Biometric transaction system and method

• US 9,165,323 B1
• Filed: 12/10/2012
• Issued: 10/20/2015
• Est. Priority Date: 05/31/2000
• Status: Expired due to Fees

• Current Assignee: Open Invention Network LLC
• Original Assignee: Open Invention Network LLC
• Inventors: Lapsley, Philip D., Gioia, Philip J., Goff, Tennille V., Corwin, Daniel J., Kleeman, Michael
• Primary Examiner(s): Trammell, James
• Assistant Examiner(s): Malhotra, Sanjeev
• Application Number:
  US13/709,418
• Time in Patent Office: 1,044 Days
• Field of Search: 705/3, 705/44, 705/67, 705/75, 705/76, 702/104, 713/186, 715/811, 726/31, 379/145, 382/100, 382/115, 382/126, 340/426.19, 380/258, 235/492, 435/5
• US Class Current: 1/1
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition

Abstract

A system for enabling identity verification of an individual in a transaction between the individual and an entity that utilizes a data processing system, an entity device, and an individual device. The individual registers with the data processing system biometric data taken from the individual and data pertaining to an individual device. The entity registers with the data processing system entity identifying information. Once the individual and entity agree on a transaction, the entity notifies the data processing system of the pending transaction and requests verification of the individual'"'"'s identity. The individual communicates to the data processing system individual biometric data. The data processing system compares the biometric data from the individual with registered biometric data. The data processing system forwards a result of the comparison to the entity and upon a successful comparison, may forward any requested information regarding the individual to the entity.

Claims

1. A data processing system, the data processing system comprising:

an entity device that establishes a communication link;

wherein the entity device receives a request to verify the identity of an individual, wherein the request includes an individual device code that establishes a communication link with an individual device capable of biometric input;

wherein the individual device is identified via the individual device code;

wherein a communication link is established with the identified individual device wherein the individual is identified via biometric data;

wherein the biometric data is received from the individual via the individual device;

wherein individual registered biometric data associated with the individual device code is determined;

wherein the received biometric data is compared with the determined registered biometric data to produce a successful or failed comparison;

wherein via the established communication link with the entity device, the entity device is notified of a result of the comparison, wherein the result verifies or denies the identity of the individual; and

wherein the individual device code is one or more of a digital certificate, a Subscriber Identity Module code, a code for enabling short-range transmissions, a telephone number, an Electronic Serial Number, a mobile identification number, a hardware identification code, and an encryption of a challenge message using a private key.

2. The data processing system of claim 1, wherein the individual has additionally registered with the data processing center one or more of a name, an address, and an age.

3. The data processing system of claim 1, wherein the individual device is one or more of a portable device and a static device.

4. The data processing system of claim 1, wherein the individual device code is communicated via one or more of caller identification, hand-keying, voice recognition, and automated transmission.

5. The data processing system of claim 1, wherein the communications are established via one or more of a telephone call, three-way calling, induced three-way calling, packet switching, a data exchange, a face-to-face interaction, text messaging, the Internet, a local area network (LAN), a personal area network, a wireless local network (WLAN), a wide area network (WAN), a wireless personal network (WPAN), and Near Field Communication (NFC).

6. The data processing system of claim 1, wherein the communication link is established with the individual device comprises one or more of the data processing system contacts the individual device or the individual device contacts the data processing system.

7. The data processing system of claim 1, further comprising a request received from the entity device to return individual data to the entity device after a successful identification of the individual.

8. The data processing system of claim 7, wherein the entity device utilizes the requested individual data to conduct a financial transaction, perform an age verification, perform an identity verification, grant the individual physical access to a restricted area, grant the individual virtual access to a restricted area, conduct a ticket redemption, conduct an incentive transaction, or authorize a peer-to-peer transfer privilege.

9. The data processing system of claim 1, wherein the entity device is used by a second individual.

10. The data processing system of claim 9, wherein the individual and the second individual utilize the data processing system to conduct a peer-to-peer transaction.

11. A data processing system, the data processing system comprising:

an entity device;

a communication link established with the entity device;

wherein individual data stored in association with ID code is located, the individual data at least comprising biometric data and the ID code received via the established communication link with the entity device to verify the identity of the an individual;

wherein the ID code to facilitate communications with an individual device is utilized;

wherein an individual is prompted to present biometric data via the individual device;

wherein the presented biometric data is received; and

wherein, via the established communication link with the entity device, the identity of the individual to the entity device based on a successful match of received individual data to stored individual data is verified; and

wherein the ID code is one or more of a digital certificate, a Subscriber Identity Module code, a code for enabling short-range transmissions, a telephone number, an Electronic Serial Number, a mobile identification number, a hardware identification code, and an encryption of a challenge message using a private key.

12. The data processing system, of claim 11, wherein the entity device is used by another individual.

13. The data processing system, of claim 11, wherein the individual device is one or more of a portable device and a static device.

14. A system comprising:

one or more data stores that store data that one or more of an entity and an individual registers with a data processing system, the data at least comprising entity identifier data and entity device data and individual identifier data and individual device data, the individual identifier data including biometric data;

a biometric comparison mechanism that compares biometric data;

a linking mechanism that holds data that pertains to one or more of an entity request and an individual request; and

an execution module that communicates with one or more of an entity device and an individual device and retrieves data registered with the data processing system based upon a prompt provided via one or more of the entity device and the individual device.

15. The system of claim 14, wherein one or more of the entity device and the individual device communicates with the data processing system via a wireless communication system.

16. The system of claim 14, wherein the biometric data comprises a voice print, a fingerprint, a retinal image, an iris image, and a facial image.