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Methods and apparatus for conducting electronic transactions

  • US 8,423,476 B2
  • Filed: 04/13/2011
  • Issued: 04/16/2013
  • Est. Priority Date: 08/31/1999
  • Status: Expired due to Fees
First Claim
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1. A method comprising:

  • transmitting, by a computer-based system for conducting a transaction, a challenge to a client device having an intelligent token, wherein said intelligent token generates a challenge response that includes biometric data representing a biometric sample;

    receiving, by said computer-based system, said challenge response;

    verifying, by said computer-based system, said biometric data;

    assembling, by said computer-based system and based on features of said biometric data, credentials in response to verifying said challenge response, wherein said assembled credentials include a key;

    transmitting, by said computer-based system, said assembled credentials to said client device;

    receiving, by said computer-based system, a request from said client device that includes at least a portion of said assembled credentials;

    validating, by said computer-based system, said portion of said assembled credentials with said key of said assembled credentials; and

    providing, by said computer-based system, access to a transaction service in response to said validating.

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