System for biometric security using a smartcard

FOREIGN PATENT DOCUMENTS

EP 0917120 5/1999

EP 0927945 7/1999

EP 1017030 7/2000

JP 2004-164347 6/2004

JP 2004-348478 12/2004

WO WO 96/06409 2/1996

WO WO 98/21683 5/1998

WO WO 98/45778 10/1998

WO WO 99/21321 4/1999

OTHER PUBLICATIONS

"Judge Dismisses FTC Suit Against Rambus", Evers, IDG New

Service, http://www.infoworld.com/article/04/02/18/

HNjudgedismisses_l.html, Feb. 18, 2004, 3 pages.

"Credit on Your Key Ring, Buy Gas at Mobil, Exxon and Soon

Burgers at McDonald's", by Krakow, MSNBC, http://www.msnbc.

msn.com/id/3072638, Feb. 17, 2004, 4 pages.

"The Evolution of Mobile Payment", by McPherson, Financial

Insights, Feb. 2, 2004, http://www.banktech.com./story/mews/

showArticle/jhtml?article ID=17601432, 2 pages.

"RFID Take Priority With Wal-Mart", by DocMemory, http://www.

simmtester.com/page/news/shownews. asp?num=6550, Feb. 9,2004,

2 pages.

"Microsoft, IBM and Phillips Test RFID Technology", by Rohde, IDG New Service, http:www.computerweekly.com/Articlel27889. htm, Feb. 9, 2004, 3 pages.

"Pay By Touch Press Releases", http://www.paybytouch.com/press. html, Feb. 10, 2004, 3 pages.

"PowerPay RFID Payment and Marketing Solution Speeds Purchase at Seahawks Stadium with Technology from Texas Instruments", http://www.powerpayit.com/news/Seahawks_pr.html, Feb. 9, 2004, 2 pages.

"Putting Their Finger on It", by Wilson, http://sanfrancisco. bizjournals.com/sanfrancisco/stories/2003/10/20/story6. html?t=printable, Feb. 9, 2004, 2 pages.

"TI Embraces Prox Card Standard", by Roberti, Mar. 6, 2003, http:// www.ti.com/tiris/docs/in-fhe-news/2003/3-6-03.shtml, 2 pages. "Paying It By Ear", The Guardian, Jan. 18,2003, http://money.guardian.co.uk/creditanddebt/creditcards/story/0,1456,876908,00.html, 3 pages.

Pay By Touch—Company, http://www.paybytouch.com/company. html.

"Identix Inc.—Empowering IdentificationTM —Understanding Biometrics", http://www.identix.com/newsroom/ news_biometrics_face.html, 1 page.

"International Biometric Group—Signature Biometrics: How It Works", http://www.ibgweb.com./reports/public/reports/signaturescan_tech.html, Feb. 18, 2004, 1 page.

"International Biometric Group—Voice Recognition Technology: How It Works", http://www.ibgweb.com/reports/public/reports/ voice-scan_tech.html, Feb. 18, 2004, 1 page. "The Henry Classification System", International Biometric Group, 7 pages.

"Individual Biometrics—Hand Geometry", http://ctl.ncsc.dni.us/ biomet%20web/BMHand.html, Feb. 18, 2004, 2 pages. "Individual Biometrics—Retinal Scan", http:ctl.ncsc.dni.us/ biomet%20web/BMRetinal.html, Feb. 18, 2004, 2 pages. "Individual Biometrics—Iris Scan", http:ctl.ncsc.dni.us/ biomet%20web/BMIris.html, Feb. 18, 2004, 2 pages. "Individual Biometrics—Vascular Patterns", http:ctl.ncsc.dni.us/ biomet%20web/BMVascular.html, Feb. 18, 2004, 1 page. "Individual Biometrics—Fingerprint", http:ctl.ncsc.dni.us/ biomet%20web/BMFingerprint.html, Feb. 18, 2004, 3 pages. "Fingerprint Technology—Indentix Inc.—Empowering IdentificationTM —Understanding Biometrics", http://www.identix.com/ newsroom/news_biometrics_finger.html, Feb. 18, 2004, 1 page. "Individual Biometrics—Facial Recognition", http:ctl.ncsc.dni.us/ biomet%20web/BMfacial.html, Feb. 18, 2004, 2 pages. "Fingerprint Analysis—The Bascis", http://www.crimtrac.gov.au/ fingerprintanalysis.htm, Feb. 18, 2004, 3 pages. "Visual Speech and Speaker Recognition", by Luettin, Jun. 30,2000, http://herens.idiap.ch/~luettin/luettin-fhesis.bib.abs.html, 1 page. "Automatic Ear Recognition by Force Field Transformations", by Hurley, et al., The Institution of Electrical Engineers, 2000, pp. 7/1-7/5.

"Everything You Need to Know About Biometrics", by Bowman, Identix Croproation, Jan. 2000, 8 pages.

"How Fingerprint Scanners Work", by Harris, httpxomputer. howstuffworks.com/fingerprint-scanner.htm/printable, Feb. 18, 2004, 6 pages.

"How Facial Recognition Systems Work", by Bonsor, http://computer.howstuffworks.com/facial-recognition.htm/printable, Feb. 18, 2004, 6 pages.

"Biometrics: Hand Geometry", by Ross, et al., http://biometrics.cse. msu.edu/hand geometry.html, Feb. 26, 2004, 2 pages. "Biometric Person Authentication: Odor", by Korofkaya, Department of Information Technology, Laboratory of Applied Mathematics, Lappeenranta University of Lechnology, 18 pages. "ISO Magnetic Stripe Card Standards", http://www.cyberd.co.uk/ support./technotes/ioscards.htm, Feb. 9, 2004, 4 pages. "Smart Card Developer's Kit: Some Basic Standards for Smart Cards", http:unix.be.eu.org/docs/smart-card-developer-kit/ch03/ 033-035.html, Feb. 9, 2004, 2 pages.

"Smart Card Lechnology and Applications"; http://disc.cba.uh.edu/ ~rhirsch/fall96/lara.htm (8 pages).

Goldman, J., "Internet Security, Lhe Next Generation, When Software Encryption is not Enough," Web Lechniques, Nov. 1997, pp. 43-46.

Simmons, J., "Smart Cards Hold the Key to Secure Internet Commerce," EC World, Dec. 1998, pp. 36-38.

Wayner, P., "Digital Cash," AP Professional, 1996, pp. 76-83, 85-100.

"ISO Standards," available from http://www.iso.ch/projects/loading. html.

Lurban, et al., "Using Smartcards in Electronic Commerce," Proc. 31st Annual Hawaii Inter. Conf. on System Sciences, vol. 4,1998, pp. 62-69.

Dhem, et al., "SCALPS: Smart Card for Limited Payment Systems,"
IEEE Micro, Jun. 1996, pp. 42-51.

Smith, M.T., "Smart Cards: Integrating for Portable Complexity,"
Computer-Integrated Engineering, Aug. 1998, pp. 110-115.
Geer, et al., "Token-Mediated Certification and Electronic Com-
merce," Proc. 2nd USENIX Workshop on Electronic Commerce,
Nov. 18-21, 1996, pp. 13-22.

Gobioff, et al., "Smart Cards in Hostile Environments," Proc. 2nd USENIX Workshop in Electronic Commerce, Nov. 18-21, 1996, pp. 23-28.

Fancher, C.H., "In Your Pocket Smartcards," IEEE Spectrum, Feb. 1997, pp. 47-53.

Blythe, I., "Smarter, More Secure Smartcards," Byte, Jun. 1997, pp. 63-64.

Leach, Dr. J., "Dynamic Authentication for Smartcards," Computers and Security, vol. 14, No. 5, 1995, pp. 385-389. Wu, et al., "Authenticating Passwords Over an Insecure Channel," Computers and Security, vol. 15, No. 5, 1996, pp. 431-439. Manninger, et al., "Adapting an Electronic Purse for Internet Payments," ACISP '98 Proceedings, Jul. 13-15, 1998, pp. 205-214. Yan, etal., "Banking on the Internet and Its Applications," Proc. 13fh Annual Hawaii International Conference on System Sciences, vol. 4, 1997, pp. 275-284.

Transport Layer Security Working Group, "The SSL Protocol, Version 3.0," Nov. 18, 1996 (also available at http://home.netscape.com/ eng/ssl3/draft302.txt).

Business Wire (pressrelease), "Master Card E-Wallet," Jul. 11,2000. Obongo.com Website, "Obongo," Aug. 8, 2000 (Description of wallet toolbar also available at http://www.obongo.com/chabi/website/ index.htm).

PR Newswire (press release), "Providian Launches Nation's First Clear Chip Card," Sep. 12, 2000. The pressrelease maybe related to the art of the invention, but based upon the information in the press release, it is unclear if the press release is prior art. However, in an abundance of caution the Applicant desires to put the press release into the file wrapper.

* cited by examiner