Electronic transaction verification system with biometric authentication
First Claim
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1. A transaction system for processing transactions comprising:
- an electronic verification system at a transaction location and a central processing system comprising;
a device with radio frequency;
a biometric data reader configured to obtain biometric data from an individual;
one or more information stores of users authorized to use the electronic verification system;
a processing system configured to access the one or more information stores of the electronic verification system;
a processing system configured to send and receive information, receive and store token information received from an issuing entity, the token information representative of a transaction instrument issued to the individual by an issuing entity,wherein the electronic verification system is configured to;
receive the obtained biometric data;
generate a first comparison result by comparing the obtained biometric data with biometric data associated with a biometric information stored in the one or more information stores of users;
transmit to the central processing system information representing the first comparison result; and
transmit the token instrument information associated with the transaction being processed to the central processing systemwherein the central processing system comprises;
one or more information stores of users authorized to use the transaction system;
a processing system configured to access the one or more information stores of the central processing system;
a processing system configured to send and receive information from the electronic verification system; and
a processing system configured to send and receive information from the issuing entity,wherein the central processing system is configured to;
transmit the first comparison result information and the token information received from the electronic verification system to the issuing entity'"'"'s processor,receive a second comparison result from the processor of the issuing entity to accept or deny the transaction; and
transmit a decision to the electronic transaction system.
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Abstract
An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.
167 Citations
14 Claims
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1. A transaction system for processing transactions comprising:
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an electronic verification system at a transaction location and a central processing system comprising; a device with radio frequency; a biometric data reader configured to obtain biometric data from an individual; one or more information stores of users authorized to use the electronic verification system; a processing system configured to access the one or more information stores of the electronic verification system; a processing system configured to send and receive information, receive and store token information received from an issuing entity, the token information representative of a transaction instrument issued to the individual by an issuing entity, wherein the electronic verification system is configured to; receive the obtained biometric data; generate a first comparison result by comparing the obtained biometric data with biometric data associated with a biometric information stored in the one or more information stores of users; transmit to the central processing system information representing the first comparison result; and transmit the token instrument information associated with the transaction being processed to the central processing system wherein the central processing system comprises; one or more information stores of users authorized to use the transaction system; a processing system configured to access the one or more information stores of the central processing system; a processing system configured to send and receive information from the electronic verification system; and a processing system configured to send and receive information from the issuing entity, wherein the central processing system is configured to; transmit the first comparison result information and the token information received from the electronic verification system to the issuing entity'"'"'s processor, receive a second comparison result from the processor of the issuing entity to accept or deny the transaction; and transmit a decision to the electronic transaction system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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Specification