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System for secure payment and authentication

  • US 20070214093A1
  • Filed: 03/08/2007
  • Published: 09/13/2007
  • Est. Priority Date: 03/09/2006
  • Status: Active Grant
First Claim
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1. A card scanner for biometric-secure transactions and authentication to eliminate fraudulent transactions and access, comprising:

  • a credit card size carrier;

    a fingerprint scanner mounted on one side of said carrier;

    memory for storing a user id, card number and minutia data from an activation scan;

    a processor for comparing transaction fingerprint scans to the minutia data from said activation scan and indicating authentication upon a substantial match;

    an infrared port for communicating authentication and data to a reader;

    a power contact;

    at least one magnetic strip encoded with financial account information and routing numbers activated by fingerprint scanner;

    whereby said user fingerprint scanner cards, become a personal key for authenticating and verification of all transactions said users simply plugging their fingerprint scanner cards into any supporting reader terminal, and scanning their own fingerprint for each transaction, the financial account information and routing numbers and authentication being transmitted to said reader via said infrared port and or said one magnetic strip, the financial account information and routing number for any transaction being read by said reader, and the transaction details and financial account information being transmitted by said reader to the appropriate supporting institution for payment.

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