# US 10,762,187 B2 · System and method for providing secure transactional solutions

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- Number: US 10,762,187 B2
- Document ID: US10762187B2
- Status: Granted
- Kind: B2
- Application number: 14/659,502
- Filed: 2015-03-16
- Published: 2015-07-09
- Granted: 2020-09-01
- Earliest claimed: 2002-07-09
- Assignees: Neology, Inc.
- Applicants: Neology, Inc.
- Inventors: Francisco Martinez de Velasco Cortina; Manfred Rietzler
- Web page: https://patentgrep.com/patent/US10762187B2

## CPC

- G06K 7/0008: {General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer}
- G06Q 20/32: using wireless devices
- G06K 19/0723: {the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs}
- G06K 19/07758: {arrangements for adhering the record carrier to further objects or living beings, functioning as an identification tag}
- G06K 19/0776: {the adhering arrangement being a layer of adhesive, so that the record carrier can function as a sticker}
- G06K 19/07764: {the adhering arrangement making the record carrier attachable to a tyre (tyre temperature or pressure control arrangements, see B60C23/00)}
- G06K 19/10: at least one kind of marking being used for authentication, e.g. of credit or identity cards (verification of coded identity or credit cards in mechanisms actuated by them G07F7/12)
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/3674: {involving authentication}
- G07C 9/257: {electronically (G07C9/26 takes precedence)}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 2220/00: Business processing using cryptography
- H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)}
- H04W 4/80: Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
- H04W 12/00: Security arrangements; Authentication; Protecting privacy or anonymity
- H04W 12/06: Authentication
- H04W 12/08: Access security
- H04W 12/77: Graphical identity
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- 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
- G07C: TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

The present invention provides a method and system for verifying and tracking transactional information. In an embodiment of the invention, a system for delivering security solutions is provided that includes at least one of the following: a radio frequency (RF) identification device, an identification mechanism (e.g., a card, sticker), and an RF reader.

## Claims

### Claim 1

A mobile device, comprising:
short range radio frequency (RF) circuitry;
memory configured to store biometric authentication information and payment information;
a biometric module configured to read biometric information;
an authentication module configured to determine whether the biometric information read by the biometric module corresponds to the biometric authentication information stored in memory; and
a secure module configured to:
generate a key when the biometric information read by the biometric reading device is determined by the authentication module to correspond to the biometric authentication information stored in memory;
encrypt the key and the payment information stored in memory; and
provide, via the short range RF circuitry, the encrypted key and payment information for use in a transaction.

### Claim 2 (depends on 1)

The mobile device of claim 1, wherein the biometric module is configured to read biometric information provided by a user to complete the transaction.

### Claim 3 (depends on 1)

The mobile device of claim 1, wherein the payment information is associated with a primary account number.

### Claim 4 (depends on 1)

The mobile device of claim 1, wherein the secure module is configured to provide the encrypted key and payment information to a point of sale (POS) device.

### Claim 5 (depends on 1)

The mobile device of claim 1, wherein the biometric authentication information is stored separately from the payment information.

### Claim 6 (depends on 1)

The mobile device of claim 1, wherein the payment information is stored in a memory accessible only by the secure module.

### Claim 7 (depends on 1)

The mobile device of claim 1, wherein the short range RF circuitry comprises a radio frequency identification (RFID) device.

### Claim 8

A system, comprising:
a mobile device, comprising:
short range radio frequency (RF) circuitry;
memory configured to store biometric authentication information and payment information;
a biometric module configured to read biometric information;
an authentication module configured to determine whether the biometric information read by the biometric module corresponds to the biometric authentication information stored in memory; and
a secure module configured to:
generate a key when the biometric information read by the biometric reading device is determined by the authentication module to correspond to the biometric authentication information stored in memory;
encrypt the key and the payment information stored in memory; and
provide, via the short range RF circuitry, the encrypted key and payment information for use in a transaction; and
a point of sale (POS) device configured to:
receive, from the secure module, the encrypted key and payment information; and
transmit, to a central database, the encrypted key and payment information; and
a central database configured to validate the key and the payment information.

### Claim 9 (depends on 8)

The system of claim 8, wherein the biometric module is configured to read biometric information provided by a user to complete the transaction.

### Claim 10 (depends on 8)

The system of claim 8, wherein the payment information is associated with a primary account number.

### Claim 11 (depends on 8)

The system of claim 8, wherein the POS device includes an RF reader.

### Claim 12 (depends on 8)

The system of claim 8, wherein the biometric authentication information is stored separately from the payment information.

### Claim 13 (depends on 8)

The system of claim 8, wherein the payment information is stored in a memory accessible only by the secure module.

### Claim 14 (depends on 8)

The system of claim 8, wherein the short range RF circuitry comprises a radio frequency identification (RFID) device.

### Claim 15

A method for secure transactions using a mobile device, comprising:
storing biometric authentication information and payment information in memory;
reading biometric information using a biometric reader;
determining whether the biometric information read by the biometric reader corresponds to the biometric authentication information stored in memory;
generating a key when the biometric information read by the biometric reader is determined to correspond to the biometric authentication information stored in memory;
encrypting the key and the payment information stored in memory; and
providing the encrypted key and payment information for use in a transaction.

### Claim 16 (depends on 15)

The method of claim 15, further comprising reading biometric information provided by a user to complete the transaction.

### Claim 17 (depends on 15)

The method of claim 15, wherein the payment information is associated with a primary account number.

### Claim 18 (depends on 15)

The method of claim 15, further comprising providing the encrypted key and payment information to a point of sale (POS) device.

### Claim 19 (depends on 15)

The method of claim 15, wherein the biometric authentication information is stored separately from the payment information.

### Claim 20 (depends on 15)

The method of claim 15, wherein the payment information is stored in a memory accessible only by a secure module.

### Claim 21 (depends on 15)

The method of claim 15, wherein the payment information is provided using a short range RF circuitry.