Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
H04L-009/32
G06F-015/700
출원번호
US-0008122
(1998-01-16)
발명자
/ 주소
Maes Stephane Herman
Sedivy Jan,CSX
출원인 / 주소
International Business Machines Corporation
대리인 / 주소
F. Chau & Associates, LLP
인용정보
피인용 횟수 :
688인용 특허 :
20
초록▼
The present invention is a portable client PDA with a touch screen or other equivalent user interface and having a microphone and local central processing unit (CPU) for processing voice commands and for processing biometric data to provide user verification. The PDA also includes a memory for stori
The present invention is a portable client PDA with a touch screen or other equivalent user interface and having a microphone and local central processing unit (CPU) for processing voice commands and for processing biometric data to provide user verification. The PDA also includes a memory for storing financial and personal information of the user and I/O capability for reading and writing information to various cards such as smartcards, magnetic cards, optical cards or EAROM cards. The PDA includes a Universal Card, which is common generic smartcard with a unique imprint provided by a service provider, on which selected financial or personal information stored in the PDA can be downloaded to perform certain consumer transactions. The PDA includes a modem, a serial port and/or a parallel port so as to provide direct communication capability with peripheral devices (such as POS and ATM terminals) and is capable of transmitting or receiving information through wireless communications such as radio frequency (RF) and infrared (IR) communication. The present invention is preferably operated in two modes, i.e., a client/server mode and a local mode. The client/server mode is periodically performed to download a temporary digital certificate (which is necessary to access selected information stored in the PDA and to write such information to the Universal Card) from a central server of the service provider of the PDA and Universal Card. Next, the local mode of operation is performed by providing the PDA with biometric data and selecting one of the pre-enrolled credit cards that are stored in the PDA. Upon biometric verification, the Universal Card is written with the selected card information, which is then used to initiate a consumer transaction. In the absence of an unexpired digital certificate, however, the selected card information will not be written to the Universal Card, notwithstanding that the user may have passed local biometric verification.
대표청구항▼
[ What is claimed is:] [1.] A portable information and transaction processing device, comprising:a central processing unit;a memory device, operatively coupled to said central processing unit, for storing transaction information comprising one of financial information, personal information, and a co
[ What is claimed is:] [1.] A portable information and transaction processing device, comprising:a central processing unit;a memory device, operatively coupled to said central processing unit, for storing transaction information comprising one of financial information, personal information, and a combination thereof;communication means for establishing a communication link with a central server of a service provider, disposed at a remote location, to download a temporary digital certificate issued by said service provider;a user interface, operatively coupled to said central processing unit, for selecting at least a portion of said transaction information;a card reader;a universal card having a unique card number designated to a subscribing user of said service provider, wherein the universal card is inserted into said card reader to receive said selected portion of said transaction information; andprogramming means, executable by said central processing unit, for determining if said temporary digital certificate is valid, for writing said selected portion of said transaction information to said universal card if said temporary digital certificate is deemed valid, and for preventing said selected portion of said transaction information from being written to said universal card when said temporary digital certificate is deemed invalid.
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이 특허에 인용된 특허 (20)
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