Tokenless biometric electric check transaction

US6230148A · kind A · utility

Assignee

• Veristar Corporation · US

Inventors

• David Ferrin Pare, Jr. · Berkeley, US
• Ned Hoffman · Sebastopol, US
• Jonathan Alexander Lee · Berkeley, US

Key dates

• Filing date: Jan 29, 1999
• Grant date: May 8, 2001
• Expiry date: Jan 29, 2019

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2463/102
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample is described. The method comprises a payor registration step, wherein the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor checking account. In a payee registration step, the payee registers a payee identification data with the electronic third party identicator. An electronic financial transaction is formed between the payor and the payee, comprising payee bid identification data, a transaction amount, and at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person, in a transaction formation step. Preferably in one transmission step the payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the third party electronic identicator. A comparator engine or the identification module of the third party identiticator compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed…