Method and apparatus for preventing an unauthorized transaction
First Claim
1. A method comprising:
- registering a first biometric data with a trusted entity;
sensing a second biometric data;
comparing the second biometric data to the first biometric data; and
preventing the registration of the second biometric data at the trusted entity as associated with an authorized user if the second biometric data does not match the first biometric data.
1 Assignment
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Accused Products
Abstract
A method, an apparatus, and a system that prevents an unscrupulous person from stealing the identity of another party and using the stolen identity to obtain a transaction device such as a biometric device that is configured to access, for example, a line of credit. In one aspect, a first biometric data of a party is registered (or stored) in a suitable manner with a trusted entity. The first biometric data may be fingerprint data, iris data, retinal data, voice data, or other suitable biometric information associated with a party. The trusted entity, for example, may be the party'"'"'s bank. A second biometric data (e.g., fingerprint data) is obtained from a person seeking financial credit. The person is prevented from registering a second biometric data (e.g., fingerprint data of the unscrupulous person) that does not match the first biometric data (e.g., fingerprint data of the originally registered individual). This prevents the unscrupulous person from stealing the identity of another party.
42 Citations
24 Claims
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1. A method comprising:
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registering a first biometric data with a trusted entity;
sensing a second biometric data;
comparing the second biometric data to the first biometric data; and
preventing the registration of the second biometric data at the trusted entity as associated with an authorized user if the second biometric data does not match the first biometric data. - View Dependent Claims (2, 3, 4, 5, 6)
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7. An article comprising:
a storage medium at a trusted entity including instructions stored thereon which when executed cause a digital system to perform a method including;
registering a first biometric data of a user with the trusted entity;
sensing a second biometric data from a person;
comparing the second biometric data to the first biometric data; and
preventing the person from registering the second biometric data at the trusted entity as associated with the user if the second biometric data does not match the first biometric data. - View Dependent Claims (8, 9, 10, 11, 12, 13, 15, 16, 18, 19, 20)
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14. A method of performing an electronic transaction using a transaction device comprising:
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registering a first biometric data with a trusted entity in which the first biometric data is associated with a user;
storing a copy of the first biometric data on the transaction device;
providing the transaction device to the user;
sensing a second biometric data from a person;
comparing the second biometric data to the first biometric data stored on the transaction device;
authenticating the transaction provided that the second biometric data matches the first biometric data;
performing one of earmarking assets of the user and transferring assets of the account in real-time to pay for one of a product and a service; and
authorizing the electronic transaction.
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17. A system for preventing a person from improperly obtaining financial credit comprising:
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a recording medium of a trusted entity configured to register a first biometric data of a user;
a processor, coupled to the recording medium, configured to store the first biometric data onto a transaction device and to prevent registration of a second biometric data that fails to match the first biometric data;
the transaction device comprising a chip configured to store the first biometric data and a sensor to sense the second biometric data from the person; and
means for preventing the person from improperly receiving financial credit if the person'"'"'s second biometric data fails to match the first biometric data.
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21. An electronic transaction device for use in a consumer purchasing system comprising:
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a transaction device identifier providing no apparent identification of a user authorized to use the transaction device;
communication logic, disposed on a processor of the transaction device, configured to communicate the transaction device identifier to the system to perform a transaction, the system comprising a secure mechanism for correlating the device identifier and the user; and
security logic, disposed on a processor of the transaction device, configured to compare a registered first biometric data of an authorized user to a second biometric data read from a person attempting to use the transaction device. - View Dependent Claims (22, 23, 24)
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Specification