BIOMETRIC FINANCIAL TRANSACTION SYSTEM AND METHOD
First Claim
1. A system for tokenless biometric authorization of an electronic transaction between a consumer and a merchant, comprising:
- an electronic identicator, comprising at least one computer further comprising at least one database wherein the consumer registers at least one registration biometric sample taken directly from the consumer'"'"'s person;
an access device capable of establishing communications between the consumer and the merchant, and between the consumer and the electronic identicator, and further comprising biometric input means, said access device not being required to contain in memory any data that is personalized to the consumer;
first communication means for enabling communications between the consumer and the merchant, including transmission of an access device identification code to the merchant;
second communication means for enabling communications between the merchant and the electronic identicator, including transmission of transaction information between the merchant and the electronic identicator;
third communication means for enabling communications between the consumer and the electronic identicator, and capable of transmission of the access device identification code and a bid biometric sample obtained by the access device from the person of the consumer to the electronic identicator;
a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; and
an execution module for authorizing a transfer of a transaction amount from a financial account of the consumer to a financial account of the payor;
wherein a financial transaction is conducted without the consumer being required to possess any man-made tokens containing information in memory that is personalized to the consumer.
9 Assignments
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Accused Products
Abstract
Tokenless biometric authorization of transaction between a consumer and a merchant uses an identicator and an access device. A consumer registers with the identicator a biometric sample taken from the consumer. The consumer and merchant establish communications via the access device. The merchant proposes a transaction to the consumer via the access device. The access device communicates to the merchant associated with the access device. After the consumer and merchant have agreed on the transaction, the consumer and the identicator use the access device to establish communications. The access device communicates to the identicator the code associated with the access device. The identicator compares biometric sample from the consumer with registered biometric sample. Upon successful identification, the identicator forwards information regarding the consumer to the merchant. These steps accomplish a biometrically authorized electronic financial transaction without the consumer having to present any personalized man-made memory tokens.
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Citations
10 Claims
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1. A system for tokenless biometric authorization of an electronic transaction between a consumer and a merchant, comprising:
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an electronic identicator, comprising at least one computer further comprising at least one database wherein the consumer registers at least one registration biometric sample taken directly from the consumer'"'"'s person; an access device capable of establishing communications between the consumer and the merchant, and between the consumer and the electronic identicator, and further comprising biometric input means, said access device not being required to contain in memory any data that is personalized to the consumer; first communication means for enabling communications between the consumer and the merchant, including transmission of an access device identification code to the merchant; second communication means for enabling communications between the merchant and the electronic identicator, including transmission of transaction information between the merchant and the electronic identicator; third communication means for enabling communications between the consumer and the electronic identicator, and capable of transmission of the access device identification code and a bid biometric sample obtained by the access device from the person of the consumer to the electronic identicator; a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; and an execution module for authorizing a transfer of a transaction amount from a financial account of the consumer to a financial account of the payor; wherein a financial transaction is conducted without the consumer being required to possess any man-made tokens containing information in memory that is personalized to the consumer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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Specification