DEVICE, METHOD AND SYSTEM FOR SECURITY FOR FINANCIAL TRANSACTIONS BASED ON THE IDENTIFICATION OF AN INDIVIDUAL THROUGH ITS BIOMETRIC PROFILE AND USING A MICROPROCESSOR CARD

摘要

The invention relates to an innovative device which is used to secure payments or transactions made with a smart card and to validate the identity of the smart card holder using a client/server biometric control operation, regardless of whether said payments or transactions are made directly at a point of sale or from a PC (personal computer or shared open-access computer) which is connected to the Internet or using a mobile telephone, a portable computer (also known as a laptop), a PDA (Personal Device Assistant) or any other mobile or fixed means that can connect to any telecommunication network and carry out a transaction involving the use of biometrics at the transaction generation point. The invention also relates to smart-card-holding employees of financial institutions who perform professional inter-bank transfers. The invention can also be used for the electronic transfer of funds between states, between groups of states, between groups of states and states and between international organizations and states. The invention has been designed in the form of a client/server-type system for authenticating the identity of a smart card holder, based on the use of the smart card and on the identification of the holder by means of biometric data which are stored on an extended memory smart card and compared with biometric data from an external, remote database that is secured and operated by the third-party authentication server or by the financial institution, but which, for reasons of security and performance, are not transferred over the telecommunication network.