Receiving fingerprints through touch screen of CE device

• US 9,652,760 B2
• Filed: 10/19/2016
• Issued: 05/16/2017
• Est. Priority Date: 09/23/2014
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Zustak, Frederick J., Candelore, Brant, Richman, Steven Martin
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US15/297,482
• Publication Number:
  US 20170039545A1
• Time in Patent Office: 209 Days
• Field of Search: 235379, 235380, 705 17, 705 18, 705 35
• CPC Class Codes: G06F 18/00 Pattern recognition
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 3/00 Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
• CPC Class Codes: G06F 3/0416 Control or interface arrangements specially adapted for digitisers
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06V 40/1318 using electro-optical elements or layers, e.g. electroluminescent sensing

Abstract

Fingerprints for transaction authentication are received through the touch screen of a bank customer'"'"'s CE device for purposes of approving or denying transactions with the customer'"'"'s electronic debit or credit card (“e-card”).

Claims

1. A device comprising:

at least one processor;

at least one camera to generate image information for access by the processor; and

at least one computer readable storage medium including instructions which when executed by the processor configure the processor to;

receive image information from the camera;

execute image recognition on the image information;

based at least in part on the image recognition, determine whether to authorize a financial transaction for a requested amount;

determine to authorize the financial transaction for the requested amount at least in part based on a determination that a consumer electronics (CE) device is within a threshold distance of a location at which the financial transaction is attempted; and

determine to authorize to no more than a threshold monetary amount less than the requested amount at least in part based on a determination that the CE device is not within the threshold distance of the location at which the financial transaction is attempted.

2. The device of claim 1, wherein the instructions when executed by the processor configure the processor to:

compare the image recognition to at least one prestored image;

determine whether the image recognition matches the prestored image;

responsive to determining the image recognition matches the prestored image, return a first signal; and

responsive to determining the image recognition does not match the prestored image, return a second signal.

3. The device of claim 2, wherein the first signal is used to indicate authorization and the second signal is used to indicate no authorization.

4. The device of claim 2, wherein the instructions when executed by the processor configure the processor to:

present a user interface (UI) with a prompt for a person to look at a location; and

responsive to returning the first signal, present on the display a message indicating successful image recognition.

5. The device of claim 1, wherein the transaction is via an electronic transaction card (e-card) associated with a person having an image matching the prestored image.

6. The device of claim 1, wherein the instructions when executed by the processor configure the processor to:

present a user interface (UI) allowing the customer to accept or decline the transaction.

7. The device of claim 1, wherein the instructions are executable to:

present on a display a user interface (UI) prompting a user to select a desired level of authentication protection for authenticating transactions, the UI including a “

none”

selector, selection of which permits future authentications using the CE device not to require a password, a “

password only”

selector, selection of which mandates that future authentications using the CE device must include entry of a correct password, and a “

password plus biometric”

selector, selection of which mandates that future authentications using the CE device must include entry of a correct password and entry of a correct biometric input.

8. Server, comprising:

at least one processor to access instructions on computer storage to configure the at least one processor for;

receiving an image from a camera;

determining whether the image matches a prestored image;

outputting a signal pertaining to a financial transaction for a requested amount responsive to a determination that the image matches the prestored image;

determine to authorize the financial transaction for the requested amount at least in part based on a determination that a portable consumer electronics (CE) device is within a threshold distance of a location at which the financial transaction is attempted; and

authorizing the financial transaction to no more than a threshold monetary amount at least in part based on a determination that the CE device is not within the threshold distance of the location at which the financial transaction is attempted.

9. The server of claim 8, wherein determining whether the image matches the prestored image comprises:

comparing the image to at least one prestored image;

determining whether the image matches the prestored image;

responsive to determining the image recognition matches the prestored image, returning a first signal; and

responsive to determining the image recognition does not match the prestored image, returning a second signal.

10. The server of claim 9, wherein the first signal is used to indicate authorization and the second signal is used to indicate no authorization.

11. The server of claim 9, wherein the instructions configure the processor for:

present a user interface (UI) with a prompt for a person to look at a location; and

responsive to returning the first signal, present on the display a message indicating successful image recognition.

12. Non-transitory computer readable storage medium (NTCRSM) including instructions executable by a processor to configure the processor to:

present a prompt for a person to look at a location for purposes of executing facial recognition of the person;

based at least in part on the facial recognition, determine whether to authorize a financial transaction for a requested amount;

determine to authorize the financial transaction for the requested amount at least in part based on a determination that a consumer electronic (CE) device is within a threshold distance of a location at which the financial transaction is attempted; and

determine to authorize the financial transaction only up to a threshold monetary amount at least in part based on a determination that the device is not within the threshold distance of the location at which the financial transaction is attempted.

13. The NTCRSM claim 12, wherein the instructions when executed by the processor configure the processor to:

compare the facial recognition to at least one prestored image;

determine whether the facial recognition matches the prestored image;

responsive to determining the facial recognition matches the prestored image, return a first signal; and

responsive to determining the facial recognition does not match the prestored image, return a second signal, wherein the first signal is used to indicate authorization and the second signal is used to indicate no authorization.

14. The NRCRSM of claim 12, wherein the transaction is via an electronic transaction card (e-card) associated with a person having facial image matching the prestored image, and the CE device is a wireless mobile telephone.

15. The non-transitory computer readable storage medium of claim 12, wherein the instructions are executable to:

determine to authorize the financial transaction at least in part based on a determination that the CE device is within a threshold distance of a location at which the financial transaction is attempted.

16. The NTCRSM of claim 12, wherein the instructions are executable to:

determine to authorize the financial transaction at least in part based on a determination that the device is within a threshold distance of a terminal at which the financial transaction is attempted.

17. The NTCRSM of claim 12, wherein the instructions are executable to:

based at least in part on a location of a device associated with a user from which the Image recognition was received, determine whether to authorize a financial transaction.

18. The NTCRSM of claim 12, wherein the instructions are executable to:

responsive to the determination to authorize the financial transaction only up to the threshold monetary amount, provide a notification at a display of the CE device that the financial transaction is authorized only up to the threshold monetary amount.