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Tokenless identification system for autorization of electronic transactions and electronic transmissions

A technology for identifying codes and special codes, applied in the direction of transmission systems, coin-operated equipment for distributing discrete items, coin-operated equipment for distributing discrete items, etc., to reduce paper work, reduce memory and energy, The effect of saving time and money

Inactive Publication Date: 2004-06-02
INDIVOS CORPN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0028] Such a system must be simple to operate, precise and reliable

Method used

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  • Tokenless identification system for autorization of electronic transactions and electronic transmissions
  • Tokenless identification system for autorization of electronic transactions and electronic transmissions
  • Tokenless identification system for autorization of electronic transactions and electronic transmissions

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Embodiment Construction

[0119] As stated above, the main object of the present invention is a tokenless, private, reliable, secure and reconcilable device and method that can accommodate a large number of users for the identification of individuals for commercial or non-financial transactions. The essence of the present invention is that customers have the ability to conduct these transactions without using any tokens, credit cards, tokens or identification cards (including driver's licenses). To be practical, it is important that the system work at the speed required to complete financial transactions such as credit card purchases and ATM services from multiple banks and multiple credit card accounts. The system must also be secure, and the personal records of customers and their biometric data must be kept confidential, both within the computer systems that identify and authorize transactions, and during data transfer between computer systems that communicate with the computer systems and remote sta...

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PUM

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Abstract

A tokenless identification system and method for authorization of transactions and transmissions. The tokenless system and method are principally based on a correlative comparison of a unique biometrics sample, such as a finger print or voice recording, gathered directly from the person of an unknown user, with an authenticated biometrics sample of the same type obtained and stored previously. It can be networked to act as a full or partial intermediary between other independent computer systems, or may be the sole computer systems carrying out all necessary executions. It further contemplates the use of a private code that is returned to the user after the identification has been complete, authenticating and indicating to the user that the computer system was accessed. The identification system and method of additionally include emergency notification to permit an authorized user to alert authorities an access attempt is coerced.

Description

technical field [0001] This application is a continuation-in-part of US Patent Application Serial No. 08 / 345,523, filed November 28, 1994, which is incorporated herein by reference. Background technique [0002] Tokens (vouchers) and credit cards are popular in today's metal world. A token is any inanimate object awarded to an individual. The object confers an ability on the individual presenting the object. Each metal account is remotely accessed by using a token or a piece of plastic. Whether buying groceries with a debit card or consumer items with a credit card, at the heart of the transaction is the exchange of funds enabled by a token that identifies an individual and the financial account they access. [0003] The reason for switching from metal coins to plastic cards is simple and straightforward: accessing currency in money transfer systems is far safer for both merchants and consumers than using large quantities of coins and notes. [0004] Unfortunately, the t...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F1/00G06F21/32G06Q20/00G06Q20/02G06Q20/04G06Q20/10G06Q20/12G06Q20/18G06Q20/34G06Q20/40G06Q30/02G06T7/00G06V10/772G07C9/00G07F7/10G10L15/00G10L15/28H04L29/06
CPCG07F19/201G06F21/86G07F7/1008H04L63/02G06F2211/008G06F2221/2117G06Q20/00G06Q20/04G06Q20/02G06K9/00087H04L63/0861G06Q20/4097H04L63/0428G06F21/83G06Q20/4014H04L63/04H04L2463/102G06Q20/18G06Q20/10G06Q20/341G06Q20/12G07F11/002G06K9/6255G06Q30/02G06F21/32G07F7/10G06Q20/40145G07F19/207G06F21/554G07C9/00158G07C2209/14G07C9/37G07F9/002G06V40/1365G06V10/772G06F18/28
Inventor 尼德·霍夫曼戴维·F·佩尔乔纳塞恩·A·李
Owner INDIVOS CORPN
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