WO2002005077A3 - Method and system for using biometric sample to electronically access accounts and authorize transactions - Google Patents

Method and system for using biometric sample to electronically access accounts and authorize transactions Download PDF

Info

Publication number
WO2002005077A3
WO2002005077A3 PCT/US2001/021485 US0121485W WO0205077A3 WO 2002005077 A3 WO2002005077 A3 WO 2002005077A3 US 0121485 W US0121485 W US 0121485W WO 0205077 A3 WO0205077 A3 WO 0205077A3
Authority
WO
WIPO (PCT)
Prior art keywords
biometric sample
account
electronic transaction
authorize
transactions
Prior art date
Application number
PCT/US2001/021485
Other languages
French (fr)
Other versions
WO2002005077A2 (en
Inventor
Franklin L Mink
James C Ii Coleman
Original Assignee
Mink & Associates Inc
Franklin L Mink
James C Ii Coleman
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mink & Associates Inc, Franklin L Mink, James C Ii Coleman filed Critical Mink & Associates Inc
Priority to AU2001273249A priority Critical patent/AU2001273249A1/en
Publication of WO2002005077A2 publication Critical patent/WO2002005077A2/en
Publication of WO2002005077A3 publication Critical patent/WO2002005077A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2141—Access rights, e.g. capability lists, access control lists, access tables, access matrices

Abstract

A method and system for electronically accessing accounts, such as financeal accounts, and authorizing transactions using a biometric sample. This method and system involves a comparison of a previously recorded biometric sample such as a signature, fingerprint, voice print, retina, iris or facial scan collected from the authorized user and stored prior to an intended electronic transaction with the biometric sample submitted to initiate the request to access the account(s) and authorize the electronic transaction. The recorded biometric sample is used as the sole criteria to initiate the request to access the account and authorize the intended electronic transaction. This method and system is particularly suitable for various types of commercial electronic transactions between a buyer and seller, as well as financial transactions involving cash withdrawal and deposit from a user's account.
PCT/US2001/021485 2000-07-07 2001-07-06 Method and system for using biometric sample to electronically access accounts and authorize transactions WO2002005077A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001273249A AU2001273249A1 (en) 2000-07-07 2001-07-06 Method and system for using biometric sample to electronically access accounts and authorize transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US21681000P 2000-07-07 2000-07-07
US60/216,810 2000-07-07
US66150800A 2000-09-13 2000-09-13
US09/661,508 2000-09-13

Publications (2)

Publication Number Publication Date
WO2002005077A2 WO2002005077A2 (en) 2002-01-17
WO2002005077A3 true WO2002005077A3 (en) 2003-12-31

Family

ID=26911359

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/021485 WO2002005077A2 (en) 2000-07-07 2001-07-06 Method and system for using biometric sample to electronically access accounts and authorize transactions

Country Status (2)

Country Link
AU (1) AU2001273249A1 (en)
WO (1) WO2002005077A2 (en)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7762457B2 (en) * 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
EP1418483A1 (en) * 2002-08-23 2004-05-12 Siemens Aktiengesellschaft Examination and grant of use authorizations
JP2007143879A (en) * 2005-11-28 2007-06-14 Aruze Corp Inter-machine device, management server, credit balance adjuster, and game system
CN101330914A (en) * 2005-12-16 2008-12-24 爱尔康公司 Control of intraocular pressure using ALK5 modulation agents
DE102009055947A1 (en) 2009-11-30 2011-06-01 Christoph Busch Authenticated transmission of data
US9330513B2 (en) 2013-05-31 2016-05-03 Microsoft Technology Licensing, Llc Resource management based on biometric data
US9686274B2 (en) 2013-10-11 2017-06-20 Microsoft Technology Licensing, Llc Informed implicit enrollment and identification
GB2525660A (en) * 2014-05-01 2015-11-04 Mastercard International Inc Methods, devices and systems for transaction initiation
US10521662B2 (en) 2018-01-12 2019-12-31 Microsoft Technology Licensing, Llc Unguided passive biometric enrollment
WO2022026662A1 (en) * 2020-07-31 2022-02-03 Mastercard International Incorporated Biometric tokenized networks

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5386104A (en) * 1993-11-08 1995-01-31 Ncr Corporation System and method for detecting user fraud in automated teller machine transactions
WO1998023062A1 (en) * 1996-11-22 1998-05-28 T-Netix, Inc. Voice recognition for information system access and transaction processing
WO1999028847A1 (en) * 1997-11-28 1999-06-10 Diebold, Incorporated Financial transaction apparatus and method that identifies an authorized user's appearance and voice
WO1999031621A1 (en) * 1997-12-17 1999-06-24 Smarttouch, Inc. Tokenless financial access system
EP0986209A2 (en) * 1998-09-11 2000-03-15 Mitsubishi Denki Kabushiki Kaisha Remote authentication system
WO2000017823A1 (en) * 1998-09-22 2000-03-30 Siemens Aktiengesellschaft Method and device for verifying the authorization to log onto a system

Family Cites Families (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5144680A (en) 1985-03-01 1992-09-01 Mitsubishi Denki Kabushiki Kaisha Individual identification recognition system
DE3679819D1 (en) 1986-05-06 1991-07-18 Siemens Ag ARRANGEMENT AND METHOD FOR DETERMINING THE AUTHORIZATION OF PERSONS BY CHECKING YOUR FINGERPRINTS.
US4821118A (en) 1986-10-09 1989-04-11 Advanced Identification Systems, Inc. Video image system for personal identification
CA2004457A1 (en) 1988-12-06 1990-06-06 Seigo Igaki Minutia data extraction in fingerprint identification
JP2557510B2 (en) 1988-12-29 1996-11-27 株式会社東芝 Personal authentication device
US5095194A (en) 1989-10-12 1992-03-10 Joseph Barbanell Holographic credit card with automatical authentication and verification
KR930005570B1 (en) 1989-11-13 1993-06-23 주식회사 금성사 Fingerprinter recognition system using hologram
US4993068A (en) 1989-11-27 1991-02-12 Motorola, Inc. Unforgeable personal identification system

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5386104A (en) * 1993-11-08 1995-01-31 Ncr Corporation System and method for detecting user fraud in automated teller machine transactions
WO1998023062A1 (en) * 1996-11-22 1998-05-28 T-Netix, Inc. Voice recognition for information system access and transaction processing
WO1999028847A1 (en) * 1997-11-28 1999-06-10 Diebold, Incorporated Financial transaction apparatus and method that identifies an authorized user's appearance and voice
WO1999031621A1 (en) * 1997-12-17 1999-06-24 Smarttouch, Inc. Tokenless financial access system
EP0986209A2 (en) * 1998-09-11 2000-03-15 Mitsubishi Denki Kabushiki Kaisha Remote authentication system
WO2000017823A1 (en) * 1998-09-22 2000-03-30 Siemens Aktiengesellschaft Method and device for verifying the authorization to log onto a system

Also Published As

Publication number Publication date
AU2001273249A1 (en) 2002-01-21
WO2002005077A2 (en) 2002-01-17

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