Abstract: The present invention satisfies these needs by providing an improved system and method for tokenless authorization of an electronic scrip transaction using at least one scrip supporter biometric sample and an electronic identicator.
Type:
Application
Filed:
December 11, 2003
Publication date:
July 1, 2004
Applicant:
Indivos Corporation, a Delaware corporation
Abstract: The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person.
Type:
Application
Filed:
July 14, 2003
Publication date:
February 5, 2004
Applicant:
Indivos Corporation, a Delaware corporation
Inventors:
Ned Hoffman, David Ferrin Pare, Jonathan Alexander Lee
Abstract: The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person.
Type:
Application
Filed:
April 1, 2002
Publication date:
November 21, 2002
Applicant:
Indivos Corporation, a Delaware corporation
Inventors:
Ned Hoffman, David Ferrin Pare, Jonathan Alexander Lee
Abstract: A method of identifying an individual from examination of their natural physical characteristics is shown. The method comprises obtaining from an individual during a registration process, a fingerprint image having at least one registration pore and at least one registration macrofeature; wherein registration pore data is derived from the registration pores, and registration macrofeature data is derived from the registration macrofeatures. In a bid step, a fingerprint image having at least one bid pore and at least one bid macrofeature is obtained; wherein bid pore data is derived from the bid pores and bid macrofeature data is derived from the bid macrofeatures. Bid associated data is constructed from associating the bid pore data with the bid macrofeature data, and constructing registration associated data derived from associating the registration pore data with the registration macrofeature data.
Type:
Application
Filed:
May 9, 2002
Publication date:
October 24, 2002
Applicant:
Indivos Corporation, a Delaware corporation
Inventors:
Jonathan Alexander Lee, Philip Dean Lapsley, David Ferrin Pare
Abstract: The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user. A stored audio signature is associated with a transaction processor entity, which the transaction processor entity is responsible for conducting the electronic transaction. A sound generator generates an analog or digital signal from the stored audio signature, and a transducer converts the analog or digital signal to a play back audio signature.
Type:
Application
Filed:
April 10, 2002
Publication date:
August 15, 2002
Applicant:
Indivos Corporation, a Delaware corporation
Inventors:
Ned Hoffman, David Ferrin Pare, Jonathan Alexander Lee, Philip Dean Lapsley