throbber
rffi\v
`
`3’7. \
`
`METHOD OF USING PERSONAL DEVICE WITH INTERNAL BIOMETRIC
`
`IN CONDUCTING TRANSACTIONS OVER A NETWORK
`
`SONYNJ 3.0-009
`
`BACKGROUNo OF THE INVENTION
`
`5
`
`1.
`
`Field» Of The Invention
`The present
`invention relates to Va method and'
`
`5w-
`
`10
`
`system for authorizing a transaction between two parties
`
`over a network and, more particularly,
`
`to authorizing a
`
`transaction over the network when an authorization code
`
`the
`entity,‘
`authorizing
`an
`by
`has been received
`being produced by ‘a fingerprint
`authorization code
`identification device
`in
`response
`to
`comparing f'afi
`
`fingerprint
`
`of
`
`one
`
`of
`
`the parties
`
`to
`
`a
`
`stored
`
`
`
`as
`
`4
`
`Z.‘I313::E-“
`
`
`fingerprint in the device.
`
`‘
`
`’15
`
`2.
`
`”Related Art
`
`As
`
`the use
`
`of networks,
`
`for
`
`example‘
`
`the,
`
`expanding
`become more prevalent, ‘ an\ ever
`Internet,
`quantum'of electronic commerce will be conducted between
`'users over
`these networks.
`'Typically,
`e. consumer of
`goods
`andfor
`services "electronically ' connects ito a
`
`20
`
`provider of goods and/or services over a network,
`
`for
`
`examplef by wey of
`
`a website.
`
`Using known Website
`
`browser software,
`
`the consumer may review and select
`
`25
`
`goods or
`
`services
`
`and
`
`request
`
`that
`
`such goods or-
`
`services be delivered to a specified address.
`
`1
`
`,
`
`Apple 1006
`
`

`

`SONXNJ 3.0-009
`
`The provider ofi goods or services, of course,
`
`expects to be paid for any goods or services requested
`
`'by the consumer.
`
`Typically,
`
`this is accomplished by
`
`asking the consumer
`
`to ,enter his or her credit card
`
`'number and expiration date.
`
`Sometime thereafter,
`
`and
`
`most likely after the consumer has disconnected from the
`
`provider's website,
`
`the
`
`provider
`
`telephones
`
`an
`
`authorizing entity (e.g.,
`the originator or managing
`entity) of the credit card and requests authorization to
`complete the transaction.
`In particular,
`the provider
`
`of
`goods
`number,
`amount
`
`transmits
`the credit
`and/or
`services
`card
`consumer name,
`expiration date,
`and purchase:
`to
`the ‘ authorizing
`entity
`and
`awaits
`
`The authorizing entity accesseS'
`authorization.
`the‘
`consumer's credit card account
`and verifies that
`the
`consUmer
`is
`in ggood standing and that
`the purchase.
`amount will not cause the consumer's credit balance to“
`
`exceed ,his or her
`entity's review of,
`
`‘ Ifi\ the authorizing
`limit.
`icredit
`the
`consumer's credit account, is
`
`favorable,
`
`-then authorization is ~transmitted to the
`
`provider of
`
`.goods
`
`and/or
`
`services
`
`to complete
`
`the
`
`transaction with the consumer.
`
`' Asmthe provider of goods and/or services never
`
`actually sees
`
`the
`
`consumer
`
`and'
`
`cannot
`
`assess,
`
`the
`
`.consumer
`
`in -terms of whether or .not
`
`the consumer
`
`is
`
`attempting to fraudulently utilize the credit card, both
`
`the. provider
`
`of
`
`.goods
`
`and/or
`
`services
`
`and
`
`the
`
`10
`
`
`
`HLU!I3...“
`
`i5
`
`i.
`
`“.11I!"
`
`
`
`
`
`20
`
`25
`
`

`

`,c‘x
`
`_
`
`.,l_.
`
`SONYNJ 3.0-009
`
`authorizing entity (originator of the credit card) must
`
`assume that
`
`the consumer is the authorized user of
`
`the
`
`'credit card.
`
`It is only when the authorized user of a
`
`lost or stolen credit card calls the authorizing entity
`
`(or its representative) to report the lost and/or stolen
`
`card,
`
`that
`
`fraudulent uses of
`
`the credit card may be
`
`avoided.
`
`Similar
`
`problems
`
`occur when
`
`goods
`
`and/or
`
`-services are requested and confirmed by a user of
`
`the
`
`provider's
`by .connecting with 'the
`simply
`network
`For example, when a provider of goods and/or
`website.
`requires
`services
`an
`initial
`registration with la:
`particular consumer that authorizes billing the consumer-
`
`for use of
`the website, accidental
`(or fraudulent) use.
`of the website is likely by non-authorized users. More
`particularly,
`a parent
`(authorized user) may contract‘
`with a provider of goods and/or services to permit
`the”
`
`The terms
`to utilize the‘website.
`authorized consumer
`that
`_the
`of
`the contract
`(or
`registration) may‘ be
`consumer‘s -credit card will be charged for an amount
`representing Vuse
`of
`the website
`by
`the
`authorized
`
`consumer
`
`(e.g., obtaining information from the website
`
`the only way that
`or purchasing goods). Unfortunately,
`the provider of goods and/or services knows that a user
`
`of the website is an authorized consumer is by way of an
`
`identification number (e.g., password etc:) given by the
`
`authorized consumer or automatically transmitted by the
`
`uiktfimih
` a
`
`a
`
`10'
`
`15
`
`20
`
`25
`
`

`

`éONYNJ 3.0-009
`
`authorized consumer's personal computer.
`
`Thus, any user
`
`of
`
`the
`
`authorized consumer's personal
`
`computer who
`
`' obtains
`
`the
`
`password A(if
`
`employed) may
`
`aCCGSS' the
`
`website and incur charges withOut
`authorized consumer.
`
`5
`
`the knowledge of the
`
`
`
`5
`it
`:
`
`gm
`
`10
`
`1%
`
`20
`
`‘ Accordingly,
`
`there is a need in the art for a
`
`new method and system for facilitating and authorizing
`
`network -which
`Ia
`over
`between parties
`transactions
`provides all parties to the transaction with confidence
`that
`the initiator of
`the transaction is authorized to
`
`enter into the transaction.
`
`SUMMARY OF THE INVENTION
`
`In order to overcome the disadvantages of the.
`7‘
`the present
`invention provides a method of_
`prior art,
`conducting a commercial
`transaction between a customer
`
`and a provider of goods or services over a network.
`
`‘The‘
`
`method includes the steps of:
`I
`N
`>5
`fingerprint
`.7
`providing the
`customer with \a,
`identification
`device.
`which
`produces
`'an
`authentication code’ when
`a
`fingerprint
`ofv
`the
`
`customer matches a- stored fingerprint within -the
`fingerprint identification device;
`maintaining an electronic site‘on the network
`
`25
`
`over which
`
`the
`
`customer may
`
`request
`
`goods
`
`or
`
`services from the provider of goods or services;
`
`

`

`iAmmo’cx...
`
`that
`requesting
`the
`by
`authentication'
`activating
`identification device;
`
`éONYNJ 3.0-009
`
`customer
`provide
`the
`fingerprint
`
`Ireceiving at least the authentication code and
`
`a account number of the customer at the provider of
`
`goods
`
`or
`
`services
`
`over
`
`the
`
`network
`
`froml
`
`the
`
`fingerprint identification device;
`
`transmitting the authentication code and the
`account
`number
`from the provider. of
`goods or
`
`services to a managing entity of
`the
`network
`in encrypted form,
`
`the account over
`and
`requesting
`
`authorization to complete the transaction; and
`
`‘
`
`the managing
`transaction if
`completing the
`entity of the account provides the authorizationfi
`
`Preferably,
`
`the stored fingerprint
`
`is in an
`
`encrypted format and at least.one of the authentication,
`code and account number are received over the nEtnorh_
`in an encrypted form.
`
`5
`
`1 0
`
`‘ ~s...
`
`”rm—d
`
`..
`
`15
`
`2"“:
`Rd
`. ‘?‘té
`LE
`gasz
`k?
`ii
`E=é
`3.;
`55
`as:
`he
`
`m;
`{E
`”a
`as:
`2‘“:
`‘ué
`
`.20
`
`the present
`The method of
`contemplates permittingv the' customer
`
`.invention._also
`to access
`the
`
`account.
`
`The steps according to this aspect of
`
`the'
`
`invention
`
`include:
`
`(establishing
`
`an
`
`electronic
`
`connection over the network between the customer and an
`managing entity of
`the account;
`requesting that
`the
`
`25
`
`user provide authentication to the managing entity of
`
`the
`
`account
`
`by
`
`activating
`
`the‘
`
`fingerprint
`
`identification
`
`device;
`
`receiving
`
`at
`
`least
`
`the
`
`5
`
`

`

`SONYNJ 3.0-00‘9 7
`
`authentication code
`and the
`account
`number of
`the
`customer at the managing entity of the account over the
`network from the fingerprint identification device; and
`
`permitting access to_the account if the authentication
`code is valid.
`
`5
`
`v the customer is permitted to at
`
`least‘one of
`
`‘(i)
`
`transfer funds from the account; and (ii) deposit.
`
`funds into the account, when the managing entity of the
`
`account has permitted access thereto.
`
`According to another aspec
`10 4MQ‘
`the c stomer is permitted access to an electronic safety-
`deposit box.
`The steps according' 0 this aspect of the,
`
`invention further
`include estab ishing an electronic
`
`of the invention,
`
`
`
`connection over the network bet een the customer and a'
`“is linmanaging entity of
`the electro ic safety deposit box;
`reguesting that
`the customer
`lrovide authentication to‘
`
`the managing entity of the ele tronic safety deposit bon‘
`
`identification' device;
`by activating the -fingerpr‘ t
`receiying at
`least
`the
`a thentication‘ code
`at
`,the
`
`20
`
`emanaging entity of
`
`the e ctronic .safety deposit box,
`
`
`identification
`the netWork from 't ev fingerprint
`over
`device; and permitting a case to the electronic safely
`
`deposit box if at least .he authentication code is valid
`r
`
`According
`
`to
`
`yet
`
`another
`
`aspect
`
`of
`
`the
`
`25
`
`invention,
`
`the
`
`customer
`
`is permitted to conduct
`
`‘an
`
`investment
`
`'transaction over
`
`the network.
`
`The
`
`steps
`
`according to this \aspect of
`
`the
`
`invention include:
`
`

`

`somd 3.0»009
`
`establishing} an electronic connection over
`
`the network
`
`between the customer and a settlement bank over which
`
`‘ the
`
`investor may
`
`provide
`
`investment
`
`instructions;
`
`requesting that
`
`the customer provide authentication to
`
`5
`
`the
`
`settlement
`
`bank
`
`by
`
`activating the‘
`
`fingerprint
`
`the
`least
`at
`receiving
`device;
`identification
`the
`the settlement ‘bank over
`authentication code. at
`network
`from! the
`fingerprint
`identification device;
`
`receiving investment instructions at the settlement bank
`
`:3
`
`10
`
`over the network from the customer; and -'transmitting the
`
`
`
`,:f
`L
`
`investment instructions to a third party if at least the
`
`authentication code is valid.
`
`other objects,
`
`features,
`
`and advantages will‘
`
`become apparent to those skilled in the art in light 'of;
`
`15
`
`the description herein taken in conjunction with the
`
`accompanying drawing .
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`‘
`
`‘\
`
`purposes ~
`the
`_ For
`64b all;
`
`inven ion, ”there are shown 3‘.
`V
`
`of
`
`illustrating
`
`the
`
`20
`
`the drawing forms which
`
`are presented preferred,
`
`it
`
`
`
`eing understood, however,
`
`that
`
`the
`
`invention is- n .t
`
`limited to the precise
`
`arrangementsvand inetrume alities shown.
`
`FIG.
`
`1
`
`is
`
`a block diagram illustrating a
`
`25
`
`preferred system for carrying out the invention.
`
`

`

`SONYNJ 3.0-009
`
`FIG. 2 is a schematic diagram of a fingerprint
`
`identification device which is connectable to a computer
`in accordance with the present invention.
`
`FIG.
`
`3
`
`is a flow diagram illustrating process
`
`steps for authorizing a transaction between a consumer
`
`and a provider of goods and/or services over a network
`in accordance with one aspect of the invention.
`
`FIG.
`4
`is
`a
`flow diagram illustrating a
`settlement sequence following the transaction process of
`FIG. 3.
`I
`
`FIG.
`
`5
`
`is a flow diagram illustrating process
`
`10
`
`‘Ela"
`”In:
`LE
`iu‘i:
`
`steps for facilitating an investment
`
`transaction over a
`
`network in accordance with another aspect of the preSEnt‘
`invention.
`I
`
`‘15MWW._~
`
`FIG.
`
`6
`
`is a flow diagram illustrating process
`
`steps for facilitating access to an electronic account,r
`
`such as an electronic safety deposit box,
`
`in accordance
`
`with another aspect of the present invention.
`”-4
`
`20.
`
`25'
`
`DETAILED DESCRIPTION OF THE INVENTION
`Reference
`is .now made
`Ito
`
`FIG.
`
`1 which
`
`illustrates a block diagranl of
`
`a
`
`system suitable for
`
`carrying
`
`out__the
`
`present
`
`invention.
`
`The
`
`system
`
`preferably includes a bank 10,
`
`such as‘a payor bank,
`
`settlement bank, originating bank, etc.
`
`The payor bank
`
`10 preferably includes a processing unit 22
`
`(such as a
`
`central
`
`computer,
`
`distributed
`
`computer,
`
`networked
`
`
`
`

`

`L‘A
`
`SONYNJ '3 . 0-009
`
`computer,
`
`etc.)
`
`in‘ communication with one
`
`or more
`
`interface units
`
`20‘
`
`(for example,
`
`network interfaces,
`
`,A wireless
`
`interfaces,
`
`network
`
`servers,
`
`etc.).
`
`The
`
`processing unit
`
`22
`
`is also in ‘communication with a-
`
`plurality of back office and/or electronic functional
`units,
`including,
`for example, one or more electronic
`
`safety deposit boxes 24, bank accounts 26,
`
`settlement
`
`credit/debit accounts 28,
`
`lease accounts 30, and finance
`
`accounts 325
`
`Each of
`
`the functional units preferably
`
`‘10
`
`includes one or" more databases containing information
`
`concerning
`
`the
`
`accounts
`
`‘thereof
`
`and .the
`
`customers
`
`ut'lizing them.
`
`Sfliébfli>gy7
`
`Preferably,
`
`bank
`
`10
`
`issues;
`
`_
`
`‘
`
`a’
`
`£3
`
`Lfi
`5.;
`
`éfi
`£32;5
`m}
`,2;
`
`ii...n'v.
`
`ml 5... -
`
`20
`
`25
`
`the‘ payer
`
`plurality of fingerprint identif'cation devices 50 toia
`
`52.
`
`e
`
`ard, a cellular phone, and
`a universal serial bus stick
`I
`
`[It is preferred that each‘
`
`identification evice 50 is associated with
`fingerprint
`one or more of the functional accounts of the payer bank
`10.
`For lexample,
`the, payor bank
`10 may
`issue a
`
`~-plura1ity
`
`of
`
`customers
`
`The
`
`fingerprintv
`
`identification devices may
`
`t
`
`any' of
`
`an number of*
`
`forms, e.g., a cardr a smart
`
`fingerprint
`
`identificat' n device 50
`
`to a customer 52
`
`which is ,associated w th a bank account 26.
`
`That
`
`customer
`
`52
`
`may
`
`e
`
`issued
`
`another
`
`fingerprint
`
`identification devic
`
`.
`50 associated with an electronic.
`
`safety deposit hox
`
`the payer
`
`bank
`
`1
`
`.
`
`It is understood, however,
`
`that
`
`may‘
`
`issue
`
`a asingle Vfingerprint
`
`
`
`
`
`
`)0
`
`
`

`

`' rm‘
`
`/‘\
`
`
`
`SONYNJ 3.0-009
`
`identification device 50 whi h is associated with both
`
`the bank account 26.and elec ronic safety deposit box 24
`(and any other
`functional account) without departing
`
`from the Scope of the 'inve tion.
`
`With reference to FIG.
`5 (jq‘fiflq
`ident'fication device 50 is prefer
`
`
`,
`
`ly in the form. of a
`thin box which contains information about the
`
`the,
`
`fingerprint
`
`card or
`
`owner of
`
`the device,
`
`the pay r bank,
`
`the functional
`
`anminnurumLnuni:
`
`"u
`
`E:IL.“
`
`in3;...1‘1$3..In;
`
`account number, etc.
`device
`50
`includes
`
`10
`
`fingerprint sensor
`
`51
`
`The
`ingerprint
`
`a m' reprocessor,
`
`w ‘ch
`
`are
`
`identification
`- memory,
`and
`
`interconnected and
`
`programmed in order
`to compare
`a
`fingerprint of
`the"
`customer 52 with a sto d fingerprint of that customer:-
`The card-issues an
`uthorization code only when the
`
`th
`"‘15"’"""fingerprint
`of
`customer
`52 matches
`the
`stored
`
`fingerprint.
`
`Tho e skilled in the art will appreciate
`
`
`
`nown hardware suitable to implement the
`that any of the
`
`i ntification device 50 may be employed:
`fingerprint
`
`the. disclosed in U.S. Patent Application: No.
`such "as
`
`20
`
`09/466,965,. entitled AUTHENTICATION SYSTEM; FINGERPRINT
`
`IDENTIFIC TION I UNIT,
`AND AUTHENTICATION METHOD,
`the
`
`It
`
`is most
`
`pre
`
`rred 'that
`
`the,
`
`stored
`
`
`
`f rm (e.g.,
`
`
`'fing rprint and other infor
`
`tion regarding the customer
`
`52
`
`are
`
`in encrypted
`
`using‘, known
`
`PKI
`
`Technology)
`
`and that
`
`th s encrypted information remain
`
`
`
`10
`
`h
`
`

`

`SONYNJ 3.0-0‘09
`
`encrypted when transmitted from the device 50 to any
`
`other device.
`
`It
`
`is ,preferr
`
`
`
`that
`
`the fingerprint
`
`‘ identification device 50 is con ectable to a computer 54
`
`(such as a PC)
`throughan interface 56.
`The fingerprint
`identification device 50 ma
`include a connector
`57
`
`which is matable with a co responding connector 58 on
`
`the interface 56.
`
`The int
`
`
`
`face 56 preferably receives
`
`identification device
`information. from the fing‘rprint
`50 through the connectors 57, 58 and transfers at least
`some of
`this informatio
`to the PC 54 by way of
`the
`universal serial bus
`(‘US ')
`interface.
`-
`t
`
`I
`
`the device 50 may include {an
`Alternatively,
`.
`integral interface for connecting to the computer 54 by
`“way of
`the universal serial bus
`(USE).
`Thus,
`the‘
`
`identification device 50‘
`information on the fingerprint
`mayube transmitted over a network (e.g.,
`the Internet),
`from the
`computer
`54, preferably in I encrypted form.
`(e.g., using API data transfer, PKS ‘11")x'
`fingerprint
`.
`Most
`preferably,
`the \4
`identification device 50‘ is a small,
`stand alone unit
`
`(e.g.. measuring about 815 cm x 5.4 cm x 0.9 cm and
`
`weighting about 35 grams).
`
`It
`
`is most preferred that
`
`the fingerprint sensor 51
`
`include a matrix of pixels
`
`formed in .a semiconductor chip, a'12‘8 x‘192 matrix of
`
`. pixels being preferred.
`
`Any of. the known, fingerprint
`
`matching algorithms may be employed,
`
`such as pattern
`
`matching.
`
`See,
`
`for example, U.S. Patent No. 4,582,985,
`
`5
`
`10
`
`15
`
`20
`
`25
`
`11.
`
`W”
`
`

`

`E3
`it:
`
`ii
`
`xi
`2e
`
`‘fi
`E:
`2Q
`
`SONYNJ 3.0—009
`
`entitled DATA CARRIEk,
`
`the entire disclosure of which is
`
`hereby incorporated by reference.
`
`In an alternative embodiment,
`the fingerprint
`identification device may be integral-with the interface
`56 or the interface 5s may contain separate fingerprint
`
`5
`
`identification circuitry (including sensor 51) such that
`
`the device 50
`is not
`required to execute fingerprint
`recognition and matching.
`In ‘another
`alternative
`embodiment of the invention,
`the computer 54 may contain
`
`10
`
`fingerprint
`
`identification circuitry (including sensor
`
`51)
`integrally disposed therein such that neither the
`device 50 nor
`the interface 56
`is required to execute
`fingerprint recognition and matching.
`I
`1‘
`V
`
`Referring to FIG. 1, any of
`
`the customers 52.
`
`'"may conduct
`
`transactions with one or more providers of
`
`goods and/or services,
`
`such as on—line brokerages 60,.
`
`onéline goods providers
`
`62, on-line services
`
`service
`
`\\
`providers 64, on-line investment account providers 66“
`
`providers of
`
`large capital purchases ~~~68} brick and
`
`mortar merchants
`
`70
`
`or- brick and mortar
`
`service
`
`providers 72.
`*
`3 which is a
`to FIG.
`Reference is now made
`diagram‘
`illustrating process
`steps which
`are
`
`flow‘
`
`in accordance with\the invention.
`preferably carried out
`In particular,
`the process steps illustrated in FIG.
`3
`_relate to a'-commercial
`transaction conducted over
`a
`network (such as the Internet) between a customer 52 and
`
`‘... _
`15
`
`20
`
`25
`
`12
`
`{.9
`
`
`

`

`SONYNJ 3.0-009
`
`an on—line provider of goods and/or services,
`
`such as
`
`the on-line brokerage 60,
`
`the on—line goods provider 62,
`
`- or the on-line services provider 64.
`
`'At action 100, [the customer 52 connects to the
`on—line provider of goods and/or services .60,
`62 or 64
`
`5
`
`by way of
`
`the network in a manner well known to those
`
`skilled in the art.
`
`For example,
`
`the customer 52 may
`
`utilize a personal computer
`(PC)>54 (FIG.
`2)
`,to execute
`a browser program operable to electronically connect
`to
`
`10
`
`the provider of goods, and/or services:
`a website of
`Using the browser program,
`the customer 52 may view the
`
`.62“
`goods'and/or services available from the provider '50,
`or. 64 and select particular goods or services for onev-or
`more transactions (action 102).
`‘
`
`the pro ider of goods and/or
`‘15”H’Iadbqw At action 104,
`service prompts the customer 52
`o authenticate himself
`
`
`
`or herself as being authorized 0 use a. particular mode
`
`
`for
`for making remittance,
`deposit account
`(DDA), debi
`
`\
`ample, debiting a demand
`ing a credit. card account,
`
`20
`
`3
`
`25
`
`and/or
`:goods
`provider of
`In particular,
`etc.
`t
`
`
`services prompts the oust» mer 52 to authenticate himself
`
`
`consistent With
`
`knoWn
`
`such
`
`that
`
`the
`
`evice
`
`50
`
`‘\
`
`in
`
`a manner
`
`rint identification device 50.
`by activating the finge
`the c {tomer 52 _ activates the
`u@ 4"]
`" At- action 106,
`fing rprint
`identification
`
`echniques
`
`
`identific ion
`
`fingerprint
`
`‘
`
`'device
`
`compares
`
`the
`
`customer's fingerprint with a stored fingerprint. (action
`
`
`
`

`

`SOWJ 3.0—009
`103) and produces an authoriza ion code indicating that
`
`a match exists between the c stomer's fingerprint and
`
`the stored fingerprint.> At a tion'llo,
`the customer 52
`inserts the fingerprint identification device 50 into an‘
`
`S
`
`interface devices 56
`
`(FIG.
`
`).
`
`The customer
`
`52 may
`
`alternatively
`
`authenticate
`
`himself
`
`by
`
`activating
`
`fingerprint identification ircuitry in the interface 56
`
`or in the computer 54. Wh' hever technique is employed,
`
`the customer 52 preferably uses the personal computer 54
`
`10
`
`to access the Internet.
`
`ata transfer is then conducted
`
`between the 'fingerprint
`
`identification 'device 50
`
`(or
`
`identi ication circuitry if embioyed)
`other fingerprint
`and the provider of goo s andfor services 60;
`62 or 64
`
`'15
`
`(action i123.
`least
`one
`of
`
`transfer preferably includes at.
`The dati
`the
`a thentication code,
`payer
`bank
`
`identification number
`
`customer
`
`account
`
`number,
`
`and'
`
`Vdelivery' address.
`transfer are in enc
`
`20
`
`transfer
`
`M st preferably} the data of
`ted form.
`
`\,‘
`fails: to
`52
`the customer
`‘if
`At action 114,
`the authentication ocode .to thev provider of
`
`this
`
`goods and/or services 60, 62 or 64,
`then it is preferred
`that
`the provider of goods and/or services rejects the
`
`transaction" and
`
`again
`
`requests
`
`that
`
`the
`
`customer
`
`authenticate himself
`
`(action 104).
`
`fiWhen at
`
`least
`
`the
`
`2.5
`
`authentication code is received by the provider of goods
`
`and/or services 60, 62 or 64,
`
`then the processing of the
`
`transaction is permitted to continue.
`
`14
`
`t:
`
`

`

`'
`
`Siiig Ctézxfli7Am action 116,
`
`‘
`
`"
`
`SONYNJ 3.0-069
`
`the p ovider of good and/or
`
`services 60,
`62 or-fifi preferab y transfers data to the
`payer bank 10, which data pre erably includes at
`least
`i one
`of:
`the
`authenticat on
`_ code,
`payer
`bank
`
`identification number;
`'cu
`omer
`account
`‘number,
`and
`purchase amount.
`It is me t preferred that at least the
`authentication code be p ovided to the payer bank 10.
`
`5
`
`The payer bank 10
`
`least one of
`
`the
`
`payer
`
`bank:
`
`10
`
`V
`
`
`nu; er
`(action 120),
`the purchase
`customer
`ascount
`
`amount
`(action 122)
`nd the authorization code (124)
`to
`determine whether
`ne or all of
`the‘ data are valid..
`
`the
`Most
`preferably,
`payer
`bank
`10
`analyzes
`the'
`
`authentication co e
`(action 124)
`to verify its validity
`‘15mm_,prior
`to author'zing the transaction.
`If any one or
`more of
`the da a are not valid,
`then the payer bank 10.
`
`the' analyzes at
`
`identific ion number
`
`(action 118),
`
`the
`
`preferably
`
`
`condition (ac ion 126))
`
`tablishes
`
`a
`
`negative
`
`authorization
`
`
`
`At action 128,
`
`the pay
`
`
`
`
`bank 10 preferably
`
`goods and/or services and th provider of goods and/or
`
`services determines whether the authorization condition
`
`the,
`When
`(action 132).
`is positive
`or negativ
`
`authorization conditio His negative,
`,the provider 'of
`
`serv' es
`goods
`and/or
`refuses.
`to \complete
`the
`
`
`
`transaction
`
`(acti
`
`132).
`
`Conversely,
`
`when
`
`the
`
`25
`
`authorization con ition is -positive,
`
`the' provider of
`
`15
`
`

`

`(KW
`
`,\
`
`
`goods and/or services complet
`'
`ransaction (action
`
`out
`
`in accordance with the in ention using the Isteps
`
`
`illustrated in ‘FIG.
`
`3 wit
`
`the exception of
`
`those
`
`concerning the transmissio of data from the customer 52
`
`64 over the network.
`to he provider 60, 62
`
`10 6'5 {Qfifi
`With reference to FIG. 4,
`‘nche
`the commercial
`tran action has been completed (FIG 3),
`the transaction
`
`is settled (action 150).
`
`Initial
`
`
`
`, a determination is
`
`,made as to whether the provider o
`
`goods and/or services,
`
`utilizes the payer bank 10-in s ttling its transactions
`
`~15m~ww(action 152).
`
`If
`
`it does,
`
`transaction receipt
`
`is
`
`transmitted from the provide
`
`of goods and/or serviceS‘
`
`60,
`
`62 or 64 to the payer
`
`ank 10.
`
`If not,
`
`then the
`
`provider’ of
`
`,goods
`
`and/or
`
`services may
`
`settle the:
`
`transaction through its
`
`wn bank by §transmitting the
`
`'20
`
`transaction receipt
`
`to
`
`hat
`
`(bank
`
`(action‘ 156).
`
`'The
`
`provider's
`
`bank would then transmit
`
`the
`
`transaction
`
`n
`receipt to the payer b> k 10 (action 154).
`
`1’71”? A?”
`Atriaction 159,’ the
`custom '8 account and at ac ion 160; a determination is
`
`ayor bank 10 debits the
`
`25
`
`_again made as to whether
`
`he provider of goods and/or
`
`
`
`services 60,
`
`62 or 64 uti izes the same payor bank 10 as
`
`the customer 52.
`
`If it oes,
`
`
`the payor bank 10 directly
`
`16
`
`

`

`credits the bank account
`
`f the provider of goods and/or
`
`SONYNJ,3.o-oos
`
`services
`
`(action 162).
`
`If not,
`
`the payer bank 10
`
`
`~transmits a credit to tAe bank of the provider of goods
`and/or services (actio i64)
`and that bank credits the‘
`
`provider's hank accoun 4(action 166).
`
`m3}:mi11.3''
`u...i«Lut5"
`
`“.—
`
`‘Reference is now made
`
`to FIG.
`
`5 which is a
`
`flow ‘diagranx illustrating procesS‘ steps in accordance
`
`with another aspect of
`
`the present
`
`invention._
`
`In'
`
`particular,
`the process steps represent actions to be
`taken to facilitate an investment
`transaction between a
`customer 52 and an on4line investment service provider
`
`66
`
`(FIG. 1).
`
`In accordance with the invention,
`
`the on-:
`
`line investment provider 66 may be an investment banhf'a
`brdkerage, etc., and may be located domestically or off—,
`
`'shore.
`
`Preferably,
`
`the
`
`investment
`
`transaction is
`
`conducted through the settlement
`
`bank‘ 10
`
`(the
`
`term'
`
`settlement being used to indicate that the customer's
`
`bank account
`debited
`or
`
`‘bank
`settlement
`‘Within the
`credited
`depending
`on\K the
`
`10 may» be
`investment
`
`transaction).
`
`.
`
`At action 200,
`
`the
`
`customer
`
`52 preferably
`
`accesses the settlement bank 10 via a network,
`
`such as
`
`the Internet,-using any of the known techniques. After
`the
`customer
`52
`has
`indicated that
`he or
`she
`is
`interested in conducting an investment
`transaction,
`the
`
`settlement
`
`bank
`
`10
`
`prompts
`
`the
`
`customer
`
`:52
`
`authenticate himself or herself
`
`(action 202).
`
`to
`
`In
`
`17
`
`
`
`

`

`
`
`D'-ILZE3...)?L‘".3311End!11...]!
`
`u..D"in
`
`
`5
`
`'10
`
`20
`
`25
`
`sONYNJ 3.0—009
`
`response,
`
`the
`
`customer
`
`52 preferably activates
`
`the
`
`fingerprint
`
`identification device 50
`
`(action 204) which
`
`' causes the device to compare the customer's fingerprint
`
`with a stored fingerprint
`
`(action 206)
`
`and produce an
`
`authentication code if.a match is obtained.-
`
`/
`
`1'
`
`gull 0w
`
`the
`
`ingerprint
`
`At action 208,
`
`erably inserts
`
`e
`
`50
`
`into
`
`an
`
`the customer pr
`
`identification dev
`
`transmitting data
`
`interface 56
`
`(FIG. 2)
`
`suitable. for
`
`settlement
`
`bank
`
`10,
`
`for
`
`via the universal
`
`between the fingerprint identificat'on device 50 and the
`I
`
`exampl
`
`imself
`
`
`serial bus of
`
`the computer
`
`5
`
`Alternatively/v the
`
`customer may
`
`authenticate
`
`(or
`
`herself
`
`:by:
`
`activating fingerprint
`
`ident fication circuitry in the
`
`interface 56 or in the com ter 54. Whichever technique~
`
`
`Vis employed,
`
`the custome
`
`preferably uses the computer.
`
`54‘
`to access
`preferably
`
`the Int net.
`transmi ted
`
`I At action 210, data is'
`from
`the
`fingerprintf
`
`identification
`
`de ice
`
`50
`
`(or
`
`- other
`\
`
`fingerprint
`
`identification c' cuit
`
`if employed}
`
`to “the settlement
`
`bank
`
`10,
`
`the
`
`ata
`
`including atr
`
`least 'one
`
`of
`
`the
`
`
`
`code and the customer investment account
`authenticatio'
`
`number (in e crypted form).
`
`' At
`
`'action 212,
`
`if
`
`the
`
`settlement
`
`bank
`
`10”
`
`receives the authentication code (and, if required,
`
`the
`
`investment
`
`account
`
`number),
`
`then
`
`the
`
`investment
`
`transaction is permitted to continue.
`
`If not,
`
`then the
`
`18
`
`

`

`process flows back to action 202 where the ‘customer '52
`
`SONYNJ ‘3.o~009
`
`At. action 214,)
`
`the
`
`ustomer
`
`52 preferably
`
`.provid' 5 [investment
`
`instructio
`
`to the settlement bank
`
`is again prompted to authenticatehimself or herself.
`
`
`
`flit/b Mt
`
`'
`
`,
`
`5
`
`10 over
`
`the network,
`
`such a
`
`"buy 100
`
`shares of xyz
`
`corporation" and, at
`
`action 16,
`
`the settlement bank 10
`
`transmits
`
`the instructions to the on—line
`
`investment
`
`is noted.
`It
`an in estment bank).
`(e.g.,
`nrovider 66
`that
`the investment, inst notions may‘be transmitted to
`the on—line investment 9 ovider in a way which maintains
`
`10
`
`the customer's anonymi'
`Indeed,
`the customer‘s name,
`accountnumber, etc., need not be transmitted to the.
`
`
`
`investment
`provider.
`The
`customer, «however,
`may
`
`
`instruct they settle nt bank 10 as to whether or not "he.
`
`”1'3me or she‘wishes to ma ntain such anonymity.
`(at/“(y A‘
`At action 218,
`the on-li e investment provider,
`66
`exe utes the investment
`ins ructions and does not
`
`4:31is:m
`ar»:1,"2*.KI!"(17.3!ILJir-
`
`
`I'I...“H.111$3.;HZ:EST.“J
`
`the
`
`receipt
`
`of
`
`instructions
`
`from the
`
`20
`
`At
`
`\
`require authorization because, bY‘pre‘vious agreementh~
`
`
`investment
`
`settlement ,bank 10 itself >i authorization enough.
`action 220, a transaction eceipt is transmitted to the
`
`ind ating whether
`
`eing made. At action 224,
`
`settlement
`
`bank
`
`10
`
`remittance is
`
`required'ormpayment
`
`is
`
`the
`
`settlement bank 10
`
`(2 edits 'or debits the customer's
`
`25
`
`investment account
`
`i
`
`
`accordance with the transaction '
`
`receipt
`
`and,
`
`at
`
`a tion 226,
`
`
`l9
`
`the settlement bankio
`
`

`

`debits and/or c
`
`'
`
`acc
`
`Somlio-oos
`
`e on—line investment provider's
`
`Reference is now made
`to
`«
`W5 W
`flow iagram illustrating_process
`
`7
`
`
`IG.
`
`6 which is a
`
`tops
`
`in accordance
`
`5’ with yet another aspect of
`
`the
`
`seent
`
`invention.
`
`In
`
`
`
`the process steps, epresent actions to be
`taken to facilitate access a
`electronic account nithin
`
`
`particular,
`
`the payor‘ bank 10.
`
`Pref
`
`
`
`ably,
`
`the electronic bank
`
`account is an electronic s fety deposit box 24, it being~
`understood that any of
`he functional accounts mav-be
`
`accessed in a similar
`
`the customer
`
`
`ay. At action 300,
`
`
`the payer bank 10 via the network ‘
`52 preferably accesse
`using any of the k own techniques. After the custofier
`
`10
`
`5“ErinLi
`
`nTcfiELSE
`
`52‘ has
`
`indicate
`
`
`
`that
`
`he or
`
`she
`
`is
`
`interested ’inv
`
`‘iS fquaccessing an el ctronic account {such as an electronic
`
`activates
`
`
`fingerprint
`
`identification device ‘50
`
`safety‘ deposit box 24),
`the payor bank 10 then prompts
`the
`cuStomer
`52
`to authenticate thimself or herselt
`
`\
`the customer 52 preferably
`the
`
`
`(action 302
`
`In response,
`
`20
`
`the V
`to- compare
`the Adevice
`04) which causes
`(action.
`customer 5 fingerprint with a stored fingerprint (action
`305}
`a d produce an authentication code if a match is
`
`obtaired;““*v~
`
`
`
`M}W he1
`
`At action 30h,
`
`
`
`th customer prefierably inserts
`
`f ngerprint
`
`identif‘cation device
`
`50
`
`into
`
`an
`
`interface 56'
`
`(FIG. 2)
`
`uitable for
`
`transmitting data
`
`between the fingerprin identification device 50 and the
`
`
`
`
`

`

`SONYNJ ‘3 . 0-009
`
`payer bank 10, for erample, via th universal serial bus
`
`of
`
`the‘ computer 54. Alternati ely,
`
`the customer may
`
`_authenticate
`
`himself
`
`' or
`
`h rself
`
`by
`
`activating
`
`fingerprint identification circ itry in the interfaCe 56
`or in the computer 54.“ hhiche er technique is employed,
`
`5
`
`the customer preferably uses the computer 54 to access
`
`the _Internet.
`
`
`At actio
`
`310,
`
`data
`
`is preferably
`
`identification device
`transmitted from the fing print
`50
`(or other
`fingerpri
`identification device
`if
`
`
`
`10
`
`employed)
`
`to the payer ha k 10
`
`(in encrypted form){ the
`
`
`data including at
`least
`ne of the authentication code
`and the number of the electronic acconnt.
`bank 10 receives
`
`$4400 Rfi} At aCtiOn 312,
`if the payo
`quired,
`
`‘
`
`the auth ntication code
`
`(and,
`
`if
`
`the account
`
`“15““"”nfimber),
`
`iIf not,
`
`the
`
`process flows back to action
`
`{3:221{inMi
`-a~7mm1&-
`
`"M
`
`
`
`IL.“‘LJ!WI}...£113:1!."
`
`
`then the access process ontinues.
`02 where the customer 52‘
`
`
`is again prompted to authe
`icate himself or herself{
`At action 314,
`the custom r 55 may again request accessx
`to the electronic safe
`deposit box 54Vand, at action
`
`the payer bank 1 grants the customer's request and
`316,
`permits
`the
`custo r
`to manipulate,
`receive,
`and/or
`
`transmit electro ic file(s)
`
`skilled "in,”th
`
`contained in ‘an electronic
`
`{s}.' codicilts).
`include wi
`
`20
`
`25
`
`to the account.
`
`'Those:
`
`art will appreciate
`
`that
`
`»the
`
`files
`
`box may
`safetY‘ deposit
`title to. securities or
`
`other pro erty, contract(s), certificatejs),
`
`insurance
`
`policies etc.
`
`21
`
`45V '
`
`
`

`

`Advantageously,
`
`the method and system of the
`
`SONYNJ 3.0-009
`
`present
`invention , readily provides
`for
`authorizing
`transactions over a netWork in which all parties tolthe
`
`transaction maintain
`confidence,
`that
`the
`initiator
`(e.g.,
`the customer) [of the transaction-is authorized to
`enter into the transaction.
`The transactions are not
`
`limited to commercial
`
`transactions for goods/services,
`
`mEmuMé
`
`”S
`Li
`1%:
`
`
`
`but may include investment
`
`transactions,
`
`and access to
`
`electronic -bank accounts,
`
`such. as electronic safety
`
`10
`
`deposit boxes 24, bank deposit accounts 26,
`
`settlement
`
`credit/debitaccounts 2-8, etc.
`
`Although
`
`the
`
`invention
`
`herein
`
`has
`
`been
`
`described with reference to particular embodiments/«lit
`
`‘15iir
`
`these embodiments are I'merely'
`is to be understood that
`illustrative of
`the principles and applications of
`the
`
`present
`
`invention.
`
`It
`
`is therefore to be understood
`
`the
`be made- to
`that I numerous modifications may
`illustrative embodiments and that other arrangements may.
`be devised without departing from the\“sp\irit and scope
`of
`the present
`invention_asi defined by :the appended
`
`20
`
`claims.
`
`22
`
`
`
`

`

`IS CLAIMED IS:
`, WEAK
`$(kfi? ¥¥§K
`
`1.
`
`A method of
`
`SONYNJ 3.0-009
`
`comme cial
`
`-trans ction between a customer a
`
`a provider 0
`
`.,—
` a
`authorizin
`
`
`
`
`5
`
`goods or services re
`
`sts that
`
`the cust
`
`authentication
`
`identification
`
`activating
`
`a
`
`fingerprint
`
`vice,
`
`and the provid r of Vgoods or
`
`services recei es at least an authenti
`
`tion code of the
`
`,customer
`
`over
`
`the
`
`network
`
`from the
`
`fingerprint
`
`10
`
`-
`
`identification device,
`
`the method omprising.the'steps
`
`of:
`
`providing the customer with the fingerprint-
`
`identification device which pro uces the authentication
`
`code when a fingerprint of the customer matches a stored.
`
`15'" ”fingerprint within
`
`the
`
`ingerprint
`
`identification
`
`device;;
`
`Vreceiving at
`
`set
`
`the authentication code
`
`from the provider of go ds or services over the network;
`
`and;
`
`\
`
`20
`
`,
`
`authorizi
`
`the transaction if at
`
`l

This document is available on Docket Alarm but you must sign up to view it.


Or .

Accessing this document will incur an additional charge of $.

After purchase, you can access this document again without charge.

Accept $ Charge
throbber

Still Working On It

This document is taking longer than usual to download. This can happen if we need to contact the court directly to obtain the document and their servers are running slowly.

Give it another minute or two to complete, and then try the refresh button.

throbber

A few More Minutes ... Still Working

It can take up to 5 minutes for us to download a document if the court servers are running slowly.

Thank you for your continued patience.

This document could not be displayed.

We could not find this document within its docket. Please go back to the docket page and check the link. If that does not work, go back to the docket and refresh it to pull the newest information.

Your account does not support viewing this document.

You need a Paid Account to view this document. Click here to change your account type.

Your account does not support viewing this document.

Set your membership status to view this document.

With a Docket Alarm membership, you'll get a whole lot more, including:

  • Up-to-date information for this case.
  • Email alerts whenever there is an update.
  • Full text search for other cases.
  • Get email alerts whenever a new case matches your search.

Become a Member

One Moment Please

The filing “” is large (MB) and is being downloaded.

Please refresh this page in a few minutes to see if the filing has been downloaded. The filing will also be emailed to you when the download completes.

Your document is on its way!

If you do not receive the document in five minutes, contact support at support@docketalarm.com.

Sealed Document

We are unable to display this document, it may be under a court ordered seal.

If you have proper credentials to access the file, you may proceed directly to the court's system using your government issued username and password.


Access Government Site

We are redirecting you
to a mobile optimized page.





Document Unreadable or Corrupt

Refresh this Document
Go to the Docket

We are unable to display this document.

Refresh this Document
Go to the Docket