METHODS AND APPARATUS FOR CONDUCTING ELECTRONIC TRANSACTIONS USING BIOMETRICS
First Claim
1. A method for conducting a transaction in a transaction system, the method comprising:
- receiving a transaction request from a user, said user proffering a transaction instrument to facilitate said transaction request;
issuing a challenge to said user;
receiving a response from said user based upon said challenge;
receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said transaction system to initiate verification of said biometric sample; and
, processing said response to verify said transaction instrument and said biometric sample to verify said user and to provide access to a transaction service.
3 Assignments
0 Petitions
Accused Products
Abstract
A system and method for facilitating electronic transactions using a biometric are disclosed. The system for facilitating electronic transactions using a biometric comprises a smartcard-reader transaction system. The method comprises determining if a transaction violates an established rule, such as a preset spending limit. The method also comprises notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
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Citations
31 Claims
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1. A method for conducting a transaction in a transaction system, the method comprising:
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receiving a transaction request from a user, said user proffering a transaction instrument to facilitate said transaction request;
issuing a challenge to said user;
receiving a response from said user based upon said challenge;
receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said transaction system to initiate verification of said biometric sample; and
,processing said response to verify said transaction instrument and said biometric sample to verify said user and to provide access to a transaction service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for conducting a transaction in a transaction system, the method comprising:
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detecting a proffered biometric at a sensor communicating with said transaction system to obtain a proffered biometric sample;
detecting a proffered transaction instrument at a reader communicating with said transaction system;
receiving transaction information from a user to facilitate issuing a challenge to said user to verify a user transaction;
initiating verification of said proffered biometric sample and said transaction instrument; and
providing authorization of said transaction upon verification of said proffered biometric sample and transaction instrument. - View Dependent Claims (12, 13, 14, 15, 16)
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17. An electronic transaction system comprising:
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a reader configured to communicate with a smartcard;
a biometric sensor configured to detect a biometric sample;
a first device configured to receive a transaction request from a user, issue a challenge to said user, receive a response from said user based upon said challenge, process said response to verify said user, assemble credentials for a transaction at a server to create assembled credentials, and provide at least a portion of said assembled credentials to said user; and
a second device configured to verify said biometric sample and said portion of said assembled credentials to facilitate said transaction. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A computer-readable storage medium containing a set of instructions for a general purpose computer configured for:
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receiving a transaction request from a user, said user proffering a transaction instrument;
issuing a challenge to said user;
receiving a response from said user based upon said challenge;
receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said system to initiate verification of said biometric sample; and
,processing said response to verify said transaction instrument and processing said biometric sample to verify said user.
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Specification