Patent AU-2012200578-A1 (AU)
Title: Secure universal transaction system
Inventor: FRANCHI JOHN FRANCO
IPC: H04L9/00
Filed: 2012-02-02
Abstract: (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date (10) International Publication Number 22 May 2008 (22.05.2008) PCT WO 2008/060725 A2 (51) International Patent Classification: (81) Designated States (unless otherwise indicated for every H04K 1/00 (2006.01) kind of national protection available): AE, AG, AL, AM, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, (21) International Application Number: CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, BE, EG, PCT/US2007/074327 ES, Fl, GB, GD, GE, GH, GM, GT, HN, HR, 1U, ID, L IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, (22) International Filing Date: 25 July 2007 (25.07.2007) LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY MZ, NA, NG, NI, NO, NZ, OM, PG, PH, PL, (25) Filing Language: English PT, RO, RS, RU, SC, SD, SE, SG, SK, SL, SM, SV, SY, TI, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, (26) Publication Language: English ZM, ZW. (30) Priority Data: (84) Designated States (unless otherwise indicated, for every 11/532,580 18 September 2006 (18.09.2006) US kind of regional protection available): ARIPO (BW, GH, 06256440.6 19 December 2006 (19.12.2006) US GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, 0625304.1 19 December 2006 (19.12.2006) US ZW), Eurasian (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM), European (AT, BE, BG, CH, CY, CZ, DE, DK, BE, ES, Fl, 1) Applicant and FR, GB, GR, HU, IE, IS, IT, LT, LU, LV, MC, MT, NL, PL, (72) Inventor: FRANCHI, John, Franco [US/GB]; 39 Plater PT, RO, SE, SI, SK, TR), OAPI (BF, BJ, CF, CGO, CI, CM, Drive, Oxford, Oxfordshire OX26QT (GB). GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG). (74) Agents: LUEDKE, Adriana, S. et al; Dorsey & Whitney Published: LLP, Suite 1500, 50 South Sixth Street, Minneapolis, MI - without international search report and to be republished 55402-1498 (US). upon receipt of that report (54) 'Itle: SECURE UNIVERSAL TRANSACTION SYSTEM (57) Abstract: A secure universal transaction system includes an operations and resource component, at least one communication device for enabling user interaction with the operations and resource component, and a secure token associated with each user of the system. The operations and resource component includes a first biometric security component, a second security component, and a communication component for enabling secure communication between the operations and resource component and at least one network. Each communication device includes a wired or wireless token interface, a biometric reader for enabling a user to C input a biometric reading, a wired or wireless communication component for enabling communication between the communication device and the operations and resource component, a user input device, and an output device. Each secure token includes a token security component for generating a security code and a data storage component for storing user data. 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 associated with the secure token in the biometric security component of the operations and resource component, 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.