公开(公告)号：US20070174206A1

公开(公告)日：2007-07-26

申请号：US11646121

申请日：2006-12-27

申请人： Brian Colella

发明人： Brian Colella

IPC分类号： G06Q99/00

CPC分类号： G06Q20/40 ,  G06Q20/382 ,  G06Q30/04 ,  G06Q30/06

摘要： A method and system for biometric-secure online selling, buying and bill paying in electronic commerce and retail point-of-sale settings that also simplifies the checkout process and eliminates fraudulent transactions. The system relies on an exchange service provider (ESP) that hosts multiple servers: one implementing a web portal for secure online banking, auctions and other exchange opportunities, another being a biometric fingerprint device authenticating database, and yet another being a transaction traffic manager. Participating banks and supporting institutions distribute and activate Secure Individual Identity Devices (SIIDs) to registered users, each SIID being a portable biometric activated identification device that locally stores a fraction of the enrolled users fingerprint (minutia) along with an encrypted code that is used to verify and authenticate the user, eliminating the use of personal or financial information for this purpose. The SiiD becomes the user's own personal key for completing secure online transactions. The user simply plugs their SiiD into any USB-equipped device and scans their own fingerprint for each transaction. The encrypted codes are authenticated in the ESP database and the transaction is processed to the appropriate financial institutions.

摘要翻译： 一种用于电子商务和零售销售点设置的生物识别安全的在线销售，购买和付费的方法和系统，这也简化了结帐过程并消除了欺诈性交易。 系统依赖于托管多个服务器的交换服务提供商（ESP）：一个实现安全网络银行，拍卖和其他交换机会的门户网站，另一个是生物识别指纹设备认证数据库，另一个是交易流量管理器。 参与银行和支持机构向注册用户分发和激活安全个人身份设备（SIID），每个SIID是便携式生物识别激活识别设备，其本地存储注册用户指纹（细节）的一部分以及用于 验证和验证用户，消除为此目的使用个人或财务信息。 SiiD成为用户完成安全在线交易的个人密钥。 用户只需将其SiiD插入任何配备USB的设备，并对每个事务扫描自己的指纹。 加密代码在ESP数据库中进行身份验证，并将交易处理到相应的金融机构。

公开(公告)号：US07949609B2

公开(公告)日：2011-05-24

申请号：US11646121

申请日：2006-12-27

申请人： Brian Colella

发明人： Brian Colella

IPC分类号： G06Q20/00 ,  G06K5/00

CPC分类号： G06Q20/40 ,  G06Q20/382 ,  G06Q30/04 ,  G06Q30/06

摘要： A method and system for biometric-secure online selling, buying and bill paying in electronic commerce and retail point-of-sale settings that also simplifies the checkout process and eliminates fraudulent transactions. The system relies on an exchange service provider (ESP) that hosts multiple servers: one implementing a web portal for secure online banking, auctions and other exchange opportunities, another being a biometric fingerprint device authenticating database, and yet another being a transaction traffic manager. Participating banks and supporting institutions distribute and activate Secure Individual Identity Devices (SIIDs) to registered users, each SIID being a portable biometric activated identification device that locally stores a fraction of the enrolled users fingerprint (minutia) along with an encrypted code that is used to verify and authenticate the user, eliminating the use of personal or financial information for this purpose. The SiiD becomes the user's own personal key for completing secure online transactions. The user simply plugs their SiiD into any USB-equipped device and scans their own fingerprint for each transaction. The encrypted codes are authenticated in the ESP database and the transaction is processed to the appropriate financial institutions.

摘要翻译： 一种用于电子商务和零售销售点设置的生物识别安全的在线销售，购买和付费的方法和系统，这也简化了结帐过程并消除了欺诈性交易。 系统依赖于托管多个服务器的交换服务提供商（ESP）：一个实现安全网络银行，拍卖和其他交换机会的门户网站，另一个是生物识别指纹设备认证数据库，另一个是交易流量管理器。 参与银行和支持机构向注册用户分发和激活安全个人身份设备（SIID），每个SIID是便携式生物识别激活识别设备，其本地存储注册用户指纹（细节）的一部分以及用于 验证和验证用户，消除为此目的使用个人或财务信息。 SiiD成为用户完成安全在线交易的个人密钥。 用户只需将其SiiD插入任何配备USB的设备，并对每个事务扫描自己的指纹。 加密代码在ESP数据库中进行身份验证，并将交易处理到相应的金融机构。