Patent NZ-575701-A (NZ)
Title: Secure universal transaction system
Inventor: FRANCHI JOHN FRANCO
IPC: H04L9/00
Filed: 2007-07-25
Abstract: A secure universal transaction system comprises an operations and resource component (102), a communication device (103) for enabling user interaction with the operations and resource component and a secure token (101) adapted to interface with the token interface of the communication device. The operations and resource component comprises a first biometric security component, a second security component, a communication component for enabling communication between the operations and resource component and at least one network, a processor, and a storage component for storing user function information including a plurality of software applications and data required to enable user access to a plurality of networks (104,105) and user services. The communication device comprises a token interface, a biometric reader for enabling a user to input a biometric reading, a communication component for enabling communication between the communication device and the operations and resource component, a user input component for inputting user commands and information into the communication device, an output component for providing information to the user, a processor and a data storage component. The communication device downloads as customized subset of the stored user function information from the operations and resource component, thereby enabling customized user access to software applications, networks and user services via the communication device. The customized user access includes at least one download of software requested by the user and access to software programs stored and running on at least one network via the user's communication device. The secure token comprises a token security component for generating a security code, and a readable and writable data storage component for storing user data including customized system function access data associated with an owner of the token. The user access to the operations and resource component is permitted only when the secure token is interfaced with the token interface of the communication device, the biometric reading entered by the user matches a biometric reading stored in the data storage component of the secure token, and the security code generated by the token security component matches a corresponding security code associated with the secure token in the second security component of the operations and resource component. The customized subset of the stored user function information downloaded from the operations and resource component to the communication device is based upon the customized system function access data stored in the secure token. The user data stored on the secure token may be modified by the user or the operations and resource component via the communication device. Also disclosed are the communication device for enabling a user to access a secure universal transaction system; the secure token for use in a secure universal transaction system having an operations and resource component accessed by at least one communication device and a method for accessing a communication system having an operations and resource component accessed by at least one communication device.