Granted Patent B2

US 10,719,824 · App. 14/321,781 · Granted Jul 21, 2020

Inventors: Francisco Martinez de Velasco Cortina (La Jolla, CA); Manfred Rietzler (Marktoberdorf, DE)

Assignee: NEOLOGY, INC

G06Q20/3674G06Q20/3278H04W4/80H04W12/00H04W12/06H04W12/08

Abstract

Claims (49)

1. A mobile device, comprising:

radio frequency (RF) cellular circuitry comprising a transmitter configured to transmit and receive information over a network;

a memory configured to store biometric authentication information and payment information;

a biometric reading device configured to read biometric information;

one or more processors operably coupled to the memory, the RF cellular circuitry, and the biometric reading device, the one or more processors configured to execute instructions stored in the memory that, when executed by the one or more processors, causes the one or more processors to perform operations of:

establishing a connection with a point of contact (POC), via the RF cellular circuitry, to conduct a secure transaction between the mobile device and the POC,

prompting a user to provide the biometric information to the biometric reading device,

reading the biometric information using the biometric reading device;

authenticating that the biometric information read by the biometric reading device is associated with the user associated with the payment information based at least in part on the biometric authentication information stored in the memory,

in response to the authentication, generating a key, and

securing the payment information stored in the memory; and

the transmitter configured to, controlled by the one or more processors, transmit the generated key and the secured payment information to the POC, via the RF cellular circuitry, to complete the secured transaction.

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

3. The mobile device of claim 1 , wherein the RF cellular circuitry comprises short range RF circuitry.

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

5. A system, comprising:

a mobile device, comprising:

radio frequency (RF) cellular circuitry comprising a transmitter configured to transmit and receive information over a network;

a memory configured to store biometric authentication information and payment information;

a biometric reading device configured to read biometric information;

one or more processors operably coupled to the memory, the RF cellular circuitry, and the biometric reading device, the one or more processors configured to execute instructions stored in the memory that, when executed by the one or more processors, causes the one or more processors to perform operations of:

establishing a connection with a point of contact (POC), via the RF cellular circuitry, to conduct a secure transaction between the mobile device and the POC,

prompting a user to provide the biometric information to the biometric reading device,

reading the biometric information using the biometric reading device;

authenticating that the biometric information read by the biometric reading device is associated with the user associated with the payment information based at least in part on the biometric authentication information stored in the memory,

in response to the authentication, generating a key, and

securing the payment information stored in the memory; and

the transmitter configured to, controlled by the one or more processors, transmit the generated key and the secured payment information to the POC, via the RF cellular circuitry, to complete the secured transaction;

the POC device comprising at least one memory and at least one processor operably coupled to the at least one memory of the POC device, the at least one memory of the POC device storing instructions that, when executed by the at least one processor of the POC device causes the at least one processor of the POC device to perform operations of:

receiving, from the transmitter, the generated key and the secured payment information; and

transmitting the generated key and the secured payment information to a central database;

the central database comprising at least one memory and at least one processor operably coupled to the at least one memory of the central database, the at least one memory of the central database storing instructions that, when executed by the at least one processors of the central database causes the at least one processor of the central database to perform operations of:

receiving, from the POC, the secured payment information and the generated key; and

validating the secured payment information and the generated key to complete the secured transaction.

6. The system of claim 5 , wherein the payment information is associated with a primary account number.

7. The system of claim 5 , wherein the POC device includes an RF reader.

8. The system of claim 5 , wherein the biometric authentication information is stored separately from the payment information.

9. A method for secure transactions using a mobile device, comprising:

storing biometric authentication information and payment information in a memory of the mobile device;

establishing a connection with a point of contact (POC), via RF cellular circuitry of the mobile device, to conduct a secure transaction between the mobile device and the POC,

prompting a user to provide biometric information to a biometric reading device of the mobile device,

reading the biometric information using the biometric reader;

determining whether the biometric information read by the biometric reader corresponds to the biometric authentication information stored in the memory, thereby authenticating that the biometric information read by the biometric reader is associated with the user associated with the payment information;

generating a key,

securing the payment information stored in the memory; and

transmitting the generated key and the secured payment information to the POC, via the RF cellular circuitry, to complete the secured transaction.

10. The method of claim 9 , wherein the payment information is associated with a primary account number.

11. The method of claim 9 , wherein the biometric authentication information is stored separately from the payment information.

12. The method of claim 9 , wherein the RF cellular circuitry of the mobile device comprises short range RF circuitry.

Assignments (2)

Continuity (8)