System and methods for providing secure transactional solutions
The present invention provides a method and system for verifying and tracking identification 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.
1. A mobile device, comprising:
Radio Frequency (RF) cellular circuitry comprising an antenna configured to transmit and receive information over a network;
a memory configured to store biometric authentication information, instructions, and payment information, wherein the biometric authentication information is associated with a user associated with the payment information;
a biometric reading device configured to read biometric information;
one or more processors configured to execute the 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 through the network with a point of sale (POS), via the RF cellular circuitry, to conduct a secure transaction between the mobile device and the POS,
prompting a user of the mobile device to provide biometric information to 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
generating encrypted information by encrypting the key and the payment information stored in the memory; and
the antenna configured to, controlled by the one or more processors, transmit the encrypted information to the POS, via the RF cellular circuitry, to complete the secure 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 biometric authentication information is stored separately from the payment information.
4. A system, comprising:
a mobile device, comprising:
Radio Frequency (RF) cellular circuitry comprising an antenna configured to transmit and receive information over a network;
a memory configured to store biometric authentication information, instructions, and payment information, wherein the biometric authentication information is associated with a user associated with the payment information;
a biometric reading device configured to read biometric information;
one or more processors configured to execute the 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 through the network with a computing device corresponding with a point of sale (POS), via the RF cellular circuitry, to conduct a secure transaction between the mobile device and the POS,
prompting a user of the mobile device to provide biometric information to 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
generating encrypted information by encrypting the key and the payment information stored in the memory; and
the antenna configured to, controlled by the one or more processors, provide the encrypted key and payment information to the computing device corresponding to the POS, via the RF cellular circuitry, to complete the secure transaction; and
the computing device corresponding to the POS comprising at least one memory and at least one processor operably coupled to the at least one memory of the computing device, the at least one memory of the computing device storing instructions that, when executed by the at least one processor of the computing device, causes the at least one processor of the computing device to perform operations of:
receiving, from the antenna over the network, the encrypted information; and
transmitting the encrypted information to a central database to validate the payment information.
5. The system of claim 4 , wherein the payment information is associated with a primary account number.
6. The system of claim 4 , wherein the biometric authentication information is stored separately from the payment information.