Abstract: A system and method for securing Radio Frequency Identification (RFID) transactions is provided. An exemplary method includes using a random number in an authentication tag and authorizing an RF transaction in response to verifying the authentication tag. The method may also involve variously validating an RFID device authentication tag and an RFID reader authentication tag. Additionally, a system and method is disclosed for verifying an RFID transaction device and RFID reader operable with an RF transaction system. The method involves presenting an RFID device to an RFID reader, receiving a random number, creating an RFID transaction device authentication tag using the random number and a counter value, providing the RFID transaction device authentication tag to an RFID reader, creating an RFID reader authentication tag using the counter, random number, and RFID authentication tag, and providing the RFID reader authentication tag and RFID transaction device authentication tag for authentication.

Abstract: A system and method for using an RFID read/write device to secure an RFID-operable instrument or an RF communication is provided. The invention includes security databases in communication with a processor for storing and communicating security protocols to the RFID read/write device. The invention includes a method for restricting the unauthorized use of an RFID read/write device. The invention includes a subscription service for communicating user credentials to a certificate authority to obtain a counter security protocol. The invention also includes decrypting information stored on an RF-operable device or transmitted via radio-frequency using counter security protocols.

Abstract: In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request.

Abstract: The present invention discloses a radio frequency (RF) reader grid and method for facilitating transactions. The RF reader grid includes a transponder, a RFID reader, and a host RFID reader in communication with a merchant system. The secondary and host RFID readers communicate with one another via wireless, RF frequencies. The present invention also discloses a wireless grid that comprises non-radio frequency readers, such as magnetic stripe readers. In addition, a method for using a secondary RFID reader to perform a transaction is disclosed. The method includes the steps of initializing the secondary RFID reader, communication transaction information using the secondary RFID reader and processing the transaction information using a host RFID reader.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: A transponder-reader payment system includes a fob including a transponder, and a RFID reader for interrogating the transponder. The system may further include a payment device separate and distinct from the fob, but associated with payment account mutually shared with the fob. In exemplary operation, the fob identifying information, or the payment device information, may be presented to the RFID reader for completion of a transaction request. A process server may receive the transaction request and satisfy the transaction request in accordance with a predetermined payment criteria. The process server may additionally augment a rewards account based on fob or payment device usage, thereby incenting fob usage in one instance and payment device usage in the other.

Abstract: The present invention discloses a system and methods for biometric security using hand geometry recognition biometrics in a transponder-reader system. The biometric security system also includes a hand geometry scan sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a hand geometry scan sensor. In another embodiment, the system includes a reader configured with a hand geometry scan sensor. In yet another embodiment, the present invention discloses methods for proffering and processing hand geometry scan samples to facilitate authorization of transactions.

Abstract: An authorized sample receiver configured to verify an RF device in response to proffered biometric sample data is disclosed. The authorized sample receiver may be configured to receive data from the RF device and decrypt an encrypted authentication code using a unique device identification code. The RF device is authenticated in response to verifying proffered biometric sample data and the authentication code.

Abstract: A method and system for biometric authorization to facilitate a radio frequency transaction is disclosed. In an exemplary embodiment, a system and method is provided for using biometric sample and biometric sample data to authorize completion of an RF transaction. Authorization of biometric sample data may authorize increasing a preloaded value, or using an additional value to supplement the preloaded value, in order to facilitate completion of an RF transaction.

Abstract: A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

Abstract: In an exemplary embodiment of the invention, an authorized sample receiver (ASR) comprises a processor that is configured to verify biometric sample data in order to create registered biometric sample data. The ASR may also comprise a communications device configured to receive a transaction request from an RF transaction device, wherein the transaction request comprises transaction biometric sample data, a reload protocol update request, and an RF device identification code. The ASR may also be configured to authorize the transaction request in response to the transaction biometric sample data substantially matching the registered biometric sample data. The ASR may further comprise a reload protocol data file associated with the device identification code, and the reload protocol data file may be configured to be updated in accordance with the reload protocol update request.

Abstract: A transponder-reader payment system includes an RFID reader for interrogating a transponder and an RFID transponder device. The RFID reader receives, from the RFID transponder device, a code that is associated with a first funding source and a second funding source. The RFID reader communicates a request associated with a transaction to a payment processor. The request includes the code and the transaction is funded using the first funding source and the second funding source associated with the code. In one embodiment, the transaction is funded according to a funding account protocol associated with the code.

Abstract: The present disclosure relates to the use of DNA sample data as part of a biometric security system in a transponder transaction. The biometric security system also includes a DNA sensor that detects biometric samples, and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a DNA sensor. In another embodiment, the system includes a reader configured with a DNA sensor. In yet another embodiment, the present invention discloses methods for proffering and processing DNA samples and DNA sample data to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Abstract: The present invention discloses a system and methods for biometric security using multiple biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. In yet another embodiment, the present invention discloses methods for proffering and processing multiple biometric samples to facilitate authorization of transactions.

Abstract: A process for providing an RF module configured to convert a nontraditional transaction device for traditional transaction completion is disclosed. The RF module is placed in physical and logical communication with a microprocessor of a nontraditional transaction device for providing user account information to the microprocessor and for receiving data from a RFID reader, kiosk or personal computer. The microprocessor is configured to activate operation of the RF module prior to transaction processing. The RF module may also receive secondary identification information, such as, a PIN, voice recognition data or biometric data for secondary end user authentication. The RF module may also transmit user account data for transaction processing using a USB interface of the nontraditional transaction device.

Abstract: A system and method for securing Radio Frequency Identification (RFID) transactions is provided. An exemplary method includes using a random number in an authentication tag and authorizing an RF transaction in response to verifying the authentication tag. The method may also involve variously validating an RFID device authentication tag and an RFID reader authentication tag. Additionally, a system and method is disclosed for verifying an RFID transaction device and RFID reader operable with an RF transaction system. The method involves presenting an RFID device to an RFID reader, receiving a random number, creating an RFID transaction device authentication tag using the random number and a counter value, providing the RFID transaction device authentication tag to an RFID reader, creating an RFID reader authentication tag using the counter, random number, and RFID authentication tag, and providing the RFID reader authentication tag and RFID transaction device authentication tag for authentication.

Abstract: In accordance with one exemplary embodiment of the invention, a radio frequency identification (RFID) transaction device is used to complete a transaction. The RFID transaction device may communicate a tertiary number and/or a URL instead of sensitive transaction device information. The tertiary number and/or URL may point the RFID transaction device to a third-party authorizing agent. The third party may verify that the URL and/or a tertiary number corresponds to a valid transaction account on the account provider system. The third party may use the URL and/or the tertiary number to locate the appropriate verifying (e.g., “validating”) information for confirming the transaction account validity. Once the third party verifies the validity of the transaction account using the URL and/or the tertiary number, the third party (e.g., account issuer or acquirer) may provide authorization to the merchant that a transaction may be completed.