US Patent No: 5,870,723

Number of patents in Portfolio can not be more than 2000

Tokenless biometric transaction authorization method and system

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Abstract

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.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
OPEN INVENTION NETWORK, LLCDURHAM, NC251
YT ACQUISITION CORPORATIONSAN FRANCISCO, CA68

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Hoffman, Ned Berkeley, CA 56 3952
Lee, Jonathan Alexander Berkeley, CA 34 2893
Pare, Jr David Ferrin Berkeley, CA 25 2535

Cited Art

Patent Info (Count) # Cites Year
 
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DIGITAL BIOMETRICS, INC. (2)
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GOLDSTAR CO., LTD. (2)
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BRINK'S NETWORK, INC. (1)
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FUJITSU LIMITED (1)
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GROETZINGER, ROBERT S. (1)
5,335,288 Apparatus and method for biometric identification 98 1992
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
5,276,314 Identity verification system resistant to compromise by observation of its use 82 1992
 
JUERGEN DETHLOFF (1)
4,837,422 Multi-user card system 388 1987
 
KOKUSAN KINZOKU KOGYO KABUSHIKI KAISHA (1)
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KUMAHIRA SAFE CO., INC. (1)
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LANRALD DATA MGMT. NV, LLC (1)
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MASTERCARD INTERNATIONAL INCORPORATED (1)
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MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
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MOTOROLA SOLUTIONS, INC. (1)
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PASTORIUS, BRUCE A. (1)
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POSID, INC. (1)
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SECURA-CODE CORPORATION (1)
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SIEMENS AKTIENGESELLSCHAFT (1)
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SMART TONE, INC. (1)
5,745,555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 143 1996
 
U.S. PHILIPS CORPORATION (1)
5,325,442 Fingerprint sensing device and recognition system having predetermined electrode activation 229 1993
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (5)
5,036,461 Two-way authentication system between user's smart card and issuer-specific plug-in application modules in multi-issued transaction device 230 1990
5,229,764 Continuous biometric authentication matrix 269 1991
5,265,162 Portable pin card 70 1991
5,251,259 Personal identification system 75 1992
5,343,529 Transaction authentication using a centrally generated transaction identifier 148 1993

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (62)
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7,068,832 Lockbox imaging system 27 2000
6,867,789 System and method for generating graphical user interfaces 15 2000
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7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
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7,599,879 Syndication loan administration and processing system 12 2001
7,472,088 System and method for offering a financial product 22 2001
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7,546,272 Trade receivable processing method and apparatus 16 2002
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7,587,363 System and method for optimized funding of electronic transactions 57 2002
7,769,650 Network-based sub-allocation systems and methods for swaps 12 2003
7,899,753 Systems and methods for time variable financial authentication 2 2003
7,953,663 System and method for financial instrument pre-qualification and offering 3 2003
8,290,862 Method and system for expediting payment delivery 0 2004
7,668,777 System and method for providing instant-decision, financial network-based payment cards 0 2004
7,613,656 Coupon payment system 0 2004
7,380,707 Method and system for credit card reimbursements for health care transactions 57 2005
7,844,518 Method and apparatus for managing credit limits 0 2005
7,774,248 Method and apparatus for managing risk 0 2005
7,685,064 Method and apparatus for evaluating a financial transaction 1 2005
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7,822,684 Personalized bank teller machine 4 2005
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8,290,863 Method and system for expediting payment delivery 0 2005
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7,317,823 Lockbox imaging system 42 2006
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8,301,529 Method and system for implementing effective governance of transactions between trading partners 0 2006
7,366,698 Trade receivable processing method and apparatus 5 2006
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
7,471,818 Lockbox imaging system 22 2007
7,680,735 Trade receivable processing method and apparatus 13 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 14 2007
7,743,979 Method and system for credit card reimbursements for health care transactions 14 2008
8,112,355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8,391,584 Method and system for duplicate check detection 0 2008
7,668,363 Lockbox imaging system 14 2008
8,065,231 Trade receivable processing method and apparatus 0 2009
8,027,914 System and method for providing instant-decision, financial network-based payment cards 0 2010
8,045,784 Lockbox imaging system 4 2010
8,170,936 Method and system for emulating a private label over an open network 0 2010
7,904,388 Method and system for processing recurring payments 0 2010
8,015,096 Network-based sub-allocation systems and methods for swaps 0 2010
8,352,354 System and method for optimizing order execution 0 2010
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8,380,597 International banking system and method 0 2010
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8,170,952 System and method for providing instant-decision, financial network-based payment cards 0 2011
8,396,798 Method and system for facilitating network transaction processing 0 2012
D678653 Drive-up financial transaction machine 0 2012
 
YT ACQUISITION CORPORATION (36)
7,319,987 Tokenless financial access system 32 1998
6,269,348 Tokenless biometric electronic debit and credit transactions 202 1999
6,230,148 Tokenless biometric electric check transaction 121 1999
6,154,879 Tokenless biometric ATM access system 195 1999
6,397,198 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor 85 1999
7,613,659 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 35 1999
7,882,032 System and method for tokenless biometric authorization of electronic communications 9 2000
6,950,810 Tokenless biometric electronic financial transactions via a third party identicator 17 2000
6,879,966 Tokenless biometric electronic financial transactions via a third party identicator 31 2001
6,581,042 Tokenless biometric electronic check transactions 48 2001
7,565,329 Biometric financial transaction system and method 12 2001
6,662,166 Tokenless biometric electronic debit and credit transactions 131 2001
7,631,193 Tokenless identification system for authorization of electronic transactions and electronic transmissions 12 2002
6,920,435 Tokenless biometric electronic transactions using an audio signature to identify the transaction processor 8 2002
7,152,045 Tokenless identification system for authorization of electronic transactions and electronic transmissions 55 2002
7,269,737 System and method for biometric authorization for financial transactions 20 2002
7,367,049 System and method for enrolling in a biometric system 10 2003
7,747,528 System and method for delaying payment processing for biometrically-initiated financial transactions 3 2004
7,082,415 System and method for biometrically-initiated refund transactions 11 2004
8,200,980 System and method for enrolling in a biometric system 1 2004
7,464,059 System and method for purchase benefits at a point of sale 8 2004
7,620,605 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 13 2005
7,765,164 System and method for offering in-lane periodical subscriptions 4 2005
7,624,073 System and method for categorizing transactions 5 2005
7,437,330 System and method for categorizing transactions 21 2005
7,536,352 Tokenless biometric electronic financial transactions via a third party identicator 8 2005
7,533,809 System and method for operating a parking facility 9 2005
7,606,401 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 16 2005
7,248,719 Tokenless electronic transaction system 9 2005
7,533,066 System and method for biometrically-initiated refund transactions 6 2005
8,260,716 System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse 0 2005
7,698,567 System and method for tokenless biometric electronic scrip 6 2005
7,558,407 Tokenless electronic transaction system 11 2007
7,836,485 System and method for enrolling in a biometric system 3 2008
7,778,933 System and method for categorizing transactions 3 2008
7,769,695 System and method for purchase benefits at a point of sale 4 2008
 
IGT (12)
7,186,181 Wide area program distribution and game information communication system 28 2001
7,931,533 Game development architecture that decouples the game logic from the graphics logics 5 2002
7,168,089 Secured virtual network in a gaming environment 61 2002
7,918,730 Trajectory-based 3-D games of chance for video gaming machines 5 2002
7,131,909 Method and apparatus for managing gaming machine code downloads 20 2002
7,515,718 Secured virtual network in a gaming environment 42 2005
7,972,214 Methods and devices for downloading games of chance 5 2005
8,033,913 Gaming machine update and mass storage management 2 2005
8,287,379 Distributed game services 0 2005
8,117,461 Method of randomly and dynamically checking configuration integrity of a gaming system 2 2006
8,057,298 Virtual player tracking and related services 3 2007
8,388,448 Methods and devices for downloading games of chance 0 2011
 
PRIVARIS, INC. (12)
7,590,861 Methods for secure enrollment and backup of personal identity credentials into electronic devices 4 2003
7,783,892 System and methods for assignation and use of media content subscription service privileges 8 2004
7,587,611 In-circuit security system and methods for controlling access to and use of sensitive data 5 2004
7,420,546 Man-machine interface for controlling access to electronic devices 10 2004
8,127,143 Methods for secure enrollment of personal identity credentials into electronic devices 2 2008
8,055,906 Methods for secure restoration of personal identity credentials into electronic devices 2 2008
7,788,501 Methods for secure backup of personal identity credentials into electronic devices 5 2008
7,525,537 Man-machine interface for controlling access to electronic devices 5 2008
7,688,314 Man-machine interface for controlling access to electronic devices 0 2009
8,001,372 Methods for secure enrollment and backup of personal identity credentials into electronic devices 1 2009
RE42038 Man-machine interface for controlling access to electronic devices 1 2009
8,327,152 System and methods for assignation and use of media content subscription service privileges 0 2010
 
XATRA FUND MX, LLC (11)
8,294,552 Facial scan biometrics on a payment device 0 2007
8,074,889 System for biometric security using a fob 2 2007
7,988,038 System for biometric security using a fob 0 2007
8,289,136 Hand geometry biometrics on a payment device 0 2007
8,284,025 Method and system for auditory recognition biometrics on a FOB 0 2007
8,279,042 Iris scan biometrics on a payment device 0 2007
RE43157 System and method for reassociating an account number to another transaction account 1 2008
8,066,181 RF transaction authentication using a random number 3 2008
8,016,201 Authorized sample receiver 0 2008
RE43460 Public/private dual card system and method 0 2009
8,009,018 RF transactions using a wireless reader grid 0 2010
 
IGT (9)
7,951,002 Using a gaming machine as a server 4 2000
8,083,585 Apparatus and method for copying gaming machine configuration settings 0 2002
6,988,267 Method and device for implementing a downloadable software delivery system 24 2003
7,837,556 Decoupling of the graphical presentation of a game from the presentation logic 2 2005
8,185,890 Method and device for implementing a downloadable software delivery system 0 2005
7,399,229 Method and apparatus for managing gaming machine code downloads 13 2006
7,988,554 Game development architecture that decouples the game logic from the graphics logic 1 2007
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8,079,909 Method and apparatus for managing gaming machine code downloads 0 2008
 
SONY ELECTRONICS INC. (5)
7,765,163 System and method for conducting secure transactions over a network 0 2001
7,251,633 Method or system for executing deferred transactions 5 2001
7,478,068 System and method of selecting consumer profile and account information via biometric identifiers 0 2002
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8,286,256 Method and system for restricted biometric access to content of packaged media 0 2008
 
AT&T INTELLECTUAL PROPERTY I, L.P. (4)
7,630,478 Method and system for multimodal presence detection 2 2006
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7,949,105 Method and system for multimodal presence detection 1 2009
 
RAF TECHNOLOGY, INC. (4)
7,676,433 Secure, confidential authentication with private data 4 2006
7,748,029 Authentication query strategizer and results compiler 2 2008
8,032,927 Verification engine for user authentication 2 2009
8,316,418 Verification engine for user authentication 0 2011
 
VEEDIMS, LLC (4)
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7,856,158 Virtual electronic switch system 0 2009
8,303,337 Hybrid cable for conveying data and power 0 2010
8,254,734 Virtual electronic switch system 0 2010
 
CATALINA MARKETING CORPORATION (3)
8,224,691 System and method for distributing information through cooperative communication network sites 0 2000
6,885,994 System and method for providing shopping aids and incentives to customers through a computer network 51 2000
7,233,913 System and method for providing shopping aids and incentives to customers through a computer network 10 2004
 
DST SYSTEMS, INC. (3)
7,275,046 Simultaneous real-time access to financial information 7 1999
7,686,208 Simultaneous real-time presentation of financial information 0 2007
7,962,517 Simultaneous real-time access to financial information 1 2010
 
DUNCAN VENTURES, INC. (3)
6,934,692 On-line interactive system and method for transacting business 29 2000
7,249,078 On-line interactive system and method for transacting business 0 2005
7,389,259 On-line interactive system and method for transacting business 4 2007
 
EBAY INC. (3)
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HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (3)
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7,526,785 Trusted computing platform for restricting use of data 9 2000
7,917,752 Method of controlling the processing of data 0 2003
 
MICROSOFT CORPORATION (3)
6,553,358 Decision-theoretic approach to harnessing text classification for guiding automated action 32 1999
7,113,918 Method for video enabled electronic commerce 41 1999
7,243,237 Secure communication with a keyboard or related device 1 2003
 
ZILOS NETWORKING LIMITED LIABILITY COMPANY (3)
7,003,495 Portable electronic authorization system and method 48 2000
7,080,037 Portable electronic authorization system and method 32 2001
7,340,439 Portable electronic authorization system and method 7 2003
 
1PERFECTID, INC. (2)
7,481,364 Biometric identification device with smartcard capabilities 1 2006
8,186,580 Biometric identification device with smartcard capabilities 0 2008
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (2)
6,907,135 Security check provision 9 1998
7,424,135 Security check provision 2 2005
 
ECARDLESS BANCORP, LTD. (2)
7,080,048 Purchasing on the internet using verified order information and bank payment assurance 7 2000
7,006,986 Order file processes for purchasing on the internet using verified order information 13 2000
 
IDENTITY METRICS LLC (2)
8,051,468 User authentication system 1 2007
8,260,740 System to associate a demographic to a user of an electronic system 0 2010
 
IDENTITY METRICS, INC. (2)
7,818,290 System to associate a demographic to a user of an electronic system 4 2007
8,161,530 Behaviormetrics application system for electronic transaction authorization 0 2007
 
IDENTITY VALIDATION PRODUCTS, LLC (2)
7,725,732 Object authentication system 4 2004
8,433,921 Object authentication system 0 2010
 
INTELLICHECK MOBILISA, INC. (2)
7,860,318 System and method for comparing documents 2 2004
8,139,869 System and method for comparing documents 0 2010
 
NEWS AMERICA MARKETING PROPERTIES L.L.C. (2)
8,050,969 Interactive marketing network and process using electronic certificates 1 2008
8,370,200 Interactive marketing network and process using electronic certificates 0 2011
 
OMRON CORPORATION (2)
6,907,134 Personal identification device and method 8 2000
7,705,737 Object identifying device, mobile phone, object identifying method, program executable on computer for operating the object identifying device and computer-readable medium including the program 0 2006
 
QUALCOMM FYX, INC. (2)
8,049,594 Enhanced RFID instrument security 0 2005
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S.F. IP PROPERTIES 59 LLC (2)
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SONAVATION, INC. (2)
7,489,066 Biometric sensing device with isolated piezo ceramic elements 4 2005
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SPRINT COMMUNICATIONS COMPANY L.P. (2)
6,650,888 Validating a transaction with user voice authentication using wireless communications 11 2000
7,286,813 Validating a transaction with user voice authentication using wireless communications 0 2003
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (2)
6,938,163 Technique for securely storing data within a memory 3 2000
7,644,045 Method and apparatus for buyer identification 0 2005
 
THIRD ACT LLC (2)
7,143,064 Controlled entertainment spending account 12 2001
7,653,595 Controlled entertainment spending account 0 2006
 
TRANSACTION NETWORK SERVICES, INC. (2)
7,353,208 Transaction processing using intermediate server architecture 2 2000
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U.S. BANCORP LICENSING, INC. (2)
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UNWIRED PLANET, INC. (2)
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ACTIVCARD IRELAND LIMITED (1)
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AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
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ANOTO AB (1)
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BIO-KEY INTERNATIONAL, INC. (1)
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CHASE MANHATTAN BANK, THE (1)
7,020,631 Method for mortgage and closed end loan portfolio management 10 2001
 
CISCO TECHNOLOGY, INC. (1)
8,255,995 Methods and apparatus providing computer and network security utilizing probabilistic policy reposturing 0 2010
 
CITICORP DEVELOPMENT CENTER, INC. (1)
7,039,812 System and method for user authentication 20 2001
 
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DAON HOLDINGS LIMITED (1)
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EDENTIFY, INC. (1)
6,871,287 System and method for verification of identity 44 2000
 
ELECTRONIC FINGER PRINT TECHNOLOGIES LIMITED (1)
8,090,657 Method and apparatus for authenticating financial transactions 0 2001
 
FELSHER, DAVID P., MR. (1)
7,181,017 System and method for secure three-party communications 226 2002
 
FUJIFILM CORPORATION (1)
7,769,696 Information storing apparatus 1 2003
 
FUJITSU LIMITED (1)
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FUSIONARC, INC. (1)
7,246,244 Identity verification method using a central biometric authority 8 2005
 
GREEN STREET VENTURES (1)
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HUSH, INC. (1)
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INFONOX ON THE WEB (1)
6,758,394 Identity verification and enrollment system for self-service devices 21 2001
 
INTEL CORPORATION (1)
7,787,660 Fingerprint detecting wireless device 0 2004
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
7,158,948 Method and apparatus for encoding transactions for goods and services using an e-receipt 9 1999
 
INTERNATIONAL FUNDING PARTNERS LLC (1)
8,060,437 Automatic termination of electronic transactions 0 2006
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
LEVEL 3 COMMUNICATIONS, LLC (1)
6,859,791 Method for determining internet users geographic region 57 2000
 
LEXISNEXIS RISK SOLUTIONS GA INC. (1)
6,202,055 Positive identification display device and scanner for low cost collection and display of graphic and text data in a secure manner 65 1997
 
NEWS AMERICA MARKETING PROPERTIES (1)
7,401,032 Process for the distribution and redemption of coupons 12 2000
 
NIACO DATA MGMT. II, L.L.C. (1)
8,083,137 Administration of financial accounts 0 2009
 
OPEN INVENTION NETWORK LLP (1)
8,341,421 System and method for enrolling in a biometric system 0 2010
 
OPEN INVENTION NETWORK, LLC (1)
7,970,678 Biometric financial transaction system and method 1 2009
 
OPENTV, INC. (1)
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ORION SYSTEMS, INC. (1)
7,246,097 Methods and apparatus for generating secure endorsed transactions 1 2004
 
PANDORA MEDIA, INC. (1)
7,962,482 Methods and systems for utilizing contextual feedback to generate and modify playlists 2 2006
 
PASCAL BRANDYS (1)
7,188,362 System and method of user and data verification 16 2002
 
PHELAN, PATRICIA, MS. (1)
7,280,984 Money card system, method and apparatus 7 2003
 
PRIMAX ELECTRONICS LTD. (1)
6,021,212 Electronic key device using a fingerprint to initiate a computer system 14 1998
 
RAKUTEN, INC. (1)
6,813,716 Secure calling card and authentication process 1 2000
 
SBC KNOWLEDGE VENTURES, L.P. (1)
7,505,573 Inmate called party prepaid card method and system 1 2005
 
SECURUS TECHNOLOGIES HOLDINGS, INC. (1)
6,639,977 System and method for reverse billing of a telephone call 47 2000
 
SECURUS TECHNOLOGIES, INC. (1)
8,180,028 System and method for called party controlled message delivery 0 2009
 
SWISSCOM MOBILE AG (1)
7,433,685 Order method 0 2002
 
THE WESTERN UNION COMPANY (1)
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 1 2007
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (1)
7,792,717 Waterfall prioritized payment processing 39 2004
 
ULTRA-SCAN CORPORATION (1)
6,715,674 Biometric factor augmentation method for identification systems 15 2002
 
VERIZON PATENT AND LICENSING INC. (1)
6,310,966 Biometric certificates 106 1998
 
VOICECASH IP S.A.R.L. (1)
6,934,849 Method and system for authorizing a commercial transaction 25 2001
 
YEDA RESEARCH AND DEVELOPMENT CO. LTD. (1)
6,044,464 Method of protecting broadcast data by fingerprinting a common decryption function 7 1998
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (18)
6,591,249 Touch scan internet credit card verification purchase process 64 2000
7,287,009 System and a method for carrying out personal and business transactions 14 2000
7,587,368 Information record infrastructure, system and method 41 2001
7,028,191 Trusted authorization device 26 2002
6,738,750 Method of using a network of computers to facilitate and control access or admission to facility, site, business, or venue 16 2002
7,519,558 Biometrically enabled private secure information repository 3 2002
7,233,690 Method and system for fraud detection 3 2003
7,497,371 Secure commercial transactions system 3 2004
8,407,140 Global remittance platform 0 2005
7,886,156 Secure universal transaction system 3 2006
8,401,902 Method for using computers to facilitate and control the creating of a plurality of functions 0 2007
7,472,092 Money order device with identity verification and method 0 2007
D638033 Air intake assembly 5 2008
8,152,059 Secure commercial transactions system 0 2009
8,443,202 Methods and systems for authenticating users 0 2009
8,447,641 System and method for automatically enrolling buyers into a network 0 2010
8,447,272 Authentication and human recognition transaction using a mobile device with an accelerometer 0 2010
8,407,480 Methods for secure enrollment and backup of personal identity credentials into electronic devices 0 2011