Biometric registration for facilitating an RF transaction

• US 8,548,927 B2
• Filed: 03/26/2004
• Issued: 10/01/2013
• Est. Priority Date: 07/10/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Xatra Fund MX LLC (Intellectual Ventures LLC)
• Inventors: Bonalle, David S, Beenau, Blayn W, Saunders, Peter D, Montgomery, Joshua L, Larkin, Carl, Gray, William J, Fields, Seth W
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): Qayyum, Zeshan
• Application Number:
  US10/708,840
• Publication Number:
  US 20040230488A1
• Time in Patent Office: 3,476 Days
• Field of Search: 713/186, 705/67, 705/64
• 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 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• 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 20/326 Payment applications installed on the mobile 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 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• 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 40/14 : Vascular patterns
• CPC Class Codes: G06V 40/40 : Spoof detection, e.g. liveness detection
• 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: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/14 : Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• 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 9/321 : involving a third party or a trusted authority
• 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 registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Claims

1. A method, comprising:

storing, by a portable radio frequency (RF) device, a first and second biometric sample data in a database;

associating the first biometric sample data with a first account having a first account value that is accessible via the portable RF device;

associating the second biometric sample data with a second account having a second account value that is accessible via the portable RF device;

authenticating, by the portable RF device, an RF Identification (RFID) reader by providing an authentication code to the RFID reader and receiving an encrypted code from the RFID reader corresponding to the authentication code;

decrypting, by the portable RF device, the encrypted code with a key prior to determining that the encrypted code corresponds to the authentication code;

receiving, by the portable RF device, a biometric sample;

comparing, by the portable RF device, the biometric sample with the first and second biometric sample data stored in the database;

determining, by the portable RF device, which accounts of the first and second account to assess a transaction value against based on the comparison; and

receiving, at the RFID reader, a transaction request associated with the portable RF device, in response to the authentication of the portable RF device and the RFID reader, wherein the transaction request comprises the determined account.

2. The method of claim 1, further comprising:

assessing the transaction value against the first account value of the first account in response to the biometric sample being associated with the first biometric sample data; and

assessing the transaction value against the second account value of the second account in response to the biometric sample being associated with the second biometric sample data.

3. The method of claim 2, wherein the assessing the transaction value against the first account value comprises automatically assessing the transaction value against the first account value without the user of the portable RF device indicating that the transaction value should be assessed against the first account value, other than by proffering the biometric sample.

4. The method of claim 1, further comprising associating the first biometric sample data with a third account having a third account value.

5. The method of claim 4, further comprising assessing the transaction value against the third account value in response to the transaction value being greater that the first account value.

6. The method of claim 4, further comprising associating the first biometric sample data with a first set of account rules and assessing the transaction value against the first account value in accordance with the first set of account rules.

7. The method of claim 6, further comprising:

assessing the transaction value against the first account value in response to a first account condition being met; and

assessing the transaction value against the third account value in response to a third account condition being met, wherein the first set of account rules includes the first account condition and the third account condition.

8. The method of claim 1, further comprising assessing the transaction value against a first account value in response to the transaction request qualifying for loyalty points and in response to the transaction value being less than a maximum value.

9. The method of claim 4, further comprising assessing the transaction value against the third account value in response to the transaction request not qualifying for airline miles and in response to the transaction value being greater than a minimum value.

10. The method of claim 6, wherein the first set of account rules is applied to the transaction request in response to the biometric sample data being associated with the first biometric sample data.

11. The method of claim 2, further comprising:

associating the second biometric sample data with a fourth account having a fourth account value; and

associating the second biometric sample data with a second set of account rules.

12. The method of claim 11, wherein the second set of account rules is applied to the transaction request in response to the biometric sample being associated with the second biometric sample data.

13. The method of claim 11, further comprising automatically applying the second set of account rules in response to the biometric sample being associated with the second biometric sample data.

14. The method of claim 1, wherein the first biometric sample data is associated with a first fingerprint of a first digit, and wherein the second biometric sample data is associated with a second fingerprint of a second digit.

15. The method of claim 4, wherein the first account is a primary account associated with the first biometric sample data, and wherein the third account is a secondary account associated with the first biometric sample data.

16. The method of claim 11, wherein the second account is a primary account associated with the second biometric sample data, and wherein the fourth account is a secondary account associated with the second biometric sample data.

17. The method of claim 11, wherein the first account, the second account, the third account and the fourth account individually comprise at least one of a credit account, a debit account, a prepaid account, a loyalty account, a rewards account, or an airline miles account.

18. The method of claim 1, wherein the database is associated with at least one of an issuer or an authorized sample receiver.

19. The method of claim 1, wherein the biometric sensor comprises at least one of a retinal scan sensor, an iris scan sensor, a fingerprint sensor, a hand print sensor, a hand geometry sensor, a voice print sensor, a vascular sensor, a facial sensor, an ear sensor, a signature sensor, a keystroke sensor, an olfactory sensor, an auditory emissions sensor, or a DNA sensor.

20. The method of claim 1, wherein the first biometric sample and the second biometric sample individually comprise a biometric sample characteristic comprising at least one of blood flow, correctly aligned ridges, pressure, motion, body heat, ridge endings, bifurcation, lakes, enclosures, short ridges, dots, spurs, crossovers, pore size, pore location, loops, whorls, or arches.

21. A non-transitory computer-readable medium storing executable instructions that, when executed by a computing device, cause the computing device to perform operations comprising:

storing a first and second biometric sample data;

associating the first biometric sample data with a first account having a first account value that is accessible via a portable RF device;

associating the second biometric sample data with a second account having a second account value that is accessible via the portable RF device;

authenticating an RF Identification (RFID) reader by providing an authentication code to the RFID reader and receiving an encrypted code from the RFID reader corresponding to the authentication code;

decrypting the encrypted code with a key prior to determining that the encrypted code corresponds to the authentication code;

receiving a biometrics sample data;

comparing the biometric sample with the first and second biometric sample data stored in the database; and

determining which accounts of the first and second account to assess a transaction value against based on the comparison;

wherein the RFID reader is configured to receive a transaction request associated with the portable RF device, in response to the authentication of the portable RF device and the RFID reader, wherein the transaction request comprises the determined account.