Electronic transaction verification system with biometric authentication
First Claim
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1. A transaction system for processing transactions comprising:
- an electronic verification system at a transaction location of an individual or a merchant'"'"'s network; and
a central processing system comprising;
one or more information stores of users authorized to use the transaction system;
one or more information stores of token information received from issuing entities authorized to utilize the transaction system; and
a processing system configured to communicate with the one or more information stores of the electronic verification system;
the central processing system configured to utilize a merchant'"'"'s network to transmit information to and from the electronic verification system to a transaction facilitating entity;
the central processing system configured to send and receive token information received from an issuing entity, the token information representative of a transaction instrument issued to the individual by an issuing entity;
the central processing system configured to access the one or more information stores of users;
the central processing system configured to send and receive information from the electronic verification system;
wherein the central processing system and the electronic verification system are self-contained at the transaction location; and
the electronic verification system comprises a biometric data reader configured to obtain biometric data from an individual, wherein the electronic verification system is configured to;
receive the obtained biometric data;
generate a first comparison result by comparing the obtained biometric data with biometric data associated with a biometric information stored in the one or more information stores of users; and
transmit to the central processing system information representing the first comparison result;
wherein the central processing system is configured to;
transmit the first comparison result information and the token information representative of the transaction instrument being processed to the transaction facilitating entity,receive a second comparison result from the transaction facilitating entity to accept or deny the transaction; and
transmit a decision by a display.
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Abstract
An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.
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Citations
15 Claims
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1. A transaction system for processing transactions comprising:
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an electronic verification system at a transaction location of an individual or a merchant'"'"'s network; and a central processing system comprising; one or more information stores of users authorized to use the transaction system; one or more information stores of token information received from issuing entities authorized to utilize the transaction system; and a processing system configured to communicate with the one or more information stores of the electronic verification system; the central processing system configured to utilize a merchant'"'"'s network to transmit information to and from the electronic verification system to a transaction facilitating entity; the central processing system configured to send and receive token information received from an issuing entity, the token information representative of a transaction instrument issued to the individual by an issuing entity; the central processing system configured to access the one or more information stores of users; the central processing system configured to send and receive information from the electronic verification system; wherein the central processing system and the electronic verification system are self-contained at the transaction location; and
the electronic verification system comprises a biometric data reader configured to obtain biometric data from an individual, wherein the electronic verification system is configured to;receive the obtained biometric data; generate a first comparison result by comparing the obtained biometric data with biometric data associated with a biometric information stored in the one or more information stores of users; and transmit to the central processing system information representing the first comparison result; wherein the central processing system is configured to; transmit the first comparison result information and the token information representative of the transaction instrument being processed to the transaction facilitating entity, receive a second comparison result from the transaction facilitating entity to accept or deny the transaction; and transmit a decision by a display. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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Specification