Abstract: This invention provides a reliable and secure method and framework for verifying and authenticating electronic web-based payment customers. This invention describes the enrollment and authentication processes. This invention uses a biometric identification card, a hand-held owner-controlled integrated radio frequency identification (RFID) mobile device hereinafter referred to as the smart device, scanner reader writer device, personal computer, merchant host server, remote backend host server, and gateway host server. This invention describes a method for a customer to enroll in the system whereby the customer's personal, account and biometric information are stored in a BID card or smart device. It also describes a method for a customer to pay for web transactions on a merchants website using one of the accounts stored in the customer's biometric identification card or smart device.

Abstract: A method and system to enable mobile merchants process transaction payments. The system uses a BID card, smart device, merchant device, smart card reader scanner writer, and RFID reader. The BID card or smart device holds a merchant or non-merchant's personal, account, and biometric information. The merchant device contains one or more smart cards slots for inserting the BID cards; wireless and/or wire-line communicating interfaces and channels for plugging in a smart device and communicating with the remote backend host; and fingerprint scanning area for obtaining live fingerprint templates. The smart card reader write is an integrated device for reading from and writing to BID cards, also for obtaining live fingerprint templates. The smart card reader scanner writer is used in a banking institution when merchant or non-merchant needs to load money into his or her pre-paid account; and the RFID reader is used for communication between a smart device and host application on a personal computer.

Abstract: A method, apparatus and system that allows an individual to authenticate his identity by storing his or her biometric profile and other information in a smart device. The smart device is always under the control of the owner during and after enrollment. The smart device holder's identity is authenticated by matching the stored fingerprint template against the live fingerprint of the smart device holder scanned on the smart device. When an enrolled smart device is within the proximity of a system radio frequency identification reader, the associated application via the radio frequency identification reader interacts with the smart device to authenticate the identity of the person holding the device. The smart device can also be attached to a personal computer, without a radio frequency identification reader via a wired interface. The application performs the applicable transaction only when the identity of the smart device holder is successfully authenticated.

Abstract: A method and system that enables a customer to delegate or authorize another individual to perform a financial transaction is provided. This system uses a smart card and a biometric scanner or reader writer, or a biometric device without a smart card. The smart card holds personal and financial accounts information about the customer including a set of biometric templates of the customer. The second smart card owner is identified as the true owner of a smart card after the second smart card passes a biometric authentication using a read write device. The first smart card owner specifies the desired transaction that is to be performed by the second smart card. The delegated or authorized transaction created by the first smart card is encrypted and stored in the second smart card and/or to a remote back-end host server.