Tokenless biometric electronic financial transactions via a third party identicator
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United States of America Patent
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May 19, 2009
Grant Date -
Aug 25, 2005
app pub date -
Apr 18, 2005
filing date -
Nov 28, 1994
priority date (Note) -
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status (Latency Note)
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Abstract
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.
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