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Patent for Sale:

Fingerprint Secured Credit Card Technology    

This patent portfolio provides a new method of protection from credit card fraud or credit card loss without requiring the consumer to change behavior.

Overview

The problem with the current credit card technology is the information exchange is subject to human error. Security of the exchange is compromised due to uncontrolled information flow, and the initiation of data exchange is not secured while it is most vulnerable (e.g. ATM finance transaction).

This patent portfolio provides a new method of protection from credit card fraud or credit card loss without requiring the consumer to change their behavior. The simple fingerprint scanning feature is added to the traditional credit card. The information on the card and the personal finger print image are transmitted for the authentication. A lost or stolen card could not be processed - the fingerprint of the person swiping the card must match that of the cardholder.

In the use of internet payment or ATM, the authentication is secured by holding the card to the camera of: an ATM, workstation or smart phone.

This portfolio technology can be used to secure documents such as passport, access badges (hotel, building, etc). The security level of the fingerprint authentication can be set by the authentication algorithm.

The advantages of this secure biometric credit card is that a traditional credit card can include an RFID smart card - the imaging sensor will transmit the user’s fingerprint impression when it is used. It identifies the card owner by their fingerprint impressions on either side of the card. The user's behavior can remain the same because there is no additional action needed for using this card. The card provides protection to the cardholder and issuing banks from the large loss of user data by breaches in network security.

Primary Application of the Technology

Credit Card Services, Banks & Stores Credit Cards
- Department store cards - Target, Walmart, Macy's, Sears, etc
- Bank cards, ATM, cash machines, debit cards
- AMEX, Visa, MasterCard, JCB

Security ID card
- National ID cards, Airport personnel, FBI, CIA (replace security tokens)

Smart Phones, Mobile Devices, ATMs
- Simply touch the phone next to an NFC

On-Line Payment Services
- PayPal, any remote payment systems
- On-line Commerce companies (e.g. e-Bay)

The seller may consider selling these patents individually.

Additional Information

Two of the patent applications have now been allowed.

Patent Summary

U.S. Patent Classes & Classifications Covered in this listing:

Class 382: Image Analysis

This is the generic class for apparatus and corresponding methods for the automated analysis of an image or recognition of a pattern. Included herein are systems that transform an image for the purpose of (a) enhancing its visual quality prior to recognition, (b) locating and registering the image relative to a sensor or stored prototype, or reducing the amount of image data by discarding irrelevant data, and (c) measuring significant characteristics of the image.

Subclass 124: Using a fingerprint
Subclass 125: Extracting minutia such as ridge endings and bifurcations
Subclass 126: With a guiding mechanism for positioning finger

Class 340: Communications: Electrical

Communications - the handling of information or intelligence, restricted to the conveying of said information or intelligence between geographically spaced points. Information or intelligence is defined as being, matter which is handled by signaling systems or signaling devices (such as telegraph systems) or by that portion of nonsignaling systems or nonsignaling devices (such as power supply systems) which is designated in the arts as having a control function (such as the supervisory circuits which control the circuit breakers of an electric power network). Handling, as used above, is defined as being the active coaction between the tangible communication system or device and the intangible information or intelligence, and such coaction may assume various forms, such as transmission, storage, exhibiting, etc.

Subclass 5.82: Biometrics
Subclass 5.83: Image (Fingerprint, Face)

Class 358: Facsimile And Static Presentation Processing

Communication or reproduction of a static image or sequence of static images in which the local light, or density variations composing the image do not vary with time by a method or apparatus involving at least one of the following steps: (1) scanning a static image to capture an image-containing area by resolving it into an area; (2) communication of an image-representative signal or image-representative data over any supporting communication network; or (3) reproduction of an image-containing area in response to an image-representative signal or image-representative image data by reproducing a corresponding image area which at least one of the two dimensions is elemental, simultaneously or in a sequence. In this class, a facsimile system or method is a system or method for the communication or reproduction of an arbitrarily composed image in which the local light, or density variations composing the image do not vary with time, such as documents maps, charts, photographs, etc., but not motion picture film or video.

Subclass 475: Facsimile illumination control

Class 257: Active Solid-State Devices (E.G., Transistors, Solid-State Diodes)

This class provides for active solid-state electronic devices, that is, electronic devices or components that are made up primarily of solid materials, usually semiconductors, which operate by the movement of charge carriers - electrons or holes - which undergo energy level changes within the material and can modify an input voltage to achieve rectification, amplification, or switching action, and are not classified elsewhere.

Subclass 431: Light
Subclass 444: Light sensor elements overlie active switching elements in integrated circuit (e.g., where the sensor elements are deposited on an integrated circuit)
Subclass E31.11: Detail of nonsemiconductor component of radiation-sensitive semiconductor device (EPO)
Subclass E31.111: Input/output circuit of device (EPO)
Subclass E27.129: In a repetitive configuration (EPO)
Subclass E27.132: Pixel-elements with integrated switching, control, storage, or amplification elements (EPO)

Class 136: Batteries: Thermoelectric And Photoelectric

The generic class for primary, secondary, and thermal batteries. It includes the structure of the generator or battery itself, the elements thereof, the methods of preparation, operation, and details, and accessories not provided for in other classes.

Subclass 244: Panel or array
Subclass 252: Cells

Class 438: Semiconductor Device Manufacturing: Process

This class provides for manufacturing a semiconductor containing a solid-state device for the following purposes: (a) conducting or modifying an electrical current, (b) storing electrical energy for subsequent discharge within a microelectronic integrated circuit, or (c) converting electromagnetic wave energy to electrical energy or electrical energy to electromagnetic energy. Also operations involving: (1) coating a substrate with a semiconductive material, or (2) coating a semiconductive substrate or substrate containing a semiconductive region. It also provides for operations involving etching a semiconductive substrate or etching a substrate containing a semiconductive region. The class provides for packaging or treatment of packaged semiconductor.

Subclass 59: Having diverse electrical device

Class 455: Telecommunications

This is the generic class for modulated carrier wave communications not elsewhere classifiable.

Subclass 41.2: Short range RF communication

Class 235: Registers

Machines employed for ascertaining the number of movements of various devices or machines; also, indicating devices where the purpose is to disclose the numerical extent or quantity of movement of a machine and where the device is separate and independent of the machine whose movements are to be noted; also organized machines, such as, cash-registers, fare-registers, voting machines and calculators having registering or counting devices as essential or important elements and having in addition certain other features necessary to make up the complete machines for the purposes desired.

Subclass 375: SYSTEMS CONTROLLED BY DATA BEARING RECORDS
Subclass 380: Credit or identification card systems
Subclass 437: Error checking
Subclass 462.01: Bar code
Subclass 462.07: Means to decode multiple types or formats of bar code symbols (e.g., UPC, JAN, EAN, etc.)
Subclass 462.11: Including an imager (e.g., CCD or camera-type reader)
Subclass 462.42: Illumination detail (e.g., LED array)
Subclass 462.45: Hand-held (e.g., portable)
Subclass 487: RECORDS
Subclass 492: Conductive
Subclass 493: Magnetic

Class 713: Electrical Computers And Digital Processing Systems: Support

Subclass 164: Security kernel or utility