Universal secure registry

• US 9,947,000 B2
• Filed: 08/30/2017
• Issued: 04/17/2018
• Est. Priority Date: 03/16/2001
• Status: Expired due to Fees

• Current Assignee: Universal Secure Registry LLC
• Original Assignee: Universal Secure Registry LLC
• Inventors: Weiss, Kenneth P.
• Primary Examiner(s): Crawley, Talia F
• Application Number:
  US15/691,359
• Publication Number:
  US 20170364891A1
• Time in Patent Office: 230 Days
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• 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 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: H04L 2463/102 applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/105 Multiple levels of security
• CPC Class Codes: Y10S 707/99931 Database or file accessing
• CPC Class Codes: Y10S 707/99933 Query processing, i.e. searching
• CPC Class Codes: Y10S 707/99939 Privileged access

Abstract

An authentication system and method of use thereof are provided to authenticate a user involved in a transaction. The system comprises a communications interface configured to receive a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at the point of use of the electronic device, and one or more processors configured to retrieve account information associated with a user of the electronic device, wherein the account information is retrieved in response to receiving the one-time code, and to use the retrieved account information to access account identifying information or identifying information associated with the user of the electronic device.

Claims

1. An authentication system to authenticate a user involved in a transaction, the system comprising:

a communications interface configured to receive a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at the point of use of the electronic device; and

one or more processors configured to retrieve account information associated with a user of the electronic device, wherein the account information is retrieved in response to receiving the one-time code, and to use the retrieved account information to access account identifying information or identifying information associated with the user of the electronic device.

2. The system of claim 1 wherein the one-time code comprises a code associated with credit or bank card information of the user.

3. The system of claim 2 wherein the code associated with credit or bank card information does not contain the credit or bank card information.

4. The system of claim 1 wherein the one-time code is selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and wherein the one or more processors are configured to decrypt the one-time code after the one-time code is received by the communications interface.

5. The system of claim 1 wherein the one-time code is associated with a public identification code for a credit or bank card account, and wherein the public identification code for the credit or bank card account is received by a credit or bank card issuer to enable the transaction.

6. The system of claim 1 further comprising a database including secure data for a plurality of users, wherein the one or more processors are configured to determine access privileges to at least a portion of the secure data based on the received one-time code.

7. The system of claim 1 wherein the biometric information comprises fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information.

8. A method for authenticating a user involved in a transaction using a computer system, the method comprising:

receiving a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at a point of use of the electronic device; and

in response to receiving the one-time code, accessing account identifying information or user identifying information associated with the user of the electronic device.

9. The method of claim 8 wherein the one-time code comprises a code associated with credit or bank card information of the user.

10. The method of claim 9 wherein the code associated with credit or bank card information does not contain the credit or bank card information.

11. The method of claim 8 wherein the one-time code is selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and the method further comprising decrypting the received one-time code.

12. The method of claim 8 wherein the one-time code is associated with a public identification code for a credit or bank card account, and the method further comprising receiving the public identification code for the credit or bank card account by a credit or bank card issuer to enable the transaction.

13. The method of claim 8 further comprising storing secure data for a plurality of users, and determining access privileges to at least a portion of the secure data based on the received one-time code.

14. The method of claim 8 wherein the biometric information comprises fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information.

15. A computer readable medium or media containing instructions for authenticating a user involved in a transaction, wherein execution of the instructions by one or more processors of a computer system causes the one or more processors to carry out the steps of:

receiving a one-time code generated by an electronic device, wherein the one-time code is generated by an electronic device responsive to successful verification of biometric information at a point of use of the electronic device; and

in response to receiving the one-time code, accessing account identifying information or user identifying information associated with the user of the electronic device.

16. The computer readable medium or media of claim 15, wherein the one-time code comprises a code associated with credit or bank card information of the user.

17. The computer readable medium or media of claim 16, wherein the code associated with credit or bank card information does not contain the credit or bank card information.

18. The computer readable medium or media of claim 15, wherein the one-time code is selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and wherein execution of the instructions by the one or more processors of the computer system causes the one or more processors to carry out the step of decrypting the received one-time code.

19. The computer readable medium or media of claim 15, wherein the one-time code is associated with a public identification code for a credit or bank card account, and wherein execution of the instructions by the one or more processors of the computer system causes the one or more processors to carry out the step of receiving the public identification code for the credit or bank card account by a credit or bank card issuer to enable the transaction.

20. The computer readable medium or media of claim 15, wherein execution of the instructions by the one or more processors of the computer system causes the one or more processors to carry out the step of:

storing secure data for a plurality of users and determining access privileges to at least a portion of the secure data based on the received one-time code.

21. The computer readable medium or media of claim 15, wherein the biometric information comprises fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information.

22. A method for enabling a transaction involving a first party and a user, the method comprising:

receiving authentication information of the user, wherein the authentication information comprises one or more of (a) biometric information and (b) a PIN or code;

authenticating an identity of the user based on the received authentication information;

generating a one-time code in response to authenticating the user, wherein at least a portion of the one-time code is used to access account identifying information or user identifying information;

communicating a signal comprising the one-time code to the first party in order to enable a transaction on behalf of the user;

receiving, at the first party, the one-time code; and

in response to receiving the one-time code, accessing the account identifying information or the user identifying information.

23. The method of claim 22 wherein communicating the signal comprising the one-time code to the first party comprises communicating a signal comprising the one-time code to a merchant or a credit card company.

24. The method of claim 22 wherein generating the one-time code comprises generating a code that is associated with credit or bank card information of the user.

25. The method of claim 24 wherein generating the code associated with credit or bank card information comprises generating a code that does not contain the credit or bank card information.

26. The method of claim 22 wherein generating the one-time code comprises generating a one-time code selected from the group consisting of a one-time nonpredictable code, a time variant code, and a transaction-specific code, and the method further comprising encrypting the one-time code before communicating the signal to the first party.

27. The method of claim 22 wherein generating the one-time code comprises generating a one-time code associated with a public identification code for a credit or bank card account, and wherein the public identification code for the credit or bank card account is communicated to a credit or bank card issuer to enable the trans action.

28. The method of claim 22 further comprising receiving fingerprint information, voice print information, signature information, iris information, facial scan information, or DNA information from a biometric sensor and authenticating the identity of the user based on the received information from the biometric sensor and the PIN or code.