The present invention provides a method for tokenless biometric access to financial accounts at an institution using an automated teller machine. This method comprises a user registration step, wherein a user registers with an electronic identicator one or more registration biometric samples and one or more user financial accounts (19). During an initiation step, the user initiates an account access at an automated teller machine by submitting at least one bid biometric sample directly from the user's person, wherein no portable man-made memory devices such as smartcards or swipe cards are used by the user. In at least one transmission step, an account access request message comprising the user's bid biometric is forwarded from the automated teller machine to the electronic identicator. During a user identification step, the electronic identicator compares the bid biometric sample in the account access request message with a registration biometric sample, to produce either a successful or failed identification of the user. Upon successful identification of the user, at least one financial account of the user is retrieved, and in an access step, after successful identification of the user and successful financial account retrieval, the user is allowed to access the user financial account.

Tokenless biometric atm access system

The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample. The method comprises a payor registration step, wherein the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor credit/debit account. The payee registers a payee identification data with the electronic third party identicator. An electronic financial transaction is formed between the payor and the payee, comprising payee bid identification data, a transaction amount, and at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person, in a transaction formation step. The payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the third party electronic identicator. A comparator engine compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor. The comparator engine also compares the payee's bid identification data with a payee's registered identification data for producing either a successful or failed identification of the payee. Once the device successfully identifies the payor and payee, a biometric-based authorization of an electronic payment is issued without the payor presenting any personalized man-made tokens to transfer funds from the payor's financial credit/debit account to the payee's financial account.

Tokenless biometric electronic debit and credit transactions

The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising a PIN and at least one bid biometric sample which is obtained from the buyer's person. In a transmission step, the bid biometric sample and PIN are forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples for producing either a successful or failed identification of the buyer in a buyer identification step. Upon determination of sufficient resources, a financial account of the buyer is debited and a financial account of the seller is credited, in a payment step. Therefore, a commercial transaction is conducted without the buyer having to use any portable man-made memory devices such as smartcards or swipe cards.

Tokenless electronic transaction system

A tokenless authorization of an electronic check between a payor and a payee using an electronic third party identicator (Figure 7. item 4) and at least one payor bid biometric sample is described. The method comprises a payor registration step, wherein the payor registers with an electronic third party identicator (Figure 7. item 4) at least one registration biometric sample, and at least one payor checking account. In a payee registration step (figure 6), the payee registers a payee identification data (Figure 6) with the electronic third party identicator (Figure 7, item 4). An electronic financial transaction is formed between the payor and the payee, comprising payee bid identification data, a transaction amount, and at least one payor bid biometric sample, wherein the bid biometric sample is obtained from the payor's person, in a formation step (Figure 6). Preferably in one transmission step the payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the third party electronic identicator (Figure 7. item 4)

Tokenless biometric electronic check transactions

Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module clearinghouse. The steps for processing of the electronic transmissions comprise of a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken directly from the person of the user. A formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is associated with at least one execution command of the user. A user identification step, wherein the electronic identicator compares a bid biometric sample taken directly from the person of the user with at least one previously registered biometric sample for producing either a successful or failed identification of the user. In a command execution step, upon successful identification of the user, at least one previously designated rule module of the user is invoked to execute at least one electronic transmission. The above-mentioned steps are conducted in a manner wherein a biometrically authorized electronic transmission is conducted without the user presenting any personalized man-made memory tokens such as smartcards, or magnetic swipe cards.

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

A method of compressing data used in integrated circuit (IC) layout verifications includes the steps of identifying each circuit component from each layer of the IC chip; sorting each circuit component in an established order; identifying predetermined parameters for each component; determining the difference in value of the parameters for each pair of components in successive order; and storing the difference values for each pair of components.

Kuang-Wei Chiang

Papers

Method of compressing data for use in performing VLSI mask layout verification