode, and

wherein said second mode of said transactional device initiates a transmission of an automated transmission from said transmitter.

2. The secure commercial transaction system of claim 1, wherein said first operational user identification data is a first personal identification number and wherein said second operational identification data is a second personal identification number.

3. The secure commercial transaction system of claim 1, wherein said second operation mode of said transactional device initiates transmission of an automated emergency notification alert message to an emergency service provider.

4. The secure commercial transaction system of claim 3, wherein said emergency notification alert message further comprises descriptive identification data regarding the user of said transactional device.

5. The secure commercial transaction system of claim 1, wherein said automated transmission initiated by said second operation mode of said transactional device directs a camera at a location proximate said transaction device to function according to high resolution parameters.

6. The secure commercial transaction system of claim 1, wherein said automated transmission initiated by said second operation mode of said transactional device directs a camera at a location proximate said transactional device to retain image data in a protected format.

7. The secure commercial transaction system of claim 1, wherein said automated transmission initiated by said second operation mode of said transactional device directs a camera at a location proximate said transactional device to email image data to a remote location.

8. The secure commercial transaction system of claim 1, wherein said transactional device further comprises a biometric reader, and wherein said first operational user identification data is a first biometric data and wherein said second operational identification data is a second biometric data.

9. The secure commercial transaction system of claim 8, wherein said biometric reader is selected from the group consisting of an oxygen sensor, a pulse reader, a fingerprint reader, a retinal scanner, a genetic scanner, and a temperature reader.

10. The secure commercial transaction system of claim 1, wherein said transaction device further comprises a transmitter, and wherein said second mode of said transaction device initiates a transmission of an automated transmission from said transmitter.

11. The secure commercial transaction system of claim 1, wherein said transactional device is a card, and wherein said card further comprises no visible data.

12. The secure commercial transaction system of claim 1,

wherein said first operation mode of said transactional device enables a transaction, wherein data from said transaction is stored in said data memory storage of said transactional device, and wherein said data from said transaction is retrievable.

13. The secure commercial transaction system of claim 1, wherein said first operation mode of said transactional device enables a transaction, and wherein data from said transaction is transmitted via email.

14. The secure commercial transaction system of claim 1, wherein said transactional device is programmed to track use details relevant to facilitating direct marketing targeted to the user of the transactional device.

15. The secure commercial transaction system of claim 1, wherein said transactional device is adapted for operative direction of a transaction utilizing a platform selected from the group consisting of a commercial transaction machine, an automated teller machine, a point of purchase machine, a transaction site personal computer, a vehicle broadcast reception device, and a handheld card reader device.

16. The secure commercial transaction system of claim 1, wherein said transactional device is adapted for wireless remote transactional communication and operation.

17. The secure commercial transaction system of claim 1, further comprising a receiver and transmitter device functionally related to said transactional device, wherein said second operation mode of said transactional device initiates a transmission from said transactional device to said related receiver and transmitter device, wherein said receiver and transmitter device broadcasts an automated emergency notification alert message.

18. The secure commercial transaction system of claim 1, wherein said transmission is selected from the group consisting of global positioning signal, cellular telephone signal, and a half-duplex transmitter broadcast in FM band.

19. The secure commercial transaction system of claim 1, wherein said commercial transaction is selected from the group consisting of a tracking transaction for location of an individual or vehicle and a medical transaction.

20. The secure commercial transaction system of claim 1, wherein after a transaction according to said second operation mode, said transactional device is rendered inoperable.

21. The secure commercial transaction system of claim 1, wherein said transactional device further comprises a plurality of credit card account'"'"'s data, and wherein a transaction is selectively related to one of said plurality of credit card accounts.

22. A secure commercial transaction system of claim 11, comprising:

a transactional device, said transactional device having a form selected from the group of a card, a key fob, an article of jewelry, a lipstick, a face powder compact, a money clip, and a purse, and said transactional device further comprising a microprocessor and data memory storage;

wherein operation of said transaction device requires user identification confirmation,

wherein said user identification confirmation requires a user input of either a first operational signal and a comparison of said user input with a first operational user identification data stored in said data memory storage on said transactional device for activation of a first operational mode, or user input of a second operational signal and comparison of said user input with a second operational user identification data stored in said data memory storage on said transactional device for activation of a second operation mode, and

wherein said first operation mode of said transactional device enables a transaction,

wherein data from said transaction is stored in said data memory storage of said transactional device,

wherein said data from said transaction is retrievable,

wherein said data from said transaction is also transmitted via email, and

wherein upon retrieval of said data from said transaction from said data memory storage of said transactional device, comparative assessment of both sets of transactional data may occur.