Biometric tokenless electronic rewards system and method

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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;
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. an external communications step, wherein a computer system communicates with one or more external computer systems in order to perform various functions, including determining if the recipient has multiple rewards that are linked to certain purchases,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens, the recipient is co-located with the reward provider, and transaction proposals and other information is transmitted from reward provider to recipient and vice versa using an intranet.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens, the recipient is remote from the reward provider, and transaction proposals and other information is transmitted from reward provider to recipient and vice versa using the Internet.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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;
• d. a recipient rewards issuance step, wherein the rewards provider issued electronic rewards to the successfully identified recipient;
• and
• e. a fraud detection step, wherein:
• 1. the biometric samples of individuals who have previously attempted fraud upon an identification computer system are stored within a fraud biometric database;
• and
• 2. the biometric samples of individuals registering with the system are compared against the biometric samples in the fraud biometric sample database to screen for fraud attempts,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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;
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. a recipient PIN creation step, comprising:
• 1. a recipient PIN selection step, wherein the recipient selects a PIN;
• 2. a biometric comparison step, wherein a computer system then conducts a comparison of the biometric gathered from the recipient with any biometrics already grouped with the selected PIN, such a grouping of any biometrics associated with the same PIN defining a PIN basket;
• 3. in the event the new registrant's biometric is too similar to any of the registered biometrics currently in the selected PIN basket, that PIN is rejected and an alternative PIN is selected by the recipient for another such biometric comparison;
• and
• 4. once the computer system is presented with a PIN basket that has no confusingly similar biometrics, the new registrant's biometric is stored in that PIN basket,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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;
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. a recipient PIN selection step, wherein the recipient selects a PIN from several generated for him by a computer system as follows, comprising:
• 1. an automatic comparison step, wherein a comparison of the new registrant's biometric with any biometrics resident in various PIN baskets is automatically conducted;
• and
• 2. a selection step, wherein several PIN options without a confusingly similar biometric are presented to the new registrant from which the recipient may select one PIN,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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;
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. rapid search of previously stored biometric samples from individuals using at least two biometric baskets, at least one biometric basket containing at least two algorithmically unique biometric samples from different individuals, as follows:
• 1. a storage step further comprising gathering a biometric from an individual;
• 2. a selection step, wherein a recipient's personal identification number is selected that indexes a biometric basket;
• 3. a comparison step, wherein the biometric sample gathered from said individual is compared with all previously stored biometric samples in the biometric basket to make sure that the biometric sample gathered from the individual is algorithmically unique from all biometric samples currently stored in said biometric basket, for producing a successful or failed uniqueness result;
• and
• 4. upon return of a successful uniqueness result, the gathered biometric sample is stored in the selected biometric basket,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. converting a raster image of a biometric sample to vector lines in order to generate an identification value for the biometric sample;
• d. a tokenless recipient identification step, 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
• e. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a use-sensitive tokenless identification step for rapidly determining a frequent user's identity by performing a comparison of the frequent user's biometric with another frequent user biometric stored in a local computer which contains a subset of the total system's biometric samples for producing either a successful or failed identification of the recipient;
• and
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A 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, comprising:

• a. 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 an occurrence of predetermined criteria, thus forming a rewards registry;
• b. a recipient registration step, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. a tokenless recipient identification step, 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;
• d. a recipient rewards issuance step, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. a computer system authenticator step, comprising a private code, distinct from a personal identification number and not used to gain access to the computer system, previously gathered from the user and recorded in the central computer data bases, and presented to only the user after an identification attempt, whereby the user is assured that the authentic computer system was used to process the account access because a false computer system would not be able to present the customer's private code,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising;

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for electronic rewards calculation, wherein upon the successful identification of the recipient, the recipient's rewards are calculated resultant from the recipient's product purchases pursuant to a reward provider's proposed commercial transaction and pursuant to a recipient purchasing registry;
• e. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• f. means for recipient notification, wherein pursuant to a consummation of the commercial transaction, the recipient is notified of the results of the electronic rewards calculation,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• e. means for external communications, wherein a computer system communicates with one or more external computer systems in order to perform various functions, including determining if the recipient has multiple rewards that are linked to certain purchases,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens, the recipient is co-located with the reward provider, and transaction proposals and other information is transmitted from reward provider to recipient and vice versa using an intranet.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens, the recipient is remote from the reward provider, and transaction proposals and other information is transmitted from reward provider to recipient and vice versa using the Internet.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. means for fraud detection, comprising:
• 1. means for data storage, wherein the biometric samples of recipients who have previously attempted fraud upon an identification computer system are stored within a fraud biometric database;
• and
• 2. means for biometric comparison, wherein the biometric samples of those recipients registering with the system are compared against the biometric samples in the fraud biometric sample database to screen for fraud attempts,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. means for the recipient to create his own PIN, comprising:
• 1. means for recipient PIN selection, wherein the recipient selects a PIN;
• 2. means for biometric comparison, wherein a computer system then conducts a comparison of the biometric gathered from the recipient with any biometrics already grouped with the selected PIN, such a grouping of any biometrics associated with the same PIN defining a PIN basket;
• 3. means for rejecting the selected PIN in the event the new registrant's biometric is too similar to any of the registered biometrics currently in the selected PIN basket;
• and
• 4. means for storage, wherein once the computer system is presented with a PIN basket that has no confusingly similar biometrics, the new registrant's biometric is stored in that PIN basket,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. means for the recipient to select a PIN from several generated for him by a computer system, comprising:
• 1. means for automatic comparison, wherein a comparison of the new registrant's biometric with any biometrics resident in various PIN baskets is automatically conducted;
• and
• 2. means for selection, wherein several PIN options without a confusingly similar biometric are presented to the new registrant from which the recipient may select one PIN,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. means for rapid search of previously stored biometric samples from individuals, using at least two biometric baskets, at least one biometric basket containing at least two algorithmically unique biometric samples from different individuals, comprising:
• 1. means for storage of a biometric gathered from an individual;
• 2. means for PIN selection, wherein a recipient's personal identification number is selected that indexes a biometric basket;
• 3. means for comparison, wherein the biometric sample gathered from said individual recipient is compared with all previously stored biometric samples in the biometric basket to make sure that the biometric sample gathered from the individual recipient is algorithmically unique from all biometric samples currently stored in said biometric basket, for producing a successful or failed uniqueness result;
• and
• 4. means for biometric storage, wherein upon return of a successful uniqueness result, the gathered biometric sample is stored in the selected biometric basket,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for conversion a raster image of a biometric sample to vector lines in order to generate an identification value for the biometric sample;
• d. means for tokenless 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;
• e. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for use-sensitive tokenless identification, wherein a frequent user's identity is rapidly determined by performance of a comparison of the frequent user's biometric with other frequent user biometric stored in a local computer which contains a subset of the total system's biometric samples for producing either a successful or failed identification of the recipient;
• d. means for tokenless 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
• e. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. means for computer system authentication, comprising a private code, distinct from a personal identification number and not used to gain access to a computer system, previously gathered from the user and recorded in the central computer data bases, and presented to only the user after an identification attempt, whereby the user is assured that the authentic computer system was used to process the account access because a false computer system would not be able to present the customer's private code,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A system 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, comprising:

• a. means 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 an occurrence of predetermined criteria;
• b. means for recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data;
• c. means for tokenless 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;
• d. means for recipient rewards issuance, wherein the rewards provider issues electronic rewards to the successfully identified recipient;
• and
• e. fraud detector engine further comprising a fraud biometric comparator and fraud biometric data bases containing a subset of the biometric samples stored in the master Computer,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipients bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. an electronic rewards calculation device for calculating the recipient's rewards resultant from the recipient's product purchases pursuant to a reward provider's proposed commercial transaction and pursuant to a recipient purchasing registry, upon the successful identification of the recipient;
• e. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• f. a recipient notification device for notifying the recipient of the results of the electronic rewards calculation pursuant to a consummation of the commercial transaction,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. an external communications device for a computer system to communicate with one or more external computer systems in order to perform various functions including determining if the recipient has multiple rewards that are linked to certain purchases,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• and
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens, the recipient is co-located with the reward provider, and transaction proposals and other information is transmitted from reward provider to recipient and vice versa using an intranet.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• and
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens, the recipient is remote from the reward provider, and transaction proposals and other information is transmitted from reward provider to recipient and vice versa using the Internet.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a fraud detection device, comprising:
• 1. a data storage device, for storing the biometric samples of individuals who have previously attempted fraud upon an identification computer system within a fraud biometric database;
• and
• 2. a biometric comparison device, for comparing the biometric samples of those individuals registering with the system against the biometric samples in the fraud biometric sample database to screen for fraud attempts,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a device for the recipient to create his own PIN, comprising:
• 1. a recipient PIN selection device for the recipient to select a PIN;
• 2. a biometric comparison device for a computer system to conduct a comparison of the biometric gathered from the recipient with any biometrics already grouped with the selected PIN, such a grouping of any biometrics associated with the same PIN defining a PIN basket;
• 3. a PIN rejection device for rejecting the selected PIN in the event the new registrant's biometric is too similar to any of the registered biometrics currently in the selected PIN basket;
• and
• 4. a storage device for storing the new registrant's biometric in the PIN basket when the computer system is presented with a PIN basket that has no confusingly similar biometrics,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a recipient PIN selection device for the recipient to select a PIN from several generated for him by a computer system, comprising:
• 1. an automatic comparison device for automatically comparing the new registrant's biometric with any biometrics resident in various PIN baskets;
• and
• 2. a selection device for the recipient to select one PIN from several PIN options without a confusingly similar biometric which are presented to the next registrant,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a fraud prevention device for changing the PIN basket in which the person's biometric samples reside is changed to prevent fraudulent use of the biometric sample to authorize transactions,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a rapid search device for rapidly searching previously stored biometric samples from individuals, using at least two biometric baskets, at least one biometric basket containing at least two algorithmically unique biometric samples from different individuals, comprising:
• 1. a storage device for registration of a biometric gathered from an individual;
• 2. a PIN selection device for selecting an individual's personal identification number that indexes a biometric basket;
• 3. a comparison device for comparing the biometric sample gathered from said recipient with all previously stored biometric samples in the biometric basket to make sure that the biometric sample gathered from the individual is algorithmically unique from all biometric samples currently stored in said biometric basket, for producing a successful or failed uniqueness result;
• and
• 4. a biometric storage device for storing the gathered biometric sample in the selected biometric basket, upon return of a successful uniqueness result,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a conversion of a raster image of a biometric sample to vector lines in order to generate an identification value for the biometric sample;
• d. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• and
• e. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a use-sensitive tokenless identification device, for rapidly determining a frequent user's identity by performance of a comparison of the frequent user's biometric with other frequent user biometric stored in a local computer which contains a subset of the total system's biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a computer system authentication device, comprising a private code, distinct from a personal identification number and not used to gain access to a computer system previously gathered from the user and recorded in the central computer data bases, and presented to only the user after an identification attempt, for the user to be assured that the authentic computer system was used to process the account access because a false computer system would not be able to present the customer's private code,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.

A device 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, comprising:

• a. an electronic registry device for storing a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon an occurrence of predetermined criteria;
• b. a recipient registration device for registration of at least one registration biometric sample and recipient specific data with the electronic identicator;
• c. a tokenless recipient identification device for comparing a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient;
• d. a recipient rewards issuance device for the rewards provider issuing electronic rewards to the successfully identified recipient;
• and
• e. a fraud detector device further comprising a fraud biometric comparator and fraud biometric data bases containing a subset of the biometric samples stored in the master computer,
• wherein an electronic consumer rewards transaction is conducted without the recipient using any tokens.