Patent US6662166B2 successfully refreshed from Google Patents.
US6662166B2
Expired / Lapsed
US
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Tokenless biometric electronic debit and credit transactions
Assignee: Open Invention Network LLC
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Filing: 2001-06-11
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Granted: 2003-12-09
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Expires: 2021-06-11
Abstract
Abstract A method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample. The method comprises a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, and at least one payor credit/debit account. An electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person, in a transaction formation step. The payor bid biometric sample is electronically forwarded to the electronic identicator. A comparator engine compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor. Once the device successfully identifies the payor, the payor's previously registered credit/debit account data is retrieved and a biometric-based authorization of an electronic payment is issued without the payor presenting any personalized man-made tokens such as magnetic swipe cards or smartcards to transfer funds from the payor's financial credit/debit account to a payee financial account.
Inventors
- 👤 David Ferrin Pare, Jr.
- 👤 Ned Hoffman
- 👤 Jonathan Alexander Lee
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 14:38
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; G06Q20/085; G06Q20/0855; G06Q20/10; G06Q20/108; G06Q20/12; G06Q20/18; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/36; G06Q20/367; G06Q20/3674; G06Q20/38; G06Q20/382; G06Q20/3821; G06Q20/40; G06Q20/401; G06Q20/4012; G06Q20/4014; G06Q20/40145; G06Q20/409; G06Q20/4097; G06Q30/00; G06Q30/02; G06Q40/00; 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; G07F9/00; G07F9/002; H04L63/0428; H04L63/0442; H04L63/08; H04L63/083; H04L63/0861; H04L63/12; H04L63/123; G06F2211/00; G06F2211/007; G06F2211/008; G06F2221/00; G06F2221/21; G06F2221/2117; H04L2463/00; H04L2463/102
Claims Analysis
Total Claims: 38
Claim 1
Independent Claim
265 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample and at least one payor credit/debit account data, and assigns an account index code to each payor credit/debit account data; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. an, account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; f. a transaction acceptance step in which the payor approves the transaction, during which the user adds the account index code to the financial transaction, wherein the account index code further comprises one or more alphanumeric characters; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data identified by the account index code without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 2
Independent Claim
265 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample and at least one payor credit/debit account data, and assigns an account index code to each payor credit/debit account data; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. an, account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; f. a transaction acceptance step in which the payor approves the transaction, during which the user adds the account index code to the financial transaction, wherein the account index code further comprises one or more alphanumeric characters; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data identified by the account index code without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 3
Dependent Claim
18 words
The method of claim 1 further comprising the inclusion of a transaction amount in the transaction formation step.
Claim 4
Dependent Claim
25 words
The method of claim 1 further comprising a display step, in which the payor's previously registered credit/debit account data is electronically displayed to the payor.
Claim 5
Dependent Claim
27 words
The method of claim 1 further comprising a forwarding step, in which the payor's previously registered credit/debit account data is electronically forwarded to a financial transaction processor.
Claim 6
Dependent Claim
16 words
The method of claim 1 in which the electronic identicator is operated by a third party.
Claim 7
Dependent Claim
22 words
The method of claim 1 wherein the payor registration step further comprises registering a payor personal identification number with the electronic identicator.
Claim 8
Dependent Claim
31 words
The method of claim 2 further comprising a payor resource determination step, wherein it is determined if the payor's credit/debit account has sufficient resources to be debited for the transaction amount.
Claim 9
Dependent Claim
59 words
The method of claim 1 further comprising a payor account selection step, wherein after the payor has been successfully identified in the payor identification step, the tokenless authorization system presents at least one credit/debit account which was registered by the payor with the tokenless authorization system for selection of one of the credit/debit accounts by the payor for debiting.
Claim 10
Dependent Claim
22 words
The method of claim 2 further comprising a transaction payment step, wherein the transaction amount is debited from a payor's credit/debit account.
Claim 11
Dependent Claim
17 words
The method of claim 9 , wherein the transaction amount is credited to the payee's financial account.
Claim 12
Dependent Claim
24 words
The method of claim 7 wherein the payor resource determination step further comprises the tokenless authorization system communicating with at least one external computer.
Claim 13
Dependent Claim
23 words
The method of claim 9 wherein the transaction payment step further comprises the tokenless authorization system communicating with at least one external computer.
Claim 14
Dependent Claim
31 words
The method of claim 2 wherein the transaction amount comprises price information, a list of goods and services, a payee name, a date or time, a location, or an invoice number.
Claim 15
Dependent Claim
18 words
The method of claim 1 further comprising a transaction acceptance step in which the payor approves the transaction.
Claim 16
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 17
Independent Claim
258 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of: a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, at least one payor credit/debit account data, and a payor private code with the electronic identicator, which is distinct from a personal identification number and not used in the payor identification step; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. a display step, wherein the private code is displayed to the payor to validate that the authentic electronic identicator has processed the transaction; f. an account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 18
Independent Claim
258 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of: a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, at least one payor credit/debit account data, and a payor private code with the electronic identicator, which is distinct from a personal identification number and not used in the payor identification step; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. a display step, wherein the private code is displayed to the payor to validate that the authentic electronic identicator has processed the transaction; f. an account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 19
Independent Claim
251 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of: a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, and at least one payor credit/debit account data; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. an account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; f. a payor re-registration step, wherein a 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 payor has re-registered with the tokenless authorization system; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 20
Independent Claim
251 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of: a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, and at least one payor credit/debit account data; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. an account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; f. a payor re-registration step, wherein a 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 payor has re-registered with the tokenless authorization system; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 21
Independent Claim
245 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of: a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, at least one payor credit/debit account data, and a payor personal identification number with the electronic identicator; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. an account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; f. a biometric theft resolution step, wherein the payor's personal identification number is changed whenever the payor's biometric sample is determined to have been fraudulently duplicated; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 22
Independent Claim
245 words
A method for tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of: a. a payor registration step, wherein the payor registers with an electronic identicator at least one registration biometric sample, at least one payor credit/debit account data, and a payor personal identification number with the electronic identicator; b. a transaction formation step, wherein an electronic financial transaction is formed between the payor and the payee, comprising at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person; c. at least one transmission step, wherein the payor bid biometric sample is electronically forwarded to the electronic identicator; d. a payor identification step, wherein the electronic identicator compares the payor bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor; e. an account retrieval step, wherein the payor's previously registered credit/debit account data is retrieved; f. a biometric theft resolution step, wherein the payor's personal identification number is changed whenever the payor's biometric sample is determined to have been fraudulently duplicated; wherein upon successful identification of the payor, a biometric-based authorization of an electronic payment is authorized using the payor's previously registered credit/debit account data without the payor presenting smartcards or magnetic swipe cards to transfer funds from the payor's credit/debit account to a payee financial account.
Claim 23
Dependent Claim
203 words
A tokenless electronic payment authorization device for transferring funds from a payor credit/debit account to a payee financial account, said device comprising: a. a computer data processing center further comprising data bases wherein the payor registers a registration biometric sample; b. a party identification apparatus having a biometric sensor for input of a biometric sample; c. communication lines for transmission of a registration and bid biometric sample obtained by the party identification apparatus from the payor's person to the data processing center; d. a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; and e. an execution module for authorizing transfer of a transaction amount from the payor credit/debit account to the payee financial account upon successful identification of the payor, wherein no man made memory devices such as a credit/debit card, smartcard or a paper check is used by the payor to conduct the financial transaction; wherein a subset of the payor registration biometric samples are stored in a payor re-registration database, which the comparator engine compares a payor's registration biometric samples to, wherein if a match occurs, the authorization system is alerted to the fact that the payor has re-registered with the tokenless authorization system.
Claim 24
Dependent Claim
203 words
A tokenless electronic payment authorization device for transferring funds from a payor credit/debit account to a payee financial account, said device comprising: a. a computer data processing center further comprising data bases wherein the payor registers a registration biometric sample; b. a party identification apparatus having a biometric sensor for input of a biometric sample; c. communication lines for transmission of a registration and bid biometric sample obtained by the party identification apparatus from the payor's person to the data processing center; d. a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; and e. an execution module for authorizing transfer of a transaction amount from the payor credit/debit account to the payee financial account upon successful identification of the payor, wherein no man made memory devices such as a credit/debit card, smartcard or a paper check is used by the payor to conduct the financial transaction; wherein a subset of the payor registration biometric samples are stored in a payor re-registration database, which the comparator engine compares a payor's registration biometric samples to, wherein if a match occurs, the authorization system is alerted to the fact that the payor has re-registered with the tokenless authorization system.
Claim 25
Dependent Claim
19 words
The authorization device of claim 19 wherein the payor registration biometric sample is associated with a personal identification number.
Claim 26
Dependent Claim
26 words
The authorization device of claim 19 wherein the execution module determines if the payor's credit/debit account has sufficient resources to be debited for the transaction amount.
Claim 27
Dependent Claim
52 words
The authorization device of claim 19 further comprising an account selector module, wherein after the payor has been successfully identified, the authorization device presents at least one credit/debit account which was registered by the payor with the authorization device for selection of one of the credit/debit accounts by the payor for debiting.
Claim 28
Dependent Claim
19 words
The authorization device of claim 19 wherein the execution module debits the transaction amount from a payor's credit/debit account.
Claim 29
Dependent Claim
20 words
The authorization device of claim 23 , wherein the execution module credits the transaction amount to the payee's financial account.
Claim 30
Dependent Claim
17 words
The authorization device of claim 19 further comprising a display means for displaying information to the payor.
Claim 31
Dependent Claim
14 words
The authorization device of claim 25 wherein the display means is a point-of-sale terminal.
Claim 32
Dependent Claim
15 words
The authorization device of claim 25 wherein the display means is a party identification apparatus.
Claim 33
Dependent Claim
17 words
The authorization device of claim 19 wherein the execution module is not co-located with the electronic identicator.
Claim 34
Dependent Claim
25 words
The authorization device of claim 19 wherein the execution module is operated by a third party and communicates with the electronic identicator via communication lines.
Claim 35
Dependent Claim
18 words
The authorization device of claim 19 wherein the execution module consists of communicating with a financial transaction processor.
Claim 36
Dependent Claim
16 words
The authorization device of claim 19 wherein the electronic identicator is operated by a third party.
Claim 37
Dependent Claim
211 words
A tokenless electronic payment authorization device for transferring funds from a payor credit/debit account to a payee financial account, said device comprising: a. a computer data processing center further comprising data bases wherein the payor registers a registration biometric sample; b. a party identification apparatus having a biometric sensor for input of a biometric sample and an associated display; c. communication lines for transmission of a registration and bid biometric sample obtained by the party identification apparatus from the payor's person to the data processing center; d. a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; e. an execution module for authorizing transfer of a transaction amount from the payor credit/debit account to the payee financial account upon successful identification of the payor, wherein no credit/debit card, smartcard or paper check is used by the payor to conduct the financial transaction; and f. an authorization device identification means wherein the payor registers a private code with the authorization device, which is distinct from a personal identification number and not used to identify the payor, wherein the private code is displayed to the payor on the display associated with the party identification apparatus to validate that the authentic authorization device has processed the financial transaction.
Claim 38
Dependent Claim
211 words
A tokenless electronic payment authorization device for transferring funds from a payor credit/debit account to a payee financial account, said device comprising: a. a computer data processing center further comprising data bases wherein the payor registers a registration biometric sample; b. a party identification apparatus having a biometric sensor for input of a biometric sample and an associated display; c. communication lines for transmission of a registration and bid biometric sample obtained by the party identification apparatus from the payor's person to the data processing center; d. a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; e. an execution module for authorizing transfer of a transaction amount from the payor credit/debit account to the payee financial account upon successful identification of the payor, wherein no credit/debit card, smartcard or paper check is used by the payor to conduct the financial transaction; and f. an authorization device identification means wherein the payor registers a private code with the authorization device, which is distinct from a personal identification number and not used to identify the payor, wherein the private code is displayed to the payor on the display associated with the party identification apparatus to validate that the authentic authorization device has processed the financial transaction.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2006-12-08 | 2007-06-09 | 2007-12-09 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2010-12-08 | 2011-06-09 | 2011-12-09 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2014-12-08 | 2015-06-09 | 2015-12-09 | $7700.00 | Window Closed / Lapsed |