TOKENLESS ELECTRONIC TRANSACTION SYSTEM
First Claim
1. An identification system comprising:
- a database to store a set of registration biometric samples, the registration biometric samples provided by at least two registered individuals;
a network component to receive a biometric data from an individual over a communication link and output data associated with the individual over the communication link; and
a comparator component to compare the biometric data from the individual with at least one registration biometric sample in a subset of the registration biometric samples stored in the database to locate the data associated with the individual, the subset of the registration biometric samples including registration biometric samples from at least two individuals.
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Accused Products
Abstract
The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller'"'"'s proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer'"'"'s personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer'"'"'s person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.
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Citations
20 Claims
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1. An identification system comprising:
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a database to store a set of registration biometric samples, the registration biometric samples provided by at least two registered individuals;
a network component to receive a biometric data from an individual over a communication link and output data associated with the individual over the communication link; and
a comparator component to compare the biometric data from the individual with at least one registration biometric sample in a subset of the registration biometric samples stored in the database to locate the data associated with the individual, the subset of the registration biometric samples including registration biometric samples from at least two individuals. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. An identification system comprising:
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a local computer system including an output port to transmit biometric data from an individual onto a communication link and an input port to receive data associated with the individual from the communication link; and
an output device within the local computer system to use the data associated with the individual to perform a transaction. - View Dependent Claims (10, 11, 12, 13, 14)
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15. An identification system comprising:
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a database to store a set of registration biometric samples, the registration biometric samples provided by at least two registered individuals;
a network component to receive a biometric data from an individual over a communication link and output data associated with the individual over the communication link; and
a comparator component to compare the biometric data from the individual with a subset of the registration biometric samples stored in the database to locate the data associated with the individual, the subset of the registration biometric samples including registration biometric samples from at least two individuals. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification