Methods and systems for conducting smart card transactions

A system for conducting smart card transactions comprising:

• a computer;
• a card management system;
• and
• at least one mobile device, wherein:
• said computer, said card management system, and said at least one mobile device are configured to communicate with each other;
• said computer is configured to
• capture biometric data from users,
• transmit biometric data captured from a user to a user mobile device, the user mobile device being associated with the user and being included in said at least one mobile device,
• monitor for mobile devices enrolled in said card management system, the monitored mobile devices being included in said at least one mobile device,
• recognize communications from said at least one mobile device as
• communications from a smart card reader containing a smart card and determine whether a recognized mobile device is activated, the recognized mobile devices being configured to conduct a smart card transaction in accordance with smart card security techniques, and
• access a website after the user is successfully authenticated;
• said card management system is configured to
• determine target information corresponding to a smart card type,
• transmit commands to said at least one mobile device,
• store target information for different smart card types,
• compare smart card identifiers received from said at least one mobile device against mobile device smart card identifiers stored therein,
• transmit target information to said at least one mobile device when the received and stored identifiers do not match, and
• activate an enrollment data record of the user stored therein after the user is successfully authenticated;
• and
• said at least one mobile device is configured to
• capture authentication data from users when said at least one mobile device is activated, and
• compare the captured authentication data against user authentication data stored therein.

A mobile communications device for emulating smart card readers containing smart cards comprising a processor and a memory, said memory being configured to store data, said communications device being associated with a network and said memory being coupled to said processor and having instructions stored therein which, when executed by said processor cause said processor to perform operations comprising:

• receiving commands transmitted from a card management system, the card management system being configured to determine target information corresponding to a smart card type and store target information for different smart card types;
• transmitting a smart card identifier for said communications device to the card management system, the card management system being further configured to compare the received identifier against mobile device smart card identifiers stored therein;
• receiving, and storing in said memory, target information from said card management system when the received and stored identifiers do not match;
• receiving biometric data captured from a user by a computer;
• authenticating the user based on the received biometric data, wherein the card management system is further configured to activate an enrollment data record of the user stored therein after the user is successfully authenticated;
• communicating with the computer such that the computer recognizes said mobile communications device as a smart card reader containing a smart card;
• when the computer determines said mobile communications device is activated, comparing authentication data captured from the user against user authentication data stored in said memory;
• and
• transmitting a successful authentication result to the computer such that the user can be granted access to a desired website.