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US 2003/0172027 A1Published application
Method for conducting a credit transaction using biometric information
OwnerWalter G. Scottinventor
Life of this patent
Estimating the term…
Abstract
Biometric information is obtained from an individual during a credit transaction and used to verify the identity of the individual prior to completing the transaction in order to prevent the unauthorized use of the credit account. The print identification data is obtained from the individual using an identification device and sent to an identity verification service for a determination about the individual's identity. The credit account number is obtained from the individual and sent to a payment approval service.
Claims20
A method for conducting secure credit transactions, comprising:
- (1) establishing communications between an identification device and a transaction terminal;
- (2) receiving, at the transaction terminal from the identification device, print identification data for an individual wanting to make a purchase using credit, the print identification data having been obtained from the individual using the identification device;
- (3) sending the print identification data received at the transaction terminal to an identity verification service for a determination of the individual's identity, the determination being based on a comparison of the print identification data to data stored in a database;
- (4) receiving, at the transaction terminal from the identification device, a credit account number to be used to make the purchase;
- (5) sending the credit account number received at the transaction terminal and information about the purchase to a payment approval service;
- (6) receiving, at the transaction terminal, verification data about the individual's identity and authorization data about the individual's ability to pay for the purchase using credit;
- and
- (7) making a determination whether to complete the purchase based on the received verification data and the received authorization data.
5 more elements
A method for conducting secure credit transactions, comprising:
- (1) receiving, at a transaction terminal from an identification device, print identification data for an individual wanting to make a purchase using credit, the print identification data having been obtained from the individual using the identification device;
- (2) sending the print identification data received at the transaction terminal to an identity verification service for a determination of the individual's identity, the determination being based on a comparison of the print identification data to data stored in a database;
- (3) receiving, at the transaction terminal from the identity verification service, verification data about the individual's identity;
- (4) if the verification data indicates the individual's identity has been verified, sending a request for a credit account number from the transaction terminal to the identification device;
- (5) receiving, at the transaction terminal from the identification device, a credit account number to be used to make the purchase;
- (6) sending the credit account number received at the transaction terminal and information about the purchase to a payment approval service;
- (7) receiving, at the transaction terminal, authorization data from the payment approval service about the individual's ability to pay for the purchase using credit;
- and
- (8) making a determination whether to complete the purchase based on the received verification data and the received authorization data.
6 more elements
Dependencies are inferred from the claim text.