Method and apparatus for authenticating financial transactions
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United States of America Patent
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-
Jan 3, 2012
Grant Date -
Aug 7, 2003
app pub date -
Jan 3, 2001
filing date -
Jan 5, 2000
priority date (Note) -
In Force
status (Latency Note)
Importance
Abstract
A system for authentication of financial transactions using a remote terminal includes apparatus for sampling a unique biological identifier of a system user. The system has particular relevance to credit card or other electronic funds transfer transactions whereby the user may complete a transaction over the Internet, or at a merchant's remote terminal by using a unique biological identifier in place of the credit card. The unique biological identifier is preferably a finger print which is read by a camera at the personal computer or remote terminal. The image is digitized and forwarded to a clearing house to identify the appropriate account for the required transaction to be processed.
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