Methods and apparatus for conducting electronic transactions using biometrics
First Claim
1. A method for conducting a transaction in a transaction system, the method comprising:
- receiving a transaction request from a user, said user proffering a transaction instrument to facilitate said transaction request;
issuing a challenge to said user;
receiving a response from said user based upon said challenge;
receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said transaction system to initiate verification of said biometric sample;
processing said response to verify said transaction instrument and said biometric sample to verify said user and to provide access to a transaction service;
assembling credentials for said transaction at a server to create assembled credentials, said assembled credentials comprising at least one key;
providing at least a portion of said assembled credentials to said user;
receiving a second request from said user at said server, said second request comprising said portion of said assembled credentials provided to said user; and
validating, at said server, said portion of said assembled credentials provided to said user with said key of said assembled credentials to provide access to said transaction service.
3 Assignments
0 Petitions
Accused Products
Abstract
A system and method for facilitating electronic transactions using a biometric are disclosed. The system for facilitating electronic transactions using a biometric comprises a smartcard-reader transaction system. The method comprises determining if a transaction violates an established rule, such as a preset spending limit. The method also comprises notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
365 Citations
9 Claims
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1. A method for conducting a transaction in a transaction system, the method comprising:
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receiving a transaction request from a user, said user proffering a transaction instrument to facilitate said transaction request; issuing a challenge to said user; receiving a response from said user based upon said challenge; receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said transaction system to initiate verification of said biometric sample; processing said response to verify said transaction instrument and said biometric sample to verify said user and to provide access to a transaction service; assembling credentials for said transaction at a server to create assembled credentials, said assembled credentials comprising at least one key; providing at least a portion of said assembled credentials to said user; receiving a second request from said user at said server, said second request comprising said portion of said assembled credentials provided to said user; and validating, at said server, said portion of said assembled credentials provided to said user with said key of said assembled credentials to provide access to said transaction service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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Specification