System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse

A computer system device for tokenless biometric processing of electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse, comprising:

• a. a biometric input apparatus, for providing a bid or registration biometric sample of a user to the electronic identicator, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user;
• b. an electronic rule module clearinghouse, having at least one rule module further comprising at least one pattern data of the user associated with at least one execution command of the user, for executing at least one electronic transmission;
• c. an electronic identicator, for comparing the bid biometric sample with registered biometric samples of users;
• d. a command execution module, for invoking at least one previously designated execution command in the electronic rule module clearinghouse to execute an electronic transmission;
• wherein no smartcards or magnetic swipe cards are presented by the user to conduct the electronic transmission.

A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, and at least one computer including an electronic identicator and an electronic rule module clearinghouse, said method comprising the steps of:

• a. a primary and subordinated user registration step, wherein a primary and subordinated user each register with an electronic identicator at least one registration biometric sample taken directly from the person of the primary and subordinated user via a biometric sensor, respectively;
• b. formation of a rule module customized to the primary and subordinated user in a rule module clearinghouse, wherein at least one pattern data of the primary and subordinated user is stored in the computer in association with at least one execution command of the primary and subordinated user, the rule module customized to the primary user is customizable by the primary user and the rule module customized to the subordinated user is customizable by the subordinated user;
• c. a subordinated user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the subordinated user via a biometric sensor with at least one previously registered biometric sample for producing either a successful or failed identification of the subordinated user;
• d. a subordination step wherein upon successful identification of the subordinated user, the pattern data of the subordinated user is searched to determine if any of the subordinated user's rule modules is subordinated to at least one of the primary user's rule modules;
• and
• e. a command execution step, wherein upon the successful identification of the subordinated user and the determination that at least one of the subordinated user's rule modules is subordinated to at least one of the primary user's rule modules, at least one previously designated execution command of the primary user is invoked by the electronic rule module clearinghouse to execute at least one electronic transmission;
• wherein a biometrically authorized electronic transmission is conducted without the primary and subordinated user presenting smartcards or magnetic swipe cards.

A biometric method implemented in a computer system for processing electronic transmissions, comprising:

• registering in the computer system at least one registration biometric sample taken directly from a user via a biometric sensor;
• forming a rule module customized to the user in a rule module clearinghouse stored in the computer system, the rule module associating at least one pattern data of the user with at least one execution command of the user;
• comparing a bid biometric sample subsequently taken directly from the person of the user via a biometric sensor with at least one previously registered biometric sample for producing either a successful or failed match;
• and
• invoking a rule module of the user upon a successful match to execute at least one electronic transmission from the computer system.

A biometric method implemented in a computer system for processing electronic transmissions, comprising:

• registering in the computer system at least one primary registration biometric sample taken via a biometric sensor directly from a primary user;
• registering at least one secondary registration biometric sample taken via a biometric sensor directly from a secondary user;
• forming a primary rule module customized to the primary user in a rule module clearinghouse stored in the computer system, the primary rule module associating at least one primary pattern data of the primary user with at least one primary execution command of the primary user;
• forming a secondary rule module customized to the secondary user in the rule module clearinghouse stored in the computer system, the secondary rule module associating at least one secondary pattern data of the user with at least one secondary execution command of the secondary user;
• subordinating the secondary rule module to the primary rule module;
• comparing a bid biometric sample taken via a biometric sensor directly from the person of the secondary user with at least one previously registered biometric sample for producing either a successful or failed match;
• determining that the secondary rule module is subordinated to the primary rule module;
• and
• invoking the primary rule module of the primary user upon a successful match to execute at least one electronic transmission from the computer system.

A computer system device for biometric processing of electronic transmissions, comprising:

• a biometric input apparatus, for providing a bid or registration biometric sample of a user;
• an electronic rule module clearinghouse, having at least one rule module including at least one pattern data of the user associated with at least one execution command of the user;
• an electronic identicator, to compare at least one registration biometric sample stored in the electronic identicator with a bid biometric sample to produce either a successful or failed match;
• and
• a command execution module, responsive to a successful match to invoke at least one execution command in the electronic rule module clearinghouse to execute an electronic transmission.

A method for authorizing access to data at a third party Internet location, the method comprising:

• receiving a biometric sample from a user at a terminal coupled to the Internet;
• matching the biometric sample with a registered biometric of the user;
• transmitting at least one access key to the terminal;
• receiving a request to validate the at least one access key from the third party Internet location that has received a request from the terminal to access data residing at the third party Internet location;
• confirming the validity of the at least one access key received from the request of the third party Internet location;
• and
• transmitting to the third party Internet location the user's account access information relating to the third party Internet location, whereby the user is permitted to access data residing at the third party Internet location.

A biometric authentication method in a computer system for performing actions on data stored at a remote site, the method comprising

• a. receiving a biometric ample from a user via a biometric sensor;
• b. matching the biometric sample with a registered biometric of the user stored in the computer system;
• c. transmitting to a rule module clearinghouse component stored in the computer system a user identification code associated with the registered biometric of the user;
• d. identifying at the rule module clearinghouse component at least one rule module associated with the user identification code;
• e. extracting data stored in the computer system that is associated with the user and pertains to the least one rule module;
• and
• f. the computer system performing at least one action with the extracted data, such action defined by the rule module.