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System and method for user-controlled on-line transactions

  • US 20040260657A1
  • Filed: 02/19/2004
  • Published: 12/23/2004
  • Est. Priority Date: 07/18/2000
  • Status: Abandoned Application
First Claim
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1. A method for authorizing a purchase transaction between a merchant and a purchaser over a network comprising:

  • from a user computer, sending a purchase request to a merchant computer;

    from the merchant computer, sending transaction data and an identifier indicative of an authentication methodology to the user computer and a clearinghouse computer;

    proffering a biometric identifier to the user computer, wherein the user computer determines whether the proffered biometric identifier and a stored biometric identifier match;

    in the event the proffered biometric identifier and the stored biometric identifier match, at the user computer sending an authentication dataset of purchaser identifying information associated with the authentication identifier and transaction information to the clearinghouse computer; and

    at the clearinghouse computer, applying the authentication methodology associated with the authentication identifier to the authentication dataset of purchaser identifying information received from the user computer and to an authentication dataset of purchaser identifying information stored on the clearinghouse computer to authenticate the purchaser;

    whereupon successful authentication of the purchaser, the transaction is authorized by the clearinghouse without any purchaser registration data being provided to the merchant.

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