Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

Abstract: A system and method for providing a mid-stream payment model that automatically transfers funds from a consumer to a merchant are described. The invention allows a consumer to create, edit, and store profile information including merchants, and corresponding consumer accounts, increment payments and total transaction costs. In one embodiment, the invention includes a matching module for matching a merchant to a plurality of listed merchants from a merchant list and identifying a selected consumer account based on the merchant; a connection module coupled to the matching module for automatically connecting the merchant with the selected consumer account; and a transfer module coupled the connection module for transferring funds from the selected consumer account to the merchant in response to a confirmation.

Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

Abstract: A system and method for providing a secure transaction and authentication system through a gaming console are described. The invention allows a consumer to utilize a game console to conduct secure transactions and authenticate the identity of the consumer using the game console. In one embodiment, the invention includes a game console for use by a consumer; a biometric pad coupled to the game console for receiving a biometric input from the consumer to authenticate an identity of the consumer; and a control pad coupled to the game console for entering information by the consumer.

Abstract: Information-based digital currency and bartering shares a pre-defined level of information about a consumer to a party offering an item to the consumer. A value for the item is based on the level of information shared with the party. In a barter situation with another consumer, a barter valuation for the level of information shared is calculated. The item may be a physical or non-physical product or a service.

Abstract: A method of authorizing a commercial transaction between a customer and a provider of goods or services over a network, wherein the provider of goods or services requests that the customer provide authentication by activating a fingerprint identification device, and the provider of goods or services receives at least an authentication code of the customer over the network from the fingerprint identification device, the method comprising the steps of: providing the customer with the fingerprint identification device which produces the authentication code when a fingerprint of the customer matches a stored fingerprint within the fingerprint identification device; receiving at least the authentication code from the provider of goods or services over the network; and authorizing the transaction if at least the authentication code is valid.

Abstract: Transaction information from more than one supplier on a network-enabled portal is consolidated by a consolidation payment service and a user provides payment information to the consolidation payment service a single time to pay the suppliers. A consolidation payment service receives a first transaction data from a first supplier located on a network-enabled portal. The consolidation payment service receives a second transaction data from a second supplier located on the network-enabled portal. The consolidation payment service consolidates the first transaction data and the second transaction data. The consolidation payment service receives payment information a single time from a user to pay the first supplier and the second supplier. The user is presented with a single transaction history that includes the first transaction data and the second transaction data.

Abstract: A method, an apparatus, and a system that prevents an unscrupulous person from stealing the identity of another party and using the stolen identity to obtain a transaction device such as a biometric device that is configured to access, for example, a line of credit. In one aspect, a first biometric data of a party is registered (or stored) in a suitable manner with a trusted entity. The first biometric data may be fingerprint data, iris data, retinal data, voice data, or other suitable biometric information associated with a party. The trusted entity, for example, may be the party's bank. A second biometric data (e.g., fingerprint data) is obtained from a person seeking financial credit. The person is prevented from registering a second biometric data (e.g., fingerprint data of the unscrupulous person) that does not match the first biometric data (e.g., fingerprint data of the originally registered individual). This prevents the unscrupulous person from stealing the identity of another party.