Tokenless identification system for authorization of electronic transactions and electronic transmissions

• US 5,613,012 A
• Filed: 05/17/1995
• Issued: 03/18/1997
• Est. Priority Date: 11/28/1994
• Status: Expired due to Term

• Current Assignee: YT Acquisition Corp.
• Original Assignee: Smarttouch Incorporated
• Inventors: Lee, Jonathan A., Pare, Jr., David F., Hoffman, Ned
• Primary Examiner(s): Boudreau, Leo
• Assistant Examiner(s): Tadayon, Bijan
• Application Number:
  US08/442,895
• Time in Patent Office: 671 Days
• Field of Search: 340/825.34, 340/825.33, 340/825.31, 382/115, 382/116, 382/117, 382/118, 382/119, 382/124, 382/128, 902/1, 902/2, 902/3, 902/4, 902/5, 902/6, 902/8, 902/9, 902/10, 902/12, 902/13, 902/22, 902/23, 902/24, 902/25, 902/26, 902/27, 902/31, 902/32, 902/33, 902/34, 902/35, 902/37, 235/375, 235/376, 235/379, 235/380, 235/381, 235/382, 235/382.5, 235/383, 235/384, 235/385, 235/386
• US Class Current: 382/115
• 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 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 20/4014 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: 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 2209/14 : With a sequence of inputs of different identification information
• 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 7/10 : together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• 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 63/02 : for separating internal from external traffic, e.g. firewalls
• 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 63/0861 : using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

A tokenless identification system and method for authorization of transactions and transmissions. The tokenless system and method are principally based on a correlative comparison of a unique biometrics sample, such as a finger print or voice recording, gathered directly from the person of an unknown user, with an authenticated biometrics sample of the same type obtained and stored previously. It can be networked to act as a full or partial intermediary between other independent computer systems, or may be the sole computer systems carrying out all necessary executions. It further contemplates the use of a private code that is returned to the user after the identification has been complete, authenticating and indicating to the user that the computer system was accessed. The identification system and method of additionally include emergency notification to permit an authorized user to alert authorities an access attempt is coerced.

Claims

1. A voluntary tokenless identification computer system for determining an individual'"'"'s identity from an examination of at least one biometric sample and a personal identification code gathered during a bid step, and comparison with previously recorded biometric sample and personal identification code gathered during a registration step, wherein the system is authenticated to the individual, said system comprising:

a. at least one computer;

b. first gathering and display means for voluntary input of at least one biometric sample, personal identification code, and a private code from an individual during the registration step, wherein the private code is not used for gaining access to the system;

c. second gathering and display means for voluntary input of at least one biometric sample and personal identification code, from an individual during a bid step;

d. first interconnecting means for interconnecting said first and second gathering and display means to said computer for transmitting the gathered biometric sample, personal identification code, or private code from said first and second gathering means to said computer;

e. means for comparison of biometric sample and personal identification code gathered during the bid step with the biometric samples and personal identification codes gathered during the registration step, for producing an evaluation;

f. execution means within said computer for storage of data and processing and execution of commands for producing a determination;

g. means for output of said evaluation, determination, or private code from said computer; and

h. system authentication means wherein the private code gathered during the registration step, is displayed to the authorized user of the system during the output step to authenticate that the computer system was accessed.

2. The apparatus of claim 1 wherein the computer comprises means for detecting and preventing electronic intrusion of the computer system.

3. The apparatus of claim 1 wherein the computer is placed remote from the first and second gathering and display means.

4. The apparatus of claim 1, the first and second gathering and display means further comprising:

a. at least one biometric input means for gathering biometric samples further comprising a hardware and software component;

b. at least one terminal means that is functionally partially or fully integrated with the biometric input means for input of and appending additional data;

c. at least one data entry means for input of a personal identification code wherein the data entry means is integrated either with the biometric input means or the terminal means; and

d. second interconnecting means for interconnecting said biometric input means, data entry means and said terminal.

5. The apparatus of claim 4 wherein said terminal further comprises at least one display means for display of data.

6. The apparatus of claim 4 wherein the biometric input means has a hardware identification code previously registered with the computer, which makes the biometric input means uniquely identifiable to the computer.

7. The apparatus of claim 4 wherein the hardware component further comprises:

a. at least one computing module for data processing;

b. erasable and non-erasable memory modules for storage of data and software;

c. biometric scanner device for input of biometrics data;

d. data entry means for entering data;

e. digital communication port; and

f. means for prevention of electronic eavesdropping.

8. The apparatus of claim 7 wherein when there are more than one computing modules, the computing modules are connected in a manner to prevent monitoring of communications between said computing modules.

9. The apparatus of claim 4 wherein the hardware component further comprises display means for display of data.

10. The apparatus of claim 4 wherein the hardware component further comprises RF shielding.

11. The apparatus of claim 4 wherein the hardware component further comprises a wireless communications means.

12. The apparatus of claim 4 wherein the biometric input means is secured from physical tampering.

13. The apparatus of claim 4 further comprising means for detection of physical penetration of the biometric input means.

14. The apparatus of claim 7 further comprising means for electronic self destruction whereby software and data stored within the erasable memory modules are erased.

15. The apparatus of claim 7 further comprising means for physical self destruction whereby the computing modules and the erasable and non erasable memory modules are destroyed.

16. The apparatus of claim 4 wherein the hardware component further comprises means for reading magnetic strip cards.

17. The apparatus of claim 4 wherein the hardware component further comprises means for reading a smart card.

18. The apparatus of claim 4 wherein the software component resides in a computing module and further comprises;

a. electronically erasable memory module wherein at least one command interface module, a first set of software and associated data specifically configured for the intended use of the biometric input device and data are stored; and

b. non-erasable memory module wherein a second set of software and associated data are stored.

19. The apparatus of claim 4 said software component further comprising means for encryption of data from plaintext to ciphertext.

20. The apparatus of claim 4 said software component further comprising means to detect alteration of data further comprising;

a. a secret key; and

b. an irreversible one way transformation of the data that cannot be reproduced without the secret key.

21. The device of claim 4 wherein the first set of software and associated data further comprise:

a. biometric encoding algorithm; and

b. encryption code.

22. The device of claim 4 wherein the second set of software and associated data further comprise:

a. an operating system; and

b. a device driver.

23. The apparatus of claim 4 wherein said terminal is any electronic device and which issues commands to and receives results from the biometric input means.

24. The apparatus of claim 4 wherein said terminal is selected from the group of facsimile machines, telephones, television remote control, personal computers, credit/debit card processors, cash registers, automated teller machines, wireless personal computers.

25. The apparatus of claim 4 wherein said second interconnecting means is means for wireless communications.

26. The apparatus of claim 1 wherein said first interconnecting means is selected from the group X.25, ATM network, Telephone network, Internet network, cable television network, cellular telephone network.

27. The apparatus of claim 1 wherein the comparison means further comprises means for encryption and decryption of data.

28. The apparatus of claim 1 wherein comparison means further comprises means for identifying the biometric input device.

29. The apparatus of claim 1 wherein the computer system further comprises:

a. at least one independent computer network system; and

b. third interconnecting means for interconnecting said computer system with said at least one independent computer network system.

30. The apparatus of claim 29 wherein the third interconnecting means comprises an X.25 network.

31. The apparatus of claim 1 wherein the execution means comprises at least one database for storage and retrieval of data.

32. The apparatus of claim 31 wherein the data base further comprises an individual biometric data base.

33. The apparatus of claim 31 wherein the data base further comprises a prior fraud check data base.

34. The apparatus of claim 31 wherein the data base further comprises an electronic document data base.

35. The apparatus of claim 31 wherein the data base further comprises an electronic signature data base.

36. The apparatus of claim 1 wherein said output means is selected from the group of an X.25 network, ATM network, Telephone network, Internet network, cable television network.

37. The apparatus of claim 1 wherein said private code is generated by the computer.

38. A method for voluntary and tokenless identification of individuals using a computer system, wherein the computer system is authenticated to the individual, said method comprising the steps of:

a. registration step, wherein at least one biometric sample is gathered, and a personal identification code and private code are selected and stored, wherein the private code is not used for gaining access to the computer system;

b. a bid step wherein at least one biometric sample and personal identification code for an individual is gathered;

c. a comparison step wherein the biometric sample and personal identification code gathered during the bid step is compared with biometric samples and personal identification codes gathered and stored during the registration step, for producing either a successful or failed identification result;

d. an execution step wherein a command is processed and executed to produce a determination;

e. an output seep wherein said identification result or determination is externalized and displayed; and

f. a presentation step wherein on successful identification of the individual, the private code is presented to the individual being identified, for authenticating the system to the individual.

39. The method of claim 38 wherein both the registration and bid steps further comprise a biometric sample check step wherein the quality of the biometric sample is verified.

40. The method of claim 38 wherein the registration step further comprises a personal identification code and biometric sample duplication check step wherein the biometrics and personal identification code gathered during the registration step is checked against all previously registered biometrics currently associated with the identical personal identification code.

41. The method of claim 38 wherein the registration step further comprises an ancillary data input step wherein ancillary data is collected.

42. The method of claim 41 wherein the ancillary data further comprises name and address of the individual.

43. The method of claim 41 wherein the ancillary data further comprises a title of an individual.

44. The method of claim 43 wherein the ancillary data input step further comprises a title index assignment step wherein each title of the individual is assigned a code.

45. The method of claim 41 wherein the ancillary data further comprises a financial asset account number.

46. The method of claim 45 wherein the ancillary data input step further comprises an account index assignment step wherein each financial asset account number is assigned an index code.

47. The method of claim 38 wherein the registration step further comprises a prior fraud check step wherein the biometric sample gathered during registration is compared to a subset of previously registered biometric samples.

48. The method of claim 38 wherein the registration step further comprises an emergency mechanism setup step.

49. The method of claim 48 further comprising an emergency account index assignment step wherein an account index is labeled as an emergency account where in the event the account is accessed appropriate authorities are notified of the emergency.

50. The method of claim 49 further comprising a false screen display setup step wherein there is assignment of false screen data.

51. The method of claim 49 wherein access to various financial asset accounts is limited.

52. The method of claim 38 wherein the registration step further comprises a modification step wherein any previously entered ancillary data can be modified or deleted.

53. The method of claim 38 wherein both the registration and bid steps further comprise a data sealing step to provide the ability to detect alteration of the data further comprising:

a. a secret key; and

b. an irreversible one way transformation of the data that cannot be reproduced without the secret key.

54. The method of claim 38, wherein the registration and bid steps further comprise an encryption step to convert the data from plaintext to ciphertext.

55. The method of claim 38 wherein the bid or registration steps further comprise a transmission step wherein the data is transmitted.

56. The method of claim 38 wherein the bid or registration steps is further provided with a unique transmission code having a unique hardware identification code and incrementing sequence number which increases by one for each transmission.

57. The method of claim 38 wherein the registration step further comprises choosing a language for communication in a set language step.

58. The method of claim 38 wherein the bid step further comprises choosing a title in a set title number step.

59. The method of claim 38 wherein the bid step further comprises choosing an account number in a set account number step.

60. The method of claim 38 wherein the bid step further comprises validating an amount in a validate amount step.

61. The method of claim 38 wherein the bid step further comprises entering an amount in an enter amount step.

62. The method of claim 38 wherein the bid step further comprises validating a document in a validate document step.

63. The method of claim 38 wherein the bid step further comprises appending ancillary data in an assign register step.

64. The method of claim 63 the ancillary data further comprising a counter party identification code.

65. The method of claim 38 wherein the bid or registration step further comprise aborting or cancelling said registration or bid step in a reset step.

66. The method of claim 38 wherein the bid step further comprises transmission of data in a transmission step.

67. The method of claim 38 wherein the bid step further comprises choosing a language for communication in a set language step.

68. The method of claim 38 wherein the comparison step further comprises use of the unique transmission codes to detect repeat transmissions.

69. The method of claim 38 wherein the comparison step further comprises a counter party identification step using the counter party identification and unique transmission codes.

70. The method of claim 38 wherein the comparison step comprises matching the individual'"'"'s personal identification code and biometric gathered during the bid step, with the personal identification code and biometric gathered during the registration step for positive identification of the individual.

71. The method of claim 70 wherein if there is no match of the personal identification code and biometric gathered during the registration step and the personal identification code and biometric gathered during the bid step, there is no recognition of the individual.

72. The method of claim 38 wherein the execution step further comprises a debit/credit transaction step.

73. The method of claim 72 wherein the debit/credit transaction step further comprises an address collection step.

74. The method of claim 38 wherein the execution step further comprises an archiving step and a tracking code assignment step, where a tracking code is assigned to the data, for archival of data.

75. The method of claim 74 wherein the data is sent through a message digest encoding algorithm step to produce an electronically signatured document.

76. The method of claim 74 wherein the execution step further comprises the retrieval of archived data using said tracking code.

77. The method of claim 38 wherein the execution step further comprises a modification step wherein title index codes, account numbers and account index codes are added, deleted or modified.

78. The method of claim 77 wherein the execution step further comprises an account number retrieval step where the account index code is used to retrieve an account number.

79. The method of claim 38 wherein the execution step further comprises an emergency activation step.

80. The method of claim 79 wherein the emergency activation step further comprises recognition of the emergency code and identifying the entire transaction as an emergency and notification of authorities.

81. The method of claim 79 wherein the execution step further comprises a false display step wherein previously designated, false accounts or false limitations on accounts are accessible.

82. The method of claim 38 wherein the output step further comprises an identification result notification step.

83. The method of claim 38 wherein the output step further comprises a determination notification step.

84. The method of claim 38 wherein the output step further comprises an emergency code step wherein authorities are notified.

85. The method of claim 38 wherein the output step further comprises display of false screens.

86. The method of claim 38 wherein the presentation step further comprises encryption, externalization, and decryption of the private code.

87. A method for rapid search of previously stored biometric samples from individuals using at least two biometric baskets, each biometric basket being capable of containing any number of algorithmically distinct biometric samples, each biometric basket containing less than the total number of samples registered with the system, and each biometric basket being identified by a unique biometric basket code, the method comprising:

a. a storage step further comprising;

i. gathering a biometric sample from an individual;

ii. selection of a biometric basket code;

iii. locating the biometric basket identified by the biometric basket code;

iv. comparison of the biometric sample gathered from said individual, with any previously stored biometric samples in the biometric basket, to make sure that the biometric sample gathered from the individual is algorithmically distinct from all biometric samples currently stored in said biometric basket;

whereupon if the biometric sample is not distinct from previously stored biometric samples, a different biometric basket is selected and comparison is attempted again until an acceptable biometric basket is selected; and

v. storage of the entered biometric sample gathered from said individual in the acceptable biometric baskets; and

b. a bid step further comprising;

i. entering a biometric basket code by a candidate individual;

ii. entering a biometric sample by said candidate individual; and

c. a comparison step further comprising;

i. locating the biometric basket that is identified by the biometric basket code entered by said candidate individual; and

ii. comparison of the entered biometric sample from said candidate individual with all of the biometric samples stored in said located biometric basket for producing either a successful or failed identification result.

88. A voluntary tokenless identification computer system for determining an individual'"'"'s identity from an examination of at least one biometric sample and a biometric basket code gathered during a bid step, and comparison with previously recorded biometric samples gathered during a registration step, said system comprising:

a. at least one computer;

b. first gathering and display means for voluntary input of at least one biometric sample and selection of a biometric basket code for an individual during the registration step;

c. storage and retrieval means comprising at least two biometric baskets wherein less than all of the registered biometrics are stored in each biometric basket;

d. second gathering and display means for voluntary input of at least one biometric sample and biometric basket code from an individual during a bid step;

e. first interconnecting means for interconnecting said first and second gathering and display means to said computer for transmitting the gathered biometric sample and biometric basket code from said first and second gathering means to said computer;

f. means for comparison of the biometric sample gathered during the bid step with the biometric samples in the biometric basket identified by the biometric basket code gathered during the bid step, for producing an evaluation;

g. execution means within said computer for storage of data and processing and execution of commands for producing a determination; and

h. means for output of said evaluation or determination from said computer.

89. The apparatus of claim 88 wherein the computer comprises means for detecting and preventing electronic intrusion of the computer system, and is placed remote from the gathering and display means.

90. The apparatus of claim 88, the first and second gathering and display means further comprising:

a. at least one biometric input means for gathering biometric samples further comprising a hardware and software component;

b. at least one terminal means that is functionally partially or fully integrated with the biometric input means for input of and appending additional data;

c. at least one data entry means for input of a personal identification code wherein the data entry means is integrated either with the biometric input means or the terminal means; and

d. second interconnecting means for interconnecting said biometric input means, data entry means and said terminal.

91. The apparatus of claim 90 wherein said terminal further comprises at least one display means for display of data.

92. The apparatus of claim 90 wherein the biometric input means has a hardware identification code previously registered with the computer, which makes the biometric input means uniquely identifiable to the computer.

93. The apparatus of claim 90 wherein the hardware component further comprises;

a. at least one computing module for data processing;

b. erasable and non-erasable memory modules for storage of data and software;

c. biometric scanner device for input of biometrics data;

d. data entry means for entering data;

e. digital communication port; and

f. means for prevention of electronic eavesdropping.

94. The apparatus of claim 93 wherein when there are more than one computing modules, the computing modules are connected in a manner to prevent monitoring of communications between said computing modules.

95. The apparatus of claim 90 wherein the hardware component further comprises display means for display of data.

96. The apparatus of claim 90 wherein the hardware component further comprises RF shielding.

97. The apparatus of claim 90 wherein the hardware component further comprises a wireless communication means.

98. The apparatus of claim 90 wherein the biometric input means is secured from physical tampering.

99. The apparatus of claim 90 further comprising means for detection of physical penetration of the biometric input means.

100. The apparatus of claim 93 further comprising means for electronic self destruction whereby software and data stored within the erasable memory modules are erased.

101. The apparatus of claim 93 further comprising means for physical self destruction whereby the computing modules and the erasable and non erasable memory modules are destroyed.

102. The apparatus of claim 90 wherein the hardware component further comprises means for reading magnetic strip cards.

103. The apparatus of claim 90 wherein the hardware component further comprises means for reading a smart card.

104. The apparatus of claim 90 wherein the software component resides in a computing module and further comprises:

a. electronically erasable memory module wherein at least one command interface module, a first set of software and associated data specifically configured for the intended use of the biometric input device and data are stored; and

b. non-erasable memory module wherein a second set of software and associated data are stored.

105. The apparatus of claim 90 said software component further comprising means for encryption of data from plaintext to ciphertext.

106. The apparatus of claim 90 said software component further comprising means to detect alteration of data further comprising;

a. a secret key; and

b. an irreversible one way transformation of the data that cannot be reproduced without the secret key.

107. The apparatus of claim 90 wherein the first set of software and associated data further comprise:

a. a biometric encoding algorithm; and

b. an encryption code.

108. The apparatus of claim 90 wherein the second set of software and associated data further comprise:

a. an operating system; and

b. a device driver.

109. The apparatus of claim 90 wherein said terminal is any electronic device and which issues commands to and receives results from the biometric input means.

110. The apparatus of claim 90 wherein said terminal is selected from the group of facsimile machines, telephones, television remote control, personal computers, credit/debit card processors, cash registers, automated teller machines, wireless personal computers.

111. The apparatus of claim 90 wherein said interconnecting means is means for wireless communications.

112. The apparatus of claim 88 wherein said first interconnecting means is selected from the group X.25, ATM network, telephone network, Internet network, cable television network, cellular telephone network.

113. The apparatus of claim 88 wherein the comparison means further comprises means for encryption and decryption of data.

114. The apparatus of claim 88 wherein the comparison means further comprises means for identifying the biometric input device.

115. The apparatus of claim 88 wherein the computer system further comprises:

a. at least one counter party computer system; and

b. third interconnecting means for interconnecting said computer system with said at least one counter party computer system.

116. The apparatus of claim 115 wherein the third interconnecting means is selected from the group X.25, ATM network, telephone network, Internet network, cable television network.

117. The apparatus of claim 88 wherein the execution means comprises at least one database for storage and retrieval of data.

118. The apparatus of claim 117 wherein the database further comprises an individual biometric database.

119. The apparatus of claim 117 wherein the database further comprises a prior fraud check database.

120. The apparatus of claim 117 wherein the database further comprises an electronic document database.

121. The apparatus of claim 117 wherein the database further comprises an electronic signature database.

122. The apparatus of claim 88 wherein said output means is selected from the group of X.25, ATM network, telephone network, Internet network, cable television network.

123. A method for voluntary and tokenless identification of individuals using a computer system, said method comprising the steps of:

a. a registration step wherein;

i. at least one registration biometric sample for an individual is gathered;

ii. a biometric basket code is selected that identifies a biometric basket, wherein there are at least two biometric baskets in the computer system and each basket contains less than the total number of biometric samples registered with the computer system;

iii. the computer system attempts to store the registration biometric sample in the biometric basket, producing a storage result;

whereupon for a failed storage result, a different biometric basket is selected and storage is attempted again until a successful storage result is obtained;

b. a bid step wherein at least one bid biometric sample and a biometric basket code for an individual is gathered, wherein the biometric basket code identifies the biometric basket to be searched, wherein portable memory devices such as magnetic stripe cards or smart cards are not used;

c. a comparison step wherein the bid biometric sample is compared to each stored biometric within the biometric basket to be searched, for producing either a successful or failed identification result;

d. an execution step wherein a command is processed and executed to produce a determination; and

e. output step wherein said identification result or determination is externalized and displayed.

124. The method of claim 123 wherein both the registration and bid steps further comprise a biometric sample check step wherein the quality of the biometric sample is verified.

125. The method of claim 123 wherein the registration step further comprises a personal identification code and biometric sample duplication check step wherein the biometrics and personal identification code gathered during the registration step is checked against all previously registered biometrics currently associated with the identical personal identification code.

126. The method of claim 123 wherein the registration step further comprises an ancillary data input step wherein ancillary data is collected.

127. The method of claim 126 wherein the ancillary data further comprises names and address of the individual.

128. The method of claim 126 wherein the ancillary data further comprises a title of an individual.

129. The method of claim 128 wherein the ancillary data input step further comprises a title index assignment step, wherein each title of the individual is assigned a code.

130. The method of claim 129 wherein the ancillary data further comprises a financial asset account number.

131. The method of claim 130 wherein the ancillary data input step further comprises an account index assignment step wherein each financial asset account number is assigned an index code.

132. The method of claim 123 wherein the registration step further comprises a prior fraud check step wherein the biometric sample gathered during registration is compared to a subset of previously registered biometric samples.

133. The method of claim 123 wherein the registration step further comprises an emergency mechanism setup step.

134. The method of claim 133 further comprising an emergency account index assignment step wherein an account index is labeled as an emergency account where in the event the account is accessed appropriate authorities are notified of the emergency.

135. The method of claim 134 further comprising a false screen display setup step wherein there is assignment of false screen data.

136. The method of claim 134 wherein access to various financial asset accounts is limited.

137. The method of claim 123 wherein the registration step further comprises a modification step wherein any previously entered ancillary data can be modified or deleted.

138. The method of claim 123 wherein both the registration and bid steps further comprise a data sealing step to provide the ability to detect alteration of the data further comprising:

a. a secret key; and

b. an irreversible one way transformation of the data that cannot be reproduced without the secret key.

139. The method of claim 123 wherein the registration and bid steps further comprise an encryption step to convert the data from plaintext to ciphertext.

140. The method of claim 123 wherein the bid or registration steps further comprise a transmission step wherein the data is transmitted.

141. The method of claim 123 wherein the bid or registration steps are further provided with a unique transmission code having a unique hardware identification code and incrementing sequence number which increases by one for each transmission.

142. The method of claim 123 wherein the registration step further comprises choosing a language for communication in a set language step.

143. The method of claim 123 wherein the bid step further comprises choosing a title in a set title number step.

144. The method of claim 123 wherein the bid step further comprises choosing an account number in a set account number step.

145. The method of claim 123 wherein the bid step further comprises validating an amount in a validate amount step.

146. The method of claim 123 wherein the bid step further comprises entering an amount in an enter amount step.

147. The method of claim 123 wherein the bid step further comprises validating a document in a validate document step.

148. The method of claim 123 wherein the bid step further comprises appending ancillary data in an assign register step.

149. The method of claim 148 the ancillary data further comprising a counter party identification code.

150. The method of claim 123 wherein the bid or registration step further comprise aborting or cancelling said bid or reqistration step in a reset step.

151. The method of claim 123 wherein the bid step further comprises transmission of data in a transmission step.

152. The method of claim 123 wherein the bid step further comprises choosing a language for communication in a set language step.

153. The method of claim 123 wherein the comparison step further comprises use of the unique transmission codes to detect repeat transmissions.

154. The method of claim 123 wherein the comparison step further comprises a counter party identification step using the counter party identification and unique transmission codes.

155. The method of claim 123 wherein the comparison step comprises matching the individual'"'"'s personal identification code and biometric gathered during the bid step, with the personal identification code and biometric gathered during the registration step, for positive identification of the individual.

156. The method of claim 155 wherein if there is no match of the personal identification code and biometrics gathered during the registration step and the personal identification code and biometrics gathered during the bid step, there is no recognition of the individual.

157. The method of claim 123 wherein the execution step further comprises a debit/credit transaction step.

158. The method of claim 157 wherein the debit/credit transaction step further comprises an address collection step.

159. The method of claim 123 wherein the execution step further comprises an archiving step and a tracking code assignment step, where a tracking code is assigned to the data, for archival of data.

160. The method of claim 159 wherein the data is sent through a message digest encoding algorithm step to produce an electronically signatured document.

161. The method of claim 159 wherein the execution step further comprises the retrieval of archived data using said tracking code.

162. The method of claim 123 wherein the execution step further comprises a modification step wherein title index codes, account numbers and account index codes are added, deleted or modified.

163. The method of claim 162 wherein the execution step further comprises an account number retrieval step where the account index code is used to retrieve an account number.

164. The method of claim 123 wherein the execution step further comprises an emergency activation step.

165. The method of claim 164 wherein the emergency activation step further comprises a recognition of the emergency code and identifying the entire transaction as an emergency, and notification of authorities.

166. The method of claim 164 wherein the execution step further comprises a false display step wherein previously designated, false accounts or false limitations on accounts are accessible.

167. The method of claim 123 wherein the output step further comprises an identification result notification step.

168. The method of claim 123 wherein the output step further comprises a determination notification step.

169. The method of claim 123 wherein the output step further comprises an emergency code step wherein the authorities are notified.

170. The method of claim 123 wherein the output step further comprises display of false screens.