HAND GEOMETRY RECOGNITION BIOMETRICS ON A FOB

• US 20080140580A1
• Filed: 01/31/2008
• Published: 06/12/2008
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Xatra Fund MX LLC (Intellectual Ventures LLC)
• Inventors: Bonalle, David S., Saunders, Peter D., Beenau, Blayn W., Gray, William J., Larkin, Carl, Fields, Seth W., Montgomery, Joshua L.
• Granted Patent: US 7,886,157 B2
• Time in Patent Office: Days
• US Class Current: 705/76
• 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 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• 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 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06V 40/10 Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
• CPC Class Codes: G06V 40/107 Static hand or arm
• CPC Class Codes: G06V 40/11 Hand-related biometrics; Hand pose recognition
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 using a biometric sensor integrated in the pass
• 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 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: 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
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys

Abstract

The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Claims

1. A transponder-reader transaction system configured with a biometric security system, said transaction system comprising:

a transponder configured to communicate with a reader, wherein said reader is configured to communicate with said transaction system;

a hand geometry scan sensor configured to detect a proffered hand geometry scan sample, said hand geometry scan sensor configured to communicate with said transaction system;

a device configured to verify said proffered hand geometry scan sample to facilitate a transaction; and

,

wherein said transaction system is configured to determine whether a user requested transaction exceeds a preloaded value defined by a preloaded value data file associated with said transponder;

determine whether said transaction exceeds a combination of said preloaded value and a reload value defined by a reload protocol data file associated with said transponder, wherein said preloaded value data file and said reload protocol data file define predetermined values for use in satisfying a user transaction request;

notify a user to proffer a biometric sample to authorize use of said combination of said preloaded value and said reload value to complete said transaction;

detect a proffered biometric sample at a sensor communicating with said transaction system;

verify said proffered biometric sample; and

authorize said transaction to proceed by applying said preloaded value from a first funding source associated with said transponder and applying a portion of said reload value from one of said first funding source and a second funding source according to said reload protocol data file.

2. The transponder-reader transaction system of claim 1, wherein said hand geometry scan sensor is configured to communicate with said transaction system via at least one of said transponder, said reader, and a network.

3. The transponder-reader transaction system of claim 1, wherein said hand geometry scan sensor is configured with at least one of an infrared optical sensor and a three-dimensional imaging system.

4. The transponder-reader transaction system of claim 1, wherein said hand geometry scan sensor is configured to detect and verify hand geometry scan characteristics including at least one of:

blood flow, body heat, hand shape, finger length, finger thickness, and finger curvature.

5. The transponder-reader transaction system of claim 1, further including at least one of:

a third-party security vendor device and protocol/sequence controller configured to compare said proffered hand geometry scan sample with a stored hand geometry scan sample.

6. The transponder-reader transaction system of claim 1 further comprising a device configured to compare said proffered hand geometry scan sample with a stored hand geometry sample, wherein said stored hand geometry scan sample comprises a registered hand geometry scan sample which is associated with at least one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

7. The transponder-reader transaction system of claim 1 further comprising a device configured to compare said proffered hand geometry scan sample with a stored hand geometry sample, wherein said stored hand geometry scan sample comprises a registered hand geometry scan sample wherein different registered hand geometry scan samples are associated with a different one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

8. The transponder-reader transaction system of claim 1, wherein said hand geometry scan sample is primarily associated with at least one of:

first user information, wherein said first information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, and wherein a hand geometry scan sample is secondarily associated with at least one of second user information, wherein said second information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, where second user information is different than first user information.

9. The transponder-reader transaction system of claim 1, wherein said transponder is configured to deactivate upon rejection of said proffered hand geometry scan sample.

10. The transponder-reader transaction system of claim 1, wherein said hand geometry scan sensor is configured to provide a notification upon detection of a sample.

11. The transponder-reader transaction system of claim 1, wherein said device configured to verify is configured to facilitate the use of at least one secondary security procedure.

18. The transponder-reader transaction system of claim 1, further comprising said reader configured to provide a first radio frequency (RF) interrogation signal to power a transponder system, to receive a transponder system RF signal, and to communicate transponder system account data related to said transponder system RF signal to a merchant system, said reader including a first interrogator for providing said first RF interrogation signal;

said transponder system authentication circuit comprising a reader authentication circuit in communication with said first interrogator for authenticating said transponder system RF signal;

a RFID reader database for storing RFID reader data, said reader database in communication with said reader authentication circuit;

a RFID reader protocol/sequence controller in communication with at least one of said first interrogator, said reader authentication circuit, and said reader database, said reader protocol/sequence controller configured to facilitate control of an order of operation of said first interrogator, said reader authentication circuit, and said reader database; and

a RFID reader communications interface configured to communicate with said merchant system, said reader communications interface configured to provide said transponder system account data, wherein said transponder system is configured to receive said first RF interrogation signal, to authenticate said first RF interrogation signal, and to transmit said transponder system account data, said transponder system further comprising;

a first transponder responsive to said first RF interrogation signal;

a transponder system authentication circuit in communication with said first transponder, said transponder system authentication circuit configured to authenticate said first RF interrogation signal;

a transponder system database for storing said transponder system account data, said transponder system database in communication with said transponder system authentication circuit; and

a transponder system protocol/sequence controller in communication with at least one of said first transponder, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said transponder system authentication circuit, and said transponder system database, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal having a RFID reader authentication code, said transponder system authentication circuit configured to encrypt said reader authentication code to provide an encrypted RFID reader authentication code, said transponder system authentication circuit configured to provide said encrypted RFID reader authentication code to said first transponder for providing to said reader, wherein said reader is configured to receive said encrypted RFID reader authentication code, and wherein said reader protocol/sequence controller is configured to activate said reader authentication circuit in response to said encrypted RFID reader authentication code, wherein said reader database is configured to provide a transponder system decryption security key to said reader authentication circuit in response to said encrypted RFID reader authentication code, said transponder system decryption security key for use in decrypting said encrypted RFID reader authentication code to form a decrypted RFID reader authentication code, said transponder system decryption security key provided to said reader based on a unique transponder identification code, wherein said reader authentication circuit is configured to compare said decrypted RFID reader authentication code and said reader authentication code to determine whether a match exists, and wherein said reader protocol/sequence controller is configured to activate said reader communications interface where said reader authentication circuit matches said decrypted RFID reader authentication code and said reader authentication code.

19. The transponder-reader transaction system according to claim 18, wherein said transponder system protocol/sequence controller activates said transponder system authentication circuit in response to said first RF interrogation signal, wherein said transponder system authentication circuit is configured to provide a transponder authentication code to said first transponder for providing to said reader.

20. The transponder-reader transaction system according to claim 19, wherein said reader authentication circuit is configured to receive said transponder authentication code, said reader protocol/sequence controller activating said reader authentication circuit in response to said transponder authentication code, said reader authentication circuit configured to encrypt said transponder authentication code to form an encrypted transponder authentication code, wherein said reader is configured to provide said encrypted transponder authentication code to said transponder system.

21. The transponder-reader transaction system according to claim 20, wherein said transponder system database is configured to store at least one of a transponder system identification data and a RFID reader decryption security key, and wherein said transponder system database is configured to provide said reader decryption security key to said transponder system authentication circuit in response to said encrypted transponder authentication code, said reader decryption security key for use in decrypting said encrypted transponder authentication code to form a decrypted transponder authentication code.

22. The transponder-reader transaction system according to claim 21, wherein said transponder system authentication circuit is configured to compare said decrypted transponder authentication code and said transponder authentication code to determine whether a match exists.

23. The transponder-reader transaction system according to claim 22, wherein said transponder system account data is in magnetic stripe format.

24. The transponder-reader transaction system according to claim 23, wherein said transponder system account data is encrypted as a pre-encrypted transponder system account data, wherein said transponder system database is configured to provide said pre-encrypted transponder system account data to said reader when said transponder system authentication circuit matches said decrypted transponder authentication code and said transponder authentication code.

25. The transponder-reader transaction system according to claim 24, wherein said reader communications interface is configured to provide a transponder system PIN and said pre-encrypted transponder system account data when said transponder authentication code matches said decrypted transponder authentication code, and said decrypted RFID reader authentication code matches said reader authentication code.

26. The transponder-reader transaction system of claim 1, wherein said system is further configured to update said preloaded value data file according to said reload protocol data file.

27. The transponder-reader transaction system of claim 1, wherein said system is further configured to provide a transponder system identifier and update reload indicia to a user interface to obtain user authorization prior to reloading said preloaded value.

28. The transponder-reader transaction system of claim 1, wherein said system is further configured to provide user incentives to a transponder based on said reloading of said preloaded value.

29. The transponder-reader transaction system of claim 1, wherein said system is further configured to provide a transponder system identifier to an issuer system server and to provide in real-time an update reload protocol to said issuer system server for reloading the preloaded value in real-time according to said reload protocol.

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

proffering a hand geometry scan to a hand geometry scan sensor communicating with said transaction system to initiate verification of a hand geometry scan sample for facilitating authorization of a transaction, wherein said authorization comprises;

determining whether a user requested transaction exceeds a preloaded value defined by a preloaded value data file associated with a transponder;

determining whether said transaction exceeds a combination of said preloaded value and a reload value defined by a reload protocol data file associated with said transponder, wherein said preloaded value data file and said reload protocol data file define predetermined values for use in satisfying a user transaction request;

notifying a user to proffer a hand geometry scan sample to authorize use of said combination of said preloaded value and said reload value to complete said transaction;

detecting said proffered hand geometry scan sample at a sensor communicating with said transaction system;

verify said proffered hand geometry scan sample;

authorizing said transaction to proceed by applying said preloaded value from a first funding source associated with said transponder; and

,

applying a portion of said reload value from one of said first funding source and a second funding source according to said reload protocol data file.

13. The method of claim 12, wherein said step of proffering includes proffering a hand geometry scan to at least one of an infrared optical sensor and a three-dimensional imaging system.

14. The method of claim 12, wherein said step of comparing includes comparing hand geometry scan characteristics including at least one of:

blood flow, body heat, hand shape, finger length, finger thickness, and finger curvature.

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

determining whether a user requested transaction exceeds a preloaded value defined by a preloaded value data file associated with a transponder;

determining whether said transaction exceeds a combination of said preloaded value and a reload value defined by a reload protocol data file associated with said transponder, wherein said preloaded value data file and said reload protocol data file define predetermined values for use in satisfying a user transaction request;

notifying a user to proffer a hand geometry scan sample to authorize use of said combination of said preloaded value and said reload value to complete said transaction;

detecting said proffered hand geometry scan sample at a sensor communicating with said transaction system to obtain said proffered hand geometry scan sample;

verify said proffered hand geometry scan sample;

authorizing said transaction to proceed upon verification of said proffered hand geometry scan sample by applying said preloaded value from a first funding source associated with said transponder; and

,

applying a portion of said reload value from one of said first funding source and a second funding source according to said reload protocol data file.

16. The method of claim 15, wherein said step of detecting said proffered hand geometry scan sample includes detecting said proffered hand geometry scan sample using at least one of an infrared optical sensor and a three-dimensional imaging system.

17. The method of claim 15, wherein said step of verifying includes comparing said proffered hand geometry scan sample with a stored hand geometry scan sample by comparing a hand geometry scan characteristic including at least one of:

blood flow, body heat, hand shape, finger length, finger thickness, and finger curvature.