BR0008045A - Processos para autorização sem indicação magnética de uma transação de recompensa entre um emissor e um recebedor e para processar transferência de unidades de recompensa eletrônicas sem indicação magnética para um recebedor, e, dispositivo para transação sem indicação magnética de transferência eletrônica de unidades de recompensa para um recebedor - Google Patents

Processos para autorização sem indicação magnética de uma transação de recompensa entre um emissor e um recebedor e para processar transferência de unidades de recompensa eletrônicas sem indicação magnética para um recebedor, e, dispositivo para transação sem indicação magnética de transferência eletrônica de unidades de recompensa para um recebedor

Info

Publication number
BR0008045A
BR0008045A BR0008045-4A BR0008045A BR0008045A BR 0008045 A BR0008045 A BR 0008045A BR 0008045 A BR0008045 A BR 0008045A BR 0008045 A BR0008045 A BR 0008045A
Authority
BR
Brazil
Prior art keywords
recipient
issuer
reward
transaction
electronic
Prior art date
Application number
BR0008045-4A
Other languages
English (en)
Inventor
Ned Hoffman
David F Pare Jr
Jonathan A Lee
Original Assignee
Veristar Corp
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=22924097&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=BR0008045(A) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Veristar Corp filed Critical Veristar Corp
Publication of BR0008045A publication Critical patent/BR0008045A/pt

Links

Classifications

    • 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
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01F—MEASURING VOLUME, VOLUME FLOW, MASS FLOW OR LIQUID LEVEL; METERING BY VOLUME
    • G01F19/00—Calibrated capacity measures for fluids or fluent solid material, e.g. measuring cups
    • G01F19/005—Calibrated capacity measures for fluids or fluent solid material, e.g. measuring cups for semi-liquid, e.g. fat
    • G—PHYSICS
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    • G06F18/00—Pattern recognition
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    • G06F18/28—Determining representative reference patterns, e.g. by averaging or distorting; Generating dictionaries
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    • 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
    • G06Q20/3821—Electronic credentials
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    • 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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    • 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
    • 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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    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
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    • G06Q30/00—Commerce
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    • 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
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    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
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    • G—PHYSICS
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    • G07C9/00—Individual registration on entry or exit
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    • 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
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    • 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
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    • G07F19/20—Automatic teller machines [ATMs]
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    • G—PHYSICS
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    • 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
    • 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
    • G—PHYSICS
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    • 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
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    • 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
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
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    • 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

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
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  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Software Systems (AREA)
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  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computing Systems (AREA)
  • Signal Processing (AREA)
  • Data Mining & Analysis (AREA)
  • Human Computer Interaction (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Evolutionary Computation (AREA)
  • Evolutionary Biology (AREA)
  • Fluid Mechanics (AREA)
  • Bioinformatics & Computational Biology (AREA)
  • Bioinformatics & Cheminformatics (AREA)
  • Artificial Intelligence (AREA)
  • Life Sciences & Earth Sciences (AREA)
  • Health & Medical Sciences (AREA)
  • Biomedical Technology (AREA)
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  • Multimedia (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

"PROCESSOS PARA AUTORIZAçãO SEM INDICAçãO MAGNéTICA DE UMA TRANSAçãO DE RECOMPENSA ENTRE UM EMISSOR E UM RECEBEDOR E PARA PROCESSAR TRANSFERêNCIA DE UNIDADES DE RECOMPENSA ELETRôNICAS SEM INDICAçãO MAGNéTICA PARA UM RECEBEDOR, E, DISPOSITIVO PARA TRANSAçãO SEM INDICAçãO MAGNéTICA DE TRANSFERêNCIA ELETRôNICA DE UNIDADES DE RECOMPENSA PARA UM RECEBEDOR". O processo da invenção inclui uma autorização sem indicação magnética de uma transação de recompensa entre um emissor (58) e um recebedor (54), usando um identificador eletrônico e pelo menos uma amostra biométrica de oferta de recebedor, o processo compreendendo as seguintes etapas. Etapa de registro de recebedor (54), onde um recebedor registra com um identificador eletrônico pelo menos uma amostra biométrica de registro. Etapa de registro de emissor, onde o emissor registra dados de identificação (64) com o identificador eletrônico. Durante uma etapa de formação de transação, onde uma transação de recompensa eletrônica (56) é formada entre o emissor e o recebedor, compreendendo dados de identificação de oferta de emissor (64), dados de transação (60), e pelo menos uma amostra biométrica de oferta de recebedor, a amostra biométrica de oferta é obtida da pessoa do emissor. Em pelo menos uma etapa de transmissão, os dados de identificação de oferta de emissor (64), os dados de transação (56) e amostra biométrica de oferta de recebedor são enviados eletronicamente ao identificador eletrônico. Em uma etapa de identificação de recebedor, o identificador eletrônico compara a amostra biométrica de oferta com pelo menos uma amostra biométrica registrada, para produzir uma identificação bem sucedida ou falhada do recebedor. Em uma etapa de identificação de emissor, o identificador eletrônico compara os dados de identificação de oferta de emissor com dados de identificação registrados de emissor, para produzir uma identificação bem sucedida ou falhada do emissor. Deste modo, na identificação sucessiva do recebedor e emissor, uma transação de recompensa é autorizada para pagamento de débito ou crédito de unidades de recompensa da conta de recompensa do recebedor, sem o recebedor apresentar quaisquer indicações magnéticas personalizadas feitas pelo homem, tais como cartões inteligentes ou cartões de captura magnética.
BR0008045-4A 1999-02-05 2000-02-02 Processos para autorização sem indicação magnética de uma transação de recompensa entre um emissor e um recebedor e para processar transferência de unidades de recompensa eletrônicas sem indicação magnética para um recebedor, e, dispositivo para transação sem indicação magnética de transferência eletrônica de unidades de recompensa para um recebedor BR0008045A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/244,784 US6012039A (en) 1994-11-28 1999-02-05 Tokenless biometric electronic rewards system
PCT/US2000/002783 WO2000067187A1 (en) 1999-02-05 2000-02-02 Tokenless biometric electronic rewards system

Publications (1)

Publication Number Publication Date
BR0008045A true BR0008045A (pt) 2001-11-06

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ID=22924097

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0008045-4A BR0008045A (pt) 1999-02-05 2000-02-02 Processos para autorização sem indicação magnética de uma transação de recompensa entre um emissor e um recebedor e para processar transferência de unidades de recompensa eletrônicas sem indicação magnética para um recebedor, e, dispositivo para transação sem indicação magnética de transferência eletrônica de unidades de recompensa para um recebedor

Country Status (7)

Country Link
US (1) US6012039A (pt)
EP (1) EP1222582A4 (pt)
JP (1) JP2002543533A (pt)
AU (1) AU3696500A (pt)
BR (1) BR0008045A (pt)
CA (1) CA2362234A1 (pt)
WO (1) WO2000067187A1 (pt)

Families Citing this family (227)

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CA2362234A1 (en) 2000-11-09
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