Methods and apparatus for conducting electronic transactions
First Claim
1. A method comprising:
- transmitting, by a computer-based system for conducting a transaction, a challenge to a client device having an intelligent token, wherein said intelligent token generates a challenge response that includes biometric data representing a biometric sample;
receiving, by said computer-based system, said challenge response;
verifying, by said computer-based system, said biometric data;
assembling, by said computer-based system and based on features of said biometric data, credentials in response to verifying said challenge response, wherein said assembled credentials include a key;
transmitting, by said computer-based system, said assembled credentials to said client device;
receiving, by said computer-based system, a request from said client device that includes at least a portion of said assembled credentials;
validating, by said computer-based system, said portion of said assembled credentials with said key of said assembled credentials; and
providing, by said computer-based system, access to a transaction service in response to said validating.
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Accused Products
Abstract
A system and method for facilitating electronic transactions using an intelligent instrument is disclosed. An authorization server enables users to obtain authorization credentials through the use of the intelligent instrument by issuing a challenge to an intelligent token of the intelligent instrument. The intelligent token generates a challenge response and transmits the challenge response to the authorization server, which assembles credentials including a key for the electronic transaction upon validating the response. The authorization server sends the assembled credentials to the intelligent instrument and the intelligent instrument transmits the assembled credentials to the authorization server during a subsequent transaction. The authorization server validates the assembled credentials and provides authorization for the transaction in response to the validating the assembled credentials.
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Citations
20 Claims
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1. A method comprising:
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transmitting, by a computer-based system for conducting a transaction, a challenge to a client device having an intelligent token, wherein said intelligent token generates a challenge response that includes biometric data representing a biometric sample; receiving, by said computer-based system, said challenge response; verifying, by said computer-based system, said biometric data; assembling, by said computer-based system and based on features of said biometric data, credentials in response to verifying said challenge response, wherein said assembled credentials include a key; transmitting, by said computer-based system, said assembled credentials to said client device; receiving, by said computer-based system, a request from said client device that includes at least a portion of said assembled credentials; validating, by said computer-based system, said portion of said assembled credentials with said key of said assembled credentials; and providing, by said computer-based system, access to a transaction service in response to said validating. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system for conducting a transaction, cause the computer-based system to perform operations comprising:
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transmitting, by said computer-based system, a challenge to a client device having an intelligent token, wherein said intelligent token generates a challenge response that includes biometric data representing a biometric sample; receiving, by said computer-based system, said challenge response; verifying, by said computer-based system, said biometric data; assembling, by said computer-based system and based on features of said biometric data, credentials in response to verifying said challenge response, wherein said assembled credentials include a key; transmitting, by said computer-based system, said assembled credentials to said client device; receiving, by said computer-based system, a request from said client device that includes at least a portion of said assembled credentials; validating, by said computer-based system, said portion of said assembled credentials with said key of said assembled credentials; and providing, by said computer-based system, access to a transaction service in response to said validating.
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20. A system comprising:
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a processor for conducting a transaction, a tangible, non-transitory memory configured to communicate with said processor, said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to perform operations comprising; transmitting, by said processor, a challenge to a client device having an intelligent token, wherein said intelligent token generates a challenge response that includes biometric data representing a biometric sample; receiving, by said processor, said challenge response; verifying, by said processor, said biometric data; assembling, by said processor and based on features of said biometric data, credentials in response to verifying said challenge response, wherein said assembled credentials include a key; transmitting, by said processor, said assembled credentials to said client device; receiving, by said processor, a request from said client device that includes at least a portion of said assembled credentials; validating, by said processor, said portion of said assembled credentials with said key of said assembled credentials; and
providing, by said processor, access to a transaction service in response to said validating.
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Specification