CA2384416A1 - System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse - Google Patents

System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse Download PDF

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Publication number
CA2384416A1
CA2384416A1 CA002384416A CA2384416A CA2384416A1 CA 2384416 A1 CA2384416 A1 CA 2384416A1 CA 002384416 A CA002384416 A CA 002384416A CA 2384416 A CA2384416 A CA 2384416A CA 2384416 A1 CA2384416 A1 CA 2384416A1
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user
electronic
data
rule module
subordinated
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CA2384416C (en
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Ned Hoffman
Philip Dean Lapsley
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Open Invention Network LLC
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Priority to CA2749232A priority patent/CA2749232C/en
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Publication of CA2384416C publication Critical patent/CA2384416C/en
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    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/33—User authentication using certificates
    • C—CHEMISTRY; METALLURGY
    • C07—ORGANIC CHEMISTRY
    • C07K—PEPTIDES
    • C07K14/00—Peptides having more than 20 amino acids; Gastrins; Somatostatins; Melanotropins; Derivatives thereof
    • C07K14/435—Peptides having more than 20 amino acids; Gastrins; Somatostatins; Melanotropins; Derivatives thereof from animals; from humans
    • C07K14/52—Cytokines; Lymphokines; Interferons
    • C07K14/53—Colony-stimulating factor [CSF]
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    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
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    • G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
    • G06F21/82—Protecting input, output or interconnection devices
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    • 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
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    • 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
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    • G—PHYSICS
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
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    • G—PHYSICS
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    • 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
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    • 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
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
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    • 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
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    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0225—Avoiding frauds
    • 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
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/2866—Architectures; Arrangements
    • H04L67/30—Profiles
    • H04L67/306—User profiles
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L69/00—Network arrangements, protocols or services independent of the application payload and not provided for in the other groups of this subclass
    • H04L69/30—Definitions, standards or architectural aspects of layered protocol stacks
    • H04L69/32—Architecture of open systems interconnection [OSI] 7-layer type protocol stacks, e.g. the interfaces between the data link level and the physical level
    • H04L69/322—Intralayer communication protocols among peer entities or protocol data unit [PDU] definitions
    • H04L69/329—Intralayer communication protocols among peer entities or protocol data unit [PDU] definitions in the application layer [OSI layer 7]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2211/00—Indexing scheme relating to details of data-processing equipment not covered by groups G06F3/00 - G06F13/00
    • G06F2211/007—Encryption, En-/decode, En-/decipher, En-/decypher, Scramble, (De-)compress
    • G06F2211/008—Public Key, Asymmetric Key, Asymmetric Encryption
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2117—User registration
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates

Abstract

Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample (62), an electronic identicator (12) and an electronic rule module clearinghouse (14). The steps for processing of the electronic transmissions comprise a user registration step, wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user . A formation of a rule module (50) customized to the user in a rule module clearinghouse (14), wherein at least one pattern data (54) of a user is associated with at least one execution command (52) of the user. A user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the user with at least on e previously registered biometric sample (24) for producing either a successfu l or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated ru le module (50) of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the us er presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

Claims

1. A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample (62), an electronic identicator (12) and an electronic rule module clearinghouse (14), said method comprising the steps of:
a user registration step, wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user;
formation of a rule module (50) customized to the user in a rule module clearinghouse (14), wherein at least one pattern data (54) of a user is associated with at least one execution command (52) of the user;
a user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user;
a command execution step, wherein upon successful identification of the user at least one previously designated rule module (50) of the user is invoked to execute at least one electronic transmission;
wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
2. The method of claim 1 wherein during the command execution step, the electronic rule module clearinghouse (14) communicates with one or more third-party computers (28).
3. The method of claim 1 wherein said execution commands (52) are comprised of any of the following: accessing stored electronic data customized to the user's rule modules (50), processing electronic data customized to the user's rule modules (50), and presentation of electronic data customized to the user's rule modules (50).

4. The method of claim 1 wherein pattern data (54) comprises any of the following; a user unique identification code, demographic information, an email address, a financial account, a secondary biometric, Internet browsing patterns, a non-financial data repository account, a telephone number, a mailing address, purchasing patterns, data on pre-paid accounts or memberships for products or services, electronic data usage patterns, employee status, job title, data on user behavior patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, an encryption key, an instant messaging address, personal medical records, an electronic audio signature, and an electronic visual signature.
5. The method of claim 1, wherein pattern data (54) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
6. The method of claim 1, wherein an execution command (52) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
7. The method of claim 1 further comprising a user re-registration check step, wherein the user's registration biometric sample is compared against previously registered biometric samples (24) wherein if a match occurs, the computer system is alerted to the fact that the user has attempted to re-register with the electronic identicator (12).
8. The method of claim 1 wherein the biometric sample comprises any of the following: a fingerprint, a facial scan, a retinal image, an iris scan, and a voice print.
9. The method of claim 1 wherein during the identification step, the user provides a personal identification code to the electronic identicator (12) along with a bid biometric sample for purposes of identifying the user.
10. The method of claim 9 further comprising a biometric theft resolution step, wherein a user's personal identification code is changed when the user's biometric sample is determined to have been fraudulently duplicated.

11. The method of claim 1, wherein execution of an execution command (52) authorizes the user to access stored electronic data.
12. The method of claim 11 wherein accessing stored electronic data results in activation of an Internet-connected device.
13. The method of claim 1 wherein executing an execution command (52)processes electronic data to provide the user with a user requested electronic transmission.
14. The method of claim 13, wherein said processing comprising invoking the following; a user's digital certificate, a user's identity scrambler, a user's interactive electronic consumer loyalty or consumer rewards program, a user's interactive electronic advertising, a user's interactive instant messaging program, a user's email authentication, and an automated electronic intelligent agent for electronic data search and retrieval that is customized to the user's requests.
15. The method of claim 1 wherein executing an execution command (52) presents electronic data that is customized to the user's requested electronic transmission.
16. The method of claim 1 further comprising a user log-in repeat step, wherein during an electronic transmission the user is periodically required by the electronic identicator (12) to present the user's bid biometric sample or at least one of the user's pattern data (54).
17. The method of claim 1 further comprising a communications step wherein any of the following is used: the Internet (18), an intranet (58), an extranet (58), a local area network (56), a wide area network.
18. The method of claim 1 further comprising a third-party registration step, wherein a third-party (28) registers identification data with the electronic identicator (12), the identification data comprising any of the following; a biometric, a digital certificate, an Internet protocol address, or a biometric input apparatus hardware identification code.
19. The method of claim 18 further comprising a third-party identification step, wherein a third-party (28) providing the user with electronic transmissions is identified by the electronic identicator (12) by comparing the third-party's bid identification data with the third-party's registered identification data.
20. A computer system device for tokenless biometric processing of electronic transmissions, using at least one user biometric sample, an electronic identicator (12) and an electronic rule module clearinghouse (14), comprising:
a biometric input apparatus, for providing a bid or registration biometric sample of a user to the electronic identicator (12); wherein a user registers with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the user;
an electronic rule module clearinghouse (14), having at least one rule module (50) further comprising at least one pattern data (54) of the user associated with at least one execution command (52) of the user, for executing at least one electronic transmission;
an electronic identicator (12), for comparing the bid biometric sample with registered biometric samples of users;
a command execution module (38), for invoking at least one previously designated execution command (52) in the electronic rule module clearinghouse (14) to execute an electronic transmission;
wherein no man-made memory tokens such as smartcards, or magnetic swipe cards are presented by the user to conduct the electronic transmission.
21. The device of claim 20 wherein the command execution module (38) communicates with one or more third-party computers (28).
22. The device of claim 20 wherein pattern data (54) comprises any of the following; a user unique identification code, demographic information, an email address, a financial account, a secondary biometric, a non-financial data repository account, a telephone number, a mailing address, purchasing patterns, data on pre-paid accounts or memberships for products or services, electronic data usage patterns, employee status, job title, data on user behavior patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, an encryption key, an instant messaging address, personal medical records, an electronic audio signature, and an electronic visual signature.
23. The device of claim 20, wherein pattern data (54) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
24. The device of claim 20, wherein an execution command (52) for a user is provided for the rule module (50) by any of the following; the user, the electronic rule module clearinghouse (14), or an authorized third party (28).
25. A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator (12) and an electronic rule module clearinghouse (14), said method comprising the steps of:
a primary and subordinated user registration step, wherein a primary and subordinated user each register with an electronic identicator (12) at least one registration biometric sample taken directly from the person of the primary and subordinated user, respectively;
formation of a rule module (50) customized to the primary and subordinated user in a rule module clearinghouse (14), wherein at least one pattern data (54) of the primary and subordinated user is associated with at least one execution command (52) of the primary and subordinated user, and a subordinated user identification step, wherein the electronic identicator (12) compares a bid biometric sample taken directly from the person of the subordinated user with at least one previously registered biometric sample for producing either a successful or failed identification of the subordinated user;
a subordination step wherein upon successful identification of the subordinated user, the pattern data (54) of the subordinated user is searched to determine if any of the subordinated user's rule modules (50) is subordinated to at least one of the primary user's rule modules (50);
a command execution step, wherein upon the successful identification of the subordinated user and the determination that at least one of the subordinated user's rule modules (50) is subordinated to at least one of the primary user's rule modules (50), at least one previously designated execution command (52) of the primary user is invoked to execute at least one electronic transmission;
wherein a biometrically authorized electronic transmission is conducted without the primary and subordinated user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.
CA2384416A 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse Expired - Fee Related CA2384416C (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2749181A CA2749181C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
CA2749232A CA2749232C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US09/398,914 US7613659B1 (en) 1994-11-28 1999-09-16 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
US09/398,914 1999-09-16
PCT/US2000/040910 WO2001020531A1 (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

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CA2749181A Division CA2749181C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
CA2749232A Division CA2749232C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

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CA2384416A1 true CA2384416A1 (en) 2001-03-22
CA2384416C CA2384416C (en) 2011-11-01

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CA2749181A Expired - Fee Related CA2749181C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
CA2384416A Expired - Fee Related CA2384416C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
CA2749232A Expired - Fee Related CA2749232C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

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CA2749232A Expired - Fee Related CA2749232C (en) 1999-09-16 2000-09-15 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

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US (5) US7613659B1 (en)
EP (1) EP1214678A4 (en)
JP (5) JP2003509775A (en)
AU (1) AU1252801A (en)
BR (1) BR0014023A (en)
CA (3) CA2749181C (en)
HK (1) HK1048167A1 (en)
MX (1) MXPA02002944A (en)
WO (1) WO2001020531A1 (en)

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