Method of using personal device with internal biometric in conducting transactions over a network

A fingerprint authentication device comprising:

• a card including a memory that stores a fingerprint in encrypted format;
• the card further including a fingerprint sensor that receives a fingerprint of a user,
• the card further including a processor to compare the stored fingerprint with the fingerprint of the user scanned by the fingerprint sensor,
• the fingerprint authentication device is operable to initiate a transaction, over a network, with a second computer associated with a provider of goods or services, to generate authentication information if the user's fingerprint matches the stored fingerprint, to transmit the authentication information to a third computer associated with a managing entity, and to process the transaction when the authentication information is valid, wherein the stored fingerprint remains in the fingerprint authentication device in order to perform subsequent matches in the card of the fingerprint authentication device.

A computer readable medium comprising instructions, which when executed by a processor, performs a method comprising:

• initiating, over a network by a first computer, a transaction with a second computer provider of goods or services;
• storing an encrypted fingerprint in memory of a fingerprint authentication card for authenticating a user's fingerprint, the encrypted fingerprint being stored such that the stored fingerprint may be used to perform multiple authentications in the fingerprint authentication card;
• in response to initiating the transaction, receiving, from the second computer, a request to authenticate the user as being authorized to complete the transaction;
• after receiving the request to authenticate, receiving authentication information from the fingerprint authentication card when the user's fingerprint matches the stored fingerprint stored in the fingerprint authentication card;
• transmitting the authentication information to a third computer associated with a managing entity;
• and
• processing the transaction when the authentication information is valid.

A system comprising:

• a card comprising memory storing a fingerprint for authenticating a user's fingerprint in encrypted form such that the stored fingerprint may be used to perform multiple authentications in the fingerprint authentication card, the card further comprising a processor operable to:
• receive a scanned fingerprint;
• compare the stored fingerprint to the scanned fingerprint;
• and
• generate authentication information based on whether the user's fingerprint matches the stored fingerprint stored in the fingerprint authentication card;
• a computer in communication with the card, the computer comprising a processor operable to:
• initiate, over a network, a transaction with a second computer provider of goods or services;
• in response to initiating the transaction, receive, from the second computer, a request to authenticate the user as being authorized to complete the transaction;
• after receiving the request to authenticate, receive authentication information from the authentication information from the card;
• transmit the authentication information to a third computer associated with a managing entity;
• and
• process the transaction when the authentication information is valid.