US20200160324A1 - Methods and apparatus for authorizing and providing of goods - Google Patents

Abstract

A method includes broadcasting with a transceiver of a reader device of a transaction system a first identifier to a smart device, receiving with the transceiver an ephemeral ID not permanently associated with a user of the smart device from the smart device, providing with the transceiver of a second identifier and a unique data packet to the smart device, receiving with the transceiver a token determined by an authentication server in response to the second identifier and the unique data packet from the smart device, wherein the token comprises a payload portion, determining with a processor of the reader device whether the token is valid, and directing with the processor the transaction system to perform a user-perceptible action for the user, that authorizes the user to enter or exit a location associated with the transaction system in response to determining the token to be valid.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS
• This application is a continuation-in-part application of PCT App. No. PCT/US19/37553 filed Jun. 17, 2019, that is a non-provisional of and claims priority to U.S. Provisional App. No. 62/685,292 filed Jun. 15, 2018, and is a non-provisional of U.S. Provisional App. No. 62/789,063 filed Jan. 7, 2019. These references are incorporated by reference herein, for all purposes.
BACKGROUND
• This invention relates generally to reader devices that communicate with multiple remote devices to facilitate authorization of users and to facilitate data transfer received from such remote devices.
• Presently, attempts to create what the inventors refer to as a universal identification (ID) signal for an individual, have involved frameworks or underlying models in which the burden of implementing the signal—broadcasting it and ensuring that devices detect it—rests on the individual. This task of creating a personal signal, or what the inventors refer to as a transponder or beacon, is beyond the technical domain of the vast majority of users. This is one of the barriers that has prevented the growth of a universal identification signal for individuals, universal in the sense that the signal is not tied to or detectable only by a specific manufacturer, social media or network provider, or company.
• One of the inventors' goals of a universal identification signal is to allow a user to identify and interact with a variety of physical world devices or objects by different manufacturers in a manner that allows for strict data control, security, and privacy. In contrast, current user ID models follow a “silo” model. In typical silo models, users emit a specific ID signal via a specific application on a specific device, such as from a smart phone, and the specific ID signal is only detectable by a specific entity, such as an appliance manufacturer, a car manufacturer, or online social media provider, or the like. The specific IDs are thus not universal, for example a Hilton user ID cannot be used for boarding a United Airlines flight. These siloed systems do not provide sufficient mapping to physical, real world environments and spaces that is needed to be useful, safe, and secure.
• The inventors believe the silo model of user identification signals where each vendor, each hotel, each apartment, and the like is highly disadvantageous to users and more importantly to their smart devices. Some disadvantages include that the multiple applications take up large portions of the memory in smart devices, crowding out memory for photos, videos, other applications, and the like; another disadvantage is that when executing more than one of these silo applications, the performance of the smart device is impacted because there are large amounts of data that need to be cached for each of the programs, and switching between programs often become sluggish; another disadvantage is that having a large number of applications running at the same time can cause memory management problems in the user's smart device, causing crashes and other anomalous behaviors; and the like. Accordingly, the inventors believe the silo model often adversely affects the performance of smart devices.
• There are some implementations, presently in limited use, that essentially leverage one online identity or profile to interact with various types of devices. Besides the security and data control/privacy concerns this raises, such single online personas do not truly reflect how individuals behave or act in the real, physical world. Human interactions with physical environments have developed over millennia, as such, it should not be expected that this behavior be reflected in online personas.
• Other factors that have prevented universal or even quasi-universal signal technology from widespread adoption include generally a lack of motivation from manufacturers and companies to create their own apps, portals, back-end infrastructure, and so on, that would be needed to implement a signal or beacon framework with their customers. Again, this leads to a siloed approach that is simply not worth the expense and maintenance for many entities. Returning to the first point of placing too much of the technical burden of implementing universal signals on the users, it is certainly possible to create sensing points in an environment, but this framework requires that users modify their behavior, act in a different way and actually require that additional actions be taken by users. What is needed is a framework that does not require this of users and where the physical world or environment be essentially smarter and place minimal additional burden on the users to allow for seamless natural interactions.
• The present invention relates to reducing the costs of transactional devices. More specifically, the present invention relates to reducing the amount of user financial transaction processed or stored upon such devices. By eliminating such data, transactional devices will be cheaper and require less hardware, because less customer data need to be stored; devices will provide quicker transaction response times, as fewer transactions need to be verified or crosschecked; devices will require less maintenance, and the like.
• With typical electronic purchase of goods and services, users often provide sellers or service providers with sensitive financial account numbers and data. Such data may include credit card numbers, bank account numbers, debit card numbers, customer accounts, full names, residential and work addresses, telephone numbers, e-mail addresses, and the like. As users transact in multiple situations, e.g. their computers, mobiles devices, and even in-person, their sensitive financial data is shared with dozens if not hundreds of different providers.
• Problems with this wide dispersal of sensitive data includes that the security of such data is often dictated by the provider with the lowest security. In other words, assuming that goods or service providers are constantly under attack by hackers, the provider with the least secure system will be the one through which users' sensitive data will leak out. With such user-sensitive data, hackers can open fake accounts, post charges to valid accounts, and in short, ruin users' lives.
• Some weak tonic proposed by good or service providers whose databases have been hacked include payment for credit monitoring services, or the like. These solutions are not very effective, because it puts the onus upon the innocent parties, users and not the providers, to constantly monitor the users' credit history. Another problem is that although active credit monitoring can prevent new accounts to be opened, the users must be vigilant for life, as changing their names, addresses, telephone numbers, social security numbers, bank accounts, and the like are extremely time consuming and inconvenient.
• The inventors of the present invention believe that more fundamentally, problems with current typical financial transactions includes the overly intrusive amount of information required by good or service providers. As an example, if a user goes to a bar for drinks and pays with a credit card or debit card, the bar will then know the user's name and the credit card number. As another example, if a user wants to purchase something on-line, for in-person pick up or service, the provider will know the user's credit card number, billing address, home telephone number, etc. Now of days users often resign themselves to the Faustian bargain of providing such sensitive information as part of the cost of convenience of using credit cards or other electronic payment systems. However, the inventors believe that such sensitive information should not be requested or freely given to good or service providers who do not need such data.
• Some attempts to address the privacy aspects of transactions have included using specialized chips to encrypt and store encrypted data on a hardware level, and perform transactions with providers using the encrypted data. An example of this is the Secure Element portion in a near field communications (NFC) chip within Apple devices. In such cases, the Secure Element stores encrypted versions of the user's credit cards (Primary Account Number / PAN) using a service provider public key to form a Device Account Number (DAN), or the like. This DAN is then provided to the good or service providers devices (e.g. terminals, readers), and the transaction (including DAN, amount, and the like) is provided to a network to payment server for processing.
• Issues with such solutions includes that it requires specialized and dedicated hardware for receiving secure communications on POS terminals and typically requires dedicated computer network connections, each increasing the costs of such payment environments.
SUMMARY
• This invention relates generally to systems, methods and devices for first party identification and more particularly to systems, methods and devices for a universal ID. With embodiments of the present invention, storage memory of smart-devices is increased due to the reduced number of applications and programs that need to be stored, and the performance of the smart-devices is increased due to the lower number of applications required to operate simultaneously, while still providing the functionality desired by a user. In various embodiments, the reduction in demand on smart-device resources provide advantages to a smart device in terms of amount of free memory available for applications and the speed and efficient performance of applications running upon the smart device.
• One aspect disclosed is a method of enabling a universal identifier signal, also referred to as a universal personal transponder (e.g. transceiver), using a beacon apparatus and a detector apparatus that performs as a scanner or sensor. In various embodiments, the beacon may be a smartphone, wearable device or other smart apparatus carried by a user, and broadcasts what is referred to as an ephemeral identifier. This ephemeral ID is typically enabled by an application installed on the smartphone or smart apparatus. The ephemeral ID is then detected or sensed by a reader/detector device which may be constantly scanning the environment for ephemeral IDs and related data. In various embodiments, the detector can be built into a wide variety of devices, such as appliances, electronic equipment, public kiosks, controlled access points and the like. As described below, the detector device resolves the ephemeral ID to a user of a specific beacon apparatus, that is, the ephemeral ID is matched to a specific registered individual or user. A dedicated server, typically operated by a (e.g. universal) signal service provider, receives at least a portion of the ephemeral ID and verifies an access-control list (i.e. determines stored user data) associated with the specific registered user associated with the ephemeral ID. A first set of user data is then transmitted from the dedicated server to the detector device, such as a controlled access point (e.g. door lock, security door, turnstile, security system, elevator, gate), a coffee machine, kitchen appliance, TV monitor, point of sale device, loyalty card kiosk, automobile, appliance, vending machine, environmental controls, etc. The detector device then performs operations based upon the first set of user data, to enable substantive and meaningful interactions with the beacon (i.e., the user), such as unlocking a lock, turning on lights, registering the user, or the like. In some embodiments, the actions required by the beacon device are reduced or minimized and the majority of the operations are taken on by the reader/detector device. That is, the user and the user's smartphone does not need to perform any proactive operations or acts in order to have the user's universal ID signal be recognized by the door lock or have meaningful interaction with the door lock, such as unlocking the door for the user. In other embodiments, the beacon device may perform some of the access functions with the dedicated server automatically, without specific user interaction.
• In another aspect of the invention, a system for implementing a universal personal transponder environment includes a beacon apparatus carried by a user that includes universal personal ID transponder software. The user enters an environment or space that has one or more scanner devices which are constantly scanning for a universal ID signal being emitted by the beacon by virtue of the transponder software. The detection of the universal ID signal occurs with minimal operations or actions needed by the user or the beacon apparatus. The software module on the beacon enables interaction with nearly any type of scanner device that has the necessary transponder software and hardware connectivity component. A dedicated server has a database for storing various types of data and multiple software modules for implementing the universal personal transponder environment. In some cases, the server may be operated and owned by a universal personal transponder service provider (SAAS) which operates the system for the benefit of the user and the scanner or detector device manufacturers or operators which may include a wide variety of device from door locks to electronic equipment. In other cases, the server may be operated and/or owned by a detector device manufacturer (e.g. controlled access point) and still be compatible with the universal ID signal from the universal ID software. In some embodiments, the majority of the processing and proactive steps needed to implement the environment is done by the scanner device which queries or monitors the beacon (e.g., smartphone) for ephemeral ID data, communicates with the server, and performs a responsive physical action. In various embodiments, the beacon also performs some steps to ensure security and authentication of the user via biometric scanner, password, or the like. In some embodiments, the burden of initiating the process and establishing a session is performed by the scanner device sensing the ephemeral ID.
• According to one aspect of the invention, a method is described. One process includes scanning with a short-range transceiver in a first device for ephemeral ID signals within a geographic region proximate to the first device, and detecting with the short-range transceiver, an ephemeral ID signal output from a user device, wherein the ephemeral ID signal does not include personally identifiable information of the user. One method includes transmitting with a wide-area network communication unit in the first device, at least a portion of the ephemeral ID signal and a first identifier associated with first device to a remote server associated with the ephemeral ID signals and receiving with the wide-area network communication unit, a first reply from the remote server in response to the portion of the ephemeral ID signal and to the first identifier. One technique includes providing an electronic authorization signal to a first external unit coupled to the first device in response to the first reply, wherein the first external unit is configured to perform a first physical action in response to the first reply.
• According to another aspect of the invention, a system including a first device is disclosed. In one apparatus, the first device includes a short-range transceiver configured to capture ephemeral ID signals within a geographic region proximate to the first device and configured to detect an ephemeral ID signal output from a user device, wherein the ephemeral ID signal does not include personally identifiable information of the user. In another apparatus, the first device includes a wide-area network interface configured to transmit at least a portion of the ephemeral ID signal and a first identifier associated with first device to a remote server associated with the ephemeral ID signals and configured to receive a first reply from the remote server in response to the portion of the ephemeral ID signal and the first identifier associated with first device. In yet another apparatus, the first device includes an output unit configured to provide an electronic authorization signal to a first external unit coupled to the first device in response to the first reply, wherein the first external unit is configured to perform a first physical action in response to the first reply.
• According to one aspect, a method for a system is disclosed. One technique may include broadcasting with a first short-range transceiver of a reader device associated with transaction system to a smart device, a first identifier, receiving with the first short-range transceiver of the reader device from the smart device, an ephemeral ID, wherein the ephemeral ID is not permanently associated with a user of the smart device, and providing with the first short-range transceiver of the reader device to the smart device, a second identifier and a unique data packet. A process may include receiving with the first short-range transceiver of the reader device from the smart device a token, wherein the token is determined by an authentication server in response to the second identifier and the unique data packet, and wherein the token comprises a payload portion, determining with a processor of the reader device whether the token is valid, and directing with the processor of the reader device the transaction system to perform a user-perceptible action for the user, that authorizes the user to enter or exit a location associated with the transaction system in response to determining the token to be valid.
• Embodiments of the present invention reduce the cost and hardware requirements of transaction servers and provide users with increased privacy. In some embodiments, user's sensitive data is not passed from the user's smart device to the good or service provider to perform a transaction. Further, in some embodiments, the reader device need not be coupled to a network. For example, a vending machine need not have cellular coverage, a subway ticketing kiosk need not have a network connection, or the like. Such embodiments are believed to be beneficial to transaction device manufacturers because the hardware requirements and maintenance of these devices is reduced. Embodiments are also believed to be advantageous to users, as their privacy is maintained while facilitating such transactions for goods or services.
• In some embodiments, initially, a user (consumer) is instructed to scan or enter their credit card number, stored value account number, or enter financial account details. The numbers determined are encrypted using a public key of the appropriate credit card issuer server, or the like. The encrypted data is then uploaded to the security server and the financial data is deleted from the user's smart device. Next, in operation, a user's device receives identifying information from a point of sale system (POS) according to embodiments of the present invention. In particular, in some embodiments the POS system may include a reader device, as described herein. Initially, when a transaction is to be settled or paid, the reader device outputs identifying data (including a reader device identifier, a nonce or similar data) and a transaction amount to the consumer's smart device. This may happen via BLE or other short-range communications mechanism. After authorization by the user, e.g. via fingerprint, faceprint, voice print, password, etc.) the consumer's smart device then uploads this data, along with information identifying the consumer to a security server (typically cloud-based). Next, encrypted data (e.g. the credit card encrypted with a public key), consumer information (e.g. zip code, name, etc.), and the transaction amount is provided to the credit card issuer server. The credit card issuer server typically decrypts the encrypted data using their private key to recover the consumer's account number and then processes the transaction on behalf of the provider (e.g. seller). After successfully charging the user's account, the credit card issuer server provides an authorization signal back to the cloud server. In response to the authorization, security server forms a token based upon the reader device identifier, the nonce, and the like. Security server then returns the token to the consumer's smart device, which in return may immediately provide it to the reader device. The reader device decrypts the token and determines whether the token is valid (e.g. using a private key, symmetric key, hash, or the like). If valid, the reader device outputs and indication to the POS system that the transaction was approved. Additionally, the consumer's smart device or the reader may output a physically perceptible output for the consumer/seller, such as an visual indicator on a display, an audio output (e.g. ding), a vibration, or the like.
• In another embodiment, a user's smart device again receives identifying information from a reader device including a reader identifier and data (e.g. nonce, random number, etc), and that data is uploaded to a cloud server. Also provided is identifying information of the user. As the cloud server stores the encrypted version of the user's credit card account number a token is generated which may be an encrypted version of the reader identifier, nonce, and the . The token is passed back to the smart device and on to the reader device. Reader device determines whether the token is valid or not by unencrypting the token data. If valid, an amount for the transaction and the encrypted account information are uploaded to a payment system. Within this payment system, the account number, or the like may unencrypted by a account provider (e.g. credit card) using their private key to recover the user's account number. Subsequently, the account may be charged the amount specified. Upon successful processing, the providers payment system may output an indication to the provider and the user that the transaction was approved. This may take the form of a success screen, an audio output (e.g. ding), a gate being opened or the like.
• According to another aspect a system is described. One apparatus includes a transaction system configured to perform a user-perceptible action. A device includes a reader device coupled to the transaction system, wherein a first short-range transceiver of the reader device is configured to output a first identifier to a smart device, wherein the first short-range transceiver is configured to receive an ephemeral ID from the smart device, wherein the ephemeral ID is not permanently associated with a user of the smart device, wherein the first short-range transceiver is configured to output a second identifier and a unique data packet to the smart device, wherein the first short-range transceiver is configured to receive a token from the smart device, wherein the token is determined by an authentication server in response to the second identifier and the unique data packet, and wherein the token comprises a payload portion comprising transaction data, wherein a processor of the reader device is configured determine whether the token is valid, wherein the processor of the reader device is configured determine whether the transaction data indicates a success condition, wherein the processor of the reader device is configured to direct the transaction system to perform the user-perceptible action for the user in response to determining that the token is valid and the transaction data indicates the success condition.
• According to another method for a system is disclosed. One process may include broadcasting with a first short-range transceiver of a reader device associated with transaction system a first identifier to a smart device, receiving with the first short-range transceiver of the reader device an ephemeral ID from the smart device, wherein the ephemeral ID is not permanently associated with a user of the smart device, and providing with the first short-range transceiver of the reader device transaction data comprising a second identifier and a unique data packet to the smart device. A technique may include receiving from a second transceiver of the authentication server the transaction data, a transaction amount and a user identifier from the smart device, determining with a first processor in the authentication server a financial server associated with the user in response to the user identifier, and determining with the first processor in the authentication server user financial data in response to the user identifier. A method may include providing with a third transceiver of the authentication server, the user financial data and the transaction amount to the financial server, receiving with the third transceiver a response from the financial server in response to the user financial data and the transaction amount, wherein the response comprises an approved condition or an unapproved condition, and determining with the first processor a token in response to the response and the transaction data. A process may include providing with the second transceiver the token to the smart device, receiving with the first transceiver the token from the smart device, and determining with a second processor of the reader device whether the token is authentic. Steps may include determining with a second processor of the reader device whether the response is the approved condition, and directing with the second processor a peripheral device to perform a user-perceptible action in response to determining the token is authentic and in response to the determining the response is the approved condition.
BRIEF DESCRIPTION OF THE DRAWINGS
• In order to more fully understand the present invention, reference is made to the accompanying drawings. Understanding that these drawings are not to be considered limitations in the scope of the invention, the presently described embodiments and the presently understood best mode of the invention are described with additional detail through use of the accompanying drawings in which:
• FIG. 1 is an overview flow diagram of a process in accordance with various embodiments;
• FIG. 2 is an illustration of a physical environment showing different types of devices and users with beacons;
• FIG. 3 is a block diagram showing some components for various embodiments of the present invention;
• FIG. 4A is a flow diagram of a process of a user joining the universal ID signal framework as implemented by a service provider in accordance with some embodiments;
• FIG. 4B is a flow diagram of a process of registering and initializing a device so that it can be a universal ID signal sensing device in a physical space in some embodiments;
• FIG. 5 is a flow diagram of a process of passive detection of a universal signal presence in accordance with some embodiments;
• FIG. 6 is a flow diagram of a process of transmitting a universal ID signal between a beacon and a device and initiating interaction between them in accordance with some embodiments;
• FIG. 7 is a flow diagram of a process of operations that occur on the device when the device is online in accordance with some embodiments;
• FIG. 8 is a flow diagram of a process that occurs on the device when the device is offline in accordance with some embodiments;
• FIG. 9 is a block diagram illustrating an example of a computer system capable of implementing various processes in some embodiments;
• FIG. 10 is a block diagram of a process according to various embodiments of the present invention;
• FIG. 11 is another block diagram of a process according to various embodiments of the present invention;
• FIG. 12 is another block diagram of a reader according to various embodiments of the present invention;
• FIG. 13 is another block diagram of a system according to various embodiments of the present invention; and
• FIGS. 14A-F are flow diagrams of various processes according to some embodiments.
DETAILED DESCRIPTION
• In the following description, numerous specific details are set forth in order to provide a thorough understanding of the presented concepts. The presented concepts may be practiced without some or all of these specific details. In other instances, well known process operations have not been described in detail so as to not unnecessarily obscure the described concepts. While some concepts will be described in conjunction with the specific embodiments, it will be understood that these embodiments are not intended to be limiting. On the contrary, it is intended to cover alternatives, modifications, and equivalents as may be included within the spirit and scope of the described embodiments as defined by the appended claims.
• For example, methods and systems will be described in the context of creating, utilizing, and managing security and authentication for a universal, personal ID signal. In the following description, numerous specific details are set forth in order to provide a thorough understanding of the various embodiments. Particular example embodiments may be implemented without some or all of these specific details. In other instances, well known process operations have not been described in detail in order not to unnecessarily obscure the described embodiments. Various techniques and mechanisms will sometimes be described in singular form for clarity.
• It should be noted that some embodiments include multiple iterations of a technique or multiple instantiations of a mechanism or technique unless noted otherwise. For example, a system uses a processor in a variety of contexts. However, it will be appreciated that a system can use multiple processors while remaining within the scope of the described embodiments unless otherwise noted. Furthermore, the techniques and mechanisms will sometimes describe a connection between two entities. It should be noted that a connection between two entities does not necessarily mean a direct, unimpeded connection, as a variety of other entities may reside between the two entities. For example, a processor may be connected to memory, but it will be appreciated that a variety of bridges and controllers may reside between the processor and memory. Consequently, a connection does not necessarily mean a direct, unimpeded connection unless otherwise noted.
• Various embodiments describe providing universal identity and physical presence detection in the form of a personal, universal signal. This signal allows a user to interact with devices in the user's environment without having to download vendor-specific apps, set up vendor-specific accounts or be limited to a siloed eco-system of a manufacturer brand. Such a personal universal signal representing an individual allows for devices and software to detect and query the beacon transmitting the signal for information relating to the user and augmented onto the physical environment. This provides a more personalized, efficient, and, in some instances, secure experience for the user.
• The embodiments focus on reducing or minimizing user workload to allow for seamless interactions with her environment, such as, for example, the user being able to walk up to a TV anywhere in the world and having the TV (using the user's universal signal) detecting the user and querying for the user's personal preferences and accounts. The user can then, using voice commands, for example telling the TV to play their favorite TV show by saying “play Game of Thrones.” The TV, using the user's authenticated universal signal can then access the user's personal preferences and accounts (e.g., Netflix account), and can then pull up the show and play it automatically. This can be done without the user using a specific app on the TV, setting up a TV specific account, logging into accounts, or owning the TV. In another example, a user can walk up to a door, and have the door automatically unlock for the user, once the user reaches a sufficiently close distance so that the user can passively walk through the door without having to do anything. In such examples, this is because the door sensed the user's universal signal ID, verified that the user has access to pass through the door and unlocks the door for the user. Again, this is done without the user being tied to the door manufacturer, or device, or to a specific account or app needed to serve such interaction. As such, the various embodiments provide and enable a universal signal for users and devices to interact, where all parties benefit from a seamless and natural way of interacting in the physical world.
• Methods and systems for implementing a smart environment where a user's presence is sensed by a scanner are described in the various figures. In one embodiment, the environment is a physical space in which scanners detect the presence of a user via a universal identifier signal that is emitted from the user's mobile device which operates as a personal beacon. In this framework, the scanners perform most of the back-end operations and, for the beacon (e.g. a user's phone or watch), workload is significantly reduced. In this respect, by taking the burden of implementing the universal ID signal, the environment or physical space providing the framework may be described as intelligent or smart. The users simply need to do move around and behave normally. The devices around them in the space or environment they are moving in detects the users and the smart space performs the necessary communications and processing to realize the benefits described herein.
• FIG. 1 is an overview flow diagram of a process in accordance with one embodiment. Atstep102 an entity operates as a beacon and moves around in a physical space. In the described embodiment, the entity maybe a human being and the space can be any environment such as a home, an office, a retail store, a lobby, a public space, a sidewalk, to name a few examples. Another way to describe it is that an entity can be any object or thing for which a universal ID signal would be useful, such as a car, bicycle, or animal. Atstep104 an environment or space in which at least one scanner operates is created. A scanner can be manifested or implemented in many ways. In the described embodiment, a scanner (also referred to as “device” herein; beacons, typically mobile devices, are referred to herein as “beacon” “user” or “smartphone”) can be a home appliance, door lock, monitor, a car, a kiosk, a consumer electronic device, and so on. The type of devices found in an environment or space will naturally be dependent on the nature of the space. Atstep104, manufacturers or other entities which either make the scanners or operate or manage them are signed up and registered to have scanners in the environment. A home will have different types of devices than a retail store or an office lobby, and so on. A common feature of most devices or scanners in the described embodiment is that they are generally stationary; they are not expected to move around in the physical space, but they can, and the inventive concepts described herein would still apply. At step106 a device detects a beacon by virtue of the beacon signal and initial interaction between device and beacon may begin.
• The initial interaction may be one of two types. One is referred to as passive interaction shown instep108. Here the device detects the presence of a beacon signal. The device may not determine the identity of the user, that is, the user remains anonymous. In another passive mode embodiment, the user may be identified but only in a dedicated server operated, typically, by a service provider, described below, and not on the device itself. Although generally this back-end server will be online, in one embodiment the server, that is, the service provider, may be accessible without an Internet connection or being online (e.g., via Ethernet, Zigbee, and the like). This passive scanning or detecting presence of a beacon may be useful in various contexts, such as counting the number of people in a room or space, or whether someone just walked into a space. Essentially, the device wants to sense users around it, but the individual dictates the privacy. The user is the gatekeeper on his or her identity. The device that detects or sense the presence of the user may interact, it may do something, but that action does not have privacy concerns or require user authorization, hence, the passive nature of the interaction.
• Another type of interaction that may be initiated is referred to as secured exchange where there is authentication of the user shown instep110. Here tokens are used to authenticate and the device can make authorization requests. One example that illustrates this clearly is where the device is a door lock which detects the presence of a user and will only unlock if the user is authorized to open the door; the user must prove to the device (door lock) that she has access to open the door. In one embodiment, tokens are used to prove that the user is authorized. The beacon signal has at least one signed token from a back-end server that authenticates the user to the device. Once this authentication is made, the device will perform the relevant action and interact with the user. It may be noted that in either passive or secured exchange scenarios, the device may interact with the user as shown instep112, but the level or degree of interaction will naturally vary.
• FIG. 2 is an illustration of a physical environment showing different types of devices and users with beacons. Beacons can take various forms, most are Internet-enabled, but the most common are smartphones and wearables, such as watches or bracelets and may include bio-implants and other forms of personal mounted fixtures. As noted, the user will most likely be an individual, but may also be a moving object or an animal, such as a pet. Also shown are devices which can take on many forms, most are Internet-enabled. Devices may be home appliances and electronics, office equipment, ranging from refrigerators, coffee makers, door locks, TVs, vending machines, kiosks, cars, monitors, and so on. As described in greater detail below, a device may have its own server contained in it (to do universal signal actions) or may not need a service provider server at all. In the described embodiment the device accesses a service provider server to carry out some or all of the operations needed for the present invention. A service provider server, also referred to as the back-end server, is also shown. This server has numerous roles, but one of the primary ones is to authenticate the user and maintain access-control lists for beacons and devices. This back-end server is maintained and operated by the universal ID signal service provider which is responsible for implementing the universal ID signal and smart environment of the present invention. It provides a software module or app (application) that the user installs on her smart phone or wearable thereby enabling it as a personal beacon. And it provides software, hardware or both to device manufacturers and operators. For example, it can provide a software development kit (SDK) for the manufacturer or detector/scanning hardware, such as a Bluetooth module or sensor, if the manufacturer or device operator needs such a hardware component to put in their device. For example, a lock manufacturer may not have the technical means or desire to obtain the appropriate sensor desired for the invention so the service provider can provide the sensor hardware to them and instruct them on how to install it. The device manufacturer will decide what type of capabilities their device(s) will need when interacting with users and what type of security and authorization will be required from its users. It instructs the service provider on what data it needs from the beacon in order to interact securely and safely with its users.
• FIG. 3 is a block diagram showing three primary components needed for implementing various embodiments of the present invention. A user acts like abeacon302. The user, in nearly all instances, a single individual (in some cases a “user” may be a group of people like a family, a group of co-workers, a team, etc.) carries an apparatus that acts as the beacon. As noted, this can be a smartphone, bracelet, watch, or any suitable wearable device.Beacon302 has installed on it a serviceprovider software module304, that implements the personal universal ID signal of the present invention.
• Adevice306 acts as the detector or scanner in the environment. As described,device306 can take the form of one of a multitude of objects from ranging from appliances to electronic equipment to public vending machines. Nearly all have asoftware module308 that is provided by the service provider and installed either by the provider or by the manufacturer.Software module308, as well asmodule304, performs many of the operations described in the flow diagrams below. In some embodiments,device306 may also have ahardware component310, such as a Bluetooth component or other hardware needed for connectivity (e.g. transmitter and receiver) withbeacon302 or with a dedicated server, the other component inFIG. 3. This hardware component may be provided by the service provider.
• Aservice provider server312 is operated and managed by the universal ID signal provider and may have extensive software modules, such as theuniversal signal app316, and at least onedatabase314 which stores data on beacons (users), devices, access control tables, and a wide variety of data needed to implement the universal signal environment of the present invention.
• FIG. 10 illustrate a logical flow diagram illustrating the process described below inFIGS. 4A and 4B andFIG. 5. InFIG. 10 systems are illustrated including a user device (e.g. a smart phone, smart watch, ring, tablet, wearable device, augmented reality glasses)1002 coupled to areader1004 and to a cloud-basedserver1006, and aperipheral device1008. InFIG. 10, a peripheral access control system (PACS)1010 is also illustrated coupled to cloud-basedserver1006 and toperipheral device1008.
• FIG. 4A is a flow diagram of a process of a user joining the universal ID signal framework as implemented by a service provider in accordance with one embodiment. A user, typically an individual, has decided to join the universal ID signal framework. In one context, an employer may ask all of its employees to join so that the advantages of the universal signal can be realized in an office or company campus environment. The first step taken by the user is shown atstep401 where the user downloads a service provider universal ID signal app (“app”) onto hersmart phone1002 or wearable apparatus (for ease of explanation, collectively referred to as “smartphone”). Generally, the app can operate in most widely used personal devices, platforms or operating systems, such as Android, iOS, and others that run on phones, watches, bracelets, tablets, bio-chips and the like. The application may also be termed a security application that runs upon the user's smart device.
• Once downloaded and installed, atstep403 the user enters1030 at least some required basic information about herself. In various embodiments, transmissions betweenuser device1002 andserver1006 are typically rf communication using Wi-Fi, cellular service (e.g. 4G, 5G, etc.), or the like. Some of the information can be entered at a later time depending on the apparatus that the app is being installed on. In one embodiment, a subset of the data entered by the user results in the creation of various identifiers. One may be referred to generically as a unique ID whose use is limited in that it is used primarily, if not only, by the service provider. This unique ID is not sent to the device, such as an appliance, door lock, coffee machine, etc. Another is a randomly generated identifier, referred to herein as a temporary or ephemeral ID. In some embodiments, the ephemeral ID may include random data, pseudo random data, or data selected from a predetermined set of data. In one embodiment, a portion of the ephemeral ID is provided1032 todevice1002 and the full ephemeral ID may be generated withinuser device1002 based upon the portion of the ephemeral ID fromserver1006. In other embodiments, the ephemeral ID may be generated fully withinuser device1002 based upon data specified by the app running upon the user device1002 (e.g. data that identifies toreader1004 that the ephemeral ID is broadcasted from the app on the user's smartphone. As described above, the ephemeral ID may be combined with random, pseudo random, or data selected from a set of data, or the like (“random”). In some embodiments, ephemeral ID may include at least a first portion including the “random” value and a second portion that includes data that authenticates the ephemeral ID as being authorized byserver1006. In some examples, the authenticating data may be a digitally signed message thatreader1004 may verify itself or with back-end server1010 andserver1006, a private-key encrypted message thatreader1004 may decrypt itself or via a paired public-key via back-end server1010 andserver1006, or the like. This ephemeral ID, for example, may be used for anonymous detection by a device of the user. Another identifier created from the user data and provided to1032user device1002 is referred to as a persistent ID, an ID that can be characterized as stable and is created for each user/device manufacturer pair. For example, a user may have different persistent IDs for her relationship with the monitor, another for her relationship with the coffee machine, the car, the door lock, and so on. Each device manufacturer gets a distinct persistent ID for each user (assuming one device from each manufacturer). It may be described as a persistent or permanent version of an ephemeral ID. Atstep405 the data entered and created atstep403 is stored inservice provider1006 or manufacture's owndedicated servers1010, in most cases this will be the service provider servers.
• FIG. 4B is a flow diagram of a process of registering and initializing a device so that it can be a universal ID signal sensing device in a physical space in accordance with one embodiment. Atstep402 the service provider determines whether the device has the necessary hardware for being a scanner as needed for implementing the present invention (since the device is new to the space and universal ID framework, the service provider knows that the device does not have the universal ID app yet). The service provider obtains a wide variety of data and metadata about the device, items such as device name, category, location, identifier(s), make, model, time zone and so on. Some of this data is used to let the user know what the device is exactly when she encounters it in a physical real-world space and wants to decide whether to interact with it. However, the threshold question determined atstep402 is whether the device has the right hardware. If it does, the service provider only needs to supply and install universal ID signal software which, in the described embodiment, is in the form of a software development kit (SDK) as shown instep404. If the device does not have the right hardware for scanning (some smaller scale manufacturers may not have the means or technical skills to include this hardware in their product) the service provider provides one. In this case the software module and the sensor hardware are installed on the device which may be done by the device maker or the service provider.
• Atstep406 information describing the device is stored by the service provider in a database. This data may be used for enabling interaction between thedevice1004 and thebeacon1002. In some scenarios, the data for this interaction may be stored on the device itself wherein the service provider does not play an active role. Some examples of data stored include device ID, single key, private/public key pair, set of commands and interactions, actions the user or device can take, a template which can be customized for different devices. In one embodiment, a template may be described as a pre-defined schema of attributes and metadata. In a simple example, a template for a door lock can have “lock” and “unlock” whereas a template for a car would likely have many more options. Atstep408 metadata describing to the device and templates are transmitted1034 to the device and stored there.
• At the end ofFIG. 4B, the device is now capable of detecting or sensing abeacon1002 when a beacon with the universal ID signal app executing on it is in the presence of thedevice1004.FIG. 5 is a flow diagram of a process of passive detection of a universal signal presence in accordance with one embodiment. With continued reference to the example inFIG. 10, inFIG. 5, at step502 a user (as noted, the term “user” is interchangeable with “beacon” and “smartphone”1002) enters an environment or physical space that has scanning devices, e.g.1004. It is important to note here that the user is in control of her personal universal ID signal. The user can turn the signal on (by executing the app downloaded at step401) or not turn it on. There are also measures that can be taken to ensure that the universal signal is coming from the right individual and not an imposter or some other intentional or unintentional unauthorized person. Atstep502 the user turns on the signal via a smartphone orwearable apparatus1002 once another factor has passed. For example, the signal turns on only after a smart watch has detected the user's heart pattern or other biometric means to verify the identity of the user wearing the watch or carrying the smartphone. Only at this point is the signal turned on. This prevents other individuals from impersonating the user by wearing the user's smart watch or other wearable. At step504 abeacon1002 in the environment broadcasts1012 the ephemeral ID. In some embodiments, transmissions betweenbeacon1002 andreader1004 may be performed via short-range communications, such as BLE, Zigbee, NFC, or the like. At step506 adevice1004 detects or senses thebeacon1002 and reads the beacon's ephemeral ID. A non-persistent minimal connection is established initially between the beacon and the device. The universal ID signal app does not tie up the device exclusively (unlike other IoT devices). Because of the non-persistent nature of the connection some typical scaling issues are avoided. No permanent bonding or tie-up is needed in the personal universal ID signal implementation and framework of the present invention.
• Steps502 to506 describe what can be referred to as a sub-process for ambient sensing of thebeacon1002 by adevice1004. It may be characterized as the simplest use case scenario for the universal ID signal. Ambient sensing can be used in scenarios where users simply have to be distinguished from one another, such as counting how many users are near a device or in a room. This ambient sensing may also be seen as a way for a user to potentially communicate with a device if needed. As illustrated inFIG. 10A, ifcommunication1014 is possible and the dedicated server, such as aservice provider server1006, can be accessed, the process continues withstep508. In another embodiment, thededicated server1006 can be accessed via another communication means, such as Bluetooth, Ethernet, and the like. Atstep508, theservice provider server1006 learns private data about the user. It does this by taking1016 the ephemeral ID or persistent ID and resolving it to a persistent ID or an actual or real user identifier1018 (as noted, prior to this step, the user was merely an anonymous but distinguishable entity). Atstep512 the back-end1010 receives and verifies permissions attached to the user by examining an access control list. Atstep514 the back-end1010 sends1022 user data (e.g. options) based on the access control list to thedevice1022 viareader1004, in other words, it sends1022 to thedevice1002 only data about the user that thedevice1002 is allowed to see (e.g. options available to the user ofdevice1002 such as user transaction history, user account status, amount of stored-value remaining, etc.). In some examples, where aperipheral device1008 is a controlled access point1008 (e.g. door), an option available may be to unlock or unlatch; whereperipheral device1008 is a television, an option available may be to select from a list of subscription services. In some embodiments, an option may be manually selected by the user ondevice1002 and the selection may be sent1024 toreader1004, whereas in other embodiments, if there is one option or a default option, the option need not be sent, or the option may automatically be selected bydevice1002 and sent back toreader1004.
• In various embodiments,reader1004 may send1026 the selected option to back-end1010, and if authorized, back-end1010 directs1028peripheral device1008 to perform an action. In the example whereperipheral device1008 is a door, the instruction may be to activate a solenoid, or the like, in a strike plate and allow the user to pull or push open the door; in the example whereperipheral device1008 is a television, the instruction may be to run a Netflix application on the television and to log into Netflix using the users credentials, for example; and the like. In various embodiments, the back-end1010 stores a matrix of permissions, policies, preferences, and the like regarding users and devices. In one embodiment, it uses the user's persistent ID which, as noted, is particular to that user and a specific device pairing.
• In some embodiments, ifcommunication1014 is not possible in real-time, resolving ephemeral ID may be performed via the transfer of server-authenticated data bysmart phone1002 toreader device1004, described below, and/or may be performed via the transfer of signed tokens fromserver1006 tosmart device1002 described inFIG. 6.
• Returning to step506, if there is no ephemeral ID or the data needed is already on the device, characterized as a “local only” option, the data needed for sensing thebeacon1002 is on thedevice1002 itself and user data is requested from the device instead of from a service provider server.
• The passive branch shown inFIG. 1 has been described inFIG. 5steps502 to514.Steps510,516, and518 illustrate the secure branch fromFIG. 1. As noted, atstep510, in the “local only” step, when the device1004 (or back-end server1010) does not accessservice provider servers1006 via the Internet, user data is requested from the device.Steps516 and518 are needed because theservice provider1006 is not able to authenticate user data (e.g. ephemeral ID or any type of data from thesmartphone1002. The perspective of the queries and actions taken insteps516 and518 are from thedevice1004 perspective. Atstep516 thedevice1004 or, more specifically, the universal ID signal software module on the device, needs to be able to verify that data it is receiving from thebeacon1002 at some point has been verified by theservice provider1006 and is still valid. Thedevice1004 wants to see that the data (the data basically conveying, for instance, “I am John Smith's smartphone”) has been vouched for by the back-end server, but that the authentication and identity data thedevice1004 receives has been verified. In one embodiment, this is done without using any of the IDs described above (ephemeral, persistent, unique, etc.). Instead data used to verify the identity depends on thescanning device1004. For example, the data could be an authenticatedversion1036 of the user's driver license, or verification of the user's voice or face recognition as matched with a known hash of the user's voice recording or facial image (for example, stored on the user's smartphone) of the user as biometric authentication that the user is the correct, intended user. The authentication may be performed bycloud server1006, or may be performed bycloud server1006 in conjunction with a dedicated authentication server. Once thedevice1004 receives1038 this proof or is otherwise confident that the data it is receiving is authentic, control goes to step518. Here the device receives proof from the smartphone that the user identity data is authentic and that thedevice1004 can requestperformance1028 of the action byperipheral device1008 viaserver1010, or in alternative embodiments,device1004 can request1140 performance of the action directly withperipheral device1008. As described herein, actions may include unlocking a door, turning a TV on to the user's preferred channel, or make coffee how the user likes it.
• FIG. 11 illustrate a logical flow diagram illustrating the process described below inFIGS. 6-8. InFIG. 11 systems are illustrated including a user device (e.g. a smart phone, smart watch, ring)1102 coupled to areader1104 and to a cloud-basedserver1106, and aperipheral device1108. InFIG. 11, a peripheral access control system (PACS)1110 is also illustrated coupled toperipheral device1108.
• FIG. 6 is a flow diagram of a process of transmitting a universal ID signal between abeacon1102 and adevice1104 and initiating interaction between them in accordance with one embodiment. Atstep602 the smartphone or wearable1102 being carried by a user has entered a physical space with universal signal-enableddevices1104 and is passively transmitting1112 a universal (ephemeral) ID signal. In some embodiments,transmission1112 may be performed via short-range communications, such as BLE, Zigbee, NFC, or the like. Similarly. In one embodiment, this is done by the app in the background essentially when thebeacon1102 apparatus is powered on. In other embodiments, the app can be terminated or, in contrast, be in the foreground, and be transmitting a universal, personal ID signal. In various embodiments,reader1104 may determine whether the ephemeral ID is in the proper format. If not,reader1104 may ignore it, and if so,reader1104 may generate a request. In some embodiments, the app is also able to detect arequest1114 from adevice1104 and respond. Although thebeacon1102 has the universal ID signal app from theservice provider1106, it does not need anything from thedevice1104 manufacturer in order to receive the request from thedevice1104 or respond to it. As noted above, the invention bypasses any form of a “silo” arrangement or framework. The sensors in the devices that are scanning can connect to the beacons.
• Atstep604 thebeacon1102 receives1114 a request from the device. The app is able to either recognize the request or not. If it does not recognize the request from thedevice1104 or has not seen a request from thedevice1104 for a long time (a time exceeding a predetermined threshold), control goes to step606. In various embodiments,device1104 may determine whether a session is active based upon identifying information fromuser device1102. For example,device1104 may determine whether portions of theephemeral ID1112 are cached withindevice1104. The ephemeral ID may be cached bydevice1104 instep614, described below, when a session is initiated.
• In some embodiments, if there is no active session, the app requests1116 a non-repeatable value or nonce from the device and a fixed unique ID for that device. In some embodiments, the nonce may be random data, pseudo random data, or data selected from a predetermined set of data. In other embodiments, this ID can come from the service provider server or through other means, such as through an ID tag via near-field communication or an iBeacon associated with the device. In other embodiments, in response to thetransmission1112 of the ephemeral ID,reader1104 may provide1118 the identifiers. Atstep606 the app receives1118 these values. Atstep608 theapp1102 connects to theservice provider server1106 and transmits1128 these two values to theserver1106. In various embodiments, transmissions betweenuser device1102 andserver1106 are typically rf communication using Wi-Fi, cellular service (e.g.4G,5G, etc.), or the like.
• In some embodiments, assuming theserver1106 is able to identify the unique ID as belonging to thedevice1104, and assuming the user ofdevice1102 is authorized,server1106 grants access between thedevice1104 and thebeacon1102. Theserver1106 uses the nonce for deriving a token as described below. More specifically, it enables access control and security by transmitting1120 an array of tokens to thesmart phone1102. theserver1106 cannot recognize the device from the ID or determines that there is no interest from the user in accessing or interacting with the device, then tokens are not passed to the smartphone. In some cases, metadata may be passed1122 to the smartphone which provides publicly available, insecure information related to the device such that the user can act on the information (e.g. options). For example, thedevice1104 may be a public device, such as a kiosk or parking meter, and although most of the time the user is likely to ignore the device, if the user wants to learn more about the device (e.g., remaining parking time or rate), the user would be able to do so with the data returned by the dedicated server. In one embodiment, a token has one component that is derived from combining the nonce, the unique device ID, device-specific data, time-limited data, user restrictions, and so on. In one aspect of the present invention that communications between thedevice1104 anduser1102 be secure. All the values and factors that go into making the token play a critical role in making the entire universal ID signal framework secure.
• The second component of a single token is referred to as a payload section and contains data on user preferences and generally to the user and device. In one embodiment, each token in the array is valid for a limited time period, such as for a few minutes, hours, or days. An array may have a few hundred tokens and can be used to prove validity from a few hours to several days. For example, for commercial building access, a token may last for 4-5 hours and be replenished often to ensure that there are tokens to last the user through the day.
• In another embodiment, where access to a service provider server may not be available, tokens can be generated on a device, such as a lock, using other factors, such as biometrics fingerprint, voice recognition, face recognition or retina scanner part of the device, geo-location, expiration time, and so on. These features can also be used even if there is access to the service provider server to provide stronger security. As is known in the art, a token is a signed data item, intended to be used once and discarded (as does an entire array of tokens). Getting back to the importance of security in a universal ID signal framework, the array of tokens that is sent1120 from theservice provider server1106 to thesmart phone1102, together with other security features, prevents possible hacking and malfeasance, for instance, “replaying” or emulation (harmful devices emulating valid, authorized devices), among others.
• Atstep612 the app passes1124 one of the tokens from the array or the entire array of tokens to thedevice1104. In some embodiments, the token may pass1124 via BLE, and in other embodiments, the token may pass via other channel (e.g. NFC, or the like). The device validates the tokens and interactions between the user and the device can begin. More specifically, the universal ID signal software module on thedevice1104 validates the tokens and sends1126 a message to the smart phone stating that they can now communicate. Upon receiving this message, atstep614 the beacon creates a session and the two can now interact. As disclosed above inFIG. 10, the session may include communicating options available, receiving user selections, and the like.
• Returning to step604, if thebeacon1102 app recognizes therequest1114 from thedevice1104, control continues withstep616 where a session between the smartphone and the device is already active. As discussed above, determining whether a session is active may be performed based upon cached data within device1104 (e.g. another token, a MAC address of user device1102), theephemeral ID1112 provided byuser device1102, a challenge and response betweendevice1104 anduser device1102 based upon a key from a token, or the like. This session may be the same type as the one created atstep614.
• The array of tokens may be stored in a cache or local storage on the smartphone. By doing so, thesmartphone1102 does not have to be online; it can be offline and operate fast. Atstep618 the smartphone continues passing1124 tokens to the device. The smartphone keeps the tokens for a predetermined amount of time, a threshold of time that balances security and user convenience, for example, a few hours. After that time has expired, the app onsmart phone1102 gets a new array of tokens from theservice provider1106. If they have not expired, the smartphone can keep using the tokens in the array. Atstep620 the interaction between theuser1102 and thedevice1104 can resume. In this manner, that is by executing the operations insteps604 to614 orsteps604,616,618, and620, a secure, truly universal ID signal that is usable by many different types of devices (from various manufacturers) and users can be implemented.
• FIG. 7 is a flow diagram of a process of operations that occur on thedevice1104 when thedevice1104 is online in accordance with one embodiment. Atstep702 theservice provider server1106 receives arequest1130 from a device, for example a car or an appliance, for authenticating auser1102. It is helpful to note that adevice1104 can only see users who have allowed that specific device to recognize or see them (a category of devices or a specific manufacturer or member group may also be specified). Similarly, in some physical environments, such as a workplace or other secured area, a user is only allowed to see devices that an overseeing entity (e.g., employer) says she is allowed to see or recognize. Such embodiments may be based upon identifiers that are transmitted1118. If theuser device1102 is not allowed to recognize areader1104, based upon the reader's identifiers, the communication may terminate. In other contexts, a device maker may only want users with certain features or characteristics to be able to see or recognize its devices. Various types of scenarios are possible in which either the user or the device maker or owner, manager, and the like can set security protocols regarding who or what can be recognized using the universal ID signal. For example, one benefit of this type of security is that it prevents the equivalent of spamming on both sides. In all scenarios, the underlying security principle that is implemented in the various embodiments of the invention is that either side—user or device—only gets to see and receive what it needs to in order to interact and can only get to that point if the user or device is authorized to see the other. Atstep704 the service provider server checks user access controls to see if the user is authorized to use the device and if so what controls or limits are there. There are different techniques or transport mechanisms for how this user access control check can be performed by the service provider. For example, in one embodiment, there may be an out-of-band token exchange or a token server. The common factor is translating the random, non-identifying ID (e.g. ephemeral ID) for the user that was transmitted1112 initially to thedevice1104 into a full set of information about the user. This information can be used in a permission check process. Atstep706, assuming the user is authenticated, the service provider server transmits1132 the payload to thedevice1104 so now the device knows the user's preferences, permissions, interaction history, and other information. Atstep708 theuser1102 anddevice1104 can begin substantive interaction.
• FIG. 8 is a flow diagram of a process that occurs on the device when the device is offline in accordance with one embodiment. The end goal of this process is essentially the same as that ofFIG. 7, except here thedevice1104 does not communicate with theservice provider server1108. Atstep802 the device makes arequest1114 for an array of tokens from the user. The nature and characteristics of this array of tokens are the same as the token array described above. Atstep804 thedevice1104 receives1124 a token from thebeacon1102. Atstep806 thedevice1104 proceeds with verifying the token using only local resources. In various embodiments, it can verify or check the signature in the tokens, it can check to ensure it has not expired or has not been used before. Through these means and others, if available locally, the device authenticates the user and interaction between the user (who may or may not be online) and the offline device can begin. As discussed above, this may include providing1134 payload data associated with the user anduser device1102, (e.g. a persistent ID, an employee badge number, a store loyalty card, an account number, a stored-value card number, a credit or debit card, telephone number, email address, etc.) that is stored within the token to back-end server1110.
• As noted above, with regard to security, one notable aspect of that is embedded in the validation period of a token. This period can vary from a few minutes to several weeks. A token for a coffee machine may last20 days whereas for a lock or for making payments, a token may expire after one hour. This security feature is typically set by the device manufacturer; they decide how long to wait before a user has to re-authenticate with the device. Generally, users will have little input in this regard. Another scenario not described inFIGS. 7 and 8 is when thedevice1104 andsmartphone1102 are both unable to reach aservice provider1106 or dedicated server and have not connected or interacted with each other before. In this scenario, even though the smartphone has the universal ID signal app and the device registered with the service provider, there is no recognition of each other, let alone any interaction.
• In various embodiments, if a back-end server1110 is used, as described above, options may be provided1104 todevice1104 and tosmart phone1102, and in response back-end server110 may receive1138 a user selection of an option. Back-end server1110 may then instruct or cause1140peripheral device1108 to perform an action for the user, as discussed above, such as to unlock a door, control a television, provide a product (e.g. a vending machine), etc. In other embodiments, if a back-end server1110 is not used,device1104 may directly instruct1150 peripheral device to perform the action.
• FIG. 9 illustrates a functional block diagram of various embodiments of the present invention. More specifically, a user smart device and cloud-based servers may be implemented with a subset or superset of the below illustrated components. InFIG. 9, acomputing device900 typically includes anapplications processor902,memory904, a display906 (e.g. touch screen) anddriver908, animage acquisition device910, audio input/output devices912, and the like. Additional communications from and to computing device are typically provided by via awired interface914, a GPS/Wi-Fi/Bluetooth interface/UWB916, RF interfaces918 anddriver920, and the like. Also included in some embodiments are physical sensors922 (e.g. MEMS-based accelerometers, gyros, etc.).
• In various embodiments,computing device900 may be a hand-held computing device (e.g. Apple iPad, Microsoft Surface, Samsung Galaxy Note, an Android Tablet); a smart phone (e.g. Apple iPhone, Google Pixel, Samsung Galaxy S); a portable computer (e.g. netbook, laptop, convertible), a media player (e.g. Apple iPod); a reading device (e.g. Amazon Kindle); a fitness tracker (e.g. Fitbit, Apple Watch, Garmin, Motiv or the like); a headset (e.g. Oculus Rift, HTC Vive, Sony PlaystationVR); a wearable device (e.g. Motiv smart ring, smart headphones); or the like. Typically,computing device900 may include one ormore processors902.Such processors902 may also be termed application processors, and may include a processor core, a video/graphics core, and other cores.Processors902 may be a processor from Apple (All, Al2), NVidia (Tegra), Intel (Core), Qualcomm (Snapdragon), Samsung (Exynos), or the like. It is contemplated that other existing and/or later-developed processors may be used in various embodiments of the present invention.
• In various embodiments,memory904 may include different types of memory (including memory controllers), such as flash memory (e.g. NOR, NAND), SRAM, DDR SDRAM, or the like.Memory904 may be fixed withincomputing device900 and may include removable (e.g. SD, SDHC, MMC, MINI SD, MICRO SD, CF, SIM). The above are examples of computer readable tangible media that may be used to store embodiments of the present invention, such as computer-executable software code (e.g. firmware, application programs), security applications, application data, operating system data, databases or the like. It is contemplated that other existing and/or later-developed memory and memory technology may be used in various embodiments of the present invention.
• In various embodiments,touch screen display906 anddriver908 may be based upon a variety of later-developed or current touch screen technology including resistive displays, capacitive displays, optical sensor displays, electromagnetic resonance, or the like. Additionally,touch screen display906 may include single touch or multiple-touch sensing capability. Any later-developed or conventional output display technology may be used for the output display, such as IPS, OLED, Plasma, electronic ink (e.g. electrophoretic, electrowetting, interferometric modulating), or the like. In various embodiments, the resolution of such displays and the resolution of such touch sensors may be set based upon engineering or non-engineering factors (e.g. sales, marketing). In some embodiments,display906 may integrated intocomputing device900 or may be separate.
• In some embodiments of the present invention,image capture device910 may include one or more sensors, drivers, lenses and the like. The sensors may be visible light, infrared, and/or UV sensitive sensors that are based upon any later-developed or convention sensor technology, such as CMOS, CCD, or the like. In various embodiments of the present invention, image recognition software programs are provided to process the image data. For example, such software may provide functionality such as: facial recognition (e.g. Face ID, head tracking, camera parameter control, or the like. In various embodiments of the present invention,image capture device910 may provide user input data in the form of a selfie, biometric data, or the like.
• In various embodiments, audio input/output912 may include conventional microphone(s)/speakers. In various embodiments, voice processing and/or recognition software may be provided toapplications processor902 to enable the user to operatecomputing device900 by stating voice commands. In various embodiments of the present invention,audio input912 may provide user input data in the form of a spoken word or phrase, or the like, as described above. In some embodiments, audio input/output912 may be integrated intocomputing device900 or may be separate.
• In various embodiments,wired interface914 may be used to provide data transfers betweencomputing device900 and an external source, such as a computer, a remote server, a storage network, anothercomputing device900, a client device, or the like. Embodiments may include any later-developed or conventional physical interface/protocol, such as: USB, micro USB, mini USB, Firewire, Apple Lightning connector, Ethernet, POTS, or the like. Additionally, software that enables communications over such networks is typically provided.
• In various embodiments, awireless interface916 may also be provided to provide wireless data transfers betweencomputing device900 and external sources, such as computers, storage networks, headphones, microphones, cameras, or the like. As illustrated inFIG. 9, wireless protocols may include Wi-Fi (e.g. IEEE 802.11 a/b/g/n, WiMAX), Bluetooth, Bluetooth Low Energy (BLE) IR, near field communication (NFC), ZigBee, Ultra-Wide Band (UWB), mesh communications, and the like.
• GPS receiving capability may also be included in various embodiments of the present invention. As illustrated inFIG. 9, GPS functionality is included as part ofwireless interface916 merely for sake of convenience, although in implementation, such functionality may be performed by circuitry that is distinct from the Wi-Fi circuitry, the Bluetooth circuitry, and the like. In various embodiments of the present invention, GPS receiving hardware may provide user input data in the form of current GPS coordinates, or the like, as described above.
• Additional wireless communications may be provided viaRF interfaces918 anddrivers920 in various embodiments. In various embodiments, RF interfaces918 may support any future-developed or conventional radio frequency communications protocol, such as CDMA-based protocols (e.g. WCDMA), GSM-based protocols, HSUPA-based protocols, G4, G5, or the like. In the embodiments illustrated,driver920 is illustrated as being distinct fromapplications processor902. However, in some embodiments, these functionality are provided upon a single IC package, for example the Marvel PXA330 processor, and the like. It is contemplated that some embodiments ofcomputing device900 need not include the wide area RF functionality provided byRF interface918 anddriver920.
• In various embodiments, any number of future developed or current operating systems may be supported, such as iPhone OS (e.g. iOS), Google Android, Linux, Windows, MacOS, or the like. In various embodiments of the present invention, the operating system may be a multi-threaded multi-tasking operating system. Accordingly, inputs and/or outputs from and totouch screen display906 anddriver908 and inputs/or outputs to physical sensors810 may be processed in parallel processing threads. In other embodiments, such events or outputs may be processed serially, or the like. Inputs and outputs from other functional blocks may also be processed in parallel or serially, in other embodiments of the present invention, such asimage acquisition device910 andphysical sensors922.
• FIG. 9 is representative of onecomputing device900 capable of embodying the present invention. It will be readily apparent to one of ordinary skill in the art that many other hardware and software configurations are suitable for use with the present invention. Embodiments of the present invention may include at least some but need not include all of the functional blocks illustrated inFIG. 9. For example, a smart phone configured to perform may of the functions described above includes most if not all of the illustrated functionality. As another example, a biometric acquisition device, e.g. a smart ring, may include some of the functional blocks inFIG. 9, it need not include a high-resolution display930 or touch screen driver940, a camera950, a speaker/microphone960, wired interfaces970, or the like. In still other embodiments, a cloud-based server may not includeimage acquisition device912,MEMS devices922, atouchscreen display906, and the like.
• FIG. 12 illustrates a block diagram according to some embodiments of the present invention. More specifically,FIG. 12 illustrates a block diagram of areader device1200 described herein and illustrated asreader1104 and1104 inFIGS. 11 and 12. In some embodiments,device1200 includes anrf control module1202, a controller1204,memory1206, anaccelerometer1208, visual/haptic output1210, audio output1212,antennas1214,interface bus1216, and aninterface module1218.
• In some embodiments, controller1204 may be embodied as a Nordic nRF52832 system on a chip, suitable for controlling Bluetooth low energy (BLE) communications and for performing various functionalities described herein. Controller1204 may include a processor, such as a 32-bit ARM® Cortex®-M4F CPU and include 512 kB to 124 kB RAM. In various embodiments, other types of SoC controllers may also be used, such as Blue Gecko from Silicon Labs, CC2508 from TI, or the like.Controller1202 may be embodied as a muRata1LD Wi-Fi/BLE module, suitable for controlling Bluetooth low energy (BLE) and Wi-Fi communications.Controller1202 may include a processor, such as a 32-bit ARM® Cortex®-M4. In various embodiments, other types of controllers may also be used, such as CYW43012 from Cypress, or the like. In some embodiments,modules1202 and1204 enable communication via short range communications protocols, such as BLE, Zigbee, or the like.Modules1202 and1204 may also support mesh networking via BLE, Wi-Fi12, or the like. In some embodiments,module1202 also supports Wi-Fi communications to communicate over a wide-area network (e.g. Internet).
• In various embodiments,memory1206 may include non-volatile memory storing embodiments of the executable software code described herein. In some embodiments, the memory may be SRAM, Flash memory, or the like. InFIG. 12, audio/haptic output1212 is provided to give a visitor with audio feedback or haptic feedback andvisual output1202 is provided to give a visitor visual feedback in response to the visitor approachingreader device1200. In some embodiments,visual output1202 may be one or more LED lights having different colored outputs, may be a status display panel. The feedback may be provided to the visitor based upon the visitor's security application running upon the smart device and interacting withreader device1200. For example, if the smart device does not have the proper credentials forreader device1200, a harsh buzzing sound may be played byaudio output1210, and a red flashing light may be output byvisual output1210; if the smart device is authenticated withreader device1200, a bell ding sound may be played and the text “OK” may be displayed on a display; if the smart device is not authenticated withreader device1200, an audio message and textual message may be output: “Not authenticated. For access, please call ” or the like.
• Accelerometer1228 is provided in some embodiments to determine whetherreader device1200 is tampered with. For example, after installed and operable on a mounting location (e.g. on a wall), accelerometer1228 monitors the orientation of accelerometer1228 with respect to gravity. If a party attempts to removereader device1200 from a mounting surface, accelerometer1228 will be able to sense the change in orientation. Based upon the change in orientation exceeding a threshold, a number of actions may be taken byreader device1200. One action may be to cease operation ofreader device1200, another action may be to alert a remote server of the tampering, and the like. In other embodiments, other physical sensors, e.g. pressure sensors, light sensors, gyroscopes, and the like may be used. Such embodiments may also provide tamper detection indication.
• InFIG. 12,interface1216 is used to couplereader device1200 tointerface module1218. In various embodiments,interface module1218 interfaces with any number of external functional modules. In one configuration, an externalfunctional module1220 may be a peripheral device under control, e.g. an electronically controlled door latch, a television, a vending machine, a computer, an electronic panel, an automobile, a kiosk or the like; in another configuration, externalfunctional module1220 may be an existing module that is configured to read conventional low frequency or high frequency (LF/HF/UHF/etc.) based proximity cards or badges; and the like. In some embodiments,external reader module1220 may be an existing reader mounted upon a wall, or the like. In some embodiments,interface1216 may provide power toreader module1200,interface1216 may transmit data fromreader device1200 to interface module1218 (e.g. credentials), provide power or the like.
• In one configuration,rf control module1202 is not used, and only oneBLE antenna1214 is provided; in another configuration,modules1202 and1204 are both used, and twoBLE antennas1214 are used (one specifically for scanning for ephemeral IDs within a geographic region and one specifically for handling communications with a smart device). Such embodiments are particularly useful in high volume situations wherein one BLE antenna may receive ephemeral IDs from many different smart devices (e.g.12 users walking down a hall near a security door or vending machine), whereas the other BLE antenna will provide the credentials and receive tokens from the specific users' smart phones who want to interact with the reader (e.g. to enter the security door, to receive a good, to access a computer or the like). In other embodiments, other channels may be used to provide the above communications, such as short-range Wi-Fi, Zigbee, NFC, ANT, or the like.
• In still another configuration, additional modules1222 may be provided to add additional functionality toreader module1200. In some embodiments, module1222 may be an rf encoding module that converts data associated with the user (e.g. a badge number) into a format (e.g. LF/HF/UHF badge or tag) that is readable by a conventional RFID card or badge reader. In some embodiments, module1222 may include one or biometric capture devices that capture biometric data of a user associated with a smart device. In some embodiments, biometric data may include facial data, voice data, eye data (e.g. iris, retina, blood vessel), print data (e.g. fingerprints, palm print, blood vessel), movement data (e.g. signature, movement, gait), and the like that may be used to facilitate authentication of the visitor.
• In one embodiment systems and methods are provided for universal presence detection and interactions. As a non-limiting example, the universal ID signal is created that represents clients, people or other objects hereafter “first party” where any system, sensor or software can detect that signal and queries it for relevant information for serving the person or object. As a non-limiting example this entails a method of turning mobile devices, wearables or biochips and the like hereafter “device” into a personal transponder (e.g. transceiver) that emits a unique signal via Bluetooth low energy as in one instance to represent the presence of the person, e.g., user. Things around the user can detect the signal and can transform the signal into a meaningful metadata that represents the person or object of the signal.
• In one embodiment systems and methods are provided for instant execution of actions through wireless connections. As a non-limiting example this incorporates a peripheral and central mode of operation is used to obtain a token. The token is only executed when it is within a threshold to make for an instant action. By scanning the address or other identifier of the device, and keeping a token cached locally in the embedded system, the embedded system can then act instantly on any command/intent that the mobile client triggers such that there is no lag between the intent and the performed action.
• In one embodiment systems and methods are provided for sensing the presence of identifiable objects. As a non-limiting sensor technology is used that scans and primes objects nearby which emits a unique universal ID signal. As a non-limiting example, the sensor can trigger an emitter to provide specific information about it or the emitter of the presence universal ID signal can detect the scanner and do the same. In this embodiment systems and methods are provided of turning a sensor into both a peripheral and central device for the purposes of detecting the presence of objects nearby. This can be used to securely make the handshake and reduce the load on the first party by using the scanner on the sensor to do most of the hard work to not overload the peripheral modes.
• In another embodiment systems and methods are provided for passive detection and identification of passengers, first party, on a moving vehicle. As a non-limiting example this can include use of an accelerometer and a signaling protocol to conclude that the object being sensed is in fact travelling with the vehicle that the sensor is attached to. Steps are taken with the universal ID signal and shares commands between the sensor the passenger to trigger a confirmation that the passenger is travelling on the vehicle. The main use case is to sense when people are travelling on a bus or train and to be able to do things such as process payments for the traveler automatically or to track the passenger's route.
• In another embodiment systems and methods are provided to secure offline interactions. As a non-limiting example, a method is provided for collecting a plurality of commands on the first party and a bloom filter is used on the sensor side to certify a secure command through BLE (Bluetooth low energy) has happened without any fall back over the internet. As a non-limiting example this method can be used to issue any type of command, including but not limited to payments, metadata, and the like, between things and a sensor with limited storage capacity within proximity without the need for an internet connection.
• In another embodiment systems and methods are provided for secure physical payment processing over wireless local networks. As a non-limiting example, a method of handshaking the connection to a POS/terminal and the first party's mobile device is used where both sides are securely verified. Once an amount is entered in a terminal and applied to the detected entity the payment is batched and processed on the back end. In this manner there is no exchange of payment information between the terminal and the first party for a safer and secure payment process. In this embodiment the system defines that things are done in a unique way for anything which as non-limiting examples can be Google Hand's Free, Apple Pay and the like.
• In one embodiment systems and methods are provided for wireless identification for connecting second party account services access via a proxy agent. As non-limiting examples the system and method allow devices to detect the first party and access first party accounts including but not limited to: Andorra, Netflix, one or more Calendars, an Amazon Account, and the like, through a proxy agent. As a non-limiting use case is the ability to walk up to any Echo like device and it instantly recognizes and can say “Hello first party X” and first party X can say to it “play my easy music station on Pandora”, having never used the device before or having to set up first party X's specific account with the Echo device. This is an improvement over the need to set up an account and limit these devices to just the users with accounts set to them. Another use case is the ability to use any TV Screen and X's avatar shows. As non-limiting examples as first party X taps it all of its' Netflix shows, YouTube videos, and the like, show up for first party X and to instantly play it. As first party X walks away it all disappears. All of this exposes an oath to the Netflix account of first party X to the TV software to start playing it without forcing first party X to do another separated Netflix login on the TV.
• In another embodiment systems and methods are provided for wireless identification of fixed and roaming objects. As a non-limiting example objects are discovered wirelessly. As non-limiting examples this can be achieved by using this to cover the use case of being able to create a wireless (barcode like identifier) that every device can emit to be identified, including but not limited to, the VIN of a car, a serial number of a customer electronic, and the like. This identification can then be used for situations such as auto paying for parking meters and parking and getting access to buildings, and the like. As another non-limiting example this can be used for turning people into beacons. In this manner each individual object then has its own identity beacon.
• In another embodiment systems and methods are used for bi-directional communicating beacons. As a non-limiting example this can be one of a bi-directional beacon that can not only emit an advertising packet but can also scan for advertisements to query things around it for useful information or metadata that can be used to serve the subject. The limitation of beacons is that they all require a corresponding app that listening for the specific beacon to be of any use. By creating a bi-directional beacon, it can serve people that have the apps. It can also serve people who do not have the apps but detects their presence signature to serve them. This provides a self-contained beacon device similar to current beacons, that operates in both peripheral and central modes for the bi-direction natures of detection and communications.
• In another embodiment systems and methods are provided for a wireless digital driver's license and verified identification. As a non-limiting example, this creates an electronic driver's license that emits as a wireless signal. Police authorities and the like can detect and instantly query the license by standing next to the first party. The first party never needs to carry a license anymore or present any info and their privacy is intact with the use of a universal ID signal. As non-limiting examples this provides how the first party enters its information into its account, how identification is verified through several methods, as well as how an associated universal ID signal provides for security to make the universal ID signal securely available to authorities through their own mobile devices.
• In another embodiment systems and methods are provided for automatically paying fares on public transport. As a non-limiting example provides for, (i) automatically detecting passengers who are on a public transport vehicle, (ii) detects when they get on and off and (iii) processes payment for the fare automatically for them on the back end without the user having to do anything.
• InFIG. 13 systems are illustrated including a first user device (e.g. a smart phone, smart watch, ring, tablet, wearable device, augmented reality glasses)1302 coupled to areader1304 and to a cloud-basedserver1306.Reader device1304 may also be coupled to aperipheral device1308 andfinancial server1334. In some embodiments,peripheral device1308 may be a laptop computer, a point of sale (POS) system, a transportation-related device, a ticket machine, a security door or gate, a control panel, a locker (e.g. Amazon), and the like. InFIG. 13, a peripheral access control system (PACS)1316 may be provided in some embodiments to controlperipheral device1308. In some embodiments,server1316 may also be coupled tofinancial server1334.
• In some specific embodiments,reader device1304 may be embodied in a transit terminal that controls user access to a transit system (e.g. peripheral device1308), e.g. security door or gate, computer, control panel, or other device described herein. In another embodiment,reader device1304 may be coupled to a point of sale (POS) system (e.g. peripheral device1308).
• In some embodiments,reader device1304 performs several functions when interacting with user devices (e.g. device1302) including: broadcasting a beacon, scanning for nearby user devices (detecting ephemeral IDs or identifiers); connecting to (and optionally pairing) with devices for secure transfer of data;. providing reader identifiers; receiving payload data from devices; and optionally interacting withfinancial server1334.
• FIGS. 14A-F illustrates a block diagram of a process according to some embodiments of the present invention. To better visualize the interaction between components of embodiments of the present invention, these steps are illustrated with respect to a system block diagram similar to that illustrated inFIG. 13.
• InFIGS. 14A-B, in some embodiments, users desire to obtain services fromsecurity server1306,step1400 and download and install a security application on their smart-device1302,step1402. The application may be downloaded from an application store such as the AppStore, Google Play, and the like. In some embodiments, the security application may be an application developed by the assignee of the present patent application. Next, using the security application running upon the smart device, the users provide identifying information such as their e-mail address, phone number, or the like toauthentication server1306 via a wide-area network to registerdevice1302 with the cloud-basedsecurity server1306,step1404.
• In some embodiments, the user may provide financial account data or payment data to the application on the smart device,step1406. In some examples, the financial account data maybe a credit card, a bank account number, a debit card, a third-party payment system, e.g. PayPal token, a Clipper card, or the like. In various embodiments, the application may determine a provider associated with the financial account,step1408 and a public encryption key associated with the financial account data,step1410. It is contemplated that such financial account providers facilitate secure communications across wireless communication devices by supporting such public/private key functionally.
• In some embodiments, in response, the financial account data may be encrypted with the financial provider's public key,step1412. In some examples, the user smart device may performsteps1408 and1410, and in other examples,security server1306 may perform these steps. In various embodiments, the application may then securely upload the encrypted data tosecurity server1306 for storage in association with the user identifying information,step1414.
• In some embodiments, the application may acquire biometric data associated with the user,step1416. For example, the user's smart device may capture an image of the user's face, a fingerprint, a voice print, performance data (e.g. movement data, gait data, gesture data, signature data, or the like. This biometric data may optionally be hashed before being encrypted with a private key of the user,step1418. In various embodiments, the application may then securely upload the encrypted biometric data tosecurity server1306 for storage in association with the user identifying information,step1420.
• As a result of these steps, the users and the users' smart phones are personally identified tosecurity server1306 along with encrypted financial information and optionally encrypted biometric data,step1422.
• In various embodiments,reader devices1304 may be installed on transportation related systems (peripheral device1308), e.g. mass transit systems, busses, trains, airports, taxis, ride-sharing systems (e.g. automobiles, bicycles, scooters, etc.), ports, or the like. In other embodiments,reader devices1304 may be installed next to point of sale (POS) systems (peripheral device1308), or the like.
• In various embodiments,reader1304 is typically registered withsecurity server1306 via use of a reader identifier, or the like. Additionally,reader device1304 may also be registered withfinancial server1334, in some specific cases of a transit-related embodiment. For example,reader device1304 may be associated with a particular geographic transit station, a particular vehicle, and the like.
• InFIG. 14C, initially reader device (e.g.1304) broadcasts signals using one of its short-range radios (e.g. a first radio—BLE),step1424. Additionally, reader devices enter a scanning mode using one of its short-range radios (e.g. BLE, UWB) to monitor for ephemeral ID or identifier signals from smart devices, etc.,step1426. In some embodiments, the radio used may be the same radio used instep1424 or may be another radio. As examples, a first radio may be used for bothsteps1424 and1426 by alternating in time between broadcast and scan modes, or a first radio may be used forstep1424 and a second radio may be used forstep1426.
• Next, in some embodiments, user devices, e.g.1302 may receive the broadcast signals fromreader device1304 and the security application discussed instep1402 may be launched, if the security application is not already running on the smart devices (or in the background or registered with the operating system),step1428. In some embodiments, the security application may be an application developed by the assignee of the present patent application. In some examples, the operating system may automatically launch the security application or portions of the application, in other examples, the user manually runs the security application, or the like. In other examples, a user may be required to enter a password, provide biometric data, or the like to facilitate some of the operations described herein.
• In some embodiments, responsive to the broadcast signals fromreader device1304,smart device1302 provides responsive signals (e.g. ephemeral IDs or identifiers),step1430. As described above, ephemeral IDs from user devices do not personally identify the users toreader1304. In various embodiments, the ephemeral IDs may include unique MAC addresses, that may be changed or rotated by thesmart devices1302 over time. In some embodiments,reader1304 then receives the ephemeral IDs or identifiers,step1424. This may occur via Bluetooth Low Energy (BLE), ZigBee, UWB, Wi-Fi, or the like.
• In various embodiments, in response to the ephemeral ID, reader device may provide identifying information back tosmart device1302,step1426. Identifying information fromreader device1304 may include a reader identifier, a nonce or other unique data. In some examples it may also include a provider identifier (e.g. transit agency, retailer, rentee, or the like).
• In some embodiments, a fare or transaction and/or a payment method may be provided,step1428. In some examples, the provider'sreader device1304 may provide an amount or fare touser device1302 and in other cases, the user may enter an amount or fare on their smart device, or authorize the transaction. In still other examples, an amount, fare, or the like may be a set amount, accordingly any transaction may be assumed to be the set amount, accordingly, this step may not be needed. In some examples, the user may specify a specific method for payment, e.g. PayPal, Visa, American Express, or the like. In other cases, a default payment method may be specified or assumed by the service or good provider.
• In various embodiments, in response to reader device data,smart device1302 may upload the reader data along with user-identifiable information1320 tosecurity server1306,step1430. In some embodiments, the uploaded data may include transaction details, including a provided fare or transaction amount, payment provider, etc. may also be uploaded. In various embodiments, these steps may occur via Wi-Fi, cellular,4G,5G, or the like.
• In various embodiments,security server1306 determines a financial transaction server associated with the reader identification data,step1432. As discussed above, in some embodiments, the user may specify a specific transaction processor (e.g. Chase Visa, Discover Card, PayPal, SmartCard, etc.) for processing the transaction, and in other embodiments, a default transaction server may be used (e.g. Clipper card, a debit card, etc.). As discussed in conjunction withFIG. 14A-B, in some embodiments, the user's financial data may be encrypted with the financial server's public key and the encrypted data may be stored in security server. Accordingly, in this step, the encrypted financial data may be identified.
• In various embodiments, the security server may sendtransaction details1332 including encrypted financial data, an identifier of the provider (e.g. a payee), the amount or fare, and the like to the financial institution server1334 (e.g. credit card issuer, bank, fare payment service, third-party service (e.g. PayPal)), step1434. In various embodiments, these steps may occur via Wi-Fi, cellular, 4G, 5G, or the like.
• In response, thefinancial server1334 may first determine the payee, e.g. the service of goods provider (e.g. transit authority, store, rental car company, or the like),step1440.Financial server1334 may then decrypt the encrypted financial data provided bysecurity server1306 using their (financial server1334) private key to recover the user's financial data, e.g. account number, credit card account, PayPal authorization token, etc.step1442. Following these steps, thefinancial server1334 may process the transaction,step1444, on behalf of the provider. In one example, a credit card company (1334) may charge the specified amount against the user's credit card number; in another example, a financial institution may debit an amount against the user's checking or savings account; in another example, a third-party company (e.g. PayPal, Clipper) may record the transaction and then later process the payment via a user-provided payment method (e.g. credit-card); in still another example, a register entry detailing a financial transaction may be provided to a shared, distributed ledger (e.g. blockchain ledger) such as a bitcoin, Ethereum, or the like. In various embodiments, iffinancial server1334 is able to record the transaction,step1446,financial server1334 provides a transaction receipt, success signal, or the like, back tosecurity server1306,step1448.
• In various embodiments, in response to the successful transaction receipt,security server1306 determines a token or other encrypted data packet,step1450. In various examples, the encrypted token may be encrypted using a private key ofsecurity server1306. It is contemplated thatreader device1304 includes a public key forsecurity server1306 which can decrypt the token. In various embodiments,security server1306 then returnstoken data1322 back tosmart device1302,step1452.
• In various embodiments, the token may include a payload portion that includes different types of data. In one embodiment, the token may include a transaction receipt provided bytransaction server1334; in one embodiment, the token may include personally identifiable data, such as a user photo, a user name, an account number, a badge number, or the like; and the like. In some embodiments, some of the transaction data may be also provided and stored in an unencrypted form tosmart device1302,step1454. Such unencrypted data may be provided the user with a transaction receipt, or the like.
• In the example illustrated, thetoken data1324 is then be passed toreader1304 via short-range communications channels, such as BLE, Zigbee, UWB, or the like,step1456. Upon receipt,reader device1304 decrypts the token (typically using the public key of security server1306),step1458. In some examples, the token may include data encrypted with a private key of the security server, and the reader devices uses the public key of the security server to recover the token payload data. In some embodiments, the token payload data may include indication that the transaction was approved by the financial data provider, and the like. Next,reader device1304 determines whether the payload data includes a successful transaction receipt, or the like,step1460.
• In various embodiments, if the transaction is not approved,reader device1304 may output a user-perceptible action such as a red light, an audio message (e.g. buzz), locking a door or a gate, or the like,step1462, indicating the transaction the failure.
• In embodiments wherereader device1304 determines the transaction is approved,reader device1304 may direct1328peripheral device1308 to perform a user-perceptible action such as activating a green light, playing an audio message (e.g. ding), unlocking a turnstile, opening gates, deactivating a security tag, printing a receipt, indicating success in a POS system, authorize delivery of an item from a stockroom, unlocking a safe, unlocking a locker, or the like,step1464. In some embodiments, inperipheral device1308, a locking mechanism of a turnstile or door is released under direction ofreader1304; user-impeding gates are retracted under direction orreader1304; a visual display or audio output acknowledging success (e.g. “Valid”, “Ok”, “Sufficient Funds”, a green light, a “ding” sound, or the like) may be output for convenience of the user, human monitors, video recording, or the like. Additionally,reader device1308 may direct the production of a proof-of payment media byperipheral device1308. An example of such media is a paper or plastic media with a magnetic storage area, a bar-code (e.g. a visible pattern, QR code, etc.), or the like. Additionally, anacknowledgement1326 of the approved transaction maybe sent byreader1304 touser device1302,step1466, for storage thereon.
• In various embodiments directed to a service system such as a transit system, upon approval of the token, a user may then board a bus, tram, airplane, or the like; in a service system such a performance or concert, the user may enter the theater, auditorium, sports stadium, or the like; and in an embodiment directed to a good purchase system, the user may then walk out of the store, remove an object from a vending machine, or the like,step1468.
• In some embodiments, it is contemplated that a user interacts a single time with the reader system or the like to receive the goods or services. However, additional embodiments are directed to systems where the user interacts two or more times with a provider system to receive the goods or services. In such cases, the user may check-in to the provider system and later check-out of the provider system in two separate transactions ofstep1444. Some examples of this are a subway or train system or toll road where a fare or toll depends upon the distance between the check-in location and the check-out location; a hotel, office or car rental where the rental amount depends upon the rental time; a restaurant, a printer, data service provider or the like where the user checks-in to obtain authorization and the user checks-out after finishing, where the cost depends upon an amount consumed, bandwidth used or pages output, or the like.
• In some embodiment, the process described above may generally be used for both the check-in and check-out process. Some differences may include, upon check-in, the security server may receive the authorization from the financial entity instep1444 to simply indicate that the user has a valid financial account. In additional embodiments, the financial entity may also record the identifier of a first reader device (e.g. associated with the location where the user checks-in) as well as the check-in time. In various embodiments, upon user check-out, the financial entity may record the identifier of a second reader device (e.g. associated with the location where the user checks-out) as well as the check-out time. In real-time or at a later time, based upon the check-in/check-out locations, check-in/check-out times, or the like, the financial entity may determine an amount and then charge the user's account for this amount instep1444. In other embodiments, upon user check-out, an amount may be determined by the second reader device or the user's smart device. Then, in such embodiments, the financial entity receives the amount from the user's smart device and then processes the transaction for the amount against the user's account.
• In some embodiments, a financial server is not used and blockchain principles may be used to record the transactions. In various embodiments, upon registering with security system, financial data need not be provided by the user. Instead, as the provider reader device provides its identifiers to the user's smart device, the user may authorize retrieval of a blockchain key or blockchain address on their smart device. The smart device may then upload the reader identifier, the user's blockchain key or address, the amount of the transaction, and the like to the security server. In response, security server creates a blockchain transaction, and then broadcasts the transaction for validation and entry into a ledger. After broadcasting the transaction, the security server may create and pass the token back to the user's smart device, as discussed above. Similar to the embodiments described above, in cases where there is a check-in / check-out pair of events, the security server may create and upload the blockchain transaction at check-out time.
• In still other embodiments,reader1304 may receive the user's financial information fromsmart device1302. In some examples,security server1306 may provide the encrypted user financial information (e.g. payment account information) back toreader1304 viasmart device1302. In another embodiment, financial account information need not be stored upon security server, and may be provided from the user'ssmart device1302 directly to thereader device1304. In such examples, thesecurity server1306 may still authenticate the user and provide a token1322 back to the user'ssmart device1302 for thereader device1304. In various embodiments, thereader device1304 may be coupled directly tofinancial server1334, andreader device1304 may directly submit thetransaction data1332 that includes the received user financial account information. In response,financial server1334 may record the transaction or may debit or charge the user's financial account, and provide a transaction successful message back toreader1304.Reader device1304 may then controlperipheral device1308 ordirect server1316 to controlperipheral device1308 upon success. As discussed above,peripheral device1308 may control a solenoid, lift a gate, open a door, display a success message, play an audio message, or the like. This physical action allows the user to complete the transaction, e.g. board a bus or train, rent a scooter or other vehicle, leave a store, and the like.
• In various embodiments, a user's smart device and a reader device may both use ranging data (e.g. RSSI) to facilitate transactions. This is especially valuable in situations where there are multiple smart devices and multiple reader devices. In such embodiments, a user smart device may use BLE, UWB, or other mechanisms to determine a signal strength between the smart device and reader devices, to determine the reader device the user desires to transact with. Similarly, the reader device may use BLE, UWB, or other signal strength mechanisms to determine which smart device it is receiving data from.
• In various embodiments, biometric data capture and comparisons may also be performed to verify the identity of the user. As an example of this, areader device1304 may be coupled to abiometric capture device1336, e.g. video camera, finger print scanner, voice capture device, motion or performance capture, or the like. In such examples, thereader device1304 may digitally sign or encrypt the captured biometric data, hash of biometric data using thereader device1304 private key or thesecurity server1306 public key, or the like. The encrypted data is passed to the user'ssmart device1302 and in turn thesmart device1302 uploads the secure biometric data to the security server1306 (where, the user has previously registered their biometric data, hash of their biometric data, or the like).Security server1306 may then decrypt the biometric data, hashed biometric data, or the like and compare to the user's registered biometric data or hashed biometric data. In some embodiments, if there is a match,security server1306 may provide an indication of the biometric match back to thereader device1304 via the user'ssmart device1302. In other embodiments, the generation of the token discussed above may also be dependent upon whether there is a biometric match, or not. For example, without the biometric match, thesecurity server1306 will not submit the transaction details1332 to thefinancial server1334; without the match, the payload data stored in a token fromsecurity server1306 will indicate a not approved condition; or the like.
• In another embodiment systems and methods are provided for secure decentralized wireless identification. As a non-limiting example this provides for the use of a first party's fingerprint, voice, appearance, and the like to verify identity to some other system without sharing the information with second party systems. In one embodiment this is achieved by using the app of the present invention on a device, including but not limited to a mobile device, as the primary validator. A presence protocol is used to bounce the verification step between the proxy detector (fingerprint/scanner, voice/mic, appearance/camera) and the first party's proxy app such that the first party's identity and bio-info stays within the first party's control and is never shared with any central server or second party system. This provide a secure decentralized method of identification without the need to share first party information with others. This can be used for high security needs. It can also be used for additional situations including but not limited to: buying a new device and using the first party's fingerprint to log in and create an account with the device service provider without the need to fill out any form. The device instantly knows the first party name and says: “Hello first party X, I'm your new radio, how are you today?”. As non-limiting examples this includes but is not limited to:
• Vision—face detected and checking that its first patty X by hashing matching with the face first party X has on its device;
• Voice—voice detected and checking that it's the first party by hashing its voice and checking with the proxy app to verify it is the first party;
• Fingerprints; and
• Other Biometrics.
• All never leaving the first party's device.
• In another embodiment systems and methods are provided for a universal people sensor microchip for universal sensing and identifying people interacting with a product or service.
• As a non-limiting example this can include a “Universal People Sensor” as a stand-alone dedicated microchip designed to be embeddable in any consumer electronic or manufactured product to allow the product detect people that are using the product. It can also be used to extract information from the person, all without the person downloading a specific app or the device creating its own sensor. As a non-limiting example this provides a method to create the sensor, and how the sensor does what it does to identify and extract data from first parties. In one embodiment this includes how a microchip can be designed and its system and methods to behave as a universal people sensor microchip for the purposes of being something that other manufacturers can embed into their products as a plug-n-play system.
• In another embodiment systems and methods are provided for wirelessly transmitting a first part's personal preference. As a non-limiting example this can include a way for any first person to beam out their references to devices around them. As a non-limiting example this includes how a first person can enter how they like their coffee in an app where a first-person account holds their personal preferences, and the app will make that information available to any coffee machine or coffee shop the first person walks into. In this embodiment collecting, organizing and beaming out a first person's personal preference are provided in a universal way, not as a locked in siloed way which is how all apps/iota devices currently do things.
• In another embodiment systems and methods are provided for physical access identification using facial recognition. As a non-limiting example, a way is provided to identify a first party and grant them access based on them emitting a universal ID signal that verifies who they are to the reader as a first factor. A reader with a camera uses a camera image to match the face that the first party has in its account as a second factor. Learning algorithms can be utilized to better match the face every time the first party walks into a door.
• In another embodiment systems and methods are provided for physical access identification of a first party using voice recognition. As a non-limiting example, a first party Is identified and then granted access based on emitting a universal ID signal that verifies who the first party is to a reader as a first factor. The reader has a microphone and requires the first party user to say “open” to match the voice pattern to that of a pre-recorded voice pattern as part of the first party signup process. The reader then matches the voice pattern that the first party has in its account as a second factor. Learning algorithms can be used to better match the voice every time the first party walks into a door.
• In another embodiment systems and methods detect tailgating activities using wireless sensors and personal devices. As a non-limiting example, a method is provided to detect if a possible tailgating event has occurred by requiring all occupants to carry with them a mobile device that emits a unique universal ID signal that represents them to a reader, paired with other sensors such as thermal imaging or people counter sensors, such that the combined data allows us to count there are two proxy users. When there are three people passing through the door one is a tailgater. Several technologies can be utilized for counting people including but not limited to WIFI, ultrasound and the like. As a non-limiting example, he combination of such technologies working with the universal ID signal helps to surface tailgating events.
• In another embodiment systems and methods are provided for autonomous vehicle identification of passengers for intended locking, unlocking and personalization. As a non-limiting example this provides a method that the autonomous cars use a universal ID signal to detect if they are the right passenger they are supposed to pick up without the first party having to do anything. Since cars are required to be locked in motion, autonomous cars need a way to only unlock for the right passenger on the sidewalk such that a random person doesn't jump in the car instead. The car can also use a universal ID signal to personalize the drive experience and to show a screen identifying to the passenger that this car is allocated to that first party. In this manner the problem of one car maker and one app problem is resolved by allowing all cars to use the same universal ID signal in such a way that the car software can pull in the relevant information needed to give the passenger both a personalized experience and secure/efficient pick up and open experience.
• In another embodiment systems and methods are provided for machine to machine proximity payment transactions. As a non-limiting example this covers a way for independent machines to send payments to each other without requiring credit cards or a first party to intermediate. This allows for machine to machine transactions to occur. As a non-limiting example this can include: autonomous cars to pay for parking directly to a parking meter without first party involvement, e.g., it is achieved passively.
• In one embodiment an inductive charging of a lock via cylindrical latch mechanism is provided. As a non-limiting example, a charge lock device is provided by an inductive coil within a latch mechanism and coils around a slot that the latch goes into to lock a door.
• In one embodiment inductive charging of lock is provided via a lock faceplate and a lock device is charged by inductive coils positioned around door/frame faceplates.
• In one embodiment inductive charging of phone devices is provided on a car body. As a non-limiting example, a first party's phone is charged by placing it on the bonnet of the car, for future cars that use the first party's phone as the key as a backup when the phone is dead is can still charge and allows entrance into the car.
• In one embodiment any AI (assistant AI and voice command AI) can tap the universal ID signal representing the first party queries it for useful information to serve the first .
• In one embodiment a knock can be provided on the first party's phone to trigger a command to unlock a door in proximity.
• In one embodiment first party phone sensors are used to fingerprint the first party such that access to a building is only granted if it's the owner of the phone. As a non-limiting example this can be applied specifically for access control and other use cases where the first party needs to be identified by its phone.
• In one embodiment a first party driver with the universal ID signal and a car with a Universal ID sensor that verifies the first party can drive the car and enabled ignition and a combination of the first party, car and garage sensing gives access to the car and first party driver for secure vehicle access.
• In one embodiment an organization with a fleet of cars can authorize a driver with insurance information switches over to the car and driver for the duration of the trip. This can be used as well for a rental car situation.
• In one embodiment energy harvesting is achieved via weight and coil for Beacons in high vibration environments, including but not limited to buses, cars and the like.
• In one embodiment energy harvesting is provided charging door devices using a hinge of a door to charge by the motion of the open and closing swinging door to charge via gears.
• In one embodiment Idea a first person's universal ID signal (from a pedestrian's phone) in traffic for cars and public transport detects pedestrians and cyclists on the road. Transport/traffic systems can use it to optimize public transport and road traffic.
• In one embodiment a system presence hub is plugged into a power socket in a garage that then emits a RF signal to open the garage door as the first party drives to the garage. This requires no installation and is like how a first party programs its garage relative to obtaining a new transponder.
• In one embodiment an edge system is provided that includes systems and methods to enable controller-less access control for easy installation and integration into any electrified door system.
• In one embodiment background a firmware OTA update system and method are provided.
• In one embodiment systems and methods allow second parties to leverage a system presence system to be able to detect their beacons without needing first parties to download their own apps.
• In one embodiment a bio-chip is provided that emits the universal ID signal which allows any system to detect it and use it to serve the first party in a secure and private way.
• In one embodiment a universal way is provided that provides for a car to be able to give a first party a personalized experience by detecting the universal ID signal.
• In one embodiment the universal ID signal allows an augmented reality system to use it to identify and provide relevant information of people augmented in the system.
• In one embodiment a cached token system and methodology are provided via the universal ID signal.
• In one embodiment rotating mac addresses of mobile devices to ensure a persistent signal is achieved using the universal ID signal. Such systems can use the universal ID signal without having to track and monitor the mac address, e.g., a challenge-response exchange.
• In one embodiment the universal ID signal is used for logical access as a second factor auth.
• In one embodiment a FPGA is used to enable the universal sensor to be universally compatible with any embedded system by programmatically enabling it to be configured to work with any interface protocol.
• In one embodiment a process is provided of using a phone's magnetometer to determine directionality at an access point, i.e. entering or exiting the door.
• In one embodiment each device is represented individually by a card but accessed collectively via an app container view. Each can be selected individually and be expanded to view details and send/receive commands from the associated device.
• In one embodiment two BLE radios function in a way to solve for limitations of BLE not being able to connect and interact with hundreds of other devices/phones, as is illustrated inFIG. 12. As a non-limiting example one radio tracks broadcasts presence of the reader device and scans for presence of smart devices, and the other radio is used to pair the reader devices to the smart devices, individually.
• Therefore, it is to be understood that the present disclosure is not to be limited to the specific examples illustrated and that modifications and other examples are intended to be included within the scope of the appended claims. Moreover, although the foregoing description and the associated drawings describe examples of the present disclosure in the context of certain illustrative combinations of elements and/or functions, it should be appreciated that different combinations of elements and/or functions may be provided by alternative implementations without departing from the scope of the appended claims. Accordingly, parenthetical reference numerals in the appended claims are presented for illustrative purposes only and are not intended to limit the scope of the claimed subject matter to the specific examples provided in the present disclosure.
• Further embodiments can be envisioned to one of ordinary skill in the art after reading this disclosure. In other embodiments, combinations or sub-combinations of the above disclosed invention can be advantageously made. The block diagrams of the architecture and flow charts are grouped for ease of understanding. However, it should be understood that combinations of blocks, additions of new blocks, re-arrangement of blocks, and the like are contemplated in alternative embodiments of the present invention.
• The specification and drawings are, accordingly, to be regarded in an illustrative rather than a restrictive sense. It will, however, be evident that various modifications and changes may be made thereunto without departing from the broader spirit and scope of the invention as set forth in the claims.

Claims (20)

We claim:

1. A method for a system comprising:

broadcasting with a first short-range transceiver of a reader device associated with transaction system to a smart device, a first identifier;

receiving with the first short-range transceiver of the reader device from the smart device, an ephemeral ID, wherein the ephemeral ID is not permanently associated with a user of the smart device;

providing with the first short-range transceiver of the reader device to the smart device, a second identifier and a unique data packet;

receiving with the first short-range transceiver of the reader device from the smart device a token, wherein the token is determined by an authentication server in response to the second identifier and the unique data packet, and wherein the token comprises a payload portion;

determining with a processor of the reader device whether the token is valid; and

directing with the processor of the reader device the transaction system to perform a user-perceptible action for the user, that authorizes the user to enter or exit a location associated with the transaction system in response to determining the token to be valid.

2. The method ofclaim 1 wherein the user-perceptible action is selected from a group consisting of: opening a gate, unlatching a turnstile, displaying an image, playing audio data, unlatching a door, delivering a good, deactivating an alarm, and printing a receipt.

3. The method ofclaim 1

wherein the payload portion comprises financial data associated with the user;

wherein the method further comprising:

determining with the processor of the reader device a transaction amount;

requesting with the processor of the reader device that the transaction amount and the financial account associated with the user are recorded; and

receiving with the processor of the reader device an indication that transaction amount and the financial account associated with the user are recorded; and

wherein the directing with the processor of the reader device the transaction system to perform the user-perceptible action for the user authorizing the user to enter or exit the location with the reader device is also in response to receiving the indication that the transaction amount and the financial account are recorded.

4. The method ofclaim 1

wherein the payload portion comprises financial data associated with the user;

wherein the method further comprising:

providing with a first wide-area transceiver the financial data associated with the user and data associated with the reader device to a financial server associated with the financial data; and

receiving with the first wide-area transceiver of the reader device from the financial server an indication that the financial data associated with the user and the data associated with the reader device are recorded; and

wherein the directing with the processor of the reader device the transaction system to perform the user-perceptible action for the user is also in response to receiving the indication that financial data and the data associated with the reader are recorded.

5. The method ofclaim 1 wherein the unique data packet is selected from a group consisting: a pseudorandom number, a nonce, a random number, and a time stamp.

6. The method ofclaim 1

wherein the directing with the processor of the reader device the peripheral device to perform the user-perceptible action comprises directing with the processor of the reader device the peripheral device to perform the user-perceptible action for the user, authorizing the user to enter the location associated with the reader device in response to determining the token to be valid; and

wherein the method further comprises:

broadcasting with the first short-range transceiver of the reader device associated with the point of sale (transaction) system to the smart device, the first identifier;

receiving with the first short-range transceiver of the reader device from the smart device, the ephemeral ID, wherein the ephemeral ID is not permanently associated with the user of the smart device;

providing with the first short-range transceiver of the reader device to the smart device, the second identifier and another unique data packet;

receiving with the first short-range transceiver of the reader device from the smart device another token, wherein the other token is determined by the authentication server in response to the second identifier and the other unique data packet, and wherein the other token comprises another payload portion;

determining with the processor of the reader device whether the other token is valid; and

directing with the processor of the reader device the transaction system to perform another user-perceptible action for the user, that authorizes the user to exit the location associated with the transaction system in response to determining the other token to be valid.

7. The method ofclaim 1 further comprising:

capturing with a first biometric sensor of the reader device biometric data associated with the user;

forming with the processor of the reader device secure biometric data in response to the biometric data;

providing with the first short-range transceiver of the reader device to the smart device, the secure biometric data; and

wherein the token is determined by the authentication server in response to the second identifier, the unique data packet, and the secure biometric data.

8. A system comprising:

a transaction system configured to perform a user-perceptible action; and

a reader device having a first-short range transceiver coupled to the transaction system, wherein the first short-range transceiver is configured to output a first identifier to a smart device, wherein the first short-range transceiver is configured to receive an ephemeral ID from the smart device, wherein the ephemeral ID is not permanently associated with a user of the smart device, wherein the first short-range transceiver is configured to output a second identifier and a unique data packet to the smart device, wherein the first short-range transceiver is configured to receive a token from the smart device, wherein the token is determined by an authentication server in response to the second identifier and the unique data packet, and wherein the token comprises a payload portion comprising transaction data, wherein a processor of the reader device is configured determine whether the token is valid, wherein the processor of the reader device is configured determine whether the transaction data indicates a success condition, wherein the processor of the reader device is configured to direct the transaction system to perform the user-perceptible action for the user in response to determining that the token is valid and the transaction data indicates the success condition.

9. The system ofclaim 8 wherein the user-perceptible action is selected from a group consisting of: opening a gate, unlatching a turnstile, displaying an image, playing audio data, unlatching a door, delivering a good, deactivating an alarm, unlocking a lockbox, and printing a receipt.

10. The system ofclaim 8

wherein the payload portion also comprises financial data associated with the user;

wherein the processor of the reader device is configured to receive a transaction amount from the transaction system;

wherein requesting with the processor of the reader device that the transaction amount and the financial account associated with the user are recorded; and

receiving with the processor of the reader device an indication that transaction amount and the financial account associated with the user are recorded; and

wherein the directing with the processor of the reader device the transaction system to perform the user-perceptible action for the user authorizing the user to enter or exit the location with the reader device is also in response to receiving the indication that the transaction amount and the financial account are recorded.

11. The system ofclaim 8 further comprising

a biometric sensor coupled to the reader device, wherein the biometric sensor is configured to capture biometric data associated with the user;

wherein the processor of the reader device is configured to determine secured biometric data in response to the biometric data;

wherein the first short-range transceiver is configured to send the secured biometric data to the smart device; and

wherein the token is determined by the authentication server in response to the second identifier, the unique data packet, and to the secured biometric data.

12. The system ofclaim 8 further comprising the authentication system coupled to the reader device via the smart device, wherein the authentication system is configured to receive the second identifier, the unique data packet, a transaction amount, an identifier associated with the user, and user financial data, wherein the authentication system is configured to transmit the transaction amount, and the user financial data to a transaction server, and wherein the authentication system is configured to receive a financial authorization from the transaction server, and wherein the authentication server is configured to determine the token also in response to the financial authorization.

13. The system ofclaim 12 wherein the transaction system is configured to provide the transaction amount to the authentication system.

14. The system ofclaim 12

wherein the user financial data comprises encrypted user account data;

wherein the authentication system is configured to receive user account data from the smart device; and

wherein the authentication system is configured to determine the encrypted user account information in response to the user account data.

15. A method for a system comprising:

broadcasting with a first short-range transceiver of a reader device associated with transaction system a first identifier to a smart device;

receiving with the first short-range transceiver of the reader device an ephemeral ID from the smart device, wherein the ephemeral ID is not permanently associated with a user of the smart device;

providing with the first short-range transceiver of the reader device transaction data comprising a second identifier and a unique data packet to the smart device;

receiving from a second transceiver of the authentication server the transaction data, a transaction amount and a user identifier from the smart device;

determining with a first processor in the authentication server a financial server associated with the user in response to the user identifier;

determining with the first processor in the authentication server user financial data in response to the user identifier;

providing with a third transceiver of the authentication server, the user financial data and the transaction amount to the financial server;

receiving with the third transceiver a response from the financial server in response to the user financial data and the transaction amount, wherein the response comprises an approved condition or an unapproved condition;

determining with the first processor a token in response to the response and the transaction data;

providing with the second transceiver the token to the smart device;

receiving with the first transceiver the token from the smart device;

determining with a second processor of the reader device whether the token is authentic;

determining with a second processor of the reader device whether the response is the approved condition; and

directing with the second processor a peripheral device to perform a user-perceptible action in response to determining the token is authentic and in response to the determining the response is the approved condition.

16. The method ofclaim 15 wherein the user-perceptible action is selected from a group consisting of: opening a gate, unlatching a turnstile, displaying an image, playing audio data, unlatching a door, delivering a good, deactivating an alarm, activating a vending machine, vending a product and printing a receipt.

17. The method ofclaim 15 further comprising:

capturing with a first biometric sensor of the reader device biometric data associated with the user;

forming with the second processor secure biometric data in response to the biometric data;

providing with the first short-range transceiver of the reader device to the smart device, the secure biometric data.

18. The method ofclaim 17 further comprising:

receiving in the second transceiver the secure biometric data from the smart device;

determining in the first processor stored biometric data in response to the user identifier;

determining a match condition when the stored biometric data matches the secure biometric data; and

wherein the token is also determined in response to the response, the transaction data and to the match condition.

19. The method ofclaim 17 wherein the biometric data is selected from a group consisting of: facial data, print data, finger print data, palm print data, iris data, motion data, audio data, and user performance data.

20. The method ofclaim 15 further comprising the transaction server determining a transaction amount.

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