System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

• US 20050144133A1
• Filed: 01/31/2005
• Published: 06/30/2005
• Est. Priority Date: 11/28/1994
• Status: Active Grant

• Current Assignee: YT Acquisition Corp.
• Original Assignee: YT Acquisition Corp.
• Inventors: Hoffman, Ned, Lapsley, Philip Dean
• Granted Patent: US 7,620,605 B2
• Time in Patent Office: Days
• US Class Current: 705/50
• CPC Class Codes: C07K 14/53 Colony-stimulating factor [CSF]
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/33 using certificates
• CPC Class Codes: G06F 21/83 input devices, e.g. keyboards, mice or controllers thereof
• CPC Class Codes: G06F 2211/008 Public Key, Asymmetric Key, Asymmetric Encryption
• CPC Class Codes: G06F 2221/2117 User registration
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: H04L 63/0428 wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/0861 : using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 67/306 : User profiles
• CPC Class Codes: H04L 69/329 : in the application layer [OSI layer 7]

Abstract

Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

Claims

1-25. -25. (canceled)

26. A method for providing approval for a third party to access a value account controlled by a primary account holder, the process comprising:

receiving a biological sample proffered by the third party via a biological identification device;

comparing the proffered biological sample to biological identification data stored in a database;

making a determination of whether the third party has been authorized by the primary account holder to access the value account; and

in the event that the third party is determined to be authorized to access the account, transmitting an approval signal indicating that the third party may have access to the value account.

27. The method for providing approval as claimed in claim 26, the method further comprising:

receiving an identification code proffered by the third party,

wherein making the determination is performed based on both the identification code and comparing the proffered biological sample.

28. The method for providing approval as claimed in claim 27, wherein the identification code corresponds to a credit card number.

29. The method for providing approval as claimed in claim 27, wherein the identification code is absolutely unique.

30. The method for providing approval as claimed in claim 27, wherein the identification code is reasonably unique.

31. The method for providing approval as claimed in claim 26, further comprising:

in the event that the approval signal is transmitted, transmitting a notification signal to the primary account holder indicating that the third party has accessed the value account.

32. The method for providing approval as claimed in claim 31, wherein the notification signal is transmitted to a wireless device.

33. The method for providing approval as claimed in claim 31, wherein the notification signal is transmitted as an email message.

34. A method for providing approval for a third party to access a value account controlled by a primary account holder, the process comprising:

receiving a biological sample proffered by the third party via a biological identification device;

comparing the proffered biological sample to biological identification data stored in a database;

making a first determination, based on comparing the proffered biological sample, of whether the third party is registered in the database;

in the event that the third party is determined to be registered in the database, making a second determination of whether the third party has been authorized by the primary account holder to access the value account; and

in the event that the third party is determined to be authorized to access the value account, transmitting an approval signal indicating that the third party may have access to the account.

35. The method for providing approval as claimed in claim 34, the method further comprising:

receiving an identification code proffered by the third party,

wherein making the first determination is performed based on both the identification code and comparing the proffered biological sample.

36. The method for providing approval as claimed in claim 35, wherein the identification code corresponds to a credit card number.

37. A method for providing approval for a third party to access a value account controlled by a primary account holder, the process comprising:

receiving a biological sample proffered by the third party via a biological identification device;

receiving transaction data corresponding to a transaction on the value account, initiated by the third party;

comparing the proffered biological sample to biological identification data stored in a database;

making a first determination, based on comparing the proffered biological sample, of whether the third party is registered in the database;

in the event that the third party is determined to be registered in the database, making a second determination of whether the third party has been authorized by the primary account holder to access the account; and

in the event that the third party is determined to be authorized to access the account, making a third determination of whether the transaction data goes beyond a predetermined transaction parameter limit; and

in the event that the third party is determined to be authorized to access the account, and it is determined that the transaction data does not go beyond the predetermined transaction parameter limit, transmitting an approval signal indicating that the third party may have access to the account.

38. The method for providing approval claimed in claim 37, wherein the predetermined transaction parameter limit has been set by the primary account holder.

39. The method for providing approval claimed in claim 37, wherein the transaction data comprises whether the transaction is a cash advance.

40. The method for providing approval claimed in claim 37, wherein the transaction data corresponds to whether the transaction is a purchase of merchandise.

41. The method for providing approval claimed in claim 37, wherein the transaction data comprises the type of merchant conducting the transaction.

42. The method for providing approval claimed in claim 37, wherein the transaction data comprises the type of merchandise being purchased in the transaction.

43. A system for biological authorization of financial transactions, the system comprising:

a terminal including a biological identification device;

a central database server connected by a first network path to the terminal to receive a payment request accompanied by a biological ID signature generated by the biological identification device and a personal ID number presented by a purchaser; and

a financial institution server connected by a second network path to the central database server to receive the payment request accompanied by an authorization packet;

wherein, in the event that the financial institution server receives the payment request accompanied by the authorization packet, and the value account corresponding to the payment request has sufficient available value, then a transaction authorization is transmitted to the terminal.

44. The system for biological authorization of financial transactions as claimed in claim 43, wherein the authorization packet is generated at the central database server based at least on a comparison of the biological ID signature generated by the biological identification device with previously obtained biological ID information corresponding to the purchaser.

45. The system for biological authorization of financial transactions as claimed in claim 44, wherein the previously obtained biological ID information is stored at the central database server.