System and method of a smartcard transaction with biometric scan recognition
First Claim
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1. A system comprising:
- a smartcard comprising an integrated circuit device, the integrated circuit device having encoded therein information associated with a plurality of account users, wherein the smartcard further comprises an interface for communication with point of sale terminals, wherein the smartcard further comprises a biometric scan sensor configured to detect biometric scan samples, and wherein the smartcard is configured to;
store biometric sample information for the plurality of account users;
store encrypted account data associated with the plurality of account users;
in response to a requested transaction by a particular one of the plurality of account users, request a biometric sample from the particular account user;
detect a proffered biometric scan sample from the particular account user;
identify the particular account user by comparing the detected biometric scan sample to the stored biometric sample information for the particular account user;
use the detected biometric scan sample as a cryptographic key to decrypt the encrypted account data associated with the particular account user; and
perform, according to information contained in the decrypted account data, operations associated with the requested transaction.
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Abstract
A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
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Citations
20 Claims
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1. A system comprising:
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a smartcard comprising an integrated circuit device, the integrated circuit device having encoded therein information associated with a plurality of account users, wherein the smartcard further comprises an interface for communication with point of sale terminals, wherein the smartcard further comprises a biometric scan sensor configured to detect biometric scan samples, and wherein the smartcard is configured to; store biometric sample information for the plurality of account users; store encrypted account data associated with the plurality of account users; in response to a requested transaction by a particular one of the plurality of account users, request a biometric sample from the particular account user; detect a proffered biometric scan sample from the particular account user; identify the particular account user by comparing the detected biometric scan sample to the stored biometric sample information for the particular account user; use the detected biometric scan sample as a cryptographic key to decrypt the encrypted account data associated with the particular account user; and perform, according to information contained in the decrypted account data, operations associated with the requested transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method comprising:
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receiving, via an interface for communication with point of sale terminals, by a smartcard that includes an integrated circuit device having encoded therein information associated with a plurality of account users, a request for a transaction based on a smartcard that is associated with a plurality of account users; storing, by the smartcard, biometric sample information for the plurality of account users; storing, by the smartcard, encrypted account data associated with the plurality of account users; requesting, by the smartcard, a biometric sample from a particular one of the plurality of account users; detecting, via a biometric scan sensor of the smartcard, a proffered biometric scan sample from the particular account user; identifying, by the smartcard, the particular account user by comparing the detected biometric scan sample to the stored biometric sample information for the particular account user; using, by the smartcard, the detected biometric scan sample as a cryptographic key to decrypt the encrypted account data associated with the particular account user; and performing, by the smartcard, according to information contained in the decrypted account data, operations associated with the requested transaction. - View Dependent Claims (14, 15, 16, 17, 18, 19)
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20. An article of manufacture including a non-transitory, computer readable medium having instructions stored thereon that, in response to execution by an integrated circuit of a smartcard, cause the integrated circuit of the smartcard to perform operations comprising:
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receiving, via an interface for communication with point of sale terminals, a request for a transaction involving the smartcard, wherein the smartcard includes information associated with a plurality of account users, and wherein the transaction is requested by a particular one of the plurality of account users; storing biometric sample information for the plurality of account users; storing encrypted account data associated with the plurality of account users; requesting a biometric sample from the particular account user; detecting, via a biometric scan sensor of the smartcard, a proffered biometric scan sample from the particular account user; identifying the particular account user by comparing the detected biometric scan sample to the stored biometric sample information for the particular account user; using the detected biometric scan sample as a cryptographic key to decrypt the encrypted account data associated with the particular account user; and performing, according to information contained in the decrypted account data, operations associated with the requested transaction.
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Specification