Abstract: An interaction system is described, which can reside on a cellular phone, a personal data assistant (PDA), a laptop computer, or any general purpose computing device. The interaction system provides a greatly simplified user interface for communication with interactive service systems. The interaction system builds the user interface by interpreting an associated profile that enables a user to access the interactive service system. The entire menu system of the interactive service system is presented to the user in a simple and easy to navigate set of menus, user input prompts and audible outputs of requested user information and confirmations. The interaction system saves time and minimizes user entry errors. The system leverages existing interactive service systems while taking full advantage of computing device features.

Abstract: A system and method for interacting with an interactive communication system include processing a profile associated with an interactive communication system; generating a user interface based on the processing of the profile to solicit a user response correlating to a response required by the interactive communication system; receiving the user response via the user interface; updating the user interface using the profile based on the user response; and sending a signal to the interactive communication system based on one or more user responses.

Abstract: The invention provides a method and device for tokenless authorization of a stored value transaction between a payor and a payee using an electronic identicator and at least one payor bid biometric sample, said method comprising the steps of registering with the electronic identicator at least one payor registration biometric sample, and at least one payor stored value account. During a payee registration step, the payee registers a payee identification data with the electronic identicator. In a transaction formation step, an electronic financial transaction is formed between the payor and the payee, which includes payee bid identification data, a transaction amount, and at least one payor bid biometric sample. The bid biometric sample is obtained from the payor's person. In at least one transmission step, the payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the electronic identicator.

Abstract: The invention discloses a biometric input apparatus for obtaining a high quality image of the finger of a user. The biometric input apparatus has a finger image scanner which in turn has a contact surface where the user places their finger upon prior to scanning, means for obtaining an electronic image of the finger of the user that is placed on the contact surface, and a pressure sensor for detecting the amount of pressure that is applied by the finger of the user to the contact surface. In a preferred embodiment, the finger image scanner also has a logic device that measures the amount of pressure exerted by the finger of the user and compares said pressure to a predetermined threshold pressure value. In a most preferred embodiment the improved finger image scanner further has a feedback loop, wherein the logic device prompts the user to increase or decrease the pressure applied to the contact surface.

Abstract: The method of the invention includes a tokenless authorization of a reward transaction between an issuer and a recipient using an electronic identicator and at least one recipient bid biometric sample, the method comprising the following steps. A recipient registration step, wherein a recipient registers with an electronic identicator at least one registration biometric sample. An issuer registration step, wherein the issuer registers identification data with the electronic identicator. During a transaction formation step, wherein an electronic reward transaction is formed between the issuer and the recipient, comprising issuer bid identification data, transaction data, and at least one recipient bid biometric sample, the bid biometric sample is obtained from the issuer's person. In at least one transmission step, the issuer bid identification data, the transaction data, and recipient bid biometric sample are electronically forwarded to the electronic identicator.

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.

Abstract: A tokenless identification system and method for authorization of transactions and transmissions is described. The tokenless system and method are principally based on a correlative comparison of a unique biometrics sample, such as a finger print or voice recording, gathered directly from the person of an unknown user, with an authenticated biometrics sample of the same type obtained and stored previously. The method and apparatus can be networked to act as a full or partial intermediary between other independent computer systems, or may be the sole computer systems carrying out all necessary executions. The method and apparatus further contemplates the use of a private code that is returned to the user after the identification has been complete, authenticating and indicating to the user that the computer system was accessed. The identification system and method of the invention additionally include emergency notification process to permit an authorized user to alert authorities an access attempt is coerced.

Abstract: A tokenless identification system and method for authorization of transactions and transmissions. The tokenless system and method are principally based on a correlative comparison of a unique biometrics sample, such as a finger print or voice recording, gathered directly from the person of an unknown user, with an authenticated biometrics sample of the same type obtained and stored previously. The system can be networked to act as a full or partial intermediary between other independent computer systems, or may be the sole computer systems carrying out all necessary executions. The system further contemplates the use of a private code that is returned to the user after the identification has been complete, authenticating and indicating to the user that the computer system was accessed. The identification system and method additionally include emergency notification device to permit an authorized user to alert authorities an access attempt is coerced.

Abstract: The system includes a master computer having a master computer comparator. The master computer comparator further having a master user biometric database which contains or stores the biometric samples of all users registered with the identification computer system. The master computer further includes a user personal identification code group database which contains the personal identification codes of said users. The identification computer system further includes at least two local computers which are physically remote from each other. Each local computer further includes a biometric scanner; a local comparator; a data entry device; and a local user biometric database containing a subset of the biometric samples contained in the master biometric database. First interconnectors that interconnects each local computer to the master computer.

Abstract: The system provides system and method for having a customer register with a computer system a PIN, one or more registration biometric samples, and one or more of the customer's financial accounts. During an initiation step, the customer initiates an account access at an ATM or a PC or any other financial access device, by entering the customer's personal authentication information comprising a PIN and at least one bid biometric sample. No portable man-made memory devices such as smartcards or swipe cards are used in this step. In a transmission step, an account access request message comprising the personal authentication information of the customer and other data are forwarded from the ATM to the computer system.

Abstract: The invention discloses an anti-fraud biometric scanner that determines whether an object exhibits characteristics of blood flow consistent with that of a live human. The anti-fraud biometric scanner has biometric scanning means for obtaining a biometric sample from the object, blood flow detection means for determining whether the object exhibits characteristics of blood flow consistent with that of a live human, and deception detection means for determining if the object is attempting to deceive the blood flow detection means. The blood flow detection means comprises a first light source for illuminating the object, a photodetector for measuring light energy from the object, and computing means for controlling the first light source and processing output from the photodetector. The deception detection means provides means for detecting movement by the object in an attempt to deceptively simulate blood flow.

Abstract: A tokenless identification system and method for authorization of transactions and transmissions. The tokenless system and method are principally based on a correlative comparison of a unique biometrics sample, such as a finger print or voice recording, gathered directly from the person of an unknown user, with an authenticated biometrics sample of the same type obtained and stored previously. It can be networked to act as a full or partial intermediary between other independent computer systems, or may be the sole computer systems carrying out all necessary executions. It further contemplates the use of a private code that is returned to the user after the identification has been complete, authenticating and indicating to the user that the computer system was accessed. The identification system and method of additionally include emergency notification to permit an authorized user to alert authorities an access attempt is coerced.