System and method for tokenless biometric authorization of electronic communications
First Claim
1. A system for tokenless biometric authorization of an electronic communication, using an electronic communication input apparatus, a biometric input apparatus, and a master electronic identicator, wherein said system comprises:
- a. a communication input apparatus, further comprising a data entry device for formation of an electronic communication;
b. a biometric input apparatus connected to said communication input apparatus, further comprising a device for electronically scanning a biometric sample directly from a person of a user;
c. at least one master electronic identicator, further comprising;
i) a computer database containing all of the electronically stored biometric samples from all of the registered users;
ii) a comparator that electronically compares a received biometric sample with previously stored biometric samples to deliver either a successful or failed identification of the user;
d. a data transmittal public network that electronically transmits data between the biometric input apparatus and a master electronic identicator;
e. an electronic communication authorization platform, connected to said master electronic identifier, that authorizes execution of at least one electronic communication upon a successful identification of the user by an electronic identicator;
f. a rule-module clearinghouse, connected to said master electronic identifier, further comprising a user-customized rule module including at least one user-customized pattern data associated with at least one user-customized execution command, wherein said execution command comprises instructions for executing the processing of an electronic consumer loyalty or consumer rewards incentive;
g. a rule-module invocation platform, that invokes at least one previously designated user-customized rule-module upon successful identification of the user;
h. an electronic communication execution platform, that executes at least one electronic communication upon the invocation of a user-customized rule-module per said execution command;
wherein an electronic communication is biometrically-authorized in a tokenless manner.
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Accused Products
Abstract
This invention is a method and system for tokenless biometric authorization of an electronic communication, using a biometric sample, a master electronic identicator, and a public communications network, wherein the method includes: an electronic communication formation step, wherein at least one communication comprising electronic data is formed; a user registration step, wherein a user electronically submits a registration biometric sample taken directly from the person of the user; a public network data transmittal step, wherein the registration biometric sample is electronically transmitted to a master electronic identicator via a public communications network, said master electronic identicator comprising a computer database which electronically stores all of the registration biometric samples from all of the registered users; a user registration biometric storage step, wherein the registration biometric sample is electronically stored within the master electronic identicator; a bid biometric transmittal step, wherein a bid biometric sample, taken directly from the person of the user, is electronically transmitted to at least one electronic identicator; a user identification step, wherein an electronic identicator compares the bid biometric sample to at least one registration biometric sample previously stored in an electronic identicator, for producing either a successful or failed identification of the user; an electronic communication authorization step, wherein upon a successful identification of the user by an electronic identicator, at least one electronic communication is authorized for execution; wherein an electronic communication is biometrically-authorized without the user having to present any personalized man-made memory tokens such as smartcards, or magnetic stripe cards.
326 Citations
32 Claims
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1. A system for tokenless biometric authorization of an electronic communication, using an electronic communication input apparatus, a biometric input apparatus, and a master electronic identicator, wherein said system comprises:
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a. a communication input apparatus, further comprising a data entry device for formation of an electronic communication; b. a biometric input apparatus connected to said communication input apparatus, further comprising a device for electronically scanning a biometric sample directly from a person of a user; c. at least one master electronic identicator, further comprising; i) a computer database containing all of the electronically stored biometric samples from all of the registered users; ii) a comparator that electronically compares a received biometric sample with previously stored biometric samples to deliver either a successful or failed identification of the user; d. a data transmittal public network that electronically transmits data between the biometric input apparatus and a master electronic identicator; e. an electronic communication authorization platform, connected to said master electronic identifier, that authorizes execution of at least one electronic communication upon a successful identification of the user by an electronic identicator; f. a rule-module clearinghouse, connected to said master electronic identifier, further comprising a user-customized rule module including at least one user-customized pattern data associated with at least one user-customized execution command, wherein said execution command comprises instructions for executing the processing of an electronic consumer loyalty or consumer rewards incentive; g. a rule-module invocation platform, that invokes at least one previously designated user-customized rule-module upon successful identification of the user; h. an electronic communication execution platform, that executes at least one electronic communication upon the invocation of a user-customized rule-module per said execution command; wherein an electronic communication is biometrically-authorized in a tokenless manner. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification