Touch scan internet credit card verification purchase process

• US 6,591,249 B2
• Filed: 03/26/2000
• Issued: 07/08/2003
• Est. Priority Date: 03/26/2000
• Status: Expired due to Fees

• Current Assignee: Ron Zoka
• Original Assignee: Ron Zoka
• Inventors: Zoka, Ron
• Primary Examiner(s): BARTUSKA, FRANCIS JOHN
• Application Number:
  US09/536,010
• Publication Number:
  US 20020062291A1
• Time in Patent Office: 1,199 Days
• Field of Search: 235/382, 235/380, 713/186, 705/44, 705/38, 705/78, 705/53, 705/18
• US Class Current: 705/18
• 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 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• 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: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

A method and device for providing willing participants, having credit card worthiness, with a credit card which uses subscribers supplied biometric information as the preferred means for verifying the identity of the credit card user during credit card purchase transactions with those vendors/online merchants displaying the Touch Scan Logo on their websites and/or retail outlets. Additionally, user can register pre-existing credit/debit card(s) with the credit/debit card purchases identification verification system.

Claims

1. A method of establishing a security system relying on biometric identification for facilitating credit/debit card services comprising the steps of:

a) an applicant fills out a credit card application and submits said application on line from applicant'"'"'s own internet access equipment;

b) said credit card application is submitted to a third party working in conjunction with a credit card provider;

c) if the applicant meets credit card provider standards, the applicant is provided by the third party with a device for biometric scanning when the third party determines that applicant'"'"'s existing equipment lacks biometric scanning equipment;

d) the applicant uses said device to produce biometric information which is encrypted and transmitted by secured connection to said third party; and

e) said third party stores said biometric information along with the applicant'"'"'s credit card data for comparison with future biometric data submitted during future credit card purchase transactions.

2. The method of claim 1 in which said biometric information is a fingerprint.

3. A method of establishing a security system relying on biometric identification for facilitating credit/debit card services comprising the steps of:

a) a third party establishes and maintains biometric and credit information about prospective purchasers of goods and services who voluntarily submit such information to said third party, said information being made available to one or more credit card providers;

b) a credit card provider contacts said third party for verification and approval whenever one of said prospective purchasers submits a credit card along with biometric information in connection with a purchase being made;

c) said third party provides to a prospective purchaser biometric scanning equipment when said third party determines that said prospective purchaser'"'"'s existing equipment lacks biometric scanning equipment.

4. The method of claim 3 in which said biometric information is a fingerprint.

5. The method of claim 3 in which the prospective purchasers obtain credit/debit cards and make purchases while on line from their own internet access equipment.