The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 19, 2009
Filed:
Apr. 18, 2005
Philip D. Lapsley, Oakland, CA (US);
Jonathan Alexander Lee, Oakland, CA (US);
David Ferrin Pare, Jr., Berkeley, CA (US);
Ned Hoffman, Sebastopol, CA (US);
Philip D. Lapsley, Oakland, CA (US);
Jonathan Alexander Lee, Oakland, CA (US);
David Ferrin Pare, Jr., Berkeley, CA (US);
Ned Hoffman, Sebastopol, CA (US);
YT Acquisition Corporation, Delray Beach, FL (US);
Abstract
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.