Indivos Corporation

Open Invention Network LLC

Yt Acquisition Corporation

Smarttouch, Inc.

Other

Open Innovation Network LLC

Philip Dean Lapsley

Ned Hoffman

Jonathan Alexander Lee

David Ferrin Pare, Jr

Michael W Kleeman

Philip J Gioia

Tennille V Goff

Daniel J Corwin

Dave Ferrin Pare, Jr

Tokenless biometric authorization of transaction between a consumer and a merchant uses an identicator and an access device. A consumer registers with the identicator a biometric sample taken from the consumer. The consumer and merchant establish communications via the access device. The merchant proposes a transaction to the consumer via the access device. The access device communicates to the merchant associated with the access device. After the consumer and merchant have agreed on the transaction, the consumer and the identicator use the access device to establish communications. The access device communicates to the identicator the code associated with the access device. The identicator compares biometric sample from the consumer with registered biometric sample. Upon successful identification, the identicator forwards information regarding the consumer to the merchant. These steps accomplish a biometrically authorized electronic financial transaction without the consumer having to present any personalized man-made memory tokens.

Biometric financial transaction system and method

A system for enabling identity verification of an individual in a transaction between the individual and an entity that utilizes a data processing system, an entity device, and an individual device. The individual registers with the data processing system biometric data taken from the individual and data pertaining to an individual device. The entity registers with the data processing system entity identifying information. Once the individual and entity agree on a transaction, the entity notifies the data processing system of the pending transaction and requests verification of the individual's identity. The individual communicates to the data processing system individual biometric data. The data processing system compares the biometric data from the individual with registered biometric data. The data processing system forwards a result of the comparison to the entity and upon a successful comparison, may forward any requested information regarding the individual to the entity.

Biometric transaction system and method

Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user.

System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

A method and device enables tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and a one payor bid biometric sample. The payor registers with a registration biometric sample, and a payor financial account identifier. The payee registers a payee identification data with the electronic identicator. A payee bid identification data and a payor bid biometric sample are electronically forwarded to the identicator. The bid biometric sample is compared with registered biometric samples and the payee's bid identification data is compared with a payee's registered identification data for a successful or failed identifications of the payor and payee. If the identicator successfully identifies the payor and payee, the identicator electronically forwards a payor financial account identifier to the payee. An electronic financial transaction is then formed comprising a transaction amount and a payor financial account identifier.

Tokenless biometric electronic financial transactions via a third party identicator

The present invention shows a method and a device system for tokenless authorization of commercial transactions between a user and a seller. The user registers at least one registration biometric sample, and at least one user financial account. The seller registers with the computer system at least one seller financial account. The seller offers a proposed commercial transaction to the user, which includes price information. The user accepts the seller's proposed commercial transaction by adding to the proposed commercial transaction the user's personal authentication information. The bid biometric sample is forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples. Upon successful match, a financial account of the user is debited and a financial account of the seller is credited, wherein a commercial transaction is conducted without the user having to use any portable man-made memory devices such as smartcards or swipe cards.

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Oakland, CA, United States of America

Philip Dean Lapsley