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Method and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens
Method and system for enabling the issuance of biometrically secured online credit or other online payment transactions without tokens
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机译:用于在没有令牌的情况下启用生物识别安全的在线信用或其他在线支付交易的方法和系统
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摘要
A method and apparatus for issuance of biometrically secured online credit or other payment transactions without tokens or cards. A buyer supplies a registration biometric sample which is used to generate a registration biometric template. The registration biometric template is stored and used to authenticate financial transactions. As part of a registration process, a buyer may be verified using a series of questions generated from public and non-public information to which the buyer knows the answer but an impersonator may not. In subsequent financial transactions, the buyer supplies a verification biometric sample used to generate a verification biometric template. The verification and registration biometric templates are compared to determine if a requested financial transaction should be authorized. The kinds of biometric samples used may be keystroke-scans, face-scans, voice-scans, or fingerprint-scans. The comparison process between the verification biometric template and registration biometric template may be modified to reflect the value of a requested financial transaction. In addition, the verification biometric templates may include a time stamp to preclude reuse of a previously submitted biometric template and a system identifier to preclude submission of biometric templates from unauthorized systems.
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