Importance

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Abstract

A system for identifying an individual is determined either by generating an identification profile based on a distinctive biometric characteristic possessed by that person (e.g. voice analysis, finger print, facial scan, DNA etc.), or by means of verifying some digital 'signature' representation assigned to that person. The biometric information or digital signature may then be used in a variety of functions to enhance both the security and convenience of conducting electronic transactions. The system may provide an algorithm for creating a PIN number for use as a preliminary or secondary identification steps, and/or an algorithm for generating unique tone codes for use in personal identification via telephone or modem. Further, security of online transactions may be greatly improved by placing access key information in a medium outside the computer host or client. The system further provides a device that facilitates a user's ability to change codes or methods of generating codes instantly, without having to contact their bank, credit card company, etc.'

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First Claim