# US 10,504,104 B2 · Multifunction card including biometric data, card payment terminal, and card payment system

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- Number: US 10,504,104 B2
- Document ID: US10504104B2
- Status: Granted
- Kind: B2
- Application number: 15/910,985
- Filed: 2018-03-02
- Published: 2018-07-05
- Granted: 2019-12-10
- Earliest claimed: 2015-09-03
- Assignees: Brainy Inc.
- Applicants: Brainy Inc.
- Inventors: Masashi Tanaka
- Web page: https://patentgrep.com/patent/US10504104B2

## CPC

- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/3552: {Downloading or loading of personalisation data}
- G06Q 20/3563: {Software being resident on card}
- G06Q 20/3574: {Multiple applications on card}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G07F 7/08: by coded identity card or credit card {or other personal identification means (without personal verification means G07F7/02)}
- G07F 7/0813: {Specific details related to card security}
- 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
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A multifunction card includes an integrated circuit. The integrated circuit includes a memory, a processor, and a communicator. The memory stores first software which is executed by the processor and realizes a card payment function, second software which is executed by the processor and realizes a function other than the card payment function, biometric data for a user capable of using the card payment function, and setting data which represents that biometric authentication for the first software is necessary and whether biometric authentication for the second software is necessary.

## Claims

### Claim 1

A multifunction card comprising an integrated circuit including a non-transitory memory, a processor, and a communicator, wherein the non-transitory memory stores first software executed by the processor to realize a card payment function, second software executed by the processor to realize an other function than the card payment function, biometric data for a user using the card payment function, and setting data indicative of a necessity of biometric authentication with respect to the first software and indicative of whether or not the biometric authentication is necessary with respect to the second software, and the processor receives a command from an external device via the communicator, and if the command corresponds to the first software, the processor determines that the biometric authentication is necessary with respect to the first software based on the setting data, reads the biometric data from the non-transitory memory, transmits the biometric data to the external device via the communicator, receives a first biometric authentication result with respect to the biometric data from the external device via the communicator, and transmits first data of card payment corresponding to the first software to the external device via the communicator if the first biometric authentication result indicates success, and if the command corresponds to the second software, the processor determines whether or not the biometric authentication is necessary with respect to the second software based on the setting data, transmits second data with respect to the second software to the external device via the communicator if the biometric authentication is unnecessary, reads the biometric data from the non-transitory memory and transmits the biometric data to the external device via the communicator if the biometric authentication is necessary, receives a second biometric authentication result with respect to the biometric data from the external device via the communicator, and transmits the second data with respect to the second software to the external device via the communicator if the second biometric authentication result indicates success, and wherein the processor stores history data in a non-transitory memory, and the history data includes data associating the first biometric authentication result, first software identification data indicative of the first software, and first time data corresponding to the first biometric authentication result together if the first biometric authentication result is received, or includes data associating the second biometric authentication result, second software identification data indicative of the second software, and second time data corresponding to the second biometric authentication result together if the second biometric authentication result is received.

### Claim 2 (depends on 1)

The multifunction card of claim 1, wherein the biometric data includes a plurality of biometric data corresponding to a plurality of users, the setting data indicates a grant of use of the second software if the second biometric authentication result indicates success with respect to the users, and the processor sequentially reads the plurality of the biometric data corresponding to the users granted to use the second software based on the setting data if the command corresponds to the second software, transmits the read biometric data to the external device via the communicator, receives the second biometric authentication result with respect to the read biometric data from the external device via the communicator, and transmits the second data with respect to the second software to the external device via the communicator if the second biometric authentication result indicates success.

### Claim 3 (depends on 1)

The multifunction card of claim 1, wherein the processor receives third software and data indicative of whether or not the biometric authentication is necessary with respect to the third software from an external information processing device via the communicator, stores the third software in the non-transitory memory, and adds the data to the setting data.

### Claim 4 (depends on 1)

A card payment terminal which can communicate with the multifunction card of claim 1, the terminal comprising:
a card communicator which communicates with the multifunction card storing first biometric data;
a biometric data acquirer which acquires second biometric data of a user of the multifunction card;
a payment receiver which receives a payment sum of card payment; and a processor which transmits a payment command to the multifunction card via the card communicator, receives the first biometric data from the multifunction card via the communicator, creates a biometric authentication result based on a check of the first biometric data and the second biometric data, transmits the biometric authentication result to the multifunction card via the communicator, receives at least one of user identification data indicative of the user of the multifunction card and the card identification data indicative of the multifunction card via the card communicator if the biometric authentication result indicates success, and stores the payment sum and the received data in a database.

### Claim 5 (depends on 4)

The card payment terminal of claim 4, wherein the terminal is a mobile phone.

### Claim 6 (depends on 4)

A card payment system comprising the card payment terminal of claim 4 and a server which can communicate with the card payment terminal, wherein the server preliminarily stores card use condition data with respect to the user which are set based on at least one of a card use maximum amount, card use number, and card payment region, and the server determines, based on the card use condition data and payment data transmitted from the card payment terminal, whether or not the payment data satisfies the card use condition data and allows payment if the payment data satisfies the card use condition data.

### Claim 7 (depends on 6)

The card payment system of claim 6, wherein the server compares the card use maximum amount of the user and payment sum included in the payment data, and based on a result of the comparison, executes a process to inquire whether or not the maximum amount with respect to the user is released if the payment sum exceeds the card use maximum amount.

### Claim 8 (depends on 6)

The card payment system of claim 6, wherein the server monitors the payment data of the user, and detects an error by comparing the payment data and error pattern data indicative of an error pattern of past payment data.

### Claim 9

A multifunction card comprising an integrated circuit including a non-transitory memory, a processor, and a communicator, wherein the non-transitory memory stores first software executed by the processor to realize a card payment function, second software executed by the processor to realize an other function than the card payment function, biometric data for a user using the card payment function, and setting data indicative of a necessity of biometric authentication with respect to the first software and indicative of whether or not the biometric authentication is necessary with respect to the second software, and the processor receives a command from an external device via the communicator, and if the command corresponds to the first software, the processor determines that the biometric authentication is necessary with respect to the first software based on the setting data, reads the biometric data from the non-transitory memory, transmits the biometric data to the external device via the communicator, receives a first biometric authentication result with respect to the biometric data from the external device via the communicator, and transmits first data of card payment corresponding to the first software to the external device via the communicator if the first biometric authentication result indicates success, and if the command corresponds to the second software, the processor determines whether or not the biometric authentication is necessary with respect to the second software based on the setting data, transmits second data with respect to the second software to the external device via the communicator if the biometric authentication is unnecessary, reads the biometric data from the non-transitory memory and transmits the biometric data to the external device via the communicator if the biometric authentication is necessary, receives a second biometric authentication result with respect to the biometric data from the external device via the communicator, and transmits the second data with respect to the second software to the external device via the communicator if the second biometric authentication result indicates success, and wherein the biometric data includes a plurality of biometric data corresponding to a plurality of users, the setting data indicates a grant of use of the second software if the second biometric authentication result indicates success with respect to the users, and the processor sequentially reads the plurality of the biometric data corresponding to the users granted to use the second software based on the setting data if the command corresponds to the second software, transmits the read biometric data to the external device via the communicator, receives the second biometric authentication result with respect to the read biometric data from the external device via the communicator, and transmits the second data with respect to the second software to the external device via the communicator if the second biometric authentication result indicates success.

### Claim 10 (depends on 9)

A card payment terminal which can communicate with the multifunction card of claim 9, the terminal comprising:
a card communicator which communicates with the multifunction card storing first biometric data;
a biometric data acquirer which acquires second biometric data of the user of the multifunction card;
a payment receiver which receives a payment sum of card payment; and a processor which transmits a payment command to the multifunction card via the card communicator, receives the first biometric data from the multifunction card via the communicator, creates a biometric authentication result based on a check of the first biometric data and the second biometric data, transmits the biometric authentication result to the multifunction card via the communicator, receives at least one of user identification data indicative of the user of the multifunction card and the card identification data indicative of the multifunction card via the card communicator if the biometric authentication result indicates success, and stores the payment sum and the received data in a database.

### Claim 11 (depends on 10)

The card payment terminal of claim 10, wherein the terminal is a mobile phone.