Tokenless biometric electronic financial transactions via a third party identicator

Abstract

A method and device enables tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and a payor bid biometric sample. The payor registers with a registration biometric sample, and a payor financial account identifier. The payee registers a payee identification data with the electronic identicator. A payee bid identification data and a payor bid biometric sample are electronically forwarded to the identicator. The bid biometric sample is compared with registered biometric samples and the payee's bid identification data is compared with a payee's registered identification data for a successful or failed identifications of the payor and payee. If successful, an electronic financial transaction is then formed comprising a transaction amount and a payor financial account identifier. Loyalty or reward information stored in the database at the DPC is automatically transmitted back to the PIA along with any financial account information.

1 . A method for tokenless authorization of a loyalty or reward transaction, the method comprising:
 gathering via a party identification apparatus a biometric sample from a payor;   transmitting the gathered payor biometric sample via a communication line to a data processing center;   identifying the payor via the data processing center, wherein the identifying comprises the data processing center comparing the gathered biometric sample with a registered biometric sample for producing either a successful or failed identification of the payor; and wherein upon successful identification of the payor;   forwarding from the data processing center to the party identification apparatus one or more of payor loyalty information and payor reward information; and   applying the forwarded payor loyalty information or payor reward information to a transaction.   
     
     
         2 . The method of  claim 1 , further comprising upon successful identification of the payor, forwarding payor financial account information from the data processing center to the party identification apparatus. 
     
     
         3 . The method of  claim 2 , further comprising forwarding payor financial account information to a financial transaction processor. 
     
     
         4 . The method of  claim 1 , further comprising registering one or more of a payor biometric sample, payor loyalty information, payor reward information, payor financial account information, and a payor personal identification number. 
     
     
         5 . The method of  claim 1 , wherein applying the forwarded payor loyalty information or payor reward information to a transaction comprises forwarding the payor loyalty information or payor reward information from the party identification apparatus to a point of sale system. 
     
     
         6 . The method of  claim 1 , further comprising transmitting payee identification data to said data processing center. 
     
     
         7 . The method of  claim 6 , further comprising identifying a payee via the data processing center, wherein identifying comprises the data processing center comparing the transmitted payee identification data with registered payee identification data for producing either a successful or failed identification of the payee. 
     
     
         8 . A method for tokenless authorization of an electronic payment, the method comprising:
 gathering via a party identification apparatus a biometric sample from a payor;   transmitting the gathered payor biometric sample via a communication line to a data processing center;   identifying the payor via the data processing center, wherein identifying comprises the data processing center comparing the gathered biometric sample with a registered biometric sample for producing either a successful or failed identification of the payor; and wherein upon successful identification of the payor;   forwarding payor financial account information and one or more of payor loyalty information and payor reward information from the data processing center to the party identification apparatus;   applying the forwarded payor loyalty information or payor reward information to a transaction; and   forwarding transaction information to a financial transaction processor, wherein the transaction information includes the payor financial account information and a transaction amount.   
     
     
         9 . The method of  claim 8 , wherein forwarding payor financial account information from the data processing center to the party identification apparatus comprises forwarding information pertaining to one or more payor financial accounts. 
     
     
         10 . The method of  claim 9 , further comprising displaying via the party identification apparatus information pertaining to one or more payor financial accounts and receiving a selection of a payor financial account. 
     
     
         11 . The method of  claim 8 , wherein the payor financial account information forwarded to the financial transaction processor includes a selected payor financial account. 
     
     
         12 . The method of  claim 8 , further comprising registering one or more of a payor biometric sample, payor financial account information, payor loyalty information, payor reward information, and a payor personal identification number. 
     
     
         13 . The method of  claim 8 , wherein applying the forwarded payor loyalty information or payor reward information to a transaction comprises forwarding the payor loyalty information or payor reward information from the party identification apparatus to a point of sale system. 
     
     
         14 . The method of  claim 8 , further comprising transmitting payee identification data to said data processing center. 
     
     
         15 . The method of  claim 14 , further comprising identifying a payee via the data processing center, wherein identifying comprises the data processing center comparing the transmitted payee identification data with registered payee identification data for producing either a successful or failed identification of the payee. 
     
     
         16 . A tokenless authorization system for a loyalty or reward transaction, the system comprising:
 a computer data processing center comprising a database storing a registration biometric sample associated with at least one or more of a loyalty information and reward information;   a party identification apparatus having a biometric sensor for input of a biometric sample;   a communication line for transmission of a registration biometric sample and bid biometric sample obtained by the party identification apparatus to the data processing center;   a comparator engine for comparing a bid biometric sample to at least one registration biometric sample; and   a means coupled to the party identification apparatus for receiving a message containing one or more of payor loyalty information and payor reward information and forwarding one or more of payor loyalty information and payor reward information to a point of sale system, the tokenless authorization system being arranged so that the message containing one or more of payor loyalty information and payor reward information is sent from the data processing center to the party identification apparatus upon a successful comparison of a bid biometric sample and a registration biometric sample.   
     
     
         17 . The system of  claim 16 , wherein the payor registration biometric sample stored in the database is further associated with payor financial account information. 
     
     
         18 . The system of  claim 16 , wherein the tokenless authorization system is further arranged so that the message containing one or more of payor loyalty information and payor reward information further comprises payor financial account information. 
     
     
         19 . The system of  claim 18 , wherein payor financial account information includes information pertaining to one or more payor financial accounts. 
     
     
         20 . The system of  claim 18 , further comprising a means coupled to the party identification apparatus for transmitting payor financial account information and a transaction amount from the party identification apparatus to a financial transaction processor to authorize a payment from a payor financial account indicated by the payor financial account information.