Tokenless biometric electronic check transactions

US6581042B2 · kind B2 · utility

Assignee

• Indivos Corporation · US

Inventors

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

Key dates

• Filing date: May 3, 2001
• Grant date: Jun 17, 2003
• Expiry date: Jun 18, 2021

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 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 data. 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. Preferably in one transmission step the payor bid biometric sample is electronically forwarded to the electronic identicator. A comparator engine or the identification module of the electronic identicator 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 electronic identicator successfully identifies the payor, the payor's previously registered checking account data is retrieved, and a biometric-based authorization of an electronic check is authorized without the payor pres…