Payment system via internet or other telecommunications network has multiple devices to identify and locate user and to prevent fraud

摘要

The user communicates with a provider of goods or services via a terminal (2) and a communications network (18). The user 'swipes' a credit card (12) through a reader (30) and uses the keyboard (6) and display (8) to perform the transaction. The user's identity is verified by a fingerprint sensor (20) and an iris pattern detector (23). The user's voice pattern is also verified via a microphone (26). A GPS link can also verify the user's location.