Smartcard transaction method and system using signature recognition

OTHER PUBLICATIONS

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. Lhe press release 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.

"Biometrics: Speaker Verification", by Kulkarni, et al., http://
biometrics.cse.msu.edu/speaker.html, Mar. 8, 2004, 5 pages.
"Judge Dismisses FLC 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.
com/id/3072638, Feb. 17, 2004, 4 pages.

"Lhe 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 Lake 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 Lest RFID Lechnology", by Rohde, IDG New Service, http:www.computerweekly.com/Articlel27889. htm, Feb. 9, 2004, 3 pages.

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

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

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

"LI 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", Lhe Guardian, Jan. 18,2003, http://money.guardian.co.uk/creditanddebt/creditcards/story/0,1456,876908,00.html, 3 pages.

Pay By Louch—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 Lechnology: How It Works", http://www.ibgweb.com/reports/public/reports/ voice-scan_tech.html, Feb. 18, 2004, 1 page. "Lhe 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 Lechnology—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—Lhe Basics", 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 Lransformations", by Hurley, et al., Lhe 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 Lechnology, 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.L., "Smart Cards: Integrating for Portable Complexity," Computer-Integrated Engineering, Aug. 1998, pp. 110-115. Geer, et al., "Loken-Mediated Certification and Electronic Commerce," 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).

* cited by examiner