BIOMETRIC SAFEGUARD METHOD WITH A FOB

• US 20040252012A1
• Filed: 03/26/2004
• Published: 12/16/2004
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bonalle, David S., Saunders, Peter D., Beenau, Blayn W., Gray, William J., Larkin, Carl, Fields, Seth W., Montgomery, Joshua L.
• Granted Patent: US 7,154,375 B2
• Time in Patent Office: Days
• US Class Current: 340/5.4
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/28 the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

A method for facilitating biometric security in a transponder-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.

Claims

1. A method for facilitating biometric security in a transponder-reader transaction system, said method comprising:

determining if a transaction violates an established rule;

notifying a user to proffer a biometric sample to verify the identity of said user;

detecting a proffered biometric at a sensor communicating with said system to obtain a proffered biometric sample;

verifying the proffered biometric sample; and

authorizing said transaction that violates an established rule to proceed upon verification of the proffered biometric sample.

2. The method of claim 1, wherein said step of determining if a transaction violates an established rule includes determining if said transaction is at least one of a purchase exceeding an established per purchase spending limit, a purchase exceeding a preset number of transactions, any portion of a purchase using non-monetary funds, and a purchase exceeding an established limit.

3. The method of claim 1, wherein said step of notifying includes providing notification by at least one of an audible signal, visual signal, optical signal, mechanical signal, vibration, blinking, signaling and beeping to said user.

4. The method of claim 1, wherein said step of detecting further includes detecting a proffered biometric at a sensor configured to communicate with said system via at least one of a transponder, reader, and network.

5. The method of claim 1, wherein said step of detecting includes at least one of:

detecting, storing, and processing a proffered biometric sample.

6. The method of claim 1, wherein said step of detecting includes receiving a finite number of proffered biometric samples during a transaction.

7. The method of claim 1, wherein said step of detecting includes logging each proffered biometric sample.

8. The method of claim 1, wherein said step of detecting includes at least one of detecting, processing and storing at least one second proffered biometric sample.

9. The method of claim 1, wherein said step of verifying includes comparing a proffered biometric sample with a stored biometric sample.

10. The method of claim 9, wherein comparing a proffered biometric sample with a stored biometric sample includes comparing a proffered biometric sample with at least one of a biometric sample of a criminal, a terrorist, and a transponder user.

11. The method of claim 1, wherein said step of verifying includes verifying a proffered biometric sample using information contained on at least one of a local database, a remote database, and a third-party controlled database.

12. The method of claim 1, wherein said step of verifying includes verifying a proffered biometric sample using one of a protocol/sequence controller and a third-party security vendor.