Tokenless biometric transaction authorization system

  • US 5,838,812 A
  • Filed: 07/25/1996
  • Issued: 11/17/1998
  • Est. Priority Date: 11/28/1994
  • Status: Expired due to Term
First Claim
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1. A method for tokenless authorization of commercial transactions at retail points of sale between a buyer and a seller who are collocated and who are using a computer system and at least one biometric input apparatus, said method comprising the steps of:

  • a. a buyer registration step, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account;

    b. a seller registration step, wherein the seller registers with the computer system at least one seller registration financial account, and at least one biometric input apparatus that uniquely identifies the seller to the computer system using a seller identification code;

    c. a proposal step, wherein the seller proposes a commercial transaction to the buyer;

    d. an acceptance step, wherein the buyer signals acceptance of the seller'"'"'s proposed commercial transaction by directly entering into the biometric input apparatus the buyer'"'"'s personal authentication information comprising a PIN and at least one bid biometric sample forming a transaction agreement;

    e. a transmission step, wherein the transaction agreement is forwarded to the computer system along with the seller identification code that uniquely identifies the seller, the seller identification code being provided by the biomeric input apparatus;

    f. a seller identification step, wherein the computer system compares the seller identification code with previously registered seller identification codes for producing either a successful or failed identification of the seller;

    g. a buyer identification step, wherein the computer system compares the personal authentication information in the transaction agreement with previously registered biometric samples for producing either a successful or failed identification of the buyer;

    h. a payment step, wherein upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited; and

    i. a presentation step, wherein any combination of the results of steps a) through h) are presented to the buyer or seller,wherein a commercial transaction is conducted without the buyer using any portable man-made memory devices such as smartcards or magnetic stripe cards for identifying the buyer.

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