US7505941B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Methods and apparatus for conducting electronic transactions using biometrics
Assignee: Liberty Peak Ventures LLC
•
Filing: 2005-05-11
•
Granted: 2009-03-17
•
Expires: 2025-05-11
Abstract
Abstract A system and method for facilitating electronic transactions using a biometric are disclosed. The system for facilitating electronic transactions using a biometric comprises a smartcard-reader transaction system. The method comprises determining if a transaction violates an established rule, such as a preset spending limit. The method also comprises notifying a user to proffer a biometric sample in order to verify the identity of said user, and detecting a proffered biometric at a sensor to obtain a proffered biometric sample. The method additionally comprises verifying the proffered biometric sample and authorizing a transaction to continue upon verification of the proffered biometric sample.
Inventors
- 👤 Fred Bishop
- 👤 David S Bonalle
- 👤 Glen Salow
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 13:33
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/0866; G06; G06Q; G06Q20/00; G06Q20/02; G06Q20/027; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/36; G06Q20/363; G06Q20/367; G06Q20/3674; G06Q20/38; G06Q20/382; G06Q20/40; G06Q20/409; G06Q20/4097; G07F7/10; G07F7/1008
Claims Analysis
Total Claims: 10
Claim 1
Independent Claim
183 words
A method for conducting a transaction in a transaction system, the method comprising: receiving a transaction request from a user, said user proffering a transaction instrument to facilitate said transaction request; issuing a challenge to said user; receiving a response from said user based upon said challenge; receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said transaction system to initiate verification of said biometric sample; processing said response to verify said transaction instrument and said biometric sample to verify said user and to provide access to a transaction service; assembling credentials for said transaction at a server to create assembled credentials, said assembled credentials comprising at least one key; providing at least a portion of said assembled credentials to said user; receiving a second request from said user at said server, said second request comprising said portion of said assembled credentials provided to said user; and validating, at said server, said portion of said assembled credentials provided to said user with said key of said assembled credentials to provide access to said transaction service.
Claim 2
Independent Claim
183 words
A method for conducting a transaction in a transaction system, the method comprising: receiving a transaction request from a user, said user proffering a transaction instrument to facilitate said transaction request; issuing a challenge to said user; receiving a response from said user based upon said challenge; receiving a biometric at a biometric sensor to create a biometric sample, said biometric sensor communicating with said transaction system to initiate verification of said biometric sample; processing said response to verify said transaction instrument and said biometric sample to verify said user and to provide access to a transaction service; assembling credentials for said transaction at a server to create assembled credentials, said assembled credentials comprising at least one key; providing at least a portion of said assembled credentials to said user; receiving a second request from said user at said server, said second request comprising said portion of said assembled credentials provided to said user; and validating, at said server, said portion of said assembled credentials provided to said user with said key of said assembled credentials to provide access to said transaction service.
Claim 3
Dependent Claim
14 words
The method of claim 1 , wherein said transaction is an electronic purchase transaction.
Claim 4
Dependent Claim
21 words
The method of claim 1 , wherein said step of processing said response comprises processing said response to verify a smartcard.
Claim 5
Dependent Claim
32 words
The method of claim 1 , wherein said step of receiving said biometric further comprises receiving a registration of at least one biometric sample, wherein said registration comprises a proffered biometric sample.
Claim 6
Dependent Claim
41 words
The method of claim 4 , wherein said step of receiving said registration further comprises processing database information contained in at least one of a smartcard, smartcard reader, said biometric sensor, a remote server, a merchant server and a smartcard system.
Claim 7
Dependent Claim
25 words
The method of claim 4 , wherein said step of receiving said registration further comprises comparing said proffered biometric sample with a stored biometric sample.
Claim 8
Dependent Claim
38 words
The method of claim 6 , wherein said step of comparing further comprises comparing said proffered biometric sample to said stored biometric sample by using at least one of a third-party security vendor device and a local CPU.
Claim 9
Dependent Claim
27 words
The method of claim 1 , wherein said step of receiving said biometric further comprises at least one of detecting, processing and storing a second biometric sample.
Claim 10
Dependent Claim
24 words
The method of claim 1 , wherein said step of receiving said biometric further comprises the use of at least one secondary security procedure.
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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) | 2012-03-16 | 2012-09-15 | 2013-03-17 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2016-03-16 | 2016-09-15 | 2017-03-17 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2020-03-16 | 2020-09-15 | 2021-03-17 | $7700.00 | Window Closed / Lapsed |