`
`(12) United States Patent
`US 8,577,813 B2
`(10) Patent No.:
`Weiss
`*Nov. 5, 2013
`(45) Date of Patent:
`
`(54)
`(75)
`(73)
`
`(*)
`
`(21)
`
`(22)
`
`(65)
`
`(63)
`
`(60)
`
`(51)
`
`(52)
`
`(58)
`
`UNIVERSAL SECURE REGISTRY
`
`Inventor: Kenneth P. Weiss, Newton, MA (US)
`Assignee: Universal Secure Registry, LLC,
`Newton, MA (US)
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`
`Notice:
`
`This patent is subject to a terminal dis-
`claimer.
`
`Appl. No.: 13/237,184
`
`Filed:
`
`Sep. 20, 2011
`Prior Publication Data
`
`May 24, 2012
`US 2012/0130904 A1
`Related US. Application Data
`
`Continuation of application No. 12/393,586, filed on
`Feb. 26, 2009, now Pat. No. 8,234,220, which is a
`continuation-in-part of application No. 11/760,732,
`filed on Jun. 8, 2007, now Pat. No. 7,809,651, and a
`continuation-in-part of application No. 11/760,729,
`filed on Jun. 8, 2007, now Pat. No. 7,805,372, and a
`continuation-in-part of application No. 11/677,490,
`filed on Feb. 21, 2007, now Pat. No. 8,001,055,
`application
`No.
`13/237,184,
`which
`is
`a
`continuation-in-part of application No. 13/168,556,
`filed on Jun. 24, 2011, which is a continuation of
`application No. 11/677,490, filed on Feb. 21, 2007,
`now Pat. No. 8,001,055.
`
`Provisional application No. 60/812,279, filed on Jun.
`9, 2006, provisional application No. 60/859,235, filed
`on Nov.
`15, 2006, provisional application No.
`60/775,046,
`filed on Feb. 21, 2006, provisional
`application No. 61/031,529, filed on Feb. 26, 2008.
`Int. Cl.
`
`(2012.01)
`
`G06Q 20/00
`US. Cl.
`USPC ................... 705/76; 705/64; 705/71; 705/72;
`705/73; 705/74; 705/75; 705/77; 705/78;
`
`705/79
`Field of Classification Search
`USPC ................................................ 705/64, 71779
`See application file for complete search history.
`
`(56)
`
`References Cited
`U.S. PATENT DOCUMENTS
`
`4,720,860 A
`4,856,062 A
`
`1/1988 Weiss
`8/1989 Weiss
`
`(Continued)
`
`FOREIGN PATENT DOCUMENTS
`
`EP
`EP
`
`0986209
`1081632
`
`3/2000
`3/2001
`
`(Continued)
`OTHER PUBLICATIONS
`
`“Biometrics: Who’sWatchingY0u7”, Electronic Frontier Foundation
`(EFF), Sep. 2003, all pages, http://www.eff.0rg/wp/biometrics-
`whos-watching-you.
`
`(Continued)
`
`Primary Examiner 7 Calvin Cheung
`(74) Attorney, Agent, or Firm 7 Lando & Anastasi, LLP
`
`(57)
`
`ABSTRACT
`
`A device is configured to allow a user to select any of a
`plurality of accounts to employ in a financial transaction. The
`user device includes a biometric sensor configured to receive
`a biometric input, a user interface configured to receive a user
`input including secret information known to the user and
`identifying information concerning an account selected by
`the user from the plurality of accounts. The user device
`includes a communication link configured to communicate
`with a secure registry, and a processor coupled to the biomet-
`ric sensor to receive information concerning the biometric
`input, the user interface, and the communication link. The
`processor is configured to generate a non-predictable value
`and encrypted authentication information from the non-pre-
`dictable value, the identifying information, and at least one of
`the information concerning the biometric input and the secret
`information, and communicate the authentication informa-
`tion via the communication link to the secure registry.
`
`26 Claims, 29 Drawing Sheets
`
`
`
`
`
`
`
`20
`22
`25
`ROM
`
`
`
`
`
`
`CPU
`
`
`
`
`VISA - EXHIBIT 1101
`
`VISA - EXHIBIT 1101
`
`
`
`US 8,577,813 132
`
`Page 2
`
`(56)
`
`References Cited
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`{LS PATENT DOCIIMENTS
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`1/2004 Kocher
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`10/2007 Pizano et a1.
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`1/2008 Weiss
`1/2008 Hinton
`2/2008 Uzo ................................ 705/44
`5/2008 Yasaki et a1.
`9/2008 Doyle
`11/2008 Rifai
`3/2009 Scholnick et a1.
`6/2009 Sacco
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`2/2010 Jia et a1.
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`9/2012 Weiss
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`............ 713/186
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`
`GB
`wo
`wo
`wo
`W0
`wo
`wo
`wo
`wo
`
`2 382 006
`9207436
`9207436 A1
`9636934
`9636934 A1
`0214985
`0214985 A2
`2010000455 A1
`2012/037479 A9
`
`5/2003
`4/1992
`4/1992
`11/1996
`11/1996
`2/2002
`2/2002
`1/2010
`7/2012
`
`OTHER PUBLICATIONS
`
`12/1989 Weiss
`4,885,778 A
`3/1991 Weiss
`4,998,279 A
`6/1991 Weiss
`5,023,908 A
`10/1991 Weiss
`5,058,161 A
`3/1992 Weiss
`5,097,505 A
`12/1992 Weiss
`5,168,520 A
`8/1993 Weiss
`5,237,614 A
`11/1994 Weiss
`5,361,062 A
`“/1994 Weiss
`5,367,572 A
`3/1995 Borgelt
`5,398,285 A
`5,457,747 A * 10/1995 Drexler et a1.
`5,479,512 A
`12/1995 Weiss
`5,485,519 A
`1/1996 Weiss
`5,657,388 A
`8/1997 Weiss
`5,664,109 A
`9/1997 Johnson
`5,813,006 A
`9/1998 Polnerow
`5,870,723 A *
`2/1999 Pare, Jr. et a1.
`5,915,023 A
`6/1999 Bernstein
`5,971,272 A
`10/1999 Hsiao
`6,073,106 A
`6/2000 Rozen etal.
`6,088,450 A
`7/2000 Davis e131.
`6,130,621 A
`10/2000 Weiss
`6,202,055 B1
`3/2001 Houvener et a1.
`6,253,202 B1
`6/2001 Gilmour
`6,253,203 B1
`6/2001 O’Flaherty e131.
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`6,308,203 B1
`10/2001 Itabashi et 31.
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`6,950,521 B1
`9/2005 Marcovici et 31.
`7,007,298 B1
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`7,237,117 B2
`6/2007 Weiss
`7,249,112 B2
`7/2007 Berardi et a1.
`7,278,026 B2
`10/2007 McGowan
`7,412,604 B1
`8/2008 Doyle
`7,489,781 B2
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`7,548,981 B1
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`7,705,732 B2
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`7,766,223 B1
`8/2010 Mello et a1.
`7,805,372 B2
`9/2010 Weiss
`7,809,651 B2
`10/2010 Weiss
`8,001,055 B2
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`8,079,079 B2
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`
`................ 713/186
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`.................. 705/39
`
`............... 713/176
`
`2002/0178364 A1
`2002/0184538 A1
`2003/0014372 A1*
`2003/0028481 A1 *
`2003/0046540 A1
`2003/0084332 A1 >x<
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`
`11/2002 Weiss
`12/2002 Sugimura et a1.
`1/2003 Wheeler et al.
`................. 705/71
`
`2/2003 Flitcroft et a1.
`.. 705/39
`.
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`from PCT Application No. PCT/
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`US2007/004646 mailed Nov. 27, 2007.
`.
`.
`.
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`_
`_
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`from PCT Application No. PCT/
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`
`US 8,577,813 B2
`Page 3
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`(56)
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`Pabrai, U. “Biometrics for PC-User Authentication: A Primer” Feb.
`1, 2001, Access Controls & Security Systems. All pages, <http://
`www.securitysolutions.com/mag/securityibiometricsipcuseriau-
`thentication/index.html>.
`“Information Security: Challenges in Using Biometrics” Sep. 9,
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`Hungtington, G. “101 Things to Know About Single Sign On.” 2006.
`Authentication World. All pages. <http://www.authenticationworld.
`com/Single-Sign-On-Authentication/
`101ThingsToKnowAboutSingleSignOn.pdf>.
`“Single Sign on Authentication” Mar. 13, 2007. Authentication
`World. All pages. Retrieved Jul. 9, 2010 via Wayback Machine.
`<http://Web.archiveorg’web/20070313200434/http://WWW.
`authenticationworld.com/Single-Sign-On-Authentication/>.
`Pabrai, U. “Biometrics for PC-User Authentication: A Primer” Feb.
`1, 2001. Access Controls & Security Systems. All pages. <http://
`www.securitysolutions.com/mag/securityibiometricsipcuseriau-
`thentication/index.html>.
`
`Huntington, G. “101 Things to Know About Single Sign On.” 2006.
`Authentication World. All pages. <http://www.authenticationworld.
`com/Single-Sign-On-Authentication/
`101ThingsToKnowAboutSingleSignOn.pdf>.
`Kessler, G. “An Overview of Cryptography.” 22 Aug. 22, 2002. All
`pages. Retrived via Wayback Machine on Jan. 19, 2010. http://www.
`garykessler.net/library/crypto.htrnl.
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`http://wwwtbs-sctgc.ca/pki-icp/beginners/glossary-eng.asp.
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`27, 2007.
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`10, 2009.
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`pages, http://www.web.archive.org/web/20010121 155 1/http://www.
`mobileinfo.com/Bluetooth/FAthm.
`International Search Report and Written Opinion for International
`Application No. PCT/US2011/051966, 49 pages.
`
`from corresponding PCT/US2007/
`
`* cited by examiner
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 1 of 29
`
`US 8,577,813 B2
`
`12
`
`/10
`
`20
`
`22
`
`26
`
`RAM
`
`ROM
`
`78
`
`User
`Interface
`
`USR
`Software
`
`Comm.
`Port
`
`Wide
`Area
`Network
`
`16
`
`14
`
`
`
` Universal Secure
`
`Registry
`
`24
`
`30
`
`_. .30
`
`
`
`_.
`
`Person No. n
`
`.
`
`FIG.
`
`7
`
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 2 of 29
`
`US 8,577,813 B2
`
`
`
`70
`
`Computer Computer Computer
`Module
`Module
`Module
`
`USR System
`
`
`Computer Computer Computer
`Module
`Module
`Module
`
`
`
`27
`
`Interface
`Center
`
`Interface
`Center
`
`27
`
`27
`
`Interface
`Center
`
`Interface
`Center
`
`27
`
`Wide Area Network
`
`Interface
`Center
`
`Interface
`Center
`
`27
`
`27
`
`FIG. 2
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 3 of 29
`
`US 8,577,813 B2
`
`mw3..NwOw
`
`M.GE
`
`comgmn.
`
`F.02
`
`
`
`
`530882.coroELBEcoroctoups_o_ococ_.._
`
`X";8:83260.82L2:026
`8.,.28:85
`
`8:09:85
`
`Q“
`
`3
`
`323$
` cozoELouPE
`
`
`cofioctouFEcozoELouFEcozoEgot:
`
`
`
`mmmLUU/xmVEU=U><mmmoo<cozovzo>
`
`
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 4 of 29
`
`US 8,577,813 B2
`
`Financial
`Medical
`Public
`Information Information Information
`
`Computer Computer Computer
`Module
`Module
`Module
`
`Module
`
`USR System
`
`Tax
`Job
`Address
`Information Application Information
`Computer Computer Computer
`Module
`Module
`
`
`
`Tax .
`Public
`
`Information
`Information
`Wide Area Network
`
`
`Interface
`Interface
`
`Centers
`Centers
`
`
`
`
`Job Application
`Medical
`Information
`Information
`
`
`Interface
`Interface
`
`
`
`Centers
`Centers
`
`
`
`
` Financial
`
`Address
`Information
`Interface
`Centers
`
`Information
`Interface
`Centers
`
`FIG. 4
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 5 of 29
`
`US 8,577,813 B2
`
`Train the Database
`
`500
`
`Identification
`
`Validate Person’s
`
`502
`
`
`Does
`
`Person Have Rights to
`Enter Data
`
`?
`
`Yes
`
`NO
`
`504
`
`Enable Person to Enter
`
`Basic Personal Data
`
`506'
`
`
`Person Have Right
`to
`
`
`Enter Additional Data
`(7
`
`
`No
`
`
`
`Yes
`
`508
`
`Enable Person to Enter
`
`Advanced Personal Data
`
`510
`
`Enable Person to Specify Access
`
`to Advanced Personal Data
`
`FIG. 5
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 6 of 29
`
`US 8,577,813 B2
`
`Enable Access to
`
`Basic Personal Data
`
`600
`
`
`Is
`
`Additional Information
`
`602
`
`No
`
`
`
`
`
`
`Requested
`?
`
`Yes
`
`/604
`
`
`
`No
`Does Requestor
`Have Rights to Access
`
`
`Type of Requested
`Data ?
`
`
`
`/608
`
` Is Person
`No
`
`Participating in
`Transaction
`
`Yes
`
`
`
`Yes
`
`Validate Person's
`Identity
`
`512
`
`614
`
`Enable Person to
`
`
`
`Change Access
`Rights to Data
`
`
`
`
`/616
` No
`
`
`Does Requestor
`Have Rights to Access
`Type of Requested
`Data ?
`
`
`
`Cause USR to Enable
`Access to Type of
`Requested Data
`
`FIG. 6
`
`
`
`606
`
`670
`
`
`
`
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 7 of 29
`
`US 8,577,813 B2
`
`
`
`
`User Initiates Purchase
`
`
`
`User Enters Secret Code
`in Secure ID
`
`
`
`
`700
`
`702
`
`704
`
`Merchant Transmits to Credit
`
`Card Company
`
`(1) Code from Secure ID
`(2) Store Number
`(3) Amount of Purchase
`
`706
`
`Credit Card Company
`Sends Code to USR
`
`USR Determines if Code is Valid, and if
`Valid Accesses User’s Credit Card
`Information and Transmits Credit Card
`
`Number to Credit Card Company
`
`
`
`708
`
`710
`
`
`
`
`
`
`Credit Card Company Checks
`Credit Worthiness and Declines
`Card or Debits User’s Account and
`Transfers II;
`to Merchant’s Account
`
`
`
`
`
`
`
`CCC Notifies Merchant of
`Result of Transaction
`
`772
`
`FIG. 7
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 8 of 29
`
`US 8,577,813 B2
`
`800
`
`802
`
`804
`
`806
`
`808
`
`810
`
`812
`
`874
`
`User Initiates Purchase
`
`User Enters Secret Code
`in Secure lD
`
`Merchant Transmits to USR
`
`(3) Amount of Purchase
`
`(1) Code from Secure ID
`(2) Store Number
`
`USR Determines if Code is Valid
`
`USR Accesses User’s Credit Card
`Information and Transmits to CCC
`
`(1) Credit Card Number
`(2) Store Number
`(3) Amount of Purchase
`
`CCC Checks Credit Worthiness and
`
`Declines Card or Debits User's Account
`
`and Transfers ll
`
`to Merchant's Account
`
`
`
`CCC Notifies USR of
`Result of Transaction
`
`USR Notifies Merchant of
`Result of Transaction
`
`FIG. 8
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 9 of 29
`
`US 8,577,813 B2
`
`900
`
`902
`
`904
`
`
`
`
`
`
`
`User initiates Purchase and
`Writes Check to Merchant
`
`User Enters Secret Code
`in Secure ID
`
`
`
`
`
`Merchant Transmits to USR
`
`(1) Code from Secure ID
`(2) Store Number
`(3) Amount of Purchase
`
`USR Determines if Code is Valid
`
`906
`
`908
`
`910
`
`972
`
`914
`
`USR Accesses User’s Bank
`Information and Transmits to Bank
`
`(1) Bank Account Number
`(2) Store Number
`(3) Amount of Purchase
`
`
`
`Bank Checks Account Balance
`
`to Verify Availability of Funds
`
`Bank Notifies USR of
`Result of Verification
`
`USR Notifies Merchant of
`Result of Verification
`
`FIG. 9
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 10 of 29
`
`US 8,577,813 B2
`
`1000
`
`1002
`
`1006
`
`User lnitiates Anonymous Purchase
`by Entering Secret Code in Secure
`ID and Transmitting Result to
`On—Line Merchant
`
`Merchant Transmits to USR
`
`(1) Code from Secure ID
`(2) Store Number
`(3) Amount of Purchase
`
`
` 1004
`
`USR Determines if Code is Valid
`
`USR Accesses User's Credit Card
`information and Transmits to CCC:
`
`(1) Credit Card Number
`(2) Store Number
`(3) Amount of Purchase
`
`
`
`
`
`
`1008
`
`
`CCC Checks Credit Worthiness and
`Declines Card or Debits User's Account
`
`and Transfers Sit? to Merchant's Account
`
`
`
`1010
`
`
`
`CCC Notifies USR
`of Result of Transaction
`
`
`If Credit Declined,
`lf Credit Accepted, USR
`Accesses Address Code
`USR Notifies Merchant
`
`and Provides Merchant
`with Address Code
`
`
`
`
`
`
`
`Merchant Labels Package
`with Address Code and Ships
`
`
`FIG. 10
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 11 of 29
`
`US 8,577,813 B2
`
`
` User Provides Address
`
`User Provides Address Information
`
`
`
`Code on Public Area
`in Address Area of USR
`to be Mailed
`
`1100
`
`1102
`
`1104
`
`
`
`
`Person Places Public Code
`on Parcel
`
`1106
`
`
`Post Office Accesses USR
`to Retrieve Address lnformation
`
`
`
` 1108\
`1110
`
`
`
`
`17
`
`to
`Post Office Delivers Parcel
`Address in Address Area of USR
`
`Post Office Prints Bar Code
`on Parcel
`to Automate
`Delivery of Parcel
`to Address
`in Address Area of USR
`
`FIG.
`
`1200
`
`1202
`
`1204
`
`1206
`
`
`
`User Provides Telephone
`Code on Public Area
`
`
`
`
`
`User Provides Telephone Information
`in Telephone Area of USR
`
`Person Dials USR Phone Number and
`
`Enters Telephone Code for User
`
`
`
`
`
`
`
`
`
`
`
`USR Connects Person to Telephone
`Number Without Providing User
`Person with Telephone Number
`
`
`
`
`FIG. 72
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 12 0f 29
`
`US 8,577,813 B2
`
`cc:
`
`No:
`
`Vol
`
`we:
`
`no:
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`m>o._n_3mEEot<me:
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`3:62B8:85ng3coEouzom3mtEmcEFnco
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`
`
`
`
`caogmoaozmmam:mmmmmuo<mm:
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 13 of 29
`
`US 8,577,813 B2
`
`003
`
`News
`
`V02
`
`new“
`
`now“
`
`
`
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`cozoo__aa<wkom:mommmoo<mm:
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`
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`
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`Egon.BcoroELBEm30=o><
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 14 of 29
`
`US 8,577,813 B2
`
`10
`
`
`
`USR System
`
`Computer
`
`
`
`
`Electronic
`
`Device
`
`Automobile
`
`FIG. 77
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 15 of 29
`
`US 8,577,813 B2
`
`7802
`
`I Access I
`
`I Access I
`
`VH4 .~-%
`E Device E
`! Device E
`
`I
`_I
`
`|
`|
`I
`I___ .___J
`I_ _
`A
`— 7r-
`L __________ i __________
`
`7802
`
`7802
`
`
`
`
`1800
`
`/
`
`10
`
`USR System
`
`
`
`7804
`
`7804
`
`1804
`
`1304
`
`FIG. 78A
`
`1802
`
`/1802
`F‘" ‘7
`I Access I
`E Device i
`I
`I
`
`L__7|{___l
`'— ——————————
`
`7804
`
`/
`
`1810
`
`1804
`
`
`
`
`
`
`
`USR System
`
`
`
`FIG. 783
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 16 of 29
`
`US 8,577,813 B2
`
`1900\ 1902
`
`Entity Initiates Access Request
`
`Entity Supplies
`1) Authentication Info
`2) Computer Network ID
`
`1904
`
`1906
`
`1974
`
`Provide Indication that
`
`Entity is Denied Access
`
`
`
`USR Receives Access
`
`Request
`
`including
`
`1) Authentication Info
`2) Computer Network ID
`
`1908
`
`No
`
`
` ls
`
`
`Auth.
`lnfo Valid
`for a User
`
`9
`
`Yes
`
`1910
`
`
`ls Entity Authorized
`to Access the Computer Network
`Identified by the ID
`
`
`Yes
`
`
`
`
`
`
`
`
`No
`
`
`
`
`1912
`
`Allow Communications Between
`
`the Entity and Secure System
`
`FIG. 19
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 17 of 29
`
`US 8,577,813 B2
`
`2002
`
`2004
`
`2006
`
`2008
`
`2010
`
`2014
`
`2076
`
`2000 \
`
`Entity Initiates Access Request
`
`Entity Supplies
`Authentication Information
`
`Secure System Receives
`Authentication Information
`
`Secure System Communicates
`Authentication Information to USR
`
`USR Validates
`Authentication information
`
`Secure System Receives
`Indication from USR
`
`Secure System Grants or
`Denies Access Based
`
`on the Indication
`
`FIG. 20
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 18 of 29
`
`US 8,577,813 B2
`
`Responder
`
`Challenger /
`
`2700
`
`2735\
`
`r }
`
`2752‘FTEtBFch—zé'7
`
`Wireless
`
`T/R
`
`
`
`Database
`
`2740
`
`2146
`
`Blometrlc I
`
`
`Memory
`
` ___________ _l
`2738
`
`
`
`
`2142
`A. ________ .1
`
`
`Addititional
`:
`1 Wireless T/R l
`
`2754
`
`2744
`\ l___——A“_“_l
`Fiat—6332.37: Addititional
`:
`|_ ______ .1! Wireless T/R l
`L_._.__________l
`
`FIG. 27
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 19 of 29
`
`US 8,577,813 B2
`
`202
`
`
`1 /
`r—————7—7"‘{ F —/
`|
`Shutdown
`PerIodIcally
`| NOI
`Delete
`:
`Device #1
`ICommunIcote withI-—I
`Data
`L _________ J
`L§999£e£9£<1b9§§J
`
`208
`206
`204
`
`
`210
`
`272
`
`276
`274
`_ __________/ __/__
`.
`.
`"l
`'—
`PerIodIcally
`: N0}
`Delete
`Communicate Withfl
`Data
`: Secure Database :
`:
`
`
`
`’1
`
`Shutdown
`
`Device #2
`
`
`
`FIG. 22A
`
`r
`
`I :
`
`
`
`
`No
`
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 20 of 29
`
`US 8,577,813 B2
`
`
`
`218
`
`Initiate Valid
`Communication Protocol
`
`Yes
`
`220
`
`
` 222
`
`Transmit First Wireless Signal
`Containing Encrytped Authentication
`Information to Device ,2
`
`Authenticate identity of User #1
`
`i
`
`Yes
`
`226
`
`r____________________________/
`
`l
`Transmit Second Wireless Signal
`i
`Containing Encrytped Authentication I
`_______"1f9:r99£i99 {0.9999915_____ J
`
`:No F ““““““““““““““““ 1
`L--—-
`Authenticate Identity of User #2
`l
`l
`l
`____________________________ .J
`
`
`
`
`
`
`
`
`
`228/
`
`1 Yes
`
`_____________________________ _|
`
`I
`Contact Secure Database
`}
`for Information
`_____________________________ J
`
`Take Appropriate Action
`
`230/
`
`224
`
`FIG. 223
`
`
`
`US. Patent
`
`0
`
`S
`
`92f0
`
`US 8,577,813 B2
`
`
`
`nin.NR.a\\mASonn:L950V3%oEmEoE83505xwxmmo
`
`MNGt
`
`m,/En/mom//8n/En/Newm/8m
`
`
`
`
`
`
`
`
`
`Bv>mxmmomEzlvcouBGCoco_v_n_.ovooorczlocov83965Btmfivo_o__n:n_vgmvomIv
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 22 of 29
`
`US 8,577,813 B2
`
`400
`
`\
`
`
`
`
`Sense Header #1
`
`Verify Protocol
`
`
`
`I Verify/Decrypt Respondent #1
`:
`Digital Signature
`
`
`
`
`i
`:
`
` 406
`
`
`Authenticate User #1
`
`FIG. 24
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 23 of 29
`
`US 8,577,813 B2
`
`520\
`
`522
`
`Receive Public ID #1 PKI Encrypted DES
`Key, Encrypted Portion of Biodata
`
`Look Up from ID #1, Public Key #1
`
`524
`
`526
`
`528
`
`Look Up Remainder of
`Biodata Information #1
`
`
`
`Combine Biodata Information to
`Recreate Biodata Information
`
`i
`:
`
`
`
`Process Biodata information
`
`
`
` 536
`
`FIG. 25
`
`i
`{
`
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 24 of 29
`
`US 8,577,813 B2
`
`620
`
`\
`
`
`
`
`
`Receive Public Key ID #1, PKI
`Encrypted DES Key (Optional)
`
`Look Up Public Key #1
`
`
`
`Generate Non—predictable Code
`From ID1
`Information (Time—varying)
`
`622
`
`624
`
`626
`
`628
`
`6.30
`
`
`
`Transmit Public ID #1 from Device #2
`to Secure Database
`
`
`
`6.32
`
`
`Access with Secure Database at Least
`Portion of Bio Information of Entity #1
`
`
`
`
`
`
`
`Transmit Bio Information of
`
`Entity #1
`
`to Device #2
`
`Display Bio Information
`
`Process Blodata Information
`
`FIG. 26
`
`6.34
`
` 6.36
` 6.38
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 25 of 29
`
`US 8,577,813 B2
`
`720
`
`\
`
`722
`
`724
`
`726
`
`728
`
`Private Key of #2
`
`Public Keys of
`Plural 1st Entities
`
`Biodato of #2
`
`Portion of Biodato
`Files of Other Users
`
`FIG. 27
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet260f29
`
`US 8,577,813 32
`
`Q03
`
`N:
`
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`
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`
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`
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`
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`
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`US. Patent
`
`Nov. 5, 2013
`
`Sheet 27 of 29
`
`US 8,577,813 B2
`
`262
`
`264
`
`266
`
`268
`
`270
`
`
`
`Simulate Data
`
`
`
`
`Authenticate User
`
`
`
`
`
`
`Receive User
`
`Information
`L. __________________ .1
`
`
`
`
`Complete Transaction
`
`
`
`
`
`2/ 72
`
`FIG. 29
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 28 of 29
`
`US 8,577,813 B2
`
`QOM.GE
`
`
`
`00m..0:
`
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`
`
`
`
`
`US. Patent
`
`Nov. 5, 2013
`
`Sheet 29 of 29
`
`US 8,577,813 B2
`
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`
`1
`UNIVERSAL SECURE REGISTRY
`
`CROSS REFERENCE TO RELATED
`APPLICATIONS
`
`This application claims the benefit under 35 U.S.C. §120 as
`a continuation ofU.S. patent application Ser. No. 12/393,586
`filed Feb. 26, 2009, now U.S. Pat. No. 8,234,220 which is a
`continuation-in-part of each of U.S. patent application Ser.
`No. 11/760,732 filed Jun. 8, 2007, now U.S. Pat. No. 7,809,
`651; U.S. patent application Ser. No. 11/760,729 filed Jun. 8,
`2007, now U.S. Pat. No. 7,805,372; and U.S. patent applica-
`tion Ser. No. 11/677,490 filed Feb. 21, 2007, now U.S. Pat.
`No. 8,001 ,055. This application also claims the benefit under
`35 U.S.C. §120 as a continuation-in-part ofU.S. patent appli-
`cation Ser. No. 13/168,556 filed on Jun. 24, 2011, which
`claims the benefit under 35 U.S.C. §120 as a continuation of
`U.S. application Ser. No. 11/677,490 filed Feb. 21, 2007, now
`U.S. Pat. No. 8,001,055. Each of U.S. application Ser. Nos.
`11/760,732, 11/760,729 and 11/677,490 claim priority under
`35 U.S.C. §119 (e) to U.S. Provisional Application Nos.
`60/812,279 filed on Jun. 9, 2006, and 60/859,235 filed on
`Nov. 15, 2006. U.S. application Ser. No. 11/677,490 also
`claims priority under 35 U.S.C. §119 (e) to U.S. Provisional
`Application No. 60/775,046 filed on Feb. 21, 2006. Each of
`the above-identified applications is hereby incorporated
`herein by reference in its entirety.
`Application Ser. No. 12/393,586 filed Feb. 26, 2009 claims
`priority under 35 U.S.C. §119(e) to U.S. Provisional Appli-
`cation
`Ser. No.
`61/031,529,
`entitled “UNIVERSAL
`SECURE REGISTR ,” filed on Feb. 26, 2008, which is
`herein incorporated by reference in its entirety.
`
`BACKGROUND OF INVENTION
`
`1. Field of Invention
`
`Embodiments of the invention generally relate to systems,
`methods, and apparatus for authenticating identity or verify-
`ing the identity of individuals and other entities seeking
`access to certain privileges and for selectively granting privi-
`leges and providing other services in response to such iden-
`tifications/verifications.
`In addition, embodiments of the
`invention relate generally to systems and methods for obtain-
`ing information from and/or transmitting information to a
`user device and, in particular, to systems, methods, and appa-
`ratus that provide for contactless information transmission.
`2. Discussion of RelatedArt
`
`Control of access to secure systems presents a problem
`related to the identification of a person. An individual may be
`provided access to the secure system after their identity is
`authorized. Generally, access control to secure computer net-
`works is presently provided by an authentication scheme
`implemented, at least partly, in software located on a device
`being employed to access the secure computer network and
`on a server within the secure computer network. For example,
`if a corporation chooses to provide access control for their
`computer network, they may purchase authentication soft-
`ware that includes server-side software installed on a server in
`
`their computer system and corresponding client-side soft-
`ware that is installed on the devices that are used by employ-
`ees to access the system. The devices may include desktop
`computers, laptop computers, and handheld computers (e.g.,
`PDAs and the like).
`In practice, the preceding approach has a number of disad-
`vantages including both the difficulty and cost of maintaining
`the authentication system and the difficulty and cost of main-
`taining the security of the authentication system. More spe-
`
`10
`
`15
`
`20
`
`25
`
`30
`
`35
`
`40
`
`45
`
`50
`
`55
`
`60
`
`65
`
`US 8,577,813 B2
`
`2
`
`cifically, the software resides in the corporation’s computers
`where it may be subject to tampering/unauthorized use by
`company employees. That is, the information technology
`team that manages the authentication system has access to the
`private keys associated with each of the authorized users. As
`a result, these individuals have an opportunity to compromise
`the security of the system. Further, any modification and/or
`upgrade to the authentication system software is likely to
`require an update to at least the server-side software and may
`also require an update of the software located on each user/
`client device. In addition, where the company’s computer
`systems are geographically distributed, software upgrades/
`updates may be required on a plurality of geographically
`distributed servers.
`
`There is also a need, especially in this post September 11
`environment, for secure and valid identification of an indi-
`vidual before allowing the individual access to highly secure
`areas. For example, an FBI agent or an air marshal may need
`to identify themselves to airport security or a gate agent,
`without compromising security. Typically such identification
`may comprise the air marshal or FBI agent showing identifi-
`cation indicia to appropriate personnel. However, there are
`inherent flaws in this process that allow for security to be
`compromised, including falsification of identification infor-
`mation and failure ofthe airport security or other personnel to
`recognize the situation. Of course this process could be auto-
`mated, for example, by equipping airport personnel or secu-
`rity with access to a database and requiring the FBI agent or
`air marshal to appropriately identify themselves to the data-
`base, for example, by again providing identification which
`airport personnel can then enter into the database to verify the
`identity of the person seeking access to a secure area. How-
`ever, this process also has the inherent flaws in it as described
`above. In addition, there may be times when airport security
`or personnel may not be able to communicate with the data-
`base to check the identity of the person seeking access, for
`example, when they are not near a computer terminal with
`access to a database or are carrying a hand-held device that
`does not have an appropriate wireless signal to access the
`database. In addition, there is a need to ensure that if such a
`hand-held device ends up the wrong hands, that security is not
`compromised.
`Further, both commercial (e.g., banking networks) and
`non-commercial (e.g., security systems) information systems
`often rely on magnetic card readers to collect information
`specific to a user (e. g., a security code, a credit card number,
`etc.) from a user device (e.g., a transaction card). Credit card
`purchases made in person provide an example of the most
`common transaction-type that relies on a user device, the
`credit or debit card, which is read by a magnetic card reader.
`User devices that rely on magnetic-stripe based technology
`magnetically store information (e.g., binary information) in
`the magnetic stripe. The magnetic stripe reader provides an
`interface to a larger computerized network that receives the
`user’s information to determine, for example, whether to
`authorize a transaction, to allow the user access to a secure
`area, etc.
`Recently, such devices have seen technological advances
`that increase their capabilities and improve their security. For
`example, such devices may now include embedded proces-
`sors, integral biometric sensors that sense one or more bio-
`metric feature (e. g., a fingerprint) of the user, and magnetic
`stripe emulators. As one result, such devices may provide
`greater security by dynamically generating the necessary
`information, for example, generating the credit card number
`at the time of a transaction. Improved security can also be
`
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`US 8,577,813 B2
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`3
`provided by such devices because more sophisticated authen-
`tication schemes can be implemented with the devices.
`In addition, user devices such as transaction cards may now
`also provide for one or more modes of information transmis—
`sion other than transmission Via a magnetic stripe/card reader
`combination. For example, user devices that may transmit
`information optically or Via radio frequency (“RF”) signal
`transmission to a compatible system interface are now avail-
`able. Further, the architecture of a user device that includes a
`processor is generally compatible with both the improved
`security features described above and the contactless trans-
`mission modes such as optical and RF signal transmission. As
`a result of the improved security and greater functionality of
`some current user devices, there is a desire to replace mag-
`netic-stripe based user devices with devices that include
`forms of information transmission other than the reading of a
`magnetic-stripe.
`There is, however, a substantial installed base of interfaces
`(for example, at points of sale, at automatic teller machines
`(“ATM”), and the like) that include magnetic card readers
`which are not equipped to receive information from a user
`device in any other format other than from a magnetic stripe.
`As a result of the cost to replace or retrofit the installed base,
`efforts to more-widely introduce user devices that do not
`employ magnetic stripe devices have not been developed.
`Because of the potential to substantially reduce fraud, how-
`ever, the fur‘ther implementation of such devices is of grea