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1. 发明授权

US07536352B2 Tokenless biometric electronic financial transactions via a third party identicator 有权
标题翻译：通过第三方识别器进行无记忆的生物识别电子金融交易
公开(公告)号：US07536352B2
公开(公告)日：2009-05-19
申请号：US11109096
申请日：2005-04-18
申请人： Philip D. Lapsley , Jonathan Alexander Lee , David Ferrin Pare, Jr. , Ned Hoffman
发明人： Philip D. Lapsley , Jonathan Alexander Lee , David Ferrin Pare, Jr. , Ned Hoffman
IPC分类号： G06Q40/00
CPC分类号： H04L63/04 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G06Q40/00 , G07C9/00134 , G07C9/00158 , G07F7/1008 , G07F11/002 , G07F19/201 , G07F19/207 , H04L63/0428 , H04L63/0442 , H04L63/083 , H04L63/0861 , H04L63/123 , H04L2463/102
摘要： 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.
摘要翻译：一种方法和装置使得能够使用电子识别器和一个付费者投标生物特征样本对付款人和收款人之间的电子支付进行无凭证授权。付款人注册注册生物特征样本和付款人金融帐户标识。收款人向电子识别器注册收款人识别数据。收款人出价识别数据和付款人出价生物特征样本以电子方式转发给识别者。将投标生物特征样本与注册的生物特征样本进行比较，并将收款人的投标标识数据与收款人的注册识别数据进行比较，以确定付款人和收款人的成功或失败的标识。如果识别者成功识别付款人和收款人，则身份识别者将付款人金融帐户标识符电子转帐给收款人。然后形成包括交易金额和支付者金融账户标识符的电子金融交易。

2. 发明授权

US07248719B2 Tokenless electronic transaction system 有权
标题翻译：无记号电子交易系统
公开(公告)号：US07248719B2
公开(公告)日：2007-07-24
申请号：US11245624
申请日：2005-10-07
申请人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
发明人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
IPC分类号： G06K9/00
CPC分类号： G06Q20/40 , G06Q20/12 , G06Q20/401 , G06Q20/4014 , G07C9/00158 , G07C9/00166 , H04L9/3226 , H04L9/3231 , H04L63/0861 , H04L2209/56
摘要： The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.
摘要翻译：所描述的发明提供了一种用于使用计算机系统在买方和卖方之间进行商业交易的无标记授权的方法和系统。该方法包括登记买方的步骤，其中买方向计算机系统注册PIN，至少一个注册生物特征样本和至少一个购买者金融账户。该方法还包括卖家注册步骤，其中卖方向计算机系统注册至少一个卖家金融账户。在提案步骤中，卖方向买方提供通常包括价格信息的商业交易。如果买方接受卖方的建议，在接受步骤中，买方通过向买方提供买方的个人认证信息，包括PIN和至少一个从买方获得的投标生物特征样本，向买方发出接受信号。在传输步骤中，投标生物特征样本和PIN被转发到计算机系统。计算机系统将出价生物特征样本与注册生物特征样本进行比较，以在买方识别步骤中生成买方的成功或失败的标识。在确定足够的资源后，买方的财务账户被扣除，并在付款步骤中记入卖方的财务帐户。因此，商业交易是在买方不必使用智能卡或刷卡等便携式人造记忆装置的情况下进行的。

3. 发明授权

US06950810B2 Tokenless biometric electronic financial transactions via a third party identicator 失效
标题翻译：通过第三方识别器进行无记忆的生物识别电子金融交易
公开(公告)号：US06950810B2
公开(公告)日：2005-09-27
申请号：US09731536
申请日：2000-12-06
申请人： Philip D. Lapsley , Jonathan Alexander Lee , David Ferrin Pare, Jr. , Ned Hoffman
发明人： Philip D. Lapsley , Jonathan Alexander Lee , David Ferrin Pare, Jr. , Ned Hoffman
IPC分类号： G06F1/00 , G06F21/00 , G06K9/00 , G06K9/62 , G06Q20/00 , G07C9/00 , G07F7/10 , H04K1/00 , H04L9/00 , H04L29/06 , G06F17/60
CPC分类号： H04L63/04 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/0855 , G06Q20/10 , G06Q20/102 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/367 , G06Q20/3674 , G06Q20/382 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G06Q40/00 , G07C9/00134 , G07C9/00158 , G07F7/1008 , G07F11/002 , G07F19/201 , G07F19/207 , H04L63/0428 , H04L63/0442 , H04L63/083 , H04L63/0861 , H04L63/123 , H04L2463/102
摘要： The invention provides a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample. In a payor registration step, the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor financial account identifier. The payee registers a payee identification data with the electronic third party identicator. A payee bid identification data and a payor bid biometric sample collected from the payor's person are electronically forwarded to the third party electronic identicator. A comparator engine compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor. The comparator engine also compares the payee's bid identification data with a payee's registered identification data for producing either a successful or failed identification of the payee. Once the electronic third-party identicator successfully identifies the payor and payee, the identicator electronically forwards at least one payor financial account identifier to the payee. An electronic financial transaction is then formed between the payor and payee, comprising a transaction amount and a payor financial account identifier. This transaction is then electronically forwarded to a financial transaction processor for authorization.
摘要翻译：本发明提供一种用于使用电子第三方标识符和至少一个付费者出价生物特征样本在付款人和收款人之间进行电子支付的无凭证授权的方法和装置。在付款人注册步骤中，付款人向电子第三方识别器注册至少一个注册生物特征样本，以及至少一个支付者金融账户标识符。收款人向电子第三方识别者注册收款人识别数据。收款人出价识别数据和从付款人收集的付款人投标生物特征样本被电子转发给第三方电子识别器。比较引擎将投标生物特征样本与至少一个注册的生物特征样本进行比较，以产生付款人的成功或失败的标识。比较引擎还将收款人的出价识别数据与收款人的注册识别数据进行比较，以生成收款人的成功或失败的标识。一旦电子第三方识别器成功识别付款人和收款人，则身份认证者将至少一个付款人金融帐户标识符电子转发给收款人。然后在付款人和收款人之间形成电子金融交易，包括交易金额和支付人金融帐户标识符。然后将该交易电子转发到金融交易处理器进行授权。

4. 发明授权

US6012039A Tokenless biometric electronic rewards system 有权
标题翻译：令牌无生物识别电子奖励制度
公开(公告)号：US6012039A
公开(公告)日：2000-01-04
申请号：US244784
申请日：1999-02-05
申请人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
发明人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
IPC分类号： G01F19/00 , G06F1/00 , G06F21/00 , G06F21/20 , G06K9/00 , G06K9/62 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/34 , G06Q20/38 , G06Q20/40 , G06Q30/02 , G07C9/00 , G07F7/10 , H04L29/06 , G06F17/60
CPC分类号： H04L63/04 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/3821 , G06Q20/40 , G06Q20/401 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G06Q30/0225 , G06Q30/0236 , G07C9/00134 , G07C9/00158 , G07F19/201 , G07F19/207 , G07F7/1008 , H04L63/0861 , G06F2211/008 , G06F2221/2117 , H04L2463/102 , H04L63/0428
摘要： The method of the invention includes a tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, the method comprising the following steps. A recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample. An issuer registration step, wherein the issuer registers identification data with the electronic identicator. During a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, the bid biometric sample is obtained from the issuer's person. In at least one transmission step, the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator. In a recipient identification step, 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 recipient. In an issuer identification step, the electronic identicator compares the issuer's bid identification data with an issuer's registered identification data for producing either a successful or failed identification of the issuer. Thereby, upon successful identification of the recipient and issuer, a reward transaction is authorized for debit or credit settlement of reward units from the recipient's rewards account, without the recipient presenting any personalized man-made tokens such as smartcards or magnetic swipe cards.
摘要翻译：本发明的方法包括使用电子识别器和至少一个接收者投标生物特征样本的发行者和接收者之间的奖励交易的无标记授权，该方法包括以下步骤。接收者注册步骤，其中接收者向电子标识符注册至少一个注册生物特征样本。一种发行者注册步骤，其中发行者向电子识别器登记识别数据。在交易形成步骤中，其中在发行者和接收者之间形成电子回报交易，包括发行者投标识别数据，交易数据和至少一个接收者投标生物特征样本，从发行人的人获得投标生物特征样本。在至少一个发送步骤中，发行人出价标识数据，交易数据和接收者投标生物特征样本被电子地转发给电子标识符。在接收者识别步骤中，电子识别器将投标生物特征样本与至少一个注册的生物特征样本进行比较，以产生接收者的成功或失败的标识。在发行者识别步骤中，电子识别器将发行人的出价识别数据与发行人的注册识别数据进行比较，以产生发行人的成功或失败的标识。因此，在成功识别接收者和发行者之后，奖励交易被授权用于来自收件人的奖励帐户的奖励单元的借方或信用结算，而没有接收方呈现任何个性化的人造令牌，例如智能卡或磁刷卡。

5. 发明授权

US5805719A Tokenless identification of individuals 失效
标题翻译：个人身份识别
公开(公告)号：US5805719A
公开(公告)日：1998-09-08
申请号：US820008
申请日：1997-03-18
申请人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
发明人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
IPC分类号： G06F1/00 , G06F21/00 , G06K9/00 , G06K9/62 , G06Q20/00 , G07C9/00 , G07F7/10 , H04L29/06
CPC分类号： G07F11/002 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G07C9/00158 , G07F19/201 , G07F19/207 , G07F7/10 , G07F7/1008 , H04L63/02 , H04L63/04 , H04L63/0861 , G06F2211/008 , G06F2221/2117 , G07C2209/14 , H04L2463/102 , H04L63/0428
摘要： 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. The system 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. The system 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 additionally include emergency notification device to permit an authorized user to alert authorities an access attempt is coerced.
摘要翻译：用于授权交易和传输的无标识识别系统和方法。无标记系统和方法主要是基于直接从未知用户的人收集的独特生物特征样本（例如指纹或语音记录）与先前获得和存储的相同类型的认证生物特征样本的相关比较。该系统可以联网以作为其他独立计算机系统之间的全部或部分中介，或者可以是执行所有必要执行的唯一计算机系统。该系统还考虑使用在识别完成之后返回给用户的专用代码，认证并向用户指示计算机系统被访问。识别系统和方法还包括紧急通知装置，以允许授权用户警告当局强制进行访问尝试。

6. 发明授权

US5737439A Anti-fraud biometric scanner that accurately detects blood flow 失效
标题翻译：反欺诈生物识别扫描仪，准确检测血液流量
公开(公告)号：US5737439A
公开(公告)日：1998-04-07
申请号：US739313
申请日：1996-10-29
申请人： Philip Dean Lapsley , Jonathan Alexander Lee , David Ferrin Pare, Jr. , Ned Hoffman
发明人： Philip Dean Lapsley , Jonathan Alexander Lee , David Ferrin Pare, Jr. , Ned Hoffman
IPC分类号： A61B5/024 , A61B5/117 , G06K9/00 , G06K9/20 , G07C9/00 , H04L29/06
CPC分类号： G06K9/0012 , A61B5/02416 , G06K9/00899 , G06K9/2018 , G07C9/00158 , H04L63/0861 , A61B5/117
摘要： The invention discloses an anti-fraud biometric scanner that determines whether an object exhibits characteristics of blood flow consistent with that of a live human. The anti-fraud biometric scanner has biometric scanning means for obtaining a biometric sample from the object, blood flow detection means for determining whether the object exhibits characteristics of blood flow consistent with that of a live human, and deception detection means for determining if the object is attempting to deceive the blood flow detection means. The blood flow detection means comprises a first light source for illuminating the object, a photodetector for measuring light energy from the object, and computing means for controlling the first light source and processing output from the photodetector. The deception detection means provides means for detecting movement by the object in an attempt to deceptively simulate blood flow. The means for detecting movement uses the computing means and turns off the first light source, turns on a second light source, measures any time-varying light energy from the object, and, if the measured time-varying light energy is above a threshold, determines that fraud is occurring.
摘要翻译：本发明公开了一种防欺诈生物识别扫描器，其确定物体是否表现出与活人相一致的血流特征。防欺诈生物识别扫描器具有用于从物体获取生物测定样本的生物测定扫描装置，用于确定物体是否呈现与活人相一致的血流特征的血流检测装置，以及用于确定物体试图欺骗血流检测装置。血流检测装置包括用于照射物体的第一光源，用于测量来自物体的光能的光电检测器，以及用于控制第一光源和从光电检测器处理输出的计算装置。欺骗检测装置提供用于检测物体的移动以试图欺骗地模拟血液流动的装置。用于检测移动的装置使用计算装置并关闭第一光源，打开第二光源，测量来自物体的任何时变光能量，并且如果测得的时变光能量高于阈值，确定欺诈正在发生。

7. 发明授权

US06366682B1 Tokenless electronic transaction system 有权
标题翻译：无记号电子交易系统
公开(公告)号：US06366682B1
公开(公告)日：2002-04-02
申请号：US09183215
申请日：1998-10-30
申请人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
发明人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee
IPC分类号： G06K900
CPC分类号： G07C9/00142 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/26 , G06Q20/341 , G06Q20/401 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G06Q30/06 , G06Q40/04 , G07C9/00134 , G07C9/00158 , G07F7/1008 , G07F19/201 , G07F19/207 , H04L63/04 , H04L63/0428 , H04L63/0442 , H04L63/083 , H04L63/0861 , H04L63/12 , H04L2463/102
摘要： The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.
摘要翻译：所描述的发明提供了一种用于使用计算机系统在买方和卖方之间进行商业交易的无标记授权的方法和系统。该方法包括登记买方的步骤，其中买方向计算机系统注册PIN，至少一个注册生物特征样本和至少一个购买者金融账户。该方法还包括卖家注册步骤，其中卖方向计算机系统注册至少一个卖家金融账户。在提案步骤中，卖方向买方提供通常包括价格信息的商业交易。如果买方接受卖方的建议，在接受步骤中，买方通过向买方提供买方的个人认证信息，包括PIN和至少一个从买方获得的投标生物特征样本，向买方发出接受信号。在传输步骤中，投标生物特征样本和PIN被转发到计算机系统。计算机系统将出价生物特征样本与注册生物特征样本进行比较，以在买方识别步骤中生成买方的成功或失败的标识。在确定足够的资源后，买方的财务账户被扣除，并在付款步骤中记入卖方的财务帐户。因此，商业交易是在买方不必使用智能卡或刷卡等便携式人造记忆装置的情况下进行的。

8. 发明授权

US06192142B1 Tokenless biometric electronic stored value transactions 有权
标题翻译：无记忆生物识别电子存储值交易
公开(公告)号：US06192142B1
公开(公告)日：2001-02-20
申请号：US09243208
申请日：1999-02-02
申请人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
发明人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
IPC分类号： G06K900
CPC分类号： H04L63/04 , G01F19/005 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G07C9/00134 , G07C9/00158 , G07F7/1008 , G07F19/201 , G07F19/207 , H04L63/0428 , H04L63/083 , H04L63/0861 , H04L2463/102
摘要： The invention provides a method and device for tokenless authorization of a stored value transaction between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of registering with the electronic identicator at least one payor registration biometric sample, and at least one payor stored value account. During a payee registration step, the payee registers a payee identification data with the electronic identicator. In a transaction formation step, an electronic financial transaction is formed between the payor and the payee, which includes payee bid identification data, a transaction amount, and at least one payor bid biometric sample. The bid biometric sample is obtained from the payor's person. In at least one transmission step, the payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the electronic identicator. Payor identification occurs when 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. Furthermore, the electronic identicator compares the payee's bid identification data with a payee's registered identification data for producing either a successful or failed identification of the payee. Upon successful identification of the payor and payee, a stored value transaction is authorized without the payor presenting any man-made tokens such as a stored value card, smartcards, or magnetic swipe cards to debit the payor stored value account.
摘要翻译：本发明提供一种方法和装置，用于使用电子标识符和至少一个付款者投标生物特征样本对付款人和收款人之间的存储价值交易进行无标记授权，所述方法包括以下步骤：向电子识别器注册至少一个支付者登记生物特征样本和至少一个付款人储值帐户。在收款人注册步骤期间，收款人向电子识别器注册收款人识别数据。在交易形成步骤中，在付款人和收款人之间形成电子金融交易，其中包括收款人出价识别数据，交易金额和至少一个付款人投标生物特征样本。投标生物特征样本是从付款人那里获得的。在至少一个发送步骤中，收款人出价识别数据，交易金额和支付者出价生物特征样本被电子转发给电子识别器。当电子识别器将投标生物特征样本与至少一个注册的生物特征样本进行比较以产生付款人的成功或失败标识时，就会发生付款人识别。此外，电子识别器将收款人的投标标识数据与收款人的注册识别数据进行比较，以产生收款人的成功或失败的标识。成功识别付款人和收款人后，无需付款人出示诸如储值卡，智能卡或磁性刷卡之类的人造令牌，就可以授权存储价值交易从而向付款人储值账户扣款。

9. 发明授权

US5764789A Tokenless biometric ATM access system 失效
标题翻译：令牌无生物识别ATM接入系统
公开(公告)号：US5764789A
公开(公告)日：1998-06-09
申请号：US722629
申请日：1996-09-27
申请人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
发明人： David Ferrin Pare, Jr. , Ned Hoffman , Jonathan Alexander Lee
IPC分类号： G06F1/00 , G06F21/00 , G06K9/00 , G06K9/62 , G06Q20/00 , G07C9/00 , G07F7/10 , G07F19/00 , H04L29/06
CPC分类号： H04L63/02 , G06F21/32 , G06F21/554 , G06F21/83 , G06F21/86 , G06K9/00087 , G06K9/6255 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/341 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G07C9/00158 , G07F11/002 , G07F19/20 , G07F19/201 , G07F19/207 , G07F7/10 , G07F7/1008 , H04L63/04 , H04L63/0861 , G06F2211/008 , G06F2221/2117 , G07C2209/14 , H04L2463/102 , H04L63/0428
摘要： The system provides system and method for having a customer register with a computer system a PIN, one or more registration biometric samples, and one or more of the customer's financial accounts. During an initiation step, the customer initiates an account access at an ATM or a PC or any other financial access device, by entering the customer's personal authentication information comprising a PIN and at least one bid biometric sample. No portable man-made memory devices such as smartcards or swipe cards are used in this step. In a transmission step, an account access request message comprising the personal authentication information of the customer and other data are forwarded from the ATM to the computer system. After the computer system receives the personal authentication information in the account access request message, the personal authentication information is compared with the registration biometric samples to produce either a successful or failed identification of the customer in a customer identification step. Should such identification be successful, a financial account number of the customer is retrieved in a retrieval step. Finally, the customer is allowed to access the customer financial account after successful identification of the customer. As a result, a customer can access financial accounts without having to use any tokens such as portable man-made memory devices such as smartcards or swipe cards. This allows customers to quickly select one of a group of different financial accounts.
摘要翻译：该系统提供用于使客户向计算机系统注册PIN，一个或多个注册生物特征样本以及客户的一个或多个财务账户的系统和方法。在启动步骤期间，客户通过输入客户的个人认证信息，包括PIN和至少一个投标生物特征样本，在ATM或PC或任何其他财务访问设备上启动帐户访问。本步骤中不使用智能卡或刷卡等便携式人造记忆设备。在传输步骤中，包括客户的个人认证信息和其他数据的帐户访问请求消息从ATM转发到计算机系统。在计算机系统接收到帐户访问请求消息中的个人认证信息之后，将个人认证信息与注册生物特征样本进行比较，以在客户识别步骤中产生客户的成功或失败的标识。如果这种识别成功，则在检索步骤中检索客户的金融帐号。最后，客户在成功识别客户后可以访问客户的财务帐户。因此，客户可以访问财务帐户，而无需使用诸如智能卡或刷卡之类的便携式人造存储设备的令牌。这样客户可以快速选择一组不同的财务账户。

10. 发明授权

US06920435B2 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor 失效
公开(公告)号：US06920435B2
公开(公告)日：2005-07-19
申请号：US10120328
申请日：2002-04-10
申请人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee , Philip Dean Lapsley
发明人： Ned Hoffman , David Ferrin Pare, Jr. , Jonathan Alexander Lee , Philip Dean Lapsley
IPC分类号： G06F1/00 , G06F15/00 , G06F21/00 , G06F21/20 , G06K9/00 , G06K9/62 , G06Q20/00 , G07C9/00 , G07F7/10 , G10L15/00 , G10L15/28 , G10L17/00 , H04K1/00 , H04L9/00 , H04L9/32 , H04L29/06 , G06F17/60
CPC分类号： G06Q20/42 , G06F21/32 , G06F21/554 , G06F21/57 , G06F21/83 , G06F21/86 , G06F2211/008 , G06F2221/2117 , G06Q20/00 , G06Q20/02 , G06Q20/04 , G06Q20/10 , G06Q20/12 , G06Q20/18 , G06Q20/206 , G06Q20/341 , G06Q20/3674 , G06Q20/382 , G06Q20/3821 , G06Q20/40 , G06Q20/4014 , G06Q20/40145 , G06Q20/4097 , G06Q30/02 , G07C9/00087 , G07C9/00158 , G07F7/1008 , G07F11/002 , G07F19/201 , G07F19/207 , G07F19/211 , H04L63/04 , H04L63/0861 , H04L2463/102
摘要： The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user. A stored audio signature is associated with a transaction processor entity, which the transaction processor entity is responsible for conducting the electronic transaction. A sound generator generates an analog or digital signal from the stored audio signature, and a transducer converts the analog or digital signal to a play back audio signature. This invention generates a play back audio signature from the stored audio signature that is associated with the transaction processor entity and the play back audio signature is played back to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no man made personal devices such as credit cards, identity cards or the like is used during the identification process for conducting the electronic transaction.

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