US20150073998A1 - Use of a Biometric Image in Online Commerce - Google Patents

Use of a Biometric Image in Online Commerce Download PDF

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Publication number
US20150073998A1
US20150073998A1 US14/022,104 US201314022104A US2015073998A1 US 20150073998 A1 US20150073998 A1 US 20150073998A1 US 201314022104 A US201314022104 A US 201314022104A US 2015073998 A1 US2015073998 A1 US 2015073998A1
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US
United States
Prior art keywords
online
account
user
biometric image
biometric
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.)
Abandoned
Application number
US14/022,104
Other languages
English (en)
Inventor
Thomas Alsina
Dallas B. De Atley
Augustin J. Farrugia
Byron B. Han
Sean B. Kelly
Craig A. Marciniak
Maxim Khutornenko
Raymond N. Walsh
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.)
Apple Inc
Original Assignee
Apple Inc
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 Apple Inc filed Critical Apple Inc
Priority to US14/022,104 priority Critical patent/US20150073998A1/en
Priority to DE212014000180.3U priority patent/DE212014000180U1/de
Priority to CN201480048506.8A priority patent/CN105518729B/zh
Priority to PCT/US2014/053560 priority patent/WO2015034786A1/en
Priority to JP2016540297A priority patent/JP6441935B2/ja
Priority to EP14766081.5A priority patent/EP3014543A1/en
Priority to AU2014315423A priority patent/AU2014315423B2/en
Priority to KR1020167008818A priority patent/KR101884538B1/ko
Priority to NL2013412A priority patent/NL2013412B1/en
Priority to TW103130871A priority patent/TWI634452B/zh
Priority to CN201420515322.5U priority patent/CN204066119U/zh
Publication of US20150073998A1 publication Critical patent/US20150073998A1/en
Assigned to APPLE INC. reassignment APPLE INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: MARCINIAK, CRAIG A., FARRUGIA, AUGUSTIN J., KELLY, SEAN B., De Atley, Dallas B., ALSINA, THOMAS, HAN, BYRON B., KHUTORNENKO, Maxim, WALSH, RAYMOND N.
Priority to US14/751,097 priority patent/US20150294382A1/en
Priority to AU2016100076A priority patent/AU2016100076B4/en
Priority to HK16111209.6A priority patent/HK1223178A1/zh
Priority to US17/031,603 priority patent/US11676188B2/en
Abandoned legal-status Critical Current

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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
    • 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
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • 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
    • H04L63/083—Network architectures or network communication protocols for network security for authentication of entities using passwords
    • 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

Definitions

  • the present invention relates to electronic devices, and more particularly to a biometric sensing device included in, or connected to an electronic device. Still more particularly, the present invention relates to the use of one or more biometric data in online commerce.
  • Passwords are a common security tool for applications, websites, and devices.
  • a user-entered password must match a reference password before the user is given access or allowed to interact with an application, website, or device.
  • passwords can have a number of limitations.
  • the number of characters that can be included in the password can be limited to a maximum number, such as eight or twelve characters.
  • a user can be prohibited from using certain types of characters in their password.
  • a password may not include symbols such as a pound or hash symbol (#), an exclamation sign (!), and a percent sign (%).
  • Randomly generated passwords can be more secure than passwords that are selected by a user, but randomly generated passwords can be difficult to remember. Some users therefore prefer to select passwords that are easier to remember at the expense of security. For example, a password that includes a complete word, the user's birthday, or a company name may be easier to remember, but such passwords can also be easier to guess or discover.
  • biometric data can provide a greater level of security to a device or application compared to passwords.
  • Biometric data can also be easier to enter compared to passwords, especially randomly generated passwords and long passwords.
  • Biometric sensing devices can detect or image a unique physical or behavioral trait of a person and produce biometric data that can reliably identify the person.
  • a fingerprint includes a unique pattern of veins, ridges and valleys that can be imaged by a fingerprint sensor.
  • the image of the fingerprint, or the unique characteristics of the fingerprint is compared to previously captured reference data, such as a reference fingerprint image.
  • the identity of the person is obtained or verified when the newly captured fingerprint image matches the reference fingerprint image.
  • Embodiments described herein provide methods for authenticating a user with one or more biometric images and permitting the user to purchase from an online store using a biometric image or images.
  • image and “biometric image” are meant to encompass an image, a composite image, and other types of data that can be captured by a biometric sensing device.
  • a method for completing a purchase on an online store can include a processing device determining if a biometric image matches a reference biometric image. If the biometric image matches the reference biometric image, the processing device can countersign an online account token that is associated with an account of the user on the online store with user identifier data. The countersigned online account token indicates the purchase on the online store can be completed. The countersigned token can then be transmitted to the online store, where the user is permitted to make one or more purchases on the online store based on the countersigned online account token.
  • a system can include a processing device, a biometric sensing device operatively connected to the processing device, and one or more memories operatively connected to the processing device.
  • An online account token and user identifier data can be stored in the memory or memories.
  • the processing device can be configured to countersign the online account token with at least some of the user identifier data when a biometric image captured by the biometric sensing device matches a reference biometric image.
  • a network communications interface can be operatively connected to the processing device.
  • the processing device can then transmit the countersigned online account token to the online store using a network connection established with the network communications interface.
  • a method for authenticating a user having an account on an online store can include the online store transmitting an online account token associated with the account to an electronic device, and the online store receiving a countersigned online account token from the electronic device.
  • the countersigned online account token can indicate the identity of the user has been authenticated based on a biometric image and can indicate the biometric image is associated with the account.
  • FIG. 1 is a perspective view of one example of an electronic device that can include, or be connected to a biometric sensing device;
  • FIG. 2 is an illustrative block diagram of the electronic device 100 shown in FIG. 1 ;
  • FIG. 3 depicts an enlarged and simplified cross-sectional view of a portion of a fingerprint sensor taken along line 3 - 3 in FIG. 1 ;
  • FIG. 4 is a flowchart of a method for setting up a biometric sensing device for use in online commerce
  • FIG. 5 is a data flow diagram of the method shown in FIG. 4 ;
  • FIG. 6 is a flowchart of a method for purchasing from an online store
  • FIG. 7 is a data flow diagram of the method shown in FIG. 6 ;
  • FIG. 8 is a flowchart of a method for purchasing from an online store on an electronic device with an account established after the method of FIG. 4 has been performed on the electronic device;
  • FIG. 9 is a flowchart of a method for purchasing from an online store on an electronic device with an unknown account after the method shown in FIG. 4 has been performed on the electronic device;
  • FIG. 10 is a flowchart of a method for changing one or more settings associated with a biometric sensing device.
  • FIG. 11 is a flowchart of a method for purchasing from the online store after one or more settings for the biometric sensing device are changed.
  • Embodiments described herein permit a user to make purchases on an online store using one or more biometric images.
  • the online store can transmit an online account token to an electronic device and/or to a biometric sensing device after the user successfully enters his or her account password.
  • the electronic device or the biometric sensing device can countersign the online account token when the one or more biometric images match respective reference biometric images and the account password matches user identifier data stored in the electronic device or in the biometric sensing device.
  • the countersigned online account token can then be transmitted to the online store.
  • the user can make one or more purchases after the online store receives the countersigned online account token.
  • biometric sensing device can be included in, or connected to an electronic device.
  • a person's fingerprint, eye, DNA, vein patterns, typing speed or patterns, gait, voice, face, and heart or brain signals are examples of a physical characteristic or a behavioral trait that can be detected or imaged by a biometric sensing device.
  • a biometric sensing device can employ capacitance, ultrasonic, optical, resistive, thermal, or other sensing technologies to detect or image a biometric attribute.
  • biometric attribute is meant to encompass a physical or behavioral trait that can be detected by a biometric sensing device.
  • FIG. 1 there is shown a perspective view of one example of an electronic device that can include, or be connected to a biometric sensing device.
  • the electronic device 100 is implemented as a smart telephone.
  • Other embodiments can implement the electronic device differently, such as, for example, as a laptop or desktop computer, a tablet computing device, a gaming device, a display, a digital music player, a wearable computing device or display, and other types of electronic devices that can acquire and/or receive biometric data from a biometric sensing device.
  • the electronic device 100 includes an enclosure 102 at least partially surrounding a display 104 and one or more buttons 106 or input devices.
  • the enclosure 102 can form an outer surface or partial outer surface and protective case for the internal components of the electronic device 100 , and may at least partially surround the display 104 .
  • the enclosure 102 can be formed of one or more components operably connected together, such as a front piece and a back piece. Alternatively, the enclosure 102 can be formed of a single piece operably connected to the display 104 .
  • the display 104 can be implemented with any suitable technology, including, but not limited to, a multi-touch sensing touchscreen that uses liquid crystal display (LCD) technology, light emitting diode (LED) technology, organic light-emitting display (OLED) technology, organic electroluminescence (OEL) technology, or another type of display technology.
  • the button 106 can take the form of a home button, which may be a mechanical button, a soft button (e.g., a button that does not physically move but still accepts inputs), an icon or image on a display, and so on. Further, in some embodiments, the button 106 can be integrated as part of a cover glass of the electronic device.
  • the button 106 can include a biometric sensing device.
  • a biometric sensing device can be integrated in the button.
  • a biometric sensing device can be included in a portion of the display, or in the entire display.
  • the enclosure 102 can include one or more biometric sensing devices, such as a fingerprint sensor, a thermal sensor, and a microphone that can be used in conjunction with a voice recognition application.
  • FIG. 2 is an illustrative block diagram of the electronic device 100 shown in FIG. 1 .
  • the electronic device 100 can include the display 104 , a processing device 200 , memory 202 , an input/output (I/O) device 204 , a sensor 206 , a power source 208 , a network communications interface 210 , and a biometric sensing device 212 .
  • the display 104 may provide an image or video output for the electronic device 100 .
  • the display may also provide an input region for one or more input devices, such as, for example, a touch sensing device and/or a fingerprint sensor.
  • the display 104 may be substantially any size and may be positioned substantially anywhere on the electronic device 104 .
  • the processing device 200 can control some or all of the operations of the electronic device 100 .
  • the processing device 200 can communicate, either directly or indirectly, with substantially all of the components of the electronic device 100 .
  • a system bus or signal line 214 or other communication mechanisms can provide communication between the processing device 200 , the memory 202 , the I/O device 204 , the sensor 206 , the power source 208 , the network communications interface 210 , and/or the biometric sensing device 212 .
  • the processing device 200 can be implemented as any electronic device capable of processing, receiving, or transmitting data or instructions.
  • the processing device 200 can be a microprocessor, a central processing unit (CPU), an application-specific integrated circuit (ASIC), a digital signal processor (DSP), or combinations of such devices.
  • the term “processing device” is meant to encompass a single processor or processing unit, multiple processors, multiple processing units, or other suitably configured computing element or elements.
  • the memory 202 can store electronic data that can be used by the electronic device 100 .
  • a memory can store electrical data or content such as, for example, audio and video files, documents and applications, device settings and user preferences, timing signals, biometric images, data structures or databases, and so on.
  • the memory 202 can be configured as any type of memory.
  • the memory can be implemented as random access memory, read-only memory, Flash memory, removable memory, or other types of storage elements, or combinations of such devices.
  • the I/O device 204 can transmit and/or receive data to and from a user or another electronic device.
  • One example of an I/O device is button 106 in FIG. 1 .
  • the I/O device(s) 204 can include a display, a touch sensing input surface such as a trackpad, one or more buttons, one or more microphones or speakers, one or more ports such as a microphone port, and/or a keyboard.
  • the electronic device 100 may also include one or more sensors 206 positioned substantially anywhere on the electronic device 100 .
  • the sensor or sensors 206 may be configured to sense substantially any type of characteristic, such as but not limited to, images, pressure, light, touch, heat, movement, relative motion, biometric data, and so on.
  • the sensor(s) 208 may be an image sensor, a heat sensor, a light or optical sensor, an accelerometer, a pressure transducer, a gyroscope, a magnet, a health monitoring sensor, and so on.
  • the power source 208 can be implemented with any device capable of providing energy to the electronic device 100 .
  • the power source 208 can be one or more batteries or rechargeable batteries, or a connection cable that connects the remote control device to another power source such as a wall outlet.
  • the network communication interface 210 can facilitate transmission of data to or from other electronic devices.
  • a network communication interface can transmit electronic signals via a wireless and/or wired network connection.
  • wireless and wired network connections include, but are not limited to, cellular, Wi-Fi, Bluetooth, IR, and Ethernet.
  • the biometric sensing device 212 can be implemented as any suitable biometric sensor, scanner, and/or system.
  • the biometric sensing device can be a facial recognition device, an iris or retina scanner, a vein recognition device that can image the veins in a finger or palm, a facial biometrics scanner, and/or a thermal imaging scanner.
  • the biometric sensing device 212 can be implemented with any suitable sensing technology, including, but not limited to, capacitive, resistive, ultrasound, piezoelectric, and thermal sensing technology.
  • the biometric sensing device 212 can be connected to a secure processing system 216 .
  • the secure processing system can be included in the electronic device or in the biometric sensing device.
  • the secure processing system 216 can receive biometric images captured by the biometric sensing device.
  • the secure processing system 216 is generally used to store and manipulate secure data, including the biometric images, reference biometric images, and user identifier data associated with a user and his or her online account for an online store.
  • the processing device 200 can be prohibited from accessing the secure data and the biometric images received from the biometric sensing device, which increases the security of the data and biometric images.
  • the secure data and biometric images are inaccessible or less accessible to other programs that may be running on the processing device 200 .
  • the secure processing system can include one or more secure processors, a secure persistent memory, and a secure non-persistent memory. Any suitable processing device and memory can be used in the secure processing system 216 . Other components can be included in the secure processing system in some embodiments. Additionally or alternatively, a secure processing system can include only one memory. The secure processing system 216 is described in more detail in conjunction with FIGS. 5 and 7 .
  • the biometric sensing device can be one or more fingerprint sensors.
  • a fingerprint sensor can capture images one or more fingers, a portion of one or more fingers, and/or some or all of a palm or of a hand.
  • the fingerprint sensor is positioned at a location that a user's finger, fingers and/or hands are naturally in contact with as the user interacts with the electronic device.
  • an electronic device can include a fingerprint sensor in the display 104 , the button 106 , the enclosure 102 , and/or as a separate electronic device that is connected to the electronic device 100 .
  • the terms “image” and “biometric image” includes an image, a composite image formed with multiple images, and other types of data that can be captured by a biometric sensing device.
  • the term “fingerprint image” includes an image, a composite image, and other types of data that can be captured by a fingerprint sensor.
  • a fingerprint sensor can produce a data structure that defines the features in a fingerprint.
  • the term “fingerprint image” is meant to encompass an image or other data relating to a fingerprint of some or all of one or more fingers, some or all of a palm, some or all of a hand, and various combinations thereof.
  • the term “finger” is meant to encompass one or more fingers, some or all of a palm, some or all of a hand, and various combinations thereof.
  • FIGS. 1 and 2 are illustrative only. In other examples, an electronic device may include fewer or more components than those shown in FIGS. 1 and 2 .
  • FIG. 3 illustrates an enlarged and simplified cross-sectional view of a portion of a fingerprint sensor taken along line 3 - 3 in FIG. 1 .
  • a first layer 310 can be disposed over a dielectric layer 320 .
  • the first layer 310 can be a dielectric layer such as an exterior surface of a button or other input device (e.g., button 106 in FIG. 1 ), an exterior surface of an input device such as a trackpad or mouse, and/or a cover glass of a display (e.g., display 104 in FIG. 1 ).
  • the dielectric layer 320 can be a color layer that can be used to reduce the visibility of the electrodes and other circuitry of the fingerprint sensor.
  • the capacitive fingerprint sensor 300 can capture a fingerprint image of at least a portion of the finger 302 by measuring capacitance differences between the finger 302 and the electrodes 314 .
  • a fingerprint is generally formed from ridges 304 and valleys 306 arranged in a unique pattern.
  • the capacitance measured between a ridge 304 and one or more electrodes 314 varies from the capacitance measured between a valley 306 and one or more electrodes 314 .
  • the measured capacitance between a ridge and an electrode can be greater than the measured capacitance between a valley and an electrode because the ridge is closer to the electrode.
  • the differences in the measured capacitances can be used to distinguish between ridges and valleys and produce a fingerprint image.
  • the skin on the finger 302 includes a dead skin layer 316 disposed over a live skin layer 318 .
  • the capacitive fingerprint sensor 300 typically images the dead skin layer 316 to obtain an image of the fingerprint. However, if a portion of the dead skin layer 316 is damaged or missing, the capacitive fingerprint sensor can obtain an image of the fingerprint by imaging the live skin layer 318 by itself, or by imaging both the remaining dead skin layer 316 and the exposed live skin layer 318 .
  • a user can determine a level of security when accessing the online store with an electronic device. For example, a user can require that a sequence of fingerprints be captured and matched to a sequence of reference fingerprint images before the user can access and/or make purchases on the online store.
  • the user can specify the number of fingerprints in the sequence, which fingerprints are included in the sequence, and/or the order of the fingerprints in the sequence. For example, a user can require that two fingerprints be captured and the fingerprints to be scanned along with the order of the scans are the right index finger and the left ring finger.
  • a user can require a password be entered and matched to a reference password. Access or purchases on the online store is allowed only when a fingerprint or a sequence of fingerprints matches respective reference fingerprint images and only after the password matches the reference password.
  • FIG. 4 there is shown a flowchart of a method for setting up a biometric sensing device for use in online commerce.
  • FIG. 5 is a data flow diagram of the method shown in FIG. 4 .
  • the method shown in FIG. 4 is described with reference to a single biometric image, but those skilled in the art will recognize that other embodiments can use one or more biometric images.
  • a sequence of biometric images can be used to make purchases in an online store.
  • an account password is received at block 400 .
  • the account password can be entered by a user on an electronic device operatively connected to an online store.
  • the account password can be associated with the online store.
  • the account password can be entered through a dialog box in a user interface.
  • the account password can be transmitted by the online store to an online payment service that matches the account password to an account in the online store (see step 500 in FIG. 5 ).
  • a determination can then be made at block 402 as to whether the entered account password matches the password associated with the online account. If not, the method ends.
  • an online account token can be received from the online payment service (step 502 in FIG. 5 ).
  • a determination can then be made at block 406 as to whether the biometric sensing device is to be used with the online store. As one example, a user can be prompted to approve or reject the use of the biometric sensing device with a dialog box or menu. The method ends if the user does not want to use the biometric sensing device.
  • an enrollment process can include capturing one or more biometric images of a biometric attribute and storing at least one biometric image in memory. At least one of the entered biometric images can then be used as a reference biometric image.
  • biometric attribute is meant to encompass a physical or behavioral trait that can be detected by a biometric sensing device. As one example, when the biometric sensing device is a fingerprint sensor, a fingerprint image can be acquired and stored in memory during an enrollment process.
  • the process passes to block 414 where the online account token and user identifier data are transmitted to a secure processing system (e.g., 216 in FIG. 2 ) in the electronic device (step 506 in FIG. 5 ).
  • the user identifier data can associate or map the passcode for the biometric sensing device to the online store account.
  • the user identifier data can include the passcode set at block 408 , a universally unique identifier (UUID) associated with the biometric sensing device, and a directory services identification (DSID) that represents the user's account on the online store.
  • UUID universally unique identifier
  • DSID directory services identification
  • a hash of the DSID is included in the user identifier data instead of the DSID.
  • Other types of user identifier data can be used in other embodiments.
  • a secure processing system 216 can include a non-persistent secure memory and a persistent secure memory.
  • the online account token can be transmitted to the secure processing system 216 and stored in the non-persistent secure memory.
  • the online account token may be cleared automatically from the non-persistent secure memory each time the non-persistent memory loses power, such as when the electronic device is turned off.
  • the user identifier data can be transmitted to the secure processing system 216 and stored in the persistent secure memory.
  • FIG. 6 there is shown a flowchart of a method for purchasing from an online store.
  • FIG. 7 is a data flow diagram of the method shown in FIG. 6 .
  • the method shown in FIG. 6 is described with reference to a single biometric image, but those skilled in the art will recognize that other embodiments can use one or more biometric images.
  • a sequence of biometric images can be used to make purchases in an online store.
  • a user can set an expiration date for his or her reference biometric image.
  • the user can allow the reference biometric image or images to be used only for a set period of time. After the reference biometric image expires, a user can perform another enrollment process to create another reference biometric image.
  • an online store can require a reference biometric image to expire after a given amount of time. For example, the online store may require reference biometric images to expire as part of a fraud prevention program.
  • the method passes to block 606 where a determination is made as to whether the biometric image received at block 602 matches the reference biometric image. The method ends if the biometric image does not match the reference image. When the biometric image matches the reference image, the process continues at block 608 where a user can complete the purchase on the online store.
  • a purchase can be completed by having a processing device, such as a secure processing device, countersign the online account token stored in the first secure memory with the hash of the DSID and transmit the countersigned online account token to the online store (step 702 in FIG. 7 ).
  • the countersigned online account token can indicate the biometric image matched the reference biometric image.
  • the countersigned online account token can indicate the user is permitted to make one or more purchases on the online store and/or the purchase can be completed.
  • the online store can then transmit the countersigned online account token to the online payment service (step 704 ).
  • the online payment service can verify the online account token is countersigned, complete payment for the purchase, and then transmit a purchase confirmation notification to the online store (step 706 ).
  • the processing device can countersign and transmit the online account token immediately after the biometric image matches the reference biometric image.
  • the online account token can be countersigned in advance but not transmitted to the online store until after the biometric image matches the reference biometric image.
  • a window of time can be set in which a user can make purchases repeatedly without having to reenter a biometric image.
  • the online account token can include a timestamp that indicates a start time for the window.
  • a fifteen minute window can be created where a user can make multiple purchases. The window can then close after fifteen minutes and the user will have to re-enter his or her biometric image to complete any other purchases.
  • FIG. 8 there is shown a flowchart of a method for purchasing from an online store on an electronic device with an established account after the method of FIG. 4 is performed on the electronic device.
  • a user can enter an online account password to complete a first purchase after performing the embodiment shown in FIG. 4 , and thereafter use a biometric image to complete future purchases.
  • a user enters his or her online account password at block 800 and a determination is made as to whether the online account password matches the user identifier data stored in a memory, such as the second secured memory shown in FIG. 5 .
  • the method ends when the account password does not match the user identifier data.
  • the process continues at block 804 where user is now able to make purchases on the online store.
  • a purchase can be completed using the steps 702 , 704 , 706 described in conjunction with FIG. 7 .
  • the online account is set up to permit purchases based on the receipt and matching of biometric images.
  • FIG. 9 is a flowchart of a method for purchasing from an online store on an electronic device with an unknown account after the method shown in FIG. 4 has been performed on the electronic device.
  • a user enters his or her online account and account password at block 900 . Since this account has not been set up to permit purchases based on biometric images, the online account does not match the user identifier data previously created (e.g., at block 414 in FIG. 4 ) (block 902 ).
  • blocks 904 and 906 a user can enter the passcode for the biometric sensing device and a determination may be made as to whether the entered passcode matches the previously created user identifier data. The method ends if the passcode does not match the user identifier data.
  • the process can continue at block 908 where the online account token and user identifier data can be transmitted to a processing system, such as the secure processing system 216 (step 506 in FIG. 5 ).
  • the biometric sensing device is mapped to the online store account using the matching passcode.
  • the user identifier data can include the matching passcode, a universally unique identifier (UUID) associated with the biometric sensing device, and a directory services identification (DSID) that represents the user's account on the online store.
  • UUID universally unique identifier
  • DSID directory services identification
  • a hash of the DSID is included in the user identifier data instead of the DSID.
  • the online account and electronic device are now set up to permit purchases based on the receipt and matching of biometric images (block 910 ), and the method ends.
  • FIG. 10 there is shown a flowchart of a method for changing one or more settings associated with a biometric sensing device.
  • the user enters the passcode for the biometric sensing device at block 1000 .
  • a determination can then be made at block 1002 as to whether the entered passcode matches the passcode in the user identifier data.
  • the method ends if the passcode does not match the passcode in the user identifier data.
  • the process continues at block 1004 where one or more settings for the biometric sensing device can be changed. For example, a user can add a biometric image of a new biometric attribute, such as an image of a new finger. Similarly, a user can delete a biometric image.
  • the online account token can be deleted from the secure processing system and the user identifier data invalidated.
  • the method ends after block 1006 .
  • a UUID is associated with each new biometric image.
  • the user identifier data may be invalidated because the UUID can change based on the modified setting or settings.
  • FIG. 11 is a flowchart of a method for purchasing from the online store after one or more settings for the biometric sensing device are changed.
  • the method of FIG. 11 can also be performed after the biometric sensing device and/or the electronic device being used to access the online account is rebooted.
  • a user can be prompted for his or her password and a reason as to why the password must be entered can be provided to the user (block 1100 ).
  • the phrase “biometric sensing device settings were changed” can be displayed to the user.
  • the phrase “biometric sensing device was rebooted” can be displayed to the user.
  • the user enters his or her online password for the online store.
  • a determination can then be made at block 1104 as to whether the entered account password matches the password stored in the user identifier data (e.g., user identifier data stored in persistent secure memory). The method ends if the password does not match the user identifier data.
  • the process passes to block 1106 an online account token can be transmitted to a secure processing device.
  • the user identifier data does not have to be remapped because the same account password is associated with user identifier data.
  • the user is now permitted to make purchases based on a biometric image (block 1108 ), and the method ends.
  • the online account password can be deleted from the secure processing system when a user signs out of the online store or logs off the electronic device.
  • the user identifier data can still be stored in the secure processing system when the user identifier data is stored in a persistent memory.

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US14/022,104 US20150073998A1 (en) 2013-09-09 2013-09-09 Use of a Biometric Image in Online Commerce
KR1020167008818A KR101884538B1 (ko) 2013-09-09 2014-08-29 온라인 거래에서 생체학적 이미지의 이용
CN201480048506.8A CN105518729B (zh) 2013-09-09 2014-08-29 在线商业中生物特征图像的用途
PCT/US2014/053560 WO2015034786A1 (en) 2013-09-09 2014-08-29 Use of a biometric image in online commerce
JP2016540297A JP6441935B2 (ja) 2013-09-09 2014-08-29 オンライン取引における生体画像の使用
EP14766081.5A EP3014543A1 (en) 2013-09-09 2014-08-29 Use of a biometric image in online commerce
AU2014315423A AU2014315423B2 (en) 2013-09-09 2014-08-29 Use of a biometric image in online commerce
DE212014000180.3U DE212014000180U1 (de) 2013-09-09 2014-08-29 Verwendung eines biometrischen Bildes im Online-Handel
NL2013412A NL2013412B1 (en) 2013-09-09 2014-09-04 Use of a biometric image in online commerce.
TW103130871A TWI634452B (zh) 2013-09-09 2014-09-05 於線上商務中使用生物識別影像
CN201420515322.5U CN204066119U (zh) 2013-09-09 2014-09-09 一种包含生物计量感测设备的系统
US14/751,097 US20150294382A1 (en) 2013-09-09 2015-06-25 Biometric Image in Online Commerce
AU2016100076A AU2016100076B4 (en) 2013-09-09 2016-01-27 Use of a biometric image in online commerce
HK16111209.6A HK1223178A1 (zh) 2013-09-09 2016-09-23 在線商業中生物特徵圖像的用途
US17/031,603 US11676188B2 (en) 2013-09-09 2020-09-24 Methods of authenticating a user

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