System and method for providing secure transactional solutions

• US 10,762,187 B2
• Filed: 03/16/2015
• Issued: 09/01/2020
• Est. Priority Date: 07/09/2002
• Status: Active Grant

• Current Assignee: Neology Incorporated (OEP Technologie BV)
• Original Assignee: Neology Incorporated (OEP Technologie BV)
• Inventors: Martinez de Velasco Cortina, Francisco, Rietzler, Manfred
• Primary Examiner(s): Patel, Neha
• Assistant Examiner(s): Oussir, El Mehdi
• Application Number:
  US14/659,502
• Publication Number:
  US 20150193766A1
• Time in Patent Office: 1,996 Days
• Field of Search: None
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/07758 arrangements for adhering the record carrier to further objects or living beings, functioning as an identification tag
• CPC Class Codes: G06K 19/0776 the adhering arrangement being a layer of adhesive, so that the record carrier can function as a sticker
• CPC Class Codes: G06K 19/07764 the adhering arrangement making the record carrier attachable to a tire tire temperature or pressur control arrangements, see B60C23/00
• CPC Class Codes: G06K 19/10 at least one kind of marking being used for authentication, e.g. of credit or identity cards verification of coded identity or credit cards in mechanisms actuated by them G07F7/12
• CPC Class Codes: G06K 7/0008 General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04W 12/00 Security arrangements; Authentication; Protecting privacy or anonymity
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/77 Graphical identity
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

The present invention provides a method and system for verifying and tracking transactional information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

Claims

1. A mobile device, comprising:

short range radio frequency (RF) circuitry;

memory configured to store biometric authentication information and payment information;

a biometric module configured to read biometric information;

an authentication module configured to determine whether the biometric information read by the biometric module corresponds to the biometric authentication information stored in memory; and

a secure module configured to;

generate a key when the biometric information read by the biometric reading device is determined by the authentication module to correspond to the biometric authentication information stored in memory;

encrypt the key and the payment information stored in memory; and

provide, via the short range RF circuitry, the encrypted key and payment information for use in a transaction.

2. The mobile device of claim 1, wherein the biometric module is configured to read biometric information provided by a user to complete the transaction.

3. The mobile device of claim 1, wherein the payment information is associated with a primary account number.

4. The mobile device of claim 1, wherein the secure module is configured to provide the encrypted key and payment information to a point of sale (POS) device.

5. The mobile device of claim 1, wherein the biometric authentication information is stored separately from the payment information.

6. The mobile device of claim 1, wherein the payment information is stored in a memory accessible only by the secure module.

7. The mobile device of claim 1, wherein the short range RF circuitry comprises a radio frequency identification (RFID) device.

8. A system, comprising:

a mobile device, comprising;

short range radio frequency (RF) circuitry;

memory configured to store biometric authentication information and payment information;

a biometric module configured to read biometric information;

an authentication module configured to determine whether the biometric information read by the biometric module corresponds to the biometric authentication information stored in memory; and

a secure module configured to;

generate a key when the biometric information read by the biometric reading device is determined by the authentication module to correspond to the biometric authentication information stored in memory;

encrypt the key and the payment information stored in memory; and

provide, via the short range RF circuitry, the encrypted key and payment information for use in a transaction; and

a point of sale (POS) device configured to;

receive, from the secure module, the encrypted key and payment information; and

transmit, to a central database, the encrypted key and payment information; and

a central database configured to validate the key and the payment information.

9. The system of claim 8, wherein the biometric module is configured to read biometric information provided by a user to complete the transaction.

10. The system of claim 8, wherein the payment information is associated with a primary account number.

11. The system of claim 8, wherein the POS device includes an RF reader.

12. The system of claim 8, wherein the biometric authentication information is stored separately from the payment information.

13. The system of claim 8, wherein the payment information is stored in a memory accessible only by the secure module.

14. The system of claim 8, wherein the short range RF circuitry comprises a radio frequency identification (RFID) device.

15. A method for secure transactions using a mobile device, comprising:

storing biometric authentication information and payment information in memory;

reading biometric information using a biometric reader;

determining whether the biometric information read by the biometric reader corresponds to the biometric authentication information stored in memory;

generating a key when the biometric information read by the biometric reader is determined to correspond to the biometric authentication information stored in memory;

encrypting the key and the payment information stored in memory; and

providing the encrypted key and payment information for use in a transaction.

16. The method of claim 15, further comprising reading biometric information provided by a user to complete the transaction.

17. The method of claim 15, wherein the payment information is associated with a primary account number.

18. The method of claim 15, further comprising providing the encrypted key and payment information to a point of sale (POS) device.

19. The method of claim 15, wherein the biometric authentication information is stored separately from the payment information.

20. The method of claim 15, wherein the payment information is stored in a memory accessible only by a secure module.

21. The method of claim 15, wherein the payment information is provided using a short range RF circuitry.