公开(公告)号：US20050187843A1

公开(公告)日：2005-08-25

申请号：US11109096

申请日：2005-04-18

申请人： Philip Lapsley ,  Jonathan Lee ,  David Pare ,  Ned Hoffman

发明人： Philip Lapsley ,  Jonathan Lee ,  David Pare ,  Ned Hoffman

IPC分类号： G06F1/00 ,  G06F21/00 ,  G06K9/00 ,  G06K9/62 ,  G06Q20/00 ,  G07C9/00 ,  G07F7/10 ,  H04K1/00 ,  H04L9/00 ,  H04L29/06 ,  G06F17/60

CPC分类号： H04L63/04 ,  G01F19/005 ,  G06F21/32 ,  G06F21/554 ,  G06F21/83 ,  G06F21/86 ,  G06F2211/008 ,  G06F2221/2117 ,  G06K9/00087 ,  G06K9/6255 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/0855 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q20/341 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/4097 ,  G06Q30/02 ,  G06Q40/00 ,  G07C9/00134 ,  G07C9/00158 ,  G07F7/1008 ,  G07F11/002 ,  G07F19/201 ,  G07F19/207 ,  H04L63/0428 ,  H04L63/0442 ,  H04L63/083 ,  H04L63/0861 ,  H04L63/123 ,  H04L2463/102

摘要： The invention provides a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample. In a payor registration step, the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor financial account identifier. The payee registers a payee identification data with the electronic third party identicator. A payee bid identification data and a payor bid biometric sample collected from the payor's person are electronically forwarded to the third party electronic identicator. A comparator engine compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor. The comparator engine also compares the payee's bid identification data with a payee's registered identification data for producing either a successful or failed identification of the payee. Once the electronic third-party identicator successfully identifies the payor and payee, the identicator electronically forwards at least one payor financial account identifier to the payee. An electronic financial transaction is then formed between the payor and payee, comprising a transaction amount and a payor financial account identifier. This transaction is then electronically forwarded to a financial transaction processor for authorization.

公开(公告)号：US20060083408A1

公开(公告)日：2006-04-20

申请号：US11245662

申请日：2005-10-07

申请人： Ned Hoffman ,  David Pare ,  Jonathan Lee ,  Philip Lapsley

发明人： Ned Hoffman ,  David Pare ,  Jonathan Lee ,  Philip Lapsley

IPC分类号： G06K9/00 ,  G07G1/14

CPC分类号： G06Q30/02 ,  G06F21/31 ,  G06F21/32 ,  G06Q20/02 ,  G06Q20/18 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q30/0222 ,  G06Q30/0225 ,  G06Q30/0226 ,  G06Q30/0234 ,  G06Q30/0236 ,  G07C9/00142 ,  G07C9/00158

摘要： Disclosed is a system and method for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data. The process uses apparatus for creating an electronic registry of a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria; recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data; recipient identification, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and recipient rewards issuance, wherein the rewards provider issues rewards to the recipient. This method and system can process an electronic consumer rewards transaction without the recipient using any unique identification tokens.

摘要翻译： 公开了一种用于使用电子识别器比较器和至少一个接收者生物测定数据来处理奖励提供者和接收者之间的无令牌电子消费者奖励的系统和方法。 该过程使用用于创建奖励提供者的产品或服务的电子注册表的装置，每个产品或服务具有预定的奖励值，根据预定标准的发生，奖励被支付给接收者; 收件人注册，其中所述接收者向所述电子标识符比较器注册至少一个注册生物特征样本和接收者特定数据; 其中所述识别者比较器将接收者投标生物特征样本与先前注册的生物特征样本进行比较，以产生接收者的成功或失败的标识; 和收款人奖励发行，其中奖励提供者向收件人发放奖励。 该方法和系统可以处理电子消费者回报交易，而不使用任何唯一的识别令牌。

公开(公告)号：US20050203841A1

公开(公告)日：2005-09-15

申请号：US11109895

申请日：2005-04-18

申请人： Ned Hoffman ,  David Pare ,  Jonathan Lee ,  Philip Lapsley

发明人： Ned Hoffman ,  David Pare ,  Jonathan Lee ,  Philip Lapsley

IPC分类号： G06F1/00 ,  G06F15/00 ,  G06F21/00 ,  G06F21/20 ,  G06K9/00 ,  G06K9/62 ,  G06Q20/00 ,  G07C9/00 ,  G07F7/10 ,  G10L15/00 ,  G10L15/28 ,  G10L17/00 ,  H04K1/00 ,  H04L9/00 ,  H04L9/32 ,  H04L29/06 ,  G06F17/60

CPC分类号： G06Q20/42 ,  G06F21/32 ,  G06F21/554 ,  G06F21/57 ,  G06F21/83 ,  G06F21/86 ,  G06F2211/008 ,  G06F2221/2117 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/18 ,  G06Q20/206 ,  G06Q20/341 ,  G06Q20/3674 ,  G06Q20/382 ,  G06Q20/3821 ,  G06Q20/40 ,  G06Q20/4014 ,  G06Q20/40145 ,  G06Q20/4097 ,  G06Q30/02 ,  G07C9/00087 ,  G07C9/00158 ,  G07F7/1008 ,  G07F11/002 ,  G07F19/201 ,  G07F19/207 ,  G07F19/211 ,  H04L63/04 ,  H04L63/0861 ,  H04L2463/102

摘要： 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. This invention generates a play back audio signature from the stored audio signature that is associated with the transaction processor entity and the play back audio signature is played back to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no man made personal devices such as credit cards, identity cards or the like is used during the identification process for conducting the electronic transaction.

摘要翻译： 本发明公开了一种无标记生物特征识别计算机系统，至少包括一个包含用户登记的生物特征样本的数据库。 比较器将用户的投标生物特征样本与至少一个注册的生物特征样本进行比较，所述生物特征样本是在用户进行电子交易的识别过程期间直接从用户获得的投标生物特征样本。 存储的音频签名与交易处理器实体相关联，交易处理器实体负责进行电子交易。 声音发生器从存储的音频签名生成模拟或数字信号，并且换能器将模拟或数字信号转换成回放音频签名。 本发明从存储的与交易处理器实体相关联的音频签名产生回放音频签名，并且回放音频签名被回放给用户以识别进行电子交易的交易处理器实体，其中没有人做个人 在进行电子交易的识别过程中使用诸如信用卡，身份证等的装置。

公开(公告)号：US20060106734A1

公开(公告)日：2006-05-18

申请号：US11321138

申请日：2005-12-28

申请人： Ned Hoffman ,  Philip Lapsley

发明人： Ned Hoffman ,  Philip Lapsley

IPC分类号： G06Q99/00

CPC分类号： G06F21/33 ,  C07K14/53 ,  G06F21/32 ,  G06F21/83 ,  G06F2211/008 ,  G06F2221/2117 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/342 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q30/0225 ,  G07C9/00158 ,  G07F7/025 ,  H04L63/0428 ,  H04L63/0823 ,  H04L63/0861 ,  H04L67/306 ,  H04L69/329

摘要： Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

公开(公告)号：US20050289058A1

公开(公告)日：2005-12-29

申请号：US11198121

申请日：2005-08-04

申请人： Ned Hoffman ,  Philip Lapsley

发明人： Ned Hoffman ,  Philip Lapsley

IPC分类号： C07K14/53 ,  G06F1/00 ,  G06F21/00 ,  G06F21/20 ,  G06Q20/00 ,  G07C9/00 ,  G07F7/02 ,  H04L29/06 ,  G06Q40/00

CPC分类号： G06F21/33 ,  C07K14/53 ,  G06F21/32 ,  G06F21/83 ,  G06F2211/008 ,  G06F2221/2117 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/342 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q30/0225 ,  G07C9/00158 ,  G07F7/025 ,  H04L63/0428 ,  H04L63/0823 ,  H04L63/0861 ,  H04L67/306 ,  H04L69/329

摘要： Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

公开(公告)号：US20050144133A1

公开(公告)日：2005-06-30

申请号：US11048567

申请日：2005-01-31

申请人： Ned Hoffman ,  Philip Lapsley

发明人： Ned Hoffman ,  Philip Lapsley

IPC分类号： C07K14/53 ,  G06F1/00 ,  G06F21/00 ,  G06F21/20 ,  G06Q20/00 ,  G07C9/00 ,  G07F7/02 ,  H04L29/06 ,  G06F17/60

CPC分类号： G06F21/33 ,  C07K14/53 ,  G06F21/32 ,  G06F21/83 ,  G06F2211/008 ,  G06F2221/2117 ,  G06Q20/00 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q20/342 ,  G06Q20/382 ,  G06Q20/40 ,  G06Q20/401 ,  G06Q20/4014 ,  G06Q30/0225 ,  G07C9/00158 ,  G07F7/025 ,  H04L63/0428 ,  H04L63/0823 ,  H04L63/0861 ,  H04L67/306 ,  H04L69/329

摘要： Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

摘要翻译： 这里描述了使用至少一个用户生物特征样本，电子标识符和电子规则模块清算所处理电子传输的无标记生物测定方法。 用于处理电子传输的步骤包括用户注册步骤，其中用户向电子标识符注册至少一个直接从用户的人员注册的生物识别样本。 在规则模块清算所中为用户定制的规则模块的形成，其中用户的至少一个模式数据与用户的至少一个执行命令相关联。 一种用户识别步骤，其中所述电子鉴别器将直接从所述用户获取的出价生物特征样本与至少一个先前注册的生物特征样本进行比较，以产生所述用户的成功或失败的标识。 在命令执行步骤中，在成功识别用户之后，调用用户的至少一个先前指定的规则模块来执行至少一个电子传输。 上述步骤以不使用者呈现诸如智能卡或磁性刷卡之类的个性化人造记忆体令牌的方式进行生物计量授权的电子传输的方式进行。