Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
First Claim
1. A tokenless biometric identification computer system, comprising:
- at least one database containing registered biometric samples of users;
a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user to identify the user conducting an electronic transaction;
a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
a stored audio signature, wherein the stored audio signature is associated with the selected transaction processor entity, the selected transaction processor entity conducting the electronic transaction using the selected account;
sound generator means for generating an analog or digital signal from the stored audio signature;
a transducer for converting the analog or digital signal to a play back audio signature; and
means for playing basic the play back audio signature to the user to identify the transaction processor entity that conducted the electronic transaction using the account, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction.
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Abstract
The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user. A stored audio signature is associated with a transaction processor entity, which the transaction processor entity is responsible for conducting the electronic transaction. A sound generator generates an analog or digital signal from the stored audio signature, and a transducer converts the analog or digital signal to a play back audio signature. This invention generates a play back audio signature from the stored audio signature that is associated with the transaction processor entity and the play back audio signature is played back to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no man made personal devices such as credit cards, identity cards or the like is used during the identification process for conducting the electronic transaction.
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Citations
25 Claims
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1. A tokenless biometric identification computer system, comprising:
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at least one database containing registered biometric samples of users;
a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user to identify the user conducting an electronic transaction;
a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
a stored audio signature, wherein the stored audio signature is associated with the selected transaction processor entity, the selected transaction processor entity conducting the electronic transaction using the selected account;
sound generator means for generating an analog or digital signal from the stored audio signature;
a transducer for converting the analog or digital signal to a play back audio signature; and
means for playing basic the play back audio signature to the user to identify the transaction processor entity that conducted the electronic transaction using the account, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction. - View Dependent Claims (2, 3, 4, 5)
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6. A tokenless biometric identification computer system, comprising:
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at least one database containing registered biometric samples of users;
a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user;
a second database containing as least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account front the second database, thereby selecting a transaction processor entity;
a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with one of the plurality of transaction processor entities, the selected transaction processor entity associated with the first stored audio signature conducting the electronic transaction using the selected account;
sound generator means for generating an analog or digital signal from the first stored audio signature; and
a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature in the form of an audio sound wave comprising one or more of the following;
a tone, a musical fragment, speech, phonation, and a song, and capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction using the account. - View Dependent Claims (7)
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8. A tokenless biometric identification computer system, comprising:
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at least one database containing registered biometric samples of users;
a comparator for comparing a biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user, the bid biometric sample comprising any of the following;
a fingerprint, a voice print, an iris scan, a retinal scan, and a facial image;
a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with one of the transaction processor entities, the selected transaction processor entity associated with the first stored audio signature conducting the electronic transaction using the selected account;
sound generator means for generating an analog or digital signal from the first stored audio signature; and
a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction using the selected account. - View Dependent Claims (9)
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10. A tokenless biometric identification computer system, comprising:
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at least one database containing registered biometric samples of users;
a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user;
a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with one of the transaction processor entities, the selected transaction processor entity associated with the first stored audio signature conducting the electronic transaction using the account and comprising any of the following;
a retailer, a bank, a credit association, a stored value system, and an internet payment entity;
sound generator means for generating en analog or digital signal from the first stored audio signature; and
a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction using the account. - View Dependent Claims (11)
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12. A method of identification of a transaction processor entity to a user of a tokenless biometric identification computer system, comprising the steps of:
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obtaining a bid biometric sample from the user'"'"'s person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user;
registering a first stored audio signature associated with a first transaction processor entity and a second stored audio signature associated with a second transaction processor entity with the identification computer system;
selecting an account for the user, the account associated with one of the first transaction processor entity and the second transaction processor entity;
selecting one of the first transaction processor entity and the second transaction processor entity based on the selected account for the user;
generating an analog or digital signal from the stored audio signature associated with the selected transaction processor entity;
converting the analog or digital signal to a play back audio signature; and
playing back the play back audio signature to the user to identity the selected transaction processor that conducted the electronic transaction using the selected account, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction. - View Dependent Claims (13, 14, 15)
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16. A method of identification of a transaction processor entity to a user of a tokenless biometric identification computer system, comprising the steps of:
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obtaining a bid biometric sample from the user'"'"'s person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user, the bid biometric sample comprising any of the following;
a fingerprint, a voice print, an iris scan, a retinal scan, and a facial image;
registering a first stored audio signature associated with a first transaction processor entity and a second stored audio signature associated with a second transaction processor entity with the identification computer system;
storing the first stored audio signature and the second stored audio signature in a stored audio signature data bank;
selecting an account for the user, the account associated with one of the first transaction processor entity and the second transaction processor entity;
selecting one of the first transaction processor entity and the second transaction processor entity based on the selected account for the user;
generating an analog or digital signal from the stored audio signature associated with the selected transaction processor entity;
converting the analog or digital signal to a play back audio signature; and
playing back the play back audio signature to the user to identify the selected transaction processor entity that conducted the electronic transaction using the selected account. - View Dependent Claims (17)
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18. A method of identification of a transaction processor entity to a user of a tokenless biometric identification computer system, comprising the steps of:
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obtaining a bid biometric sample from the user'"'"'s person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user;
registering a first stored audio signature associated with a first transaction processor entity and a second stored audio signature associated with a second transaction processor entity with the identification computer system;
storing the stored audio signature in a stored audio signature data bank;
selecting an account for the user, the account associated with one of the first transaction processor entity and the second transaction processor entityselecting one of the first transaction processor entity and the second transaction processor entity based on the selected account for the user;
generating an analog or digital signal front the stored audio signature associated with the selected transaction processor entity;
converting the analog or digital signal to a play back audio signature; and
playing back the play back audio signature to the user to identity the selected transaction processor entity that conducted the electronic transaction using the selected account, the transaction processor entity that conducted the transaction comprising any of the following;
a retailer, a bank, a credit association, a stored value system, and an internet payment entity. - View Dependent Claims (19)
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20. A tokenless biometric identification computer system, comprising:
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as least one database containing registered biometric samples, the database organized into at least two biometric baskets, each biometric basket including a subset of the registered biometric samples and identified by a biometric basket code, wherein each registered biometric sample is algorithmically distinct from every other registered biometric sample in the same biometric basket;
a comparator for comparing a bid biometric sample of a user to the subset of registered biometric samples in one of the biometric baskets, the bid biometric sample obtained directly from the user to identity the user conducting an electronic transaction, the biometric basket selected using a biometric basket code provided by the user;
a second database containing at least one account for the user each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
a stored audio signature, wherein the stored audio signature is associated with a the selected transaction processor entity, the transaction processor entity conducting the electronic transaction;
sound generator means for generating an analog or digital signal from the stored audio signature;
a transducer for converting the analog or digital signal to a play back audio signature; and
means for playing back the play back audio signature to the user to identify the transaction processor enity that conducted the electronic transaction, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction.
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21. A tokenless biometric identification computer system, comprising:
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at least one database containing registered biometric samples, the database organized into at least two biometric baskets, each biometric basket including a subset of the registered biometric samples and identification by a biometric basket code, wherein each registered biometric sample is algorithmically distinct from every other registered biometric sample in the same biometric basket;
a comparator for comparing a bid biometric sample of a user to the subset of registered biometric samples in one of the biometric baskets, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user, the biometric basket selected using a biometric basket code provided by the user;
a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with a transaction processor entity;
a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
sound generator means for generating an analog or digital signal from the audio signature associated with the selected transaction processor entity; and
a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature in the form of an audio sound wave comprising one or more of the following;
a tone, a musical fragment, speech, phonation, and a song, and capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction.
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22. A method of identification of a transaction processor entity to a user of a tokenless biometric identification computer system, comprising the steps of:
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obtaining a bid biometric sample from the user'"'"'s person;
obtaining from the user a biometric basket code;
selecting a subset of registered biometric samples associated with the biometric basket code, all of the subset of the registered biometric samples being algorithmically distinct;
comparing the bid biometric sample to the subset of the registered biometric samples to produce a successful or failed identification of the user;
registering a stored audio signature associated with a transaction processor entity with the identification computer system;
selecting by the user of an account registered with the system identifying the transaction processor entity associated with the selected account;
identifying the stored audio signature associated with the selected transaction processor entity;
generating an analog or digital signal from the stored audio signature;
converting the analog or digital signal to a play back audio signature; and
playing back the play back audio signature to the user to identity the transaction processor that conducted the electronic transaction, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction.
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23. A method of identification of a transaction processor entity to a user of a tokenless biometric identification computer system, comprising the steps of:
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obtaining a bid biometric sample from the user'"'"'s person;
obtaining from the user a biometric basket code;
selecting a subset of registered biometric samples associated with the biometric basket code, all of the subset of the registered biometric samples being algorithmically distinct;
comparing the bid biometric sample in the subset of the registered biometric samples to produce a successful or failed identification of the user;
registering a stored audio signature associated with a transaction processor entity with the identification computer system;
selecting by the user of an account registered with the system;
identifying the transaction processor entity associated with the selected account;
identifying the stored audio signature associated with the selected transaction processor entity;
storing the stored audio signature in a stored audio signature data bank, the stored audio signature data bank including at least a second stored audio signature;
generating an analog or digital signal from the stored audio signature;
converting the analog or digital signal to a play back audio signatures; and
playing back the play back audio signature to the user to identify the transaction processor that conducted the electronic transaction, the transaction processor that conducted the transaction comprising say of the following;
a retailer, a bank, a credit association, a stored value system, and an internet payment entity.
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24. A tokenless biometric identification computer system, comprising:
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at least one database containing registered biometric samples the database organized into at least two biometric baskets, each biometric basket including a subset of the registered biometric samples and identified by a biometric basket code;
means for verifying that every registered biometric sample in each biometric basket is algorithmically distinct from one another;
a comparator for comparing a bid biometric sample of a user to the subset of registered biometric samples in one of the biometric baskets, the bid biometric sample obtained directly from the user to identify the user conducting an electronic transaction, the biometric basket selected using a biometric basket code provided by the user, a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities;
means for the user to select an account from the second database, thereby selecting a transaction processor entity;
a stored audio signature, wherein the stored audio signature is associated with the selected transaction processor entity, the transaction processor entity conducting the electronic transaction;
sound generator means for generating an analog or digital signal from the stored audio signature;
a transducer for converting the analog or digital signal to a play back audio signature; and
means for playing back the play back audio signature to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction.
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25. A method of identification of a transaction processor entity to a user of a tokenless biometric identification computer system, comprising the steps of:
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obtaining a registration biometric sample from the user'"'"'s person;
assigning a biometric basket code;
verifying that the registration biometric sample is algorithmically distinct from a subset of registered biometric samples associated with the biometric basket code;
associating the registration biometric sample with the biometric basket code;
obtaining a bid biometric sample from the user'"'"'s person;
obtaining from the user the biometric basket code;
selecting the subset of the registered biometric samples associated with the biometric basket code;
comparing the bid biometric sample to the subset of the registered biometric samples to produce a successful or failed identification of the user;
registering a stored audio signature associated with a transaction processor entity with the identification computer system;
selecting by the user of an account registered with the system;
identifying the transaction processor entity associated with the selected account;
identifying the stored audio signature associated with the selected transaction processor entity;
generating an analog or digital signal from the stored audio signature;
converting the analog or digital signal to a play back audio signature; and
playing back the play back audio signature to the user to identify the transaction processor that conducted the electronic transaction, wherein no credit cards or identity cards are used during the identification processor for conducting the electronic transaction.
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Specification