GB2478702A - Secure biometric card device - Google Patents

Secure biometric card device Download PDF

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Publication number
GB2478702A
GB2478702A GB1004158A GB201004158A GB2478702A GB 2478702 A GB2478702 A GB 2478702A GB 1004158 A GB1004158 A GB 1004158A GB 201004158 A GB201004158 A GB 201004158A GB 2478702 A GB2478702 A GB 2478702A
Authority
GB
United Kingdom
Prior art keywords
card
card reader
bluetooth
fingerprint
rtm
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
GB1004158A
Other versions
GB201004158D0 (en
Inventor
Mohammed Ayub Ullah
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to GB1004158A priority Critical patent/GB2478702A/en
Publication of GB201004158D0 publication Critical patent/GB201004158D0/en
Publication of GB2478702A publication Critical patent/GB2478702A/en
Withdrawn legal-status Critical Current

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
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • 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

Abstract

A card reader device has a biometric fingerprint scanner, Bluetooth (RTM) communications and a screen. The card reader also has memory for storing a reference fingerprint of the authorised user. The Bluetooth (RTM) communications allows data to be securely transferred to external payment systems and possibly Bluetooth (RTM)-enabled ATMs with the fingerprint authentication replacing PIN input. Statements and advertisements could be transmitted to the card reader from the ATM for display on the screen. The card reader may also be able to generate codes that are used to authenticate an online transaction. The card reader may also let the card PIN to be changed, The card reader may have a USB port and a card ejection button may also be provided. The use of a biometric fingerprint reader increases security and decreases the chance of fraud as only a registered fingerprint can be used with the device and card.

Description

Description
Secure Credit/Debit Card Device The device is a wireless Credit/Debit card payment system which requires the use of no pin numbers. The chosen name for the product is "Wireless Biometric Secure Payment Device". The Device will help prevent fraud as card details don't need to be given out over the internet, as the device is able to process this information and wirelessly pay using Bluetooth technology and fingerprint to identify the Card Holder. It is able to do this by interacting via the computer using Bluetooth and exchanging data.
This device will interact with the chip on the Credit/Debit card to register the PIN number against the finger print. Therefore each time the card is used a pin number will not be required, as the finger print will be used to verify the card is registered against that finger print. The device will also interact with the chip on the Credit/Debit card to generate temporary codes when necessary.
Generate Code Function:-the device has a special function button "Generate Code" which will be used when making payments over a telephone. This special button interacts with the chip on the Credit/Debit card and is able to generate a different code each time the function is used. The card number and sort code will need to be given to identify the account holder and branch. However the security strip number will no longer need to be used as the "Generate Code" feature will take over this matter. Therefore this increases security and prevents fraudulent activities to take place on the Credit/Debit card Bluetooth:-this technology will be used to pay over the internet using a PC/Laptop computer device which supports Bluetooth. Retailers/shops in the future may decide to use Bluetooth technology for payment methods, as it's more secure and there is no need to enter a pin number.
This also helps prevent fraudulent activities. Future ATM's may also consider offering Bluetooth technology to this device. The benefit will be no need to insert a card into the ATM, card is verified by a finger print instead of a PIN number and more efficient service information e.g. statements, mini statements, advertisements of products and services can be Bluetooth to the device. This saves on paper, costs and is environmentally friendly.
LCD/OLED screen:-this will be used to display text and graphics in colour. However if given the option to use OLED, this will consume less battery power and require less width of the device to fit the screen.
Eject Card:-when the Credit/ Debit card is inserted, this simple button is used to eject the card from the device.
Bluetooth Indicator:-this flashes blue when this function is in use, stays solid blue when this function is switched on and turns off when Bluetooth is not in use.
Battery Indicator:-this flashes red when battery level is low, flashes green when charging and stays solid green when battery is charged and in operation.
Micro USB Port:-this is used to charge the unit via a USB port or mains plug. This feature can also be used with a computer for firmware updates. The added ability to also add funds to other devices that require USB connection e.g. PS3 online store, this provides instant money transfer and improved security.
Lock:-this feature is used to lock the device when not in use, this helps avoid accidental use. This feature is also used to switch of the screen when not in use to save battery.
Insert Card:-this section of the device allows access for a Credit/Debit card to enter into the device.
Chip Reader:-this will be built inside the device to read and interact with the Credit/Debit cards chip. It will also have the ability to change the PIN on the card.
Biometric Fingerprint Scanner:-this feature is used to access and unlock the device, register a finger print alongside a card, make a Bluetooth payment, generate a code, and other system functions.
Yes/No:-these two buttons will help make a choice to confirm a payment or reject a payment, it will also be used for other system functions on the menu.
OK:-this button will bring up the menu, it will also be used to accept settings.
Built in Memory:-their will be no removable memory card, as its more secure to have the memory card built into the device. This is so that the memory card can't be lost and stored information will remain hidden inside the device. The built in memory will be used to store information.
Menu function:-this system function will allow access to add a new card, change a cards PiN, delete a card saved on the device, view account balances on a card and reset the device. The "reset" function on the menu will erase all stored card information on the device as well as fingerprints.
Battery Cover:-this will have small screws fixed to secure battery in place also for security/safety.
Battery:-The battery will be rechargeable, the battery can also be replaced if performance of battery is affected in future through its operations within the device.
The benefit of this invention is that it will help fight and prevent fraud, as it makes it more difficult to obtain secure details of a Credit/Debit card. Banks will save millions each year on fraud because this product is designed to tackle fraud.
The drawings that have been included will show and demonstrate the idea of the product. The drawings will help understand the invention and how the product will look. The drawings will also show where each function and feature has been placed on the device. This will enable to understand the idea of the product and will help exchange description against the drawings to gather a picture of how it's put together to work in such way.
GB1004158A 2010-03-15 2010-03-15 Secure biometric card device Withdrawn GB2478702A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB1004158A GB2478702A (en) 2010-03-15 2010-03-15 Secure biometric card device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB1004158A GB2478702A (en) 2010-03-15 2010-03-15 Secure biometric card device

Publications (2)

Publication Number Publication Date
GB201004158D0 GB201004158D0 (en) 2010-04-28
GB2478702A true GB2478702A (en) 2011-09-21

Family

ID=42261496

Family Applications (1)

Application Number Title Priority Date Filing Date
GB1004158A Withdrawn GB2478702A (en) 2010-03-15 2010-03-15 Secure biometric card device

Country Status (1)

Country Link
GB (1) GB2478702A (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2504267A (en) * 2012-07-22 2014-01-29 John Michael Lowe Human fingerprint authentication system for contactless transactions
WO2014149961A1 (en) * 2013-03-15 2014-09-25 Element Payment Services, Inc. Conducting a transaction at a mobile pos terminal using a defined structure

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2204971A (en) * 1987-05-19 1988-11-23 Gen Electric Co Plc Transportable security system
WO2002088931A1 (en) * 2001-04-26 2002-11-07 Audlem, Ltd. A bio-metric smart card, bio-metric smart card reader, and method of use
US20040188519A1 (en) * 2003-03-31 2004-09-30 Kepler, Ltd. A Hong Kong Corporation Personal biometric authentication and authorization device
EP1508883A2 (en) * 2003-08-21 2005-02-23 International Business Machines Corporation Credit card application automation system
GB2408235A (en) * 2002-12-20 2005-05-25 Motorola Inc Portable smartcard reader/writer with user authentication
GB2424736A (en) * 2005-04-01 2006-10-04 Lloyds Tsb Bank Plc A user authentication system
EP1865470A1 (en) * 2006-06-06 2007-12-12 CardSafe System Cardholder system with improved security functions and corresponding methods
GB2456020A (en) * 2007-12-28 2009-07-01 Leonard Maxwell Secure transaction device and system

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2204971A (en) * 1987-05-19 1988-11-23 Gen Electric Co Plc Transportable security system
WO2002088931A1 (en) * 2001-04-26 2002-11-07 Audlem, Ltd. A bio-metric smart card, bio-metric smart card reader, and method of use
GB2408235A (en) * 2002-12-20 2005-05-25 Motorola Inc Portable smartcard reader/writer with user authentication
US20040188519A1 (en) * 2003-03-31 2004-09-30 Kepler, Ltd. A Hong Kong Corporation Personal biometric authentication and authorization device
EP1508883A2 (en) * 2003-08-21 2005-02-23 International Business Machines Corporation Credit card application automation system
GB2424736A (en) * 2005-04-01 2006-10-04 Lloyds Tsb Bank Plc A user authentication system
EP1865470A1 (en) * 2006-06-06 2007-12-12 CardSafe System Cardholder system with improved security functions and corresponding methods
GB2456020A (en) * 2007-12-28 2009-07-01 Leonard Maxwell Secure transaction device and system

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2504267A (en) * 2012-07-22 2014-01-29 John Michael Lowe Human fingerprint authentication system for contactless transactions
WO2014149961A1 (en) * 2013-03-15 2014-09-25 Element Payment Services, Inc. Conducting a transaction at a mobile pos terminal using a defined structure
US10204331B2 (en) 2013-03-15 2019-02-12 Worldpay, Llc Conducting a transaction at a mobile POS terminal using a defined structure
US10546288B1 (en) 2013-03-15 2020-01-28 Worldpay, Llc Conducting a transaction at a mobile POS terminal using a defined structure
US11227276B2 (en) 2013-03-15 2022-01-18 Worldpay, Llc Conducting a transaction at a mobile POS terminal using a defined structure
US11720877B2 (en) 2013-03-15 2023-08-08 Worldpay Llc Conducting a transaction at a mobile POS terminal using a defined structure

Also Published As

Publication number Publication date
GB201004158D0 (en) 2010-04-28

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WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)