Importance

Loading Importance Indicators...

Abstract

A financial transaction authentication system utilizing non-invasive biometric verification which includes a first computer-based device having stored thereon encoded first human fingerprint data representative of an authorized human user, a control device with display and keyboard for enrolling said authorized human user in said first computer-based device, a second computer-based device connected to said first computer-based device via a communications network, a key-like device having embedded thereon an integrated circuit-based fingerprint sensor for real-time gathering of second human fingerprint data, a receptacle for said key-like device, a first and second mating electrical contact which connects said fingerprint sensor to said second computer-based device when said key-like device is inserted in said receptacle, and software resident within said second computer-based device for human user verification, which can include minutiae analysis, neural networks or other equivalent algorithms, for comparing said first human fingerprint data with said second human fingerprint data and producing an output signal therefrom for use in the verification of said human user. The apparatus further includes software which permits the secure authentication of said human users for use in completing automated or Internet-based financial transactions. Said authentication can be granted or denied based on whether or not said human user's fingerprint is verified by said fingerprint verification algorithms.

Loading the Abstract Image...

First Claim