Systems, method and computer-accessible mediums for providing secure paper transactions using paper fiber identifiers

Patent metadata

Field	Value
Publication number	US-9727911-B2
Application number	US-201313764205-A
Country	US
Kind code	B2
Filing date	Feb 11, 2013
Priority date	Feb 10, 2012
Publication date	Aug 8, 2017
Grant date	Aug 8, 2017

Abstract

Exemplary systems, methods and computer-accessible mediums can receive information comprising a first speckle pattern(s) associated with a portion(s) of the paper. The information can be generated by an optical arrangement, and the first speckle pattern(s) can be compared with a second speckle pattern(s) to determine if a similarity measure based on local or global descriptors is of equal to a predetermined amount or within a predetermined range.

First claim

What is claimed is:

1. A non-transitory computer-accessible medium having stored thereon computer-executable instructions for activating a paper as a financial instrument, wherein, when a computer hardware arrangement executes the instructions, the computer arrangement is configured to perform procedures comprising:
electronically capturing at least one speckle pattern associated with at least one portion of the paper using an optical hardware arrangement;
electronically generating information based on the at least one speckle pattern, wherein the information includes at least one speckle hash;
authenticating the information to determine if the paper was issued by at least one financial institution;
transmitting, over an electronic network, the at least one speckle hash;
transmitting, over the electronic network, an electronic deposit of a particular amount of money into at least one account associated with at least one person at the at least one financial institution; and
activating the paper as the financial instrument having a denomination based on the particular amount of money based on the at least one speckle hash.

2. The computer-accessible medium of claim 1 , wherein the denomination is fixed.

3. The computer-accessible medium of claim 1 , wherein the computer arrangement is configured to electronically authenticate the information by comparing the at least one speckle hash with at least one stored speckle hash.

4. The computer-accessible medium of claim 3 , wherein the computer arrangement is configured to perform the authentication based on a similarity measure of at least one of (i) local or global descriptors or (ii) a Euclidean distance.

5. The computer-accessible medium of claim 1 , wherein the information includes at least one low dimensional representation of the paper, and wherein the computer arrangement is configured to electronically authenticate the information by comparing the at least one low dimensional representation of the paper with at least one stored data of low dimensional representations based on a similarity measure of at least one of (i) local or global descriptors or (ii) a Euclidean distance.

6. The computer-accessible medium of claim 1 , wherein the computer arrangement is configured to electronically activate the paper as the financial instrument by transmitting at least one message to the at least one financial institution.

7. The computer-accessible medium of claim 6 , wherein the computer arrangement is configured to electronically transmit the at least one message using at least one of a mobile phone or an online portal.

8. The computer-accessible medium of claim 1 , wherein the computer arrangement is further configured to electronically debit the at least one account based on the activation of the paper as the financial instrument.

9. The computer-accessible medium of claim 8 , wherein an amount debited from the at least one account is based on the denomination assigned to the paper.

10. The computer-accessible medium of claim 1 , wherein the computer arrangement is further configured to electronically:
receive further information related to the financial instrument;
authenticate the financial instrument using the further information; and
deactivate the financial instrument based on the authentication.

11. The computer-accessible medium of claim 10 , wherein the further information includes at least one further speckle pattern associated with the at least one portion of the paper.

12. The computer-accessible medium of claim 10 , wherein the further information includes at least one of the at least one speckle hash or at least one low dimensional representation of the paper; and wherein the computer arrangement is further configured to electronically compare the at least one speckle hash and the at least one low dimensional representation of the paper with at least one stored data of speckle hash values and at least one stored data of low dimensional representations based on a similarity measure of at least one of (i) local or global descriptors or (ii) a Euclidean distance.

13. The computer-accessible medium of claim 10 , wherein the computer arrangement is further configured to electronically credit the at least one account based on the deactivation of the financial instrument.

14. The computer-accessible medium of claim 13 , wherein an amount credited to the at least one account is based on the denomination assigned to the paper.

15. The computer-accessible medium of claim 13 , wherein the denomination is variable.

16. The computer-accessible medium of claim 1 , wherein the computer arrangement is further configured to:
transmit, over the electronic network, at least one of (i) a further electronic deposit of a particular further amount of money into the at least one account or (ii) an electronic withdrawal of the particular further amount of money from the at least one account; and
modify the denomination based on the at least one of the further deposit or the withdrawal.

17. The computer-accessible medium of claim 1 , wherein the computer arrangement is further configured to electronically modify the denomination assigned to the paper based on at least one transaction associated with the financial instrument.

18. The computer-accessible medium of claim 1 , wherein the computer arrangement is further configured to electronically encrypt the information using a private key of a trusted authority.

19. The computer-accessible medium of claim 18 , wherein the computer arrangement is further configured to electronically decrypt the information using a public key of the trusted authority.

20. The computer-accessible medium of claim 1 , wherein the optical hardware arrangement includes a microscope.

21. The computer-accessible medium of claim 1 , wherein the computer-accessible medium is provided in at least one of a handheld computing device or a cell-phone attached to the optical hardware arrangement.

22. The computer-accessible medium of claim 1 , wherein the computer arrangement is further configured to electronically extract the information from a user identity region of the paper.

23. The computer-accessible medium of claim 22 , wherein the computer arrangement is further configured to electronically authenticate a user identity of the at least one person based on the information by comparing the at least one speckle pattern with at least one further speckle pattern.

24. The computer-accessible medium of claim 22 , wherein the user identity region is a set of predetermined regions of at least one of a printed, an embedded, a written, a stained or a pasted user identity.

25. The computer-accessible medium of claim 22 , wherein the user identity includes one or more fingerprints.

26. The computer-accessible medium of claim 22 , wherein the user identity includes biometric data.

27. A method for activating a paper as a financial instrument, comprising:
electronically capturing at least one speckle pattern associated with at least one portion of the paper using an optical hardware arrangement;
electronically generating information based on the at least one speckle pattern wherein the information includes at least one speckle hash;
with a computer arrangement, authenticating the information to determine if the paper was issued by at least one financial institution;
transmitting, over an electronic network, the at least one speckl

Assignees

• Univ New York

Inventors

• Sharma Ashlesh
• Subramanian Lakshminarayanan
• Brewer Eric

Classifications

• G06K9/00483

  Physics · mapped topic

• G06Q20/30

  characterised by the use of specific devices {or networks} · CPC title

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• G06Q40/02 Primary

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G07D7/2033

  Matching unique patterns, i.e. patterns that are unique to each individual paper · CPC title