초록 ▼

A method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. A transaction is proposed by a seller, and the buyer signals his acceptance by entering his personal authentication information comprising a PIN and at least one biometric

A method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. A transaction is proposed by a seller, and the buyer signals his acceptance by entering his personal authentication information comprising a PIN and at least one biometric sample, forming a commercial transaction message. The commercial transaction message is forwarded to the computer system, where the computer system compares the personal authentication information in the commercial transaction message with previously registered buyer biometric samples. If the computer system successfully identifies the buyer, a financial account of the buyer is debited and a financial account of the seller is credited, and the results of the transaction are presented to both buyer and seller. As a result of the invention, a buyer can conduct commercial transactions without having to use any tokens such as portable man-made memory devices such as smartcards or swipe cards. The invention allows buyers to quickly select one of a group of different financial accounts from which to transfer funds. The invention further indicates to the user that the authentic computer system was accessed by the use of a private code that is returned to the buyer after the identification is complete. The invention additionally permits an authorized buyer to alert authorities in the event of an emergency, such as when a transaction is coerced.

대표청구항 ▼

[ What is claimed is:] [1.] A method for tokenless authorization of commercial transactions between a buyer and a seller using a computer system, the method comprising the steps of:a. a buyer registration step, wherein the buyer registers with the computer system a PIN, at least one registration bio

[ What is claimed is:] [1.] A method for tokenless authorization of commercial transactions between a buyer and a seller using a computer system, the method comprising the steps of:a. a buyer registration step, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account;b. a seller registration step, wherein the seller registers with the computer system at least one seller financial account and a seller identification code;c. a proposal step, wherein the seller offers a proposed commercial transaction to the buyer, the proposed commercial transaction comprising a seller identification code and price information;d. an acceptance step, wherein the buyer signals acceptance of the seller's proposed commercial transaction by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample wherein the bid biometric sample is obtained by the system from the buyer's person, to form a commercial transaction message;e. a transmission step, wherein the commercial transaction message is forwarded to the computer system;f. a buyer identification step, wherein the computer system compares the personal authentication information in the commercial transaction message with registration biometric samples for producing either a successful or failed identification of the buyer;g. a payment step, wherein upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, wherein a commercial transaction is conducted without the buyer having to use any portable man made memory devices such as smart cards or swipe cards; andh. a presentation step, wherein any combination of the results of steps a) through g) are presented to the buyer or seller.