TOKENLESS BIOMETRIC ELECTRONIC FINANCIAL TRANSACTIONS VIA A THIRD PARTY IDENTICATOR

• US 20090228362A1
• Filed: 05/15/2009
• Published: 09/10/2009
• Est. Priority Date: 11/28/1994
• Status: Abandoned Application

• Current Assignee: Open Invention Network LLC
• Original Assignee: YT Acquisition Corp.
• Inventors: Pare, David Ferrin JR., Hoffman, Ned, Lapsley, Philip D., Lee, Jonathan Alexander
• Application Number:
  US12/467,181
• Publication Number:
  US 20090228362A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G01F 19/005 for semi-liquid, e.g. fat
• CPC Class Codes: G06F 18/28 Determining representative reference patterns, e.g. by averaging or distorting; Generating dictionaries
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/554 involving event detection and direct action
• CPC Class Codes: G06F 21/83 input devices, e.g. keyboards, mice or controllers thereof
• CPC Class Codes: G06F 21/86 Secure or tamper-resistant housings
• CPC Class Codes: G06F 2211/008 Public Key, Asymmetric Key, Asymmetric Encryption
• CPC Class Codes: G06F 2221/2117 User registration
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/0855 involving a third party
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/40145 : Biometric identity checks
• CPC Class Codes: G06Q 20/4097 : using mutual authentication between devices and transaction partners
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 10/772 : Determining representative reference patterns, e.g. averaging or distorting patterns; Generating dictionaries
• CPC Class Codes: G06V 40/1365 : Matching; Classification
• CPC Class Codes: G07C 9/32 : in combination with an identity check
• CPC Class Codes: G07C 9/37 : using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 19/201 : Accessories of ATMs
• CPC Class Codes: G07F 19/207 : Surveillance aspects at ATMs
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 9/002 : Vending machines being part of a centrally controlled network of vending machines
• CPC Class Codes: H04L 2463/102 : applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/04 : for providing a confidential data exchange among entities communicating through data packet networks
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0442 : wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption cryptographic mechanisms or cryptographic arrangements for public-key encryption H04L9/30
• CPC Class Codes: H04L 63/083 : using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• CPC Class Codes: H04L 63/0861 : using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/123 : received data contents, e.g. message integrity

Abstract

A method and device enables tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and a payor bid biometric sample. The payor registers with a registration biometric sample, and a payor financial account identifier. The payee registers a payee identification data with the electronic identicator. A payee bid identification data and a payor bid biometric sample are electronically forwarded to the identicator. The bid biometric sample is compared with registered biometric samples and the payee'"'"'s bid identification data is compared with a payee'"'"'s registered identification data for a successful or failed identifications of the payor and payee. If successful, an electronic financial transaction is then formed comprising a transaction amount and a payor financial account identifier. Loyalty or reward information stored in the database at the DPC is automatically transmitted back to the PIA along with any financial account information.

Claims

1. A method for tokenless authorization of a loyalty or reward transaction, the method comprising:

gathering via a party identification apparatus a biometric sample from a payor;

transmitting the gathered payor biometric sample via a communication line to a data processing center;

identifying the payor via the data processing center, wherein the identifying comprises the data processing center comparing the gathered biometric sample with a registered biometric sample for producing either a successful or failed identification of the payor; and

wherein upon successful identification of the payor;

forwarding from the data processing center to the party identification apparatus one or more of payor loyalty information and payor reward information; and

applying the forwarded payor loyalty information or payor reward information to a transaction.

2. The method of claim 1, further comprising upon successful identification of the payor, forwarding payor financial account information from the data processing center to the party identification apparatus.

3. The method of claim 2, further comprising forwarding payor financial account information to a financial transaction processor.

4. The method of claim 1, further comprising registering one or more of a payor biometric sample, payor loyalty information, payor reward information, payor financial account information, and a payor personal identification number.

5. The method of claim 1, wherein applying the forwarded payor loyalty information or payor reward information to a transaction comprises forwarding the payor loyalty information or payor reward information from the party identification apparatus to a point of sale system.

6. The method of claim 1, further comprising transmitting payee identification data to said data processing center.

7. The method of claim 6, further comprising identifying a payee via the data processing center, wherein identifying comprises the data processing center comparing the transmitted payee identification data with registered payee identification data for producing either a successful or failed identification of the payee.

8. A method for tokenless authorization of an electronic payment, the method comprising:

gathering via a party identification apparatus a biometric sample from a payor;

transmitting the gathered payor biometric sample via a communication line to a data processing center;

identifying the payor via the data processing center, wherein identifying comprises the data processing center comparing the gathered biometric sample with a registered biometric sample for producing either a successful or failed identification of the payor; and

wherein upon successful identification of the payor;

forwarding payor financial account information and one or more of payor loyalty information and payor reward information from the data processing center to the party identification apparatus;

applying the forwarded payor loyalty information or payor reward information to a transaction; and

forwarding transaction information to a financial transaction processor, wherein the transaction information includes the payor financial account information and a transaction amount.

9. The method of claim 8, wherein forwarding payor financial account information from the data processing center to the party identification apparatus comprises forwarding information pertaining to one or more payor financial accounts.

10. The method of claim 9, further comprising displaying via the party identification apparatus information pertaining to one or more payor financial accounts and receiving a selection of a payor financial account.

11. The method of claim 8, wherein the payor financial account information forwarded to the financial transaction processor includes a selected payor financial account.

12. The method of claim 8, further comprising registering one or more of a payor biometric sample, payor financial account information, payor loyalty information, payor reward information, and a payor personal identification number.

13. The method of claim 8, wherein applying the forwarded payor loyalty information or payor reward information to a transaction comprises forwarding the payor loyalty information or payor reward information from the party identification apparatus to a point of sale system.

14. The method of claim 8, further comprising transmitting payee identification data to said data processing center.

15. The method of claim 14, further comprising identifying a payee via the data processing center, wherein identifying comprises the data processing center comparing the transmitted payee identification data with registered payee identification data for producing either a successful or failed identification of the payee.

16. A tokenless authorization system for a loyalty or reward transaction, the system comprising:

a computer data processing center comprising a database storing a registration biometric sample associated with at least one or more of a loyalty information and reward information;

a party identification apparatus having a biometric sensor for input of a biometric sample;

a communication line for transmission of a registration biometric sample and bid biometric sample obtained by the party identification apparatus to the data processing center;

a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; and

a means coupled to the party identification apparatus for receiving a message containing one or more of payor loyalty information and payor reward information and forwarding one or more of payor loyalty information and payor reward information to a point of sale system, the tokenless authorization system being arranged so that the message containing one or more of payor loyalty information and payor reward information is sent from the data processing center to the party identification apparatus upon a successful comparison of a bid biometric sample and a registration biometric sample.

17. The system of claim 16, wherein the payor registration biometric sample stored in the database is further associated with payor financial account information.

18. The system of claim 16, wherein the tokenless authorization system is further arranged so that the message containing one or more of payor loyalty information and payor reward information further comprises payor financial account information.

19. The system of claim 18, wherein payor financial account information includes information pertaining to one or more payor financial accounts.

20. The system of claim 18, further comprising a means coupled to the party identification apparatus for transmitting payor financial account information and a transaction amount from the party identification apparatus to a financial transaction processor to authorize a payment from a payor financial account indicated by the payor financial account information.