Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Including point of sale terminal or electronic cash register
Reexamination Certificate
2000-03-26
2003-07-08
Bartuska, F. J. (Department: 3627)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Including point of sale terminal or electronic cash register
C235S382000
Reexamination Certificate
active
06591249
ABSTRACT:
BACKGROUND OF THE INVENTION
1. Field of the Invention
The present invention relates generally to biometric identification systems and, more specifically, to a method and device for providing willing participants, having credit card worthiness, with a credit card which uses subscribers supplied biometric information as the preferred means for verifying the identity of the credit card user during credit card purchase transactions with those vendors/online merchants displaying the Touch Scan Logo on their websites and/or retail outlets.
Touch Scan or an affiliated organization will accept credit card applications from interested parties. Touch Scan or its affiliates will verify credit worthiness. Upon issuance and acceptance of the credit card terms and conditions the credit card user will submit through secure channels personal biometric information which will be stored by Touch Scan along with other relevant credit card information, such as card number. During credit card purchases, the credit card user will submit the credit card number and biometric data procured during the purchase transaction which will be compared to stored biometric data to authenticate the credit card user as the authorized user of said issued credit card.
In addition, the present invention will offer to all interested parties a credit/debit card purchases identification verification system for pre-existing credit/debit cards. Willing participants will submit biometric information to Touch Scan whereby said biometric data will be used, in similar fashion as aforementioned, as identification verification during credit/debit card purchases.
Furthermore, the present invention will offer to willing credit card companies and banks a biometric verification service for their clients whereby their clients can submit biometric information to Touch Scan and their selective account(s) will be flagged for biometric sampling to complete credit/debit card transactions.
2. Description of the Prior Art
There are other credit/debit card systems designed for identification purposes. Typical of these is U.S. Pat. No. 5,224,173 issued to Kuhns et al. on Jun. 29, 1973.
Another patent was issued to Sime on Jan. 31, 1995 as U.S. Pat. No. 5,386,104. Yet another U.S. Pat. No. 5,787,186 was issued to Schroeder on Jul. 28, 1998 and still yet another was issued on Feb. 9, 1999 to Meadows II, et al. as U.S. Pat. No. 5,869,822.
Another patent was issued to Pare Jr., et al. on Feb. 9, 1999 as U.S. Pat. No. 5,870,723. Yet another U.S. Pat. No. 5,892,824 was issued to Beatson et al. on Apr. 6, 1999. Another was issued to Yu et al. on Jul. 27, 1999 as U.S. Pat. No. 5,930,804 and still yet another was issued on Aug. 3, 1999 to Pu et al. as U.S. Pat. No. 5,933,515.
U.S. Pat. No. 5,224,173
Inventor: Roger J. Kuhns et al.
Issued: Jun. 29, 1993
A current applicant for a government benefit presents a fingerprint signature to a large data bank to determine if his signature is already in the data bank, to thus indicate fraud. His fingerprint is rapidly machine correlated with the fingerprints of prior approved applicants and a number of close matches are thereafter visually examined by a human operator to definitively determine whether the current applicant's fingerprint is already in the data bank. However, a coarse biometric index (CBI) of the current applicant is first compared with all CBIs of approved applicants and only a tiny percentage of positive CBI matches result in the correlation of fingerprints and visual examination by the human operator, thereby to save huge amounts of human matching time and cost. The result is reliable and economical scanning of huge data banks such as the Social Security data base. The CBI can display facial images and eliminate fingerprints altogether if desired.
U.S. Pat. No. 5,386,104
Inventor: Iain R. F. Sime
Issued: Jan. 31, 1995
A self-service automated teller system includes a fraud detection module which uses a biometric recognition technique, such as voice or fingerprint recognition, in combination with predictive technology. The biometric recognition test is normally decisive, but if this test produces a result which is close to a predetermined threshold, the predictive technology checks to determine whether the transaction is consistent with the user's normal behavior before permitting the transaction to proceed. A suspicion count may also be included in the decision-making process, to determine whether or not the user has a previous record of suspicious transactions.
U.S. Pat. No. 5,787,186
Inventor: Carlos Cobian Schroeder
Issued: Jul. 28, 1998
A biometric security procedure for manufacturing an identity document, such as an identity card, credit card, visa or passport, which includes the steps of: providing a nucleus of the identity document, the nucleus including personal data of a holder of the identity document and a face image of the holder; carrying out, by a computer and an image capturer such as a scanner or a video camera, an analysis of face features of the face image, the computer carrying out an analysis of basic face features of the face image, comparing the basic face features with master/pattern features in a data base, wherein each master/pattern feature has a specific number; obtaining by the analysis a derived set of master/pattern features that corresponds to a characteristic synthetic image of the holder, the derived set of master/pattern features corresponding to a specific numeric code determined by the number of each of the master/pattern features making up the derived set of master/pattern features; and printing the specific numeric code by a printer connected to the computer, on an area of the identity document defined as a code window, whereby the specific numeric code univocally characterizes the holder of the identity document.
U.S. Pat. No. 5,869,822
Inventor: Dexter L. Meadows II, et al.
Issued: Feb. 9, 1999
An automated fingerprint identification system (
10
), which utilizes an encoded identification card, such as a credit card (
12
). When a person applies for a credit card (
12
) they must register a finger of their choice with the card issuance company. At the company, the finger is scanned and a composite number (
14
) is produced that consists of several fingerprint identifying parameters. The composite number (
14
), corresponding to the fingerprint is encoded onto the card (
12
) and is also stored in a card database (
50
) and/or a server database (
52
). When a person wants to use the card (
12
), the card (
12
) is inserted into a card reader (
22
) and the person's finger is scanned by a fingerprint scanner (
24
) which produces a composite number (
14
) that is compared with the composite number (
14
) in the card or server database (
50
,
52
). If the two composite numbers (
14
) are similar, use of the card is allowed. Conversely, if they are not similar, use of the card is disallowed.
U.S. Pat. No. 5,870,723
Inventor: David Ferrin Pare Jr., et al.
Issued: Feb. 9, 1999
A method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. A transaction is proposed by a seller, and the buyer signals his acceptance by entering his personal authentication information comprising a PIN and at least one biometric sample, forming a commercial transaction message. The commercial transaction message is forwarded to the computer system, where the computer system compares the personal authentication information in the commercial transaction message with previously registered buyer biometric samples. If the computer system successfully identifies the buyer, a financial account of the buyer is debited and a financial account of the seller is credited, and the results of the transaction are presented to both buyer and seller. As a result of the invention, a buyer can conduct commercial transactions without having to use any tokens such as portable man-made memory devices such as smartcards or swipe cards. The invention allows buyers to quickly select one of a group of different financial acco
Bartuska F. J.
Kroll Michael I
LandOfFree
Touch scan internet credit card verification purchase process does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Touch scan internet credit card verification purchase process, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Touch scan internet credit card verification purchase process will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3054241