System and method for tokenless biometric electronic scrip

• US 7,698,567 B2
• Filed: 12/28/2005
• Issued: 04/13/2010
• Est. Priority Date: 11/28/1994
• Status: Expired due to Fees

• Current Assignee: Open Invention Network LLC
• Original Assignee: YT Acquisition Corp.
• Inventors: Hoffman, Ned
• Primary Examiner(s): Zeender; F.
• Assistant Examiner(s): SHAAWAT, MUSSA A
• Application Number:
  US11/321,114
• Publication Number:
  US 20060107069A1
• Time in Patent Office: 1,567 Days
• Field of Search: None
• US Class Current: 713/186
• CPC Class Codes: G06F 18/28 Determining representative reference patterns, e.g. by averaging or distorting; Generating dictionaries
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/554 involving event detection and direct action
• CPC Class Codes: G06F 21/83 input devices, e.g. keyboards, mice or controllers thereof
• CPC Class Codes: G06F 21/86 Secure or tamper-resistant housings
• CPC Class Codes: G06F 2211/008 Public Key, Asymmetric Key, Asymmetric Encryption
• CPC Class Codes: G06F 2221/2117 User registration
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/023 the neutral party being a clearing house
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• 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 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 : Biometric identity checks
• CPC Class Codes: G06Q 20/4097 : using mutual authentication between devices and transaction partners
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06V 10/772 : Determining representative reference patterns, e.g. averaging or distorting patterns; Generating dictionaries
• CPC Class Codes: G06V 40/1365 : Matching; Classification
• CPC Class Codes: G07C 9/37 : using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07F 19/201 : Accessories of ATMs
• CPC Class Codes: G07F 19/207 : Surveillance aspects at ATMs
• 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 2463/102 : applying security measure for e-commerce data processing systems or methods, specially adapted for e-commerce G06Q30/00
• CPC Class Codes: H04L 63/04 : for providing a confidential data exchange among entities communicating through data packet networks
• CPC Class Codes: H04L 63/0428 : wherein the data content is protected, e.g. by encrypting or encapsulating the payload
• CPC Class Codes: H04L 63/0861 : using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

The present invention satisfies these needs by providing an improved system and method for tokenless authorization of an electronic scrip transaction using at least one scrip supporter biometric sample and an electronic identicator. The preferred embodiment of the method comprises the steps of a scrip supporter registration step, wherein a scrip supporter registers with an electronic identicator at least one registration biometric sample, an electronic scrip transaction proposal step, comprising electronic scrip donator account data, at least one transmittal step, wherein a scrip supporter bid biometric sample is obtained from the scrip supporter'"'"'s person and is electronically transmitted to the electronic identicator, a scrip supporter identification step, wherein the electronic identicator compares the bid biometric sample with at least one registration biometric sample for producing either a successful or failed identification of the scrip supporter, wherein upon successful identification of the scrip supporter, a scrip transaction is biometrically authorized, without the scrip supporter presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.

Claims

1. A tokenless electronic scrip transaction authorization device, said device comprising:

at least one electronic scrip supporter registration biometric sample received from a scrip supporter;

an electronic identicator for comparing a bid biometric sample from said scrip supporter with the at least one scrip supporter registration biometric sample to produce a successful or failed identification result;

an electronic scrip donator account to be debited as a result of a scrip transaction conducted by said scrip supporter with a merchant;

an electronic scrip beneficiary account to be credited as a result of said scrip transaction, said electronic scrip beneficiary account owned by an electronic scrip beneficiary different from both said scrip supporter and said merchant, said electronic scrip beneficiary being a charitable or non-profit organization; and

an electronic clearinghouse that contains at least one rule module, said at least one rule module including at least one pattern data that is associated with at least one execution command, said execution command including instructions for accessing at least one electronic registry that contains any one of the following;

at least one electronic scrip donator account and at least one electronic scrip beneficiary account;

wherein upon successful identification of said scrip supporter, said scrip transaction is authorized and a value is debited from said electronic scrip donator account and credited to said electronic scrip beneficiary account without said scrip supporter presenting any smartcards or magnetic swipe cards.

2. The device of claim 1 further comprising at least one local identicator containing a subset of the registration biometric samples in the identicator.

3. The device of claim 1, wherein pattern data is selected from a group consisting of the following:

a unique scrip supporter identification code, demographic information, an email address, at least one pre-determined formula for scrip donations, secondary biometric, a telephone number, a mailing address, purchasing patterns, a digital certificate, a network credential, an Internet protocol address, a digital signature, and an encryption key.

4. The device of claim 1, wherein the electronic registry is located on a computer that is external to the authorization device.

5. The device of claim 1, further comprising at least one local clearinghouse containing a subset of all of the rule modules in the scrip transaction system.

6. The device of claim 1 further comprising a merchant registered identification data for comparing a merchant bid identification data with merchant registered identification data for producing either a successful or failed identification of the merchant.

7. The device of claim 6 wherein the merchant identification data is selected from a group consisting of the following:

a hardware identification code, a telephone number, an email address, a digital certificate code, an account index, an electronic account number, a biometric, or a biometric and personal identification number combination.

8. The device of claim 1 further comprising at least one beneficiary identification data for comparing a scrip beneficiary bid identification data with a scrip beneficiary registered identification data for producing either a successful or failed identification of the scrip beneficiary.

9. The device of claim 8 wherein the beneficiary identification data is selected from a group consisting of the following:

a hardware identification code, a telephone number, an email address, a digital certificate code, an account index, an electronic account number, a biometric, or a biometric and personal identification number combination.

10. The device of claim 1 further comprising a supporter personal identification number for identifying the supporter.

11. The device of claim 1 wherein said scrip is selected from a group consisting of any unit of the following:

gift certificates, stored-value units, electronic or paper coupons having a pre-determined dollar value, minutes of telephone calling time, miles towards earning a free airplane flight, points towards receiving a commodity or service.

12. The device of claim 1 wherein the electronic scrip donator account is selected from a group consisting of the following:

a stored value account and a financial account.

13. The device of claim 1 wherein the electronic beneficiary account is selected from a group consisting of the following:

a stored value account and a financial account.

14. The device of claim 6 wherein said scrip transaction is authorized and a value is debited from said electronic scrip donator account and credited to said electronic scrip beneficiary account upon successful identification of said scrip supporter and successful identification of said merchant.

15. The device of claim 1, wherein the electronic identicator is operative to compare said bid biometric sample from said scrip supporter with the at least one scrip supporter registration biometric sample and at least one registration biometric sample from a second scrip supporter to produce a successful or failed identification result.