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Personal identification system for use with fingerprint data in secured transactions

  • US 5,648,648 A
  • Filed: 02/05/1996
  • Issued: 07/15/1997
  • Est. Priority Date: 02/05/1996
  • Status: Expired due to Fees
First Claim
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1. In a transaction-based system for conducting secured-data transactions, comprising:

  • at least one fingerprint recognition device for recognizing and generating fingerprint data of a requester in a predefined format,master files and libraries for initially storing a plurality of fingerprint data corresponding to a plurality of users of said system, anda data processing unit coupled to said master files and libraries for maintaining preestablished criteria maintained in said master files and libraries for said request by comparing said fingerprint data from said requester with a corresponding entry in said master file and libraries using said predetermined criteria, a method of personal identification for said system to conduct secured-data transactions using said fingerprint data of said requester, comprising the steps of;

    a) generating and maintaining, for each account, an access file for specifying a plurality of different AR/RR levels with each level corresponding to an acceptable transaction such that a transaction is allowed when an AR level is met, or rejected when it falls below an RR level;

    b) receiving fingerprint data of a requester and its accompanying request for a transaction and account information;

    c) generating a CR for said requester'"'"'s fingerprint data;

    d) comparing said fingerprint data of said requester with one of said plurality of fingerprint data in said master file pertaining to said account;

    e) evaluating said CR of transaction request against said AR/RR, using said access file;

    f) if said AR is acceptable for said transaction, granting said request; and

    if said CR is not acceptable for said transaction, entering at least one exception routine for additional authentication.

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