Authenticating fingerprints for radio frequency payment transactions
First Claim
1. A Radio Frequency (RF) payment device configured to communicate with an RF Identification (RFID) reader, the RF payment device comprising:
- an RF transponder configured to receive a customer payment device authentication code from the RFID reader;
a unique customer payment device identification code;
a unique customer payment device encryption key corresponding to the unique customer payment device identification code;
a customer payment device account code;
a fingerprint sensor configured to detect a proffered fingerprint sample to create fingerprint sample data; and
a customer payment device authentication circuit configured to use the unique customer payment device encryption key to encrypt the customer payment device authentication code, wherein the customer payment device authentication circuit is further configured to use the unique customer payment device encryption key to encrypt the customer payment device account code;
wherein the RF transponder is configured to transmit at least one of the encrypted customer payment device authentication code or the encrypted customer payment device account code to the RFID reader, and wherein the customer payment device authentication circuit is configured to be enabled in response to the fingerprint sample data matching authenticated fingerprint sample data.
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Accused Products
Abstract
The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric 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 biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.
1140 Citations
25 Claims
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1. A Radio Frequency (RF) payment device configured to communicate with an RF Identification (RFID) reader, the RF payment device comprising:
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an RF transponder configured to receive a customer payment device authentication code from the RFID reader; a unique customer payment device identification code; a unique customer payment device encryption key corresponding to the unique customer payment device identification code; a customer payment device account code; a fingerprint sensor configured to detect a proffered fingerprint sample to create fingerprint sample data; and a customer payment device authentication circuit configured to use the unique customer payment device encryption key to encrypt the customer payment device authentication code, wherein the customer payment device authentication circuit is further configured to use the unique customer payment device encryption key to encrypt the customer payment device account code; wherein the RF transponder is configured to transmit at least one of the encrypted customer payment device authentication code or the encrypted customer payment device account code to the RFID reader, and wherein the customer payment device authentication circuit is configured to be enabled in response to the fingerprint sample data matching authenticated fingerprint sample data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An RFID reader configured to communicate with an RF customer payment device, the RFID reader comprising:
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an RF transponder configured to receive an RFID reader authentication code from the RF customer payment device, wherein the RF transponder is further configured to transmit a customer payment device authentication code to the RF customer payment device, and wherein the RF transponder is further configured to receive an encrypted customer payment device authentication code, a unique customer payment device identification code, a fingerprint sample data, and an encrypted customer payment device account code from the RF customer payment device; an RFID reader encryption key; authenticated fingerprint sample data; a plurality of device-specific decryption keys; an RFID authentication circuit configured to use the RFID reader encryption key to encrypt the RFID reader authentication code, and wherein the RF transponder is configured to transmit the encrypted RFID reader authentication code to the RF customer payment device; wherein the RFID authentication circuit is further configured to select a unique customer payment device decryption key from the plurality of device-specific decryption keys by associating the unique customer payment device identification code with the unique customer payment device decryption key, wherein the RFID authentication circuit is further configured to use the unique customer payment device decryption key to decrypt the encrypted customer payment device authentication code, and wherein the RFID authentication circuit is further configured to compare the decrypted customer payment device authentication code to the customer payment device authentication code and to compare the fingerprint sample data to the authenticated fingerprint sample data, to authenticate the RF customer payment device; wherein the RFID authentication circuit is further configured to use the unique customer payment device decryption key to decrypt the encrypted customer payment device account code; and wherein the RFID reader is configured to transmit the decrypted customer payment device account code for payment processing. - View Dependent Claims (15, 16, 17, 18, 19, 20)
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21. A method for utilizing an RF customer payment device comprising a transponder and a fingerprint security device to facilitate an RF payment transaction, the method comprising:
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receiving an RF interrogation signal from an RFID reader, wherein the RF interrogation signal comprises a customer payment device authentication code; receiving a fingerprint sample at a fingerprint sensor to a create fingerprint sample data; verifying the fingerprint sample data; activating a transponder system authentication circuit in response to at least one of the RF interrogation signal or the verified fingerprint sample data; encrypting, at the transponder system authentication circuit, the customer payment device authentication code with a unique encryption key; transmitting an encrypted customer payment device authentication code and a unique customer payment device identification code to the RFID reader; transmitting an RFID reader authentication code to the RFID reader; receiving an encrypted RFID reader authentication code; decrypting the encrypted RFID reader authentication code using a transponder decryption key; authenticating the RFID reader in response to the decrypted RFID reader authentication code matching the RFID reader authentication code, and in response to the verified fingerprint sample data matching authenticated fingerprint sample data; and transmitting the transponder system account data to the RFID reader in response to the decrypted RFID reader authentication code matching the RFID reader authentication code. - View Dependent Claims (22, 23)
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24. A method for facilitating an RF payment transaction using an RFID reader, comprising:
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transmitting a customer payment device authentication code to an RF customer payment device; receiving an encrypted customer payment device authentication code, a fingerprint sample data, and a unique customer payment device identification code from the RF payment device; decrypting the encrypted customer payment device authentication code using a unique customer payment device decryption key corresponding to the unique payment device authentication code; comparing the decrypted customer payment device authentication code to the customer payment device authentication code; and authenticating the RF customer payment device in response to be fingerprint sample data matching authenticated fingerprint sample data and in response to the decrypted customer payment device authentication code matching the customer payment device authentication code; receiving an encrypted customer payment device account from the RF customer payment device; decrypting the encrypted customer payment device account code using the unique customer payment device decryption key; and transmitting the decrypted customer payment device account code for payment processing. - View Dependent Claims (25)
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Specification