WO2008060922A3 - Biometrics-secured transaction card - Google Patents

Biometrics-secured transaction card Download PDF

Info

Publication number
WO2008060922A3
WO2008060922A3 PCT/US2007/083961 US2007083961W WO2008060922A3 WO 2008060922 A3 WO2008060922 A3 WO 2008060922A3 US 2007083961 W US2007083961 W US 2007083961W WO 2008060922 A3 WO2008060922 A3 WO 2008060922A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction card
data
microprocessor
security circuit
card
Prior art date
Application number
PCT/US2007/083961
Other languages
French (fr)
Other versions
WO2008060922A2 (en
Inventor
Rodolphe J Simon
Original Assignee
Rodolphe J Simon
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Rodolphe J Simon filed Critical Rodolphe J Simon
Publication of WO2008060922A2 publication Critical patent/WO2008060922A2/en
Publication of WO2008060922A3 publication Critical patent/WO2008060922A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0716—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
    • G06K19/0718—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising a sensor or an interface to a sensor the sensor being of the biometric kind, e.g. fingerprint sensors
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/26—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition using a biometric sensor integrated in the pass
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/0893—Details of the card reader the card reader reading the card in a contactless manner

Abstract

Secure transaction card for execution of transactions by an authorized user. The secure transaction card has a biometric sensor, a battery, data transmission means, a microprocessor, a data storage device, and a security circuit. The microprocessor compares the scanned biometric feature with biometric data stored on the card. Upon determination of a match, the microprocessor energizes the security circuit, which then allows transmission of data to an external card reader. Data transmission is via a magnetic strip or RF technology. Upon determination of a mismatch, the security circuit remains de-energized and data transmission from or to an external reader is blocked.
PCT/US2007/083961 2006-11-17 2007-11-08 Biometrics-secured transaction card WO2008060922A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/601,237 2006-11-17
US11/601,237 US20080120509A1 (en) 2006-11-17 2006-11-17 Biometrics-secured transaction card

Publications (2)

Publication Number Publication Date
WO2008060922A2 WO2008060922A2 (en) 2008-05-22
WO2008060922A3 true WO2008060922A3 (en) 2008-08-21

Family

ID=39402388

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2007/083961 WO2008060922A2 (en) 2006-11-17 2007-11-08 Biometrics-secured transaction card

Country Status (2)

Country Link
US (1) US20080120509A1 (en)
WO (1) WO2008060922A2 (en)

Families Citing this family (22)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7303120B2 (en) * 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
CN1784698A (en) * 2003-05-08 2006-06-07 皇家飞利浦电子股份有限公司 Smart authenticating card
US7225975B1 (en) * 2006-02-16 2007-06-05 Bank Of America Corporation Check carrier
US8558663B2 (en) * 2007-11-30 2013-10-15 Bank Of America Corporation Integration of facial recognition into cross channel authentication
US9361440B2 (en) * 2007-12-21 2016-06-07 Apple Inc. Secure off-chip processing such as for biometric data
WO2009100230A1 (en) * 2008-02-07 2009-08-13 Inflexis Corporation Mobile electronic security apparatus and method
KR101129318B1 (en) * 2009-10-08 2012-03-26 최운호 Method and system providing lending service using biometrics card
AU2013204744A1 (en) 2012-07-26 2014-02-13 Peter Cherry System and Method for Fraud Prevention
JP6562947B2 (en) * 2014-01-21 2019-08-21 サーキュレ ピーティーワイ リミテッド Personal identification system and method
US9721127B2 (en) 2014-03-10 2017-08-01 The Raymond Corporation Systems and methods for controlling activation of options preloaded on a material handling vehicle
US10282535B2 (en) * 2014-09-02 2019-05-07 NXT-ID, Inc. Method and system to validate identity without putting privacy at risk
KR102050548B1 (en) * 2015-01-27 2020-01-08 쿠앙치 인텔리전트 포토닉 테크놀로지 리미티드 Optical communication launching device and receiving device
GB2545738B (en) * 2015-12-24 2021-07-21 Zwipe As Biometric smartcard with multiple modes of operation
KR20170126688A (en) 2016-05-10 2017-11-20 엘지전자 주식회사 Smart card and method for controlling the same
USD855617S1 (en) * 2017-01-17 2019-08-06 David Williams Smart card
US10984304B2 (en) 2017-02-02 2021-04-20 Jonny B. Vu Methods for placing an EMV chip onto a metal card
USD956760S1 (en) * 2018-07-30 2022-07-05 Lion Credit Card Inc. Multi EMV chip card
TWI734302B (en) * 2019-12-16 2021-07-21 義隆電子股份有限公司 Smart card and control method thereof
US11593795B1 (en) 2020-02-27 2023-02-28 Alclear, Llc Identity information controlled financial account device
US11361315B2 (en) 2020-05-13 2022-06-14 Capital One Services, Llc Systems and methods for card authorization
KR102499625B1 (en) 2020-09-10 2023-02-14 코나아이 (주) Multi card including fingerprint input unit and payment method using the same
US20220237623A1 (en) * 2021-01-27 2022-07-28 EMC IP Holding Company LLC Secure, low-cost, privacy-preserving biometric card

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030179910A1 (en) * 2002-03-22 2003-09-25 Wong Jacob Y. Personal choice biometric signature
US20040179718A1 (en) * 2003-03-14 2004-09-16 Chou Bruce C.S. Card-type biometric identification device and method therefor
US20050077348A1 (en) * 2003-08-11 2005-04-14 Colin Hendrick Intelligent ID card holder
US20060184801A1 (en) * 2003-04-08 2006-08-17 Wood Richard G Method for controlling fraud and enhancing security and privacy by using personal hybrid card

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6325285B1 (en) * 1999-11-12 2001-12-04 At&T Corp. Smart card with integrated fingerprint reader
CZ2005209A3 (en) * 2002-09-10 2005-12-14 Ivi Smart Technologies, Inc. Safe biometric verification of identity
US7780080B2 (en) * 2006-04-24 2010-08-24 Encryptakey, Inc. Portable device and methods for performing secure transactions

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20030179910A1 (en) * 2002-03-22 2003-09-25 Wong Jacob Y. Personal choice biometric signature
US20040179718A1 (en) * 2003-03-14 2004-09-16 Chou Bruce C.S. Card-type biometric identification device and method therefor
US20060184801A1 (en) * 2003-04-08 2006-08-17 Wood Richard G Method for controlling fraud and enhancing security and privacy by using personal hybrid card
US20050077348A1 (en) * 2003-08-11 2005-04-14 Colin Hendrick Intelligent ID card holder

Also Published As

Publication number Publication date
WO2008060922A2 (en) 2008-05-22
US20080120509A1 (en) 2008-05-22

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