| Patent application number | Description | Published |
|---|
| 20080203172 | CLEAR CONTACTLESS CARD - The present invention relates to a process for producing an transparent or translucent transaction card having multiple features, such as a holographic foil, integrated circuit chip, RFID circuitry, silver magnetic stripe with text on the magnetic stripe, opacity gradient, an invisible optically recognizable compound, a translucent signature field such that the RFID circuitry and signature on back of the card is visible from the front of the card and an active thru date on the front of the card. The invisible optically recognizable compound is an infrared ink and/or film, which can be detected by a sensor found in an ATM or card assembly line. | 08-28-2008 |
| 20090079546 | DNA SAMPLE DATA IN A TRANSPONDER TRANSACTION - The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA 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 DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions. | 03-26-2009 |
| 20090091426 | METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE - A system and method for using RFID technology to track resource performance and task completion is disclosed. In one exemplary embodiment, a fob and an RFID reader may engage in mutual authentication. Where the RFID reader and the fob successfully mutually authenticate, the fob may transmit to the RFID reader information identifying the resource's performance tracking account to which the fob is associated. The RFID reader may receive and forward the information to facilitate performance tracking. In one exemplary embodiment, the RFID reader may forward the information to a point of interaction terminal for transaction completion. In another exemplary embodiment, the fob completes tasks via a computer interface. In still another exemplary embodiment, the fob resource and/or a manager may access a resource engine, wherein the resource engine may be used to automatically grade, track, score, and assign resources based on resource skills and skill sets. | 04-09-2009 |
| 20090119220 | AUTHORIZED SAMPLE RECEIVER - In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request. | 05-07-2009 |
| 20090125401 | BIOMETRIC AUTHORIZATION OF AN RF TRANSACTION - A method and system for biometric authorization to facilitate a radio frequency transaction is disclosed. In an exemplary embodiment, a system and method is provided for using biometric sample and biometric sample data to authorize completion of an RF transaction. Authorization of biometric sample data may authorize increasing a preloaded value, or using an additional value to supplement the preloaded value, in order to facilitate completion of an RF transaction. | 05-14-2009 |
| 20090153302 | METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE - A system and method for using RFID technology to track resource performance and task completion is disclosed. In one exemplary embodiment, a fob and an RFID reader may engage in mutual authentication. Where the RFID reader and the fob successfully mutually authenticate, the fob may transmit to the RFID reader information identifying the resource's performance tracking account to which the fob is associated. The RFID reader may receive and forward the information to facilitate performance tracking. In one exemplary embodiment, the RFID reader may forward the information to a point of interaction terminal for transaction completion. In another exemplary embodiment, the fob completes tasks via a computer interface. In still another exemplary embodiment, the fob resource and/or a manager may access a resource engine, wherein the resource engine may be used to automatically grade, track, score, and assign resources based on resource skills and skill sets. | 06-18-2009 |
| 20090171851 | REGISTERING A BIOMETRIC FOR RADIO FREQUENCY TRANSACTIONS - An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code. | 07-02-2009 |
| 20090289112 | SMARTCARD TRANSACTION SYSTEM AND METHOD - A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample. | 11-26-2009 |
| 20100004989 | SYSTEMS, METHODS, APPARATUS AND COMPUTER PROGRAM PRODUCTS FOR INTERFACING PAYMENT SYSTEMS TO A NETWORK ASSOCIATED WITH A REFERRAL - A network interface, including a referral receiver, a payment processor and a referral matching module. The referral receiver receives a referral presented to a user and the payment processor performs a transaction. In turn, the referral matching module matches the referral with the transaction and communicates the match to a network associated with the referral. | 01-07-2010 |
| 20100030633 | SYSTEM FOR BIOMETRIC SECURITY USING A FOB - The present invention discloses a system and methods for biometric security using 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. The device for verifying samples compares the biometric samples with information stored on databases. | 02-04-2010 |
| 20100030693 | METHOD AND SYSTEM FOR HAND GEOMETRY RECOGNITION BIOMETRICS ON A FOB - 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. | 02-04-2010 |
| 20100265038 | METHOD AND SYSTEM FOR HAND GEOMETRY RECOGNITION BIOMETRICS ON A FOB - 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. | 10-21-2010 |
| 20100308117 | WIRELESS TRANSACTION FOBS AND METHODS OF USING THE SAME - The invention relates to transaction tokens (“fobs”) having wireless functionality and methods of using the same. More specifically, fobs having radio frequency functionality such that information, such as payment information, identification information, or other like information, may be wirelessly transmitted from a memory within the fob to a receiver are disclosed. The fobs of this invention may comprise a microchip or other memory component, and/or antenna disposed on or within an insert and encased within an enclosure in an interior compartment. The fobs may have a quick-release mechanism for easily attaching to and detaching from a securing device, such as a keychain or the like. Moreover, the interior compartments of the fobs may be easily accessible for replacing the enclosed insert. | 12-09-2010 |
| 20100312698 | SMARTCARD TRANSACTION SYSTEM AND METHOD - A method for facilitating biometric security in a smartcard-reader transaction system is provided. The method includes determining if a transaction violates an established rule, such as a preset spending limit. The method also includes notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample. | 12-09-2010 |
| 20100325041 | SYSTEM AND METHOD FOR ENCODING INFORMATION IN MAGNETIC STRIPE FORMAT FOR USE IN RADIO FREQUENCY IDENTIFICATION TRANSACTIONS - A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system. The proxy transaction device identifier may be stored on the database in any conventional merchant recognizable format. Additionally, the proxy transaction device identifier may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system may receive the proxy account identifier and uses the first portion of the transaction device identifier in a predetermined algorithm to reassemble the transaction device identifier for use in transaction completion. | 12-23-2010 |
| 20110060687 | SYSTEM, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ISSUING AND USING DEBIT CARDS - A system, method, and computer program product are used to issue and track debit cards. A system comprises an enrolling system that verifies an enrollee, associates an enrollee's main and overdraft account, and issues a debit card, an authentication system that receives information regarding a requested transaction of a debit card and that receives information regarding the main and overdraft account associated with the debit card and accepts or rejects the requested transaction based thereon, and a settlement system that generates a periodic report of at least one of the transactions, the main account, and the overdraft account. The overdraft account can be a charge or credit account. | 03-10-2011 |
| 20110139869 | WIRELESS TRANSACTION MEDIUM HAVING COMBINED MAGNETIC STRIPE AND RADIO FREQUENCY COMMUNICATIONS - A wireless financial transaction instrument, such as a card, has a magnetic stripe, a display, and an on-board power supply, such as a battery, and is usable with a dual capture point of sale terminal. Information is received by such a terminal from the card wirelessly, and also from the magnetic stripe, and the data received contactlessly is preferably used to verify that read from the stripe. The display can display the account number on command, or to display a current balance, or amount of credit remaining, or any combination of these items of information. | 06-16-2011 |
