Identity verification using biometrics
First Claim
1. A token adapted to provide access to an account, the token comprising:
- a memory configured to store an image of a biometric.
0 Assignments
0 Petitions
Accused Products
Abstract
In accordance with the present invention, authorization to gain access to an account is carried out in two phases. During the first phase, a biometric image stored on a microchip disposed on a token is compared to a biometric image supplied by the token holder at the time and site of the transaction. If there is a match between the two biometric images in the first phase, then the second phase of the verification is carried out during which data associated with and extracted from the biometric image supplied by the account holder—prior to the issuance of the token—is compared to data associated with and extracted from the biometric image stored on the microchip or supplied by the token holder at the time and site of the transaction. If there is a match between the two data during the second phase, then access to the account is granted.
44 Citations
48 Claims
-
1. A token adapted to provide access to an account, the token comprising:
a memory configured to store an image of a biometric. - View Dependent Claims (2, 3, 4, 5, 6)
-
7. A system adapted to receive a token, said token comprising an integrated circuit memory configured to store an image of a biometric, said token adapted to provide access to an account, said system comprising:
a processor configured to read the biometric image stored in the integrated circuit memory disposed in the token. - View Dependent Claims (8, 9, 10, 11)
- 12. The system of 11 wherein said processor is further configured to generate a third binary number from one of the first and second binary numbers if the first and second binary numbers match each other within the predefined tolerance limit, wherein said third binary number is generated in accordance with a second preselected algorithm.
-
26. A method of forming a token adapted to provide access to an account, the method comprising:
-
forming a memory;
storing an image of a biometric in the memory; and
disposing the memory on the token. - View Dependent Claims (27, 28, 29, 30, 31, 32)
-
-
33. A method of authorizing access to an account with a token, the method comprising:
-
receiving the token on which a memory configured to store an image of a biometric is disposed; and
reading the biometric image stored in the memory disposed on the token. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
-
Specification