Biometric tokenless electronic rewards system and method

• US 20060083408A1
• Filed: 10/07/2005
• Published: 04/20/2006
• Est. Priority Date: 02/09/1998
• Status: Abandoned Application

• Current Assignee: Jonathan Alexander Lee, Jr., David Ferrin Pare, Ned Hoffman, Philip Dean Lapsley
• Original Assignee: Jonathan Alexander Lee, Jr., David Ferrin Pare, Ned Hoffman, Philip Dean Lapsley
• Inventors: Hoffman, Ned, Lee, Jonathan Alexander, Pare, David Ferrin Jr., Lapsley, Philip Dean
• Application Number:
  US11/245,662
• Publication Number:
  US 20060083408A1
• Time in Patent Office: Days
• US Class Current: 382/115
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: G06Q 30/0234 Rebates after completed purchase
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user
• CPC Class Codes: G07C 9/33 by means of a password
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition

Abstract

Disclosed is a system and method for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data. The process uses apparatus for creating an electronic registry of a reward provider'"'"'s products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria; recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data; recipient identification, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and recipient rewards issuance, wherein the rewards provider issues rewards to the recipient. This method and system can process an electronic consumer rewards transaction without the recipient using any unique identification tokens.

Claims

1. A method for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data, comprising;

a. creating an electronic registry of a reward provider'"'"'s products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria, thus forming a rewards registry;

b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;

c. a tokenless recipient identification step, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and

d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient,

wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

3. The method of claim 1 wherein the rewards registry comprises any of the following:

a registry of immediate cash discounts or rebates provided to recipient during a commercial transaction;

a registry of the accrual of points which are credited towards the future purchase of a product or service, rental of an automobile, frequent flyer miles, or free air time for phone calls;

a registry that is tied to certain product purchases, certain purchasing patterns reflecting frequency or loyalty, or certain purchase dollar amounts.

6. The method of claim 3 wherein accrued rewards resultant from recipient'"'"'s purchases are stored in the recipient'"'"'s or user'"'"'s rewards account, along with the recipient'"'"'s corresponding demographic data and purchasing patterns.

7. The method of claim 1 further comprising a data storage step, wherein the recipient'"'"'s purchases, purchasing patterns, and/or demographic data are stored for subsequent analysis.

12. The method of claim 1 further comprising the recipient'"'"'s use of a PIN as a secondary security means in addition to his biometric.

19. The method of claim 1 wherein the biometric comprises any of the following:

a fingerprint, retina of the eye, iris of the eye, voice print, facial vascular patterns.

72. The method of claim 1, wherein the recipient rewards issuance step includes a tokenless recipient rewards issuance step, wherein the rewards provider tokenlessly issues electronic rewards to the successfully identified recipient.

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24. A system for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data, comprising;

a. means for creating an electronic registry of a reward provider'"'"'s products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria;

b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;

c. means for tokenless recipient identification, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and

d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient,

wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

26. The system of claim 24 wherein the means for rewards registry comprises any of the following:

a registry of immediate cash discounts or rebates provided to recipient during a commercial transaction;

a registry of the accrual of points which are credited towards the future purchase of a product or service, rental of an automobile, frequent flyer miles, or free air time for phone calls;

a registry that is tied to certain product purchases, certain purchasing patterns reflecting frequency or loyalty, or certain purchase dollar amounts.

29. The system of claim 26 further comprising means for storage wherein accrued rewards resultant from recipient'"'"'s purchases are stored in the recipient'"'"'s or user'"'"'s rewards account, along with the recipient'"'"'s corresponding demographic data and purchasing patterns.

30. The system of claim 24 further comprising means for storage wherein the recipient'"'"'s purchases, purchasing patterns, and/or demographic data are stored for subsequent analysis.

35. The system of claim 24 further comprising the recipient'"'"'s use of a PIN as a secondary security means in addition to his biometric.

42. The system of claim 24 wherein the biometric comprises any of the following:

a fingerprint, retina of the eye, iris of the eye, voice print, facial vascular patterns.

73. The system of claim 24, wherein the means for recipient rewards issuance includes means for tokenless recipient rewards issuance, wherein the rewards provider tokenlessly issues electronic rewards to the successfully identified recipient.

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48. A device for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data, comprising;

a. an electronic registry device for storing a reward provider'"'"'s products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria;

b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;

c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and

d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient,

wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

50. The device of claim 48 further comprising a rewards registry device comprising any of the following:

a registry of immediate cash discounts or rebates provided to recipient during a commercial transaction;

a registry of the accrual of points which are credited towards the future purchase of a product or service, rental of an automobile, frequent flyer miles, or free air time for phone calls;

a registry that is tied to certain product purchases, certain purchasing patterns reflecting frequency or loyalty, or certain purchase dollar amounts.

53. The device of claim 50 further comprising a storage device for storing the accrued rewards resultant from recipient'"'"'s purchases in the recipient'"'"'s or user'"'"'s rewards account, along with the recipient'"'"'s corresponding demographic data and purchasing patterns.

54. The device of claim 48 further comprising a storage device for storing the recipient'"'"'s purchases, purchasing patterns, and/or demographic data for subsequent analysis.

59. The device of claim 48 wherein the recipient uses a PIN as a secondary security means in addition to his biometric.

66. The device of claim 48 wherein the biometric comprises any of the following:

a fingerprint, retina of the eye, iris of the eye, voice print, facial vascular patterns.

74. The device of claim 48, wherein the recipient rewards issuance device includes a recipient rewards tokenless issuance device for the rewards provider tokenlessly issuing electronic rewards to the successfully identified recipient.

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