Tokenless biometric electronic transactions using an audio signature to identify the transaction processor

Abstract

The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user. A stored audio signature is associated with a transaction processor entity, which the transaction processor entity is responsible for conducting the electronic transaction. A sound generator generates an analog or digital signal from the stored audio signature, and a transducer converts the analog or digital signal to a play back audio signature. This invention generates a play back audio signature from the stored audio signature that is associated with the transaction processor entity and the play back audio signature is played back to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no man made personal devices such as credit cards, identity cards or the like is used during the identification process for conducting the electronic transaction.

1 - 12 . (canceled)  
     
     
         13 . A biometric identification computer system, comprising: 
 at least one database containing registered biometric samples of users;    a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user to identify the user conducting an electronic transaction;    a stored audio signature, wherein the stored audio signature is associated with a transaction processor entity, the transaction processor entity conducting the electronic transaction;    a sound generator for generating an analog or digital signal from the stored audio signature;    a transducer for converting the analog or digital signal to a play back audio signature; and    means for playing back the play back audio signature to the user to identify the transaction processor entity that conducted the electronic transaction.    
     
     
         14 . The system of  claim 13 , wherein the play back audio signature is in the form of an audio sound wave comprising one or more of the following: a tone, a musical fragment, speech, phonation, and a song.  
     
     
         15 . The system of  claim 13 , wherein the bid biometric sample comprises any of the following: a fingerprint, a voice print, an iris scan, a retinal scan, and a facial image.  
     
     
         16 . The system of  claim 13 , wherein the transaction processor entity comprises any of the following: a retailer, a bank, a credit association, a stored value system, and an internet payment entity.  
     
     
         17 . A biometric identification computer system, comprising: 
 at least one database containing registered biometric samples of users;    a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user;    a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with a transaction processor entity, the transaction processor entity associated with the first stored audio signature conducting the electronic transaction;    a sound generator for generating an analog or digital signal from the first stored audio signature; and    a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature in the form of an audio sound wave comprising one or more of the following: a tone, a musical fragment, speech, phonation, and a song, and capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction.    
     
     
         18 . A biometric identification computer system, comprising: 
 at least one database containing registered biometric samples of users;    a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user, the bid biometric sample comprising any of the following: a fingerprint, a voice print, an iris scan, a retinal scan, and a facial image;    a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with a transaction processor entity, the transaction processor entity associated with the first stored audio signature conducting the electronic transaction;    a sound generator for generating an analog or digital signal from the first stored audio signature; and    a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction.    
     
     
         19 . A biometric identification computer system, comprising: 
 at least one database containing registered biometric samples of users;    a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user;    a stored audio signature data bank, wherein the audio signature databank contains at least a first stored audio signature and a second stored audio signature, each audio signature associated with a transaction processor entity, the transaction processor entity associated with the first stored audio signature conducting the electronic transaction and comprising any of the following: a retailer, a bank, a credit association, a stored value system, and an internet payment entity;    a sound generator for generating an analog or digital signal from the first stored audio signature; and    a transducer for converting the analog or digital signal to a play back audio signature, the play back audio signature capable of being played back to the user to identify the transaction processor entity that conducted the electronic transaction.    
     
     
         20 . A method of identification of a transaction processor entity to a user of a biometric identification computer system, comprising the steps of: 
 obtaining a bid biometric sample from the user's person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user;    registering a stored audio signature associated with a transaction processor entity with the identification computer system;    generating an analog or digital signal from the stored audio signature;    converting the analog or digital signal to a play back audio signature; and    playing back the play back audio signature to the user to identify the transaction processor that conducted the electronic transaction.    
     
     
         21 . The method of  claim 20 , wherein the bid biometric sample comprises any of the following: a fingerprint, a voice print, an iris scan, a retinal scan, and a facial image.  
     
     
         22 . The method of  claim 20 , wherein the transaction processor entity comprises any of the following: a retailer, a bank, a credit association, a stored value system, and an internet payment entity.  
     
     
         23 . A method of identification of a transaction processor entity to a user of a biometric identification computer system, comprising the steps of: 
 obtaining a bid biometric sample from the user's person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user, the bid biometric sample comprising any of the following: a fingerprint, a voice print, an iris scan, a retinal scan, and a facial image;    registering a stored audio signature associated with a transaction processor entity with the identification computer system;    storing the stored audio signature in a stored audio signature data bank, the stored audio signature data bank including at least a second stored audio signature;    generating an analog or digital signal from the stored audio signature;    converting the analog or digital signal to a play back audio signature; and    playing back the play back audio signature to the user to identify the transaction processor that conducted the electronic transaction.    
     
     
         24 . A method of identification of a transaction processor entity to a user of a biometric identification computer system, comprising the steps of: 
 obtaining a bid biometric sample from the user's person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user;    registering a stored audio signature associated with a transaction processor entity with the identification computer system;    storing the stored audio signature in a stored audio signature data bank, the stored audio signature data bank including at least a second stored audio signature;    generating an analog or digital signal from the stored audio signature;    converting the analog or digital signal to a play back audio signature; and    playing back the play back audio signature to the user to identify the transaction processor that conducted the electronic transaction, the transaction processor that conducted the transaction comprising any of the following: a retailer, a bank, a credit association, a stored value system, and an internet payment entity.    
     
     
         25 . The system of  claim 13 , wherein: 
 the database includes at least two biometric baskets, each biometric basket including a subset of the registered biometric samples and identified by a biometric basket code; and    the comparator is operative to compare the bid biometric sample of the user with the registered biometric samples in one of the biometric baskets, the biometric basket selected using a biometric basket code provided by the user.    
     
     
         26 . The system of  claim 17 , wherein: 
 the database includes at least two biometric baskets, each biometric basket including a subset of the registered biometric samples and identified by a biometric basket code; and    the comparator is operative to compare the bid biometric sample of the user with the registered biometric samples in one of the biometric baskets, the biometric basket selected using a biometric basket code provided by the user.    
     
     
         27 . The method of  claim 20 , wherein obtaining a bid biometric sample from the user's person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user includes: 
 obtaining from the user a biometric basket code;    selecting a subset of the registered biometric samples associated with the biometric basket code; and    comparing the bid biometric sample to the subset of the registered biometric samples to produce the successful or failed identification of the user.    
     
     
         28 . The method of  claim 24 , wherein obtaining a bid biometric sample from the user's person and comparing the bid biometric sample to a plurality of registered biometric samples to produce a successful or failed identification of the user includes: 
 obtaining from the user a biometric basket code;    selecting a subset of the registered biometric samples associated with the biometric basket code; and    comparing the bid biometric sample to the subset of the registered biometric samples to produce the successful or failed identification of the user.    
     
     
         29 . The biometric identification computer system of  claim 13 , wherein no credit/debit card, smartcard or a paper check is used by the payor to conduct the financial transaction.  
     
     
         30 . The biometric identification computer system of  claim 17 , wherein no credit/debit card, smartcard or a paper check is used by the payor to conduct the financial transaction.  
     
     
         31 . The biometric identification computer system of  claim 18 , wherein no credit/debit card, smartcard or a paper check is used by the payor to conduct the financial transaction.  
     
     
         32 . The biometric identification computer system of  claim 19 , wherein no credit/debit card, smartcard or a paper check is used by the payor to conduct the financial transaction.