Christine E Wood

US Patent:

20060184801, Aug 17, 2006

Filed:

Mar 28, 2006

Appl. No.:

11/391519

Inventors:

Richard Wood - Houston TX, US
Christine Wood - Houston TX, US
Wesley White - Spring TX, US

International Classification:

H04K 1/00

US Classification:

713186000

Abstract:

A method for controlling fraud using a personal hybrid card and a verification process is disclosed. The method includes registering personal information of an individual in a database forming a registered account for the individual, and assigning a personal hybrid card to the individual with the registered account. The personal hybrid card includes a data storage and a copy of the personal information, including first biometric data stored in the data storage. The method continues by verifying, at an access point, that the individual with the personal hybrid card matches the first biometric data of the individual, that is stored on the personal hybrid card. Next, the individual's personal information is transmitted from the access point to the database for requesting verification of the individual to use the personal hybrid card, and receiving eligibility verification or denial of the individual for accessing services, benefits, programs, and combinations thereof.

US Patent:

20070288759, Dec 13, 2007

Filed:

Aug 16, 2007

Appl. No.:

11/893583

Inventors:

Richard Wood - Houston TX, US
Christine Wood - Houston TX, US

International Classification:

H04L 9/32

US Classification:

713186000

Abstract:

Methods for pre-registering a participant in a program database using a participant smart card and biometric data in a verification process to manage fraud and enhance security and privacy protection are disclosed. The methods include pre-registering, or alternatively registering, individual information including biometric data in the program database, forming a secured registered account for the participant, and assigning the participant smart card to the participant with the secured registered account. The methods continue by determining risk factors for the participant, assigning at least one program with program risk factors to the participant, authenticating identity of the participant at a program access point, receiving eligibility verification or denial of the participant to access and use assigned programs, and updating the database data for exit verification. Cardless and contactless methods for identity authentication, eligibility verification, and exit verification include using biometric data or biometric data and assigned risk factors for accessing programs.