Patent US6012039A successfully refreshed from Google Patents.
US6012039A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Tokenless biometric electronic rewards system
Assignee: Open Invention Network LLC
•
Filing: 1999-02-05
•
Granted: 2000-01-04
•
Expires: 2019-02-05
Abstract
Abstract The method of the invention includes a tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, the method comprising the following steps. A recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample. An issuer registration step, wherein the issuer registers identification data with the electronic identicator. During a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, the bid biometric sample is obtained from the issuer's person. In at least one transmission step, the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator. In a recipient identification step, the electronic identicator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the recipient. In an issuer identification step, the electronic identicator compares the issuer's bid identification data with an issuer's registered identification data for producing either a successful or failed identification of the issuer. Thereby, upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient's rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.
Inventors
- 👤 Ned Hoffman
- 👤 David Ferrin Pare, Jr.
- 👤 Jonathan Alexander Lee
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 22:08
CPC Classifications
H; H04; H04L; H04L63/00; H04L63/04; G; G01; G01F; G01F19/00; G01F19/005; G06; G06F; G06F18/00; G06F18/20; G06F18/28; G06F21/00; G06F21/30; G06F21/31; G06F21/32; G06F21/50; G06F21/55; G06F21/554; G06F21/70; G06F21/82; G06F21/83; G06F21/86; G06Q; G06Q20/00; G06Q20/02; G06Q20/04; G06Q20/08; G06Q20/10; G06Q20/12; G06Q20/18; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/38; G06Q20/382; G06Q20/3821; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/40145; G06Q20/409; G06Q20/4097; G06Q30/00; G06Q30/02; G06Q30/0207; G06Q30/0225; G06Q30/0236; G06V; G06V40/00; G06V40/10; G06V40/12; G06V40/1365; G07; G07C; G07C9/00; G07C9/30; G07C9/32; G07C9/37; G07F; G07F19/00; G07F19/20; G07F19/201; G07F19/207; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; H04L63/08; H04L63/0861; G06F2211/00; G06F2211/007; G06F2211/008; G06F2221/00; G06F2221/21; G06F2221/2117; H04L2463/00; H04L2463/102; H04L63/0428
Claims Analysis
Total Claims: 23
Claim 1
Independent Claim
244 words
A method for tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, said method comprising the steps of: a. a recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample; b. an issuer registration step, wherein the issuer registers identification data with the electronic identicator; c. a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, wherein the bid biometric sample is obtained from the issuer's person; d. at least one transmission step, wherein the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator; e. a recipient identification step, wherein the electronic identicator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the recipient; f. an issuer identification step, wherein the electronic identicator compares the issuer's bid identification data with an issuer's registered identification data for producing either a successful or failed identification of the issuer; wherein upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient's rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.
Claim 2
Independent Claim
244 words
A method for tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, said method comprising the steps of: a. a recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample; b. an issuer registration step, wherein the issuer registers identification data with the electronic identicator; c. a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, wherein the bid biometric sample is obtained from the issuer's person; d. at least one transmission step, wherein the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator; e. a recipient identification step, wherein the electronic identicator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the recipient; f. an issuer identification step, wherein the electronic identicator compares the issuer's bid identification data with an issuer's registered identification data for producing either a successful or failed identification of the issuer; wherein upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient's rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.
Claim 3
Dependent Claim
53 words
The method of claim 1 wherein the issuer identification data comprises any one of the following; an issuer hardware identification code, an issuer telephone number, an issuer email address, an issuer digital certificate code, an issuer account index, an issuer rewards account number, an issuer biometric, and an issuer biometric and PIN combination.
Claim 4
Dependent Claim
41 words
The method of claim 1 wherein the issuer registration step further comprises registering an issuer biometric sample with the electronic identicator, which is compared in the issuer identification step with at least one registered biometric sample for identification of the issuer.
Claim 5
Dependent Claim
33 words
The method of claim 1 wherein the recipient registration step further comprises registering a recipient personal identification number with the electronic identicator, which is used by the electronic identicator to identify the recipient.
Claim 6
Dependent Claim
35 words
The method of claim 1 further comprising a recipient resource determination step, wherein it is determined if the recipient's rewards account has sufficient resources to be debited for an amount specified in the transaction data.
Claim 7
Dependent Claim
22 words
The method of claim 1 further comprising a transaction settlement step, wherein the transaction data is credited to a recipient's rewards account.
Claim 8
Dependent Claim
56 words
The method of claim 1 wherein the registration step further comprises registering a recipient private code with the electronic identicator, which is distinct from a personal identification number and not used in the recipient identification step, wherein the private code is displayed to the recipient to validate that the authentic electronic identicator has processes the transaction.
Claim 9
Dependent Claim
24 words
The method of claim 5 wherein both the recipient resource determination step further comprises the electronic identicator communicating with one or more external computers.
Claim 10
Dependent Claim
31 words
The method of claim 1 wherein the transaction data comprises price information, a list of goods and services, an issuer name, a date or time, a location, or an invoice number.
Claim 11
Dependent Claim
38 words
The method of claim 6 wherein the transaction settlement step further comprises the recipient designating a future date on which the reward-units are to be deducted from the recipient's rewards account and credited to the issuer's rewards account.
Claim 12
Dependent Claim
46 words
The method of claim 1 further comprising a recipient re-registration step, wherein the user's registration biometric samples are compared against previously designated biometric samples wherein if a match occurs, the computer system is alerted to the fact that the recipient has re-registered with the electronic identicator.
Claim 13
Dependent Claim
30 words
The method of claim 1 wherein the biometric sample comprises of one of the following: a fingerprint, a facial scan, a retinal image, an iris scan, and a voice print.
Claim 14
Dependent Claim
32 words
The method of claim 4 further comprising a biometric theft resolution step, wherein the recipient's personal identification number is changed whenever the recipient's biometric sample is determined to have been fraudulently duplicated.
Claim 15
Independent Claim
145 words
A method for processing tokenless electronic reward-units transfer to a recipient using an electronic identicator and at least one recipient biometric sample, comprising; a. creating an electronic registry of reward units, having the reward-units disbursed to a recipient based upon the occurrence of predetermined criteria; b. a recipient registration step, wherein the recipient registers with the electronic identicator at least one registration biometric sample; c. a recipient identification step, wherein the identicator compares a recipient bid biometric sample with at least one previously registered biometric samples for producing either a successful or failed identification of the recipient; and d. recipient reward-units issuance step, wherein upon successful identification of the recipient, an electronic reward transaction is conducted without the recipient using any tokens such as plastic cards or man made portable memory devices such as smart cards, or magnetic stripe cards to receive the rewards units.
Claim 16
Independent Claim
145 words
A method for processing tokenless electronic reward-units transfer to a recipient using an electronic identicator and at least one recipient biometric sample, comprising; a. creating an electronic registry of reward units, having the reward-units disbursed to a recipient based upon the occurrence of predetermined criteria; b. a recipient registration step, wherein the recipient registers with the electronic identicator at least one registration biometric sample; c. a recipient identification step, wherein the identicator compares a recipient bid biometric sample with at least one previously registered biometric samples for producing either a successful or failed identification of the recipient; and d. recipient reward-units issuance step, wherein upon successful identification of the recipient, an electronic reward transaction is conducted without the recipient using any tokens such as plastic cards or man made portable memory devices such as smart cards, or magnetic stripe cards to receive the rewards units.
Claim 17
Dependent Claim
30 words
The method of claim 14 wherein the biometric sample comprises of one of the following: a fingerprint, a facial scan, a retinal image, an iris scan, and a voice print.
Claim 18
Independent Claim
138 words
A device for tokenless transaction of electronic reward-units transfer to a recipient using at least one recipient biometric sample, comprising; a. an electronic identicator for comparing the bid and registered biometric samples of a recipient of reward units, and for comparing the bid and registration identification data of an issuer of reward units; b. a party identification apparatus for submission of the recipient's biometric samples and the issuer's identification data; c. an electronic reward registry of reward units, having the reward-units disbursed to a recipients based upon the occurrence of predetermined criteria; d. a recipient rewards account for storage of accrued reward units; and e. an execution module for debiting and crediting the recipient reward account based upon the occurrence of predetermined criteria, wherein no man made tokens such as cards or smartcards are presented for the transaction.
Claim 19
Independent Claim
138 words
A device for tokenless transaction of electronic reward-units transfer to a recipient using at least one recipient biometric sample, comprising; a. an electronic identicator for comparing the bid and registered biometric samples of a recipient of reward units, and for comparing the bid and registration identification data of an issuer of reward units; b. a party identification apparatus for submission of the recipient's biometric samples and the issuer's identification data; c. an electronic reward registry of reward units, having the reward-units disbursed to a recipients based upon the occurrence of predetermined criteria; d. a recipient rewards account for storage of accrued reward units; and e. an execution module for debiting and crediting the recipient reward account based upon the occurrence of predetermined criteria, wherein no man made tokens such as cards or smartcards are presented for the transaction.
Claim 20
Dependent Claim
29 words
The device of claim 16 wherein the recipient registers a recipient personal identification number with the electronic identicator, which is used by the electronic identicator to identify the recipient.
Claim 21
Dependent Claim
17 words
The device of claim 16 further comprising a rule registry module containing predetermined reward units disbursement instructions.
Claim 22
Dependent Claim
20 words
The device of claim 16 further comprising a recipient electronic registry, wherein reward accounts from multiple users are stored within.
Claim 23
Dependent Claim
19 words
The device of claim 19, further comprising a demographics data base, wherein volunteered information of the recipient is maintained.
References Cited (Backward Citations)
US4998279A
Cited
US4995086A
Cited
US5036461A
Cited
US5325442A
Cited
US5230025A
Cited
US5210588A
Cited
US5229764A
Cited
US5222152A
Cited
US5321242A
Cited
US5335288A
Cited
US5280527A
Cited
US5351303A
Cited
US5343529A
Cited
USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-03 | 2003-07-05 | 2004-01-04 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-03 | 2007-07-05 | 2008-01-04 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-03 | 2011-07-05 | 2012-01-04 | $7700.00 | Window Closed / Lapsed |