Patent ID: 9262876
Filing Date: 2016-02-16
CPC Classification: G07C,H04L

Claim Text:
1. A method for controlling fraud and enhancing security and privacy by using a personal hybrid card for a verification process, wherein the steps of the method comprise: a. registering personal information including a first biometric data and an electro-biometric signature representing an individual in a database and forming a registered account for the individual; b. assigning a personal hybrid card to the individual with the registered account, wherein the personal hybrid card comprises combinations of technologies comprising a computer processor and a data storage for storing a copy of the personal information comprising the first biometric data and an electro-biometric signature stored in the data storage, wherein the combinations of technologies comprise a member selected from the group consisting of: a computer chip and a magnetic strip, a computer chip and a barcode, a computer chip and other technology, and other combinations of technologies for storing personal information and a program data on the personal hybrid card; c. performing an identity authentication comprising: verifying at an access point that the individual with the personal hybrid card matches the first biometric data stored on the personal hybrid card, wherein the verifying comprises the steps of: d. performing an eligibility verification comprising: transmitting in a first transmission the personal information comprising the electro-biometric data to the database from the access point and requesting verification of eligibility for the individual to use the personal hybrid card for determining access to levels of activities comprising personal identity needs, security needs, service needs, benefit needs, and personal access needs, wherein the verification of eligibility is based on the personal information comprising the electro-biometric data of the first transmission and corresponding personal information associated with the registered account; and e. receiving eligibility verification or denial of the individual as a second transmission to use the personal hybrid card for determining access to specific levels of activities thereby preventing fraud and enhancing security and privacy for access to a specific level or defined service, benefit, program, secured facility, secured area, and secured entry; and f. updating the personal information of the individual by transmitting in a third transmission from the access point to the database that the individual has engaged the access point for updating the personal information of the individual and updating information about the use of the personal hybrid card in the database for determining a secured exit from the access point by the cardholder.