Tokenless electronic transaction system
First Claim
1. A voluntary tokenless identification computer system for determining an individual'"'"'s identity from an examination of at least one bid biometric sample and a bid personal identification code gathcred during a bid step, and comparison with previously recorded registration biometric samples and registration personal identification codes gathered during a registration step, said system comprising:
- a. first gathering means for voluntary input of at least one registration biometric sample and a registration personal identification code from an individual during the registration step;
b. second gathering means for voluntary input of at least one bid biometric sample and bid personal identification code, from an individual during a bid step;
c. means for storing a plurality of registration biometric samples;
d. means for associating a subset of the stored registration biometric samples with a registration personal identification code; and
e. means for comparison of a bid biometric sample with the registration biometric samples associated with the registration personal identification code corresponding to the bid personal identification code, for producing an evaluation of the individual'"'"'s identity.
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Accused Products
Abstract
The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller'"'"'s proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer'"'"'s personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer'"'"'s person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.
281 Citations
2 Claims
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1. A voluntary tokenless identification computer system for determining an individual'"'"'s identity from an examination of at least one bid biometric sample and a bid personal identification code gathcred during a bid step, and comparison with previously recorded registration biometric samples and registration personal identification codes gathered during a registration step, said system comprising:
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a. first gathering means for voluntary input of at least one registration biometric sample and a registration personal identification code from an individual during the registration step; b. second gathering means for voluntary input of at least one bid biometric sample and bid personal identification code, from an individual during a bid step; c. means for storing a plurality of registration biometric samples; d. means for associating a subset of the stored registration biometric samples with a registration personal identification code; and e. means for comparison of a bid biometric sample with the registration biometric samples associated with the registration personal identification code corresponding to the bid personal identification code, for producing an evaluation of the individual'"'"'s identity.
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2. A voluntary tokenless identification computer system for determining an individual'"'"'s identity from an examination of at least one bid biometric sample gathered during a bid step, and comparison with previously recorded registration biometric samples gathered during a registration step, said system comprising:
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a. first gathering means for voluntary input of at least one registration biometric sample from an individual during the registration step; b. second gathering means for voluntary input of at least one bid biometric sample, from an individual during a bid step; c. means for storing a plurality of registration biometric samples; d. means for associating a subset of the stored registration biometric samples with a registration personal identification code; and e. means for comparison of a bid biometric sample with the registration biometric samples, for producing an evaluation of the individual'"'"'s identity.
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Specification