Data processing: financial – business practice – management – or co – Business processing using cryptography – Secure transaction
Reexamination Certificate
2011-05-24
2011-05-24
Hewitt, II, Calvin L (Department: 3685)
Data processing: financial, business practice, management, or co
Business processing using cryptography
Secure transaction
C235S380000
Reexamination Certificate
active
07949609
ABSTRACT:
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.
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Craig Royal W.
Hewitt II Calvin L
Ober / Kaler
Qayyum Zeshan
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