WO2001006440A1 - Tokenless biometric electronic transactions using audio signature - Google Patents
Tokenless biometric electronic transactions using audio signature Download PDFInfo
- Publication number
- WO2001006440A1 WO2001006440A1 PCT/US2000/019977 US0019977W WO0106440A1 WO 2001006440 A1 WO2001006440 A1 WO 2001006440A1 US 0019977 W US0019977 W US 0019977W WO 0106440 A1 WO0106440 A1 WO 0106440A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- transaction
- audio signature
- user
- transaction processor
- processor entity
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/50—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
- G06F21/55—Detecting local intrusion or implementing counter-measures
- G06F21/554—Detecting local intrusion or implementing counter-measures involving event detection and direct action
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- G—PHYSICS
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- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/50—Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
- G06F21/57—Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
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- G—PHYSICS
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- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
- G06F21/82—Protecting input, output or interconnection devices
- G06F21/83—Protecting input, output or interconnection devices input devices, e.g. keyboards, mice or controllers thereof
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- G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
- G06F21/86—Secure or tamper-resistant housings
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
-
- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G—PHYSICS
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/3821—Electronic credentials
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q20/38—Payment protocols; Details thereof
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/30—Individual registration on entry or exit not involving the use of a pass
- G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
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- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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- G07F9/00—Details other than those peculiar to special kinds or types of apparatus
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- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2117—User registration
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- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
- G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
- G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
- H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
BR0012584-9A BR0012584A (en) | 1999-07-20 | 2000-07-20 | Non-magnetic indicating biometric identification computer system and method of identifying a transaction processor entity for a user of a non-magnetic indicating biometric identification computer system |
MXPA02000767A MXPA02000767A (en) | 1999-07-20 | 2000-07-20 | Tokenless biometric electronic transactions using audio signature. |
JP2001511622A JP2003505769A (en) | 1999-07-20 | 2000-07-20 | Tokenless biometric electronic trading using voice signatures |
EP00950553A EP1222583A1 (en) | 1999-07-20 | 2000-07-20 | Tokenless biometric electronic transactions using audio signature |
AU63645/00A AU6364500A (en) | 1999-07-20 | 2000-07-20 | Tokenless biometric electronic transactions using audio signature |
CA002379835A CA2379835A1 (en) | 1999-07-20 | 2000-07-20 | Tokenless biometric electronic transactions using audio signature |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/357,718 | 1999-07-20 | ||
US09/357,718 US6397198B1 (en) | 1994-11-28 | 1999-07-20 | Tokenless biometric electronic transactions using an audio signature to identify the transaction processor |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2001006440A1 true WO2001006440A1 (en) | 2001-01-25 |
Family
ID=23406739
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2000/019977 WO2001006440A1 (en) | 1999-07-20 | 2000-07-20 | Tokenless biometric electronic transactions using audio signature |
Country Status (8)
Country | Link |
---|---|
US (3) | US6397198B1 (en) |
EP (1) | EP1222583A1 (en) |
JP (1) | JP2003505769A (en) |
AU (1) | AU6364500A (en) |
BR (1) | BR0012584A (en) |
CA (1) | CA2379835A1 (en) |
MX (1) | MXPA02000767A (en) |
WO (1) | WO2001006440A1 (en) |
Cited By (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
GB2419791B (en) * | 2004-10-27 | 2007-10-03 | Netidme Ltd | Identification method and server |
US7587610B2 (en) | 2001-02-07 | 2009-09-08 | Sagem Securite | Biometric identification or authentication system |
WO2010080404A1 (en) * | 2008-12-18 | 2010-07-15 | Mastercard International Incorporated | Systems and methods for authenticating parties engaging in a financial transaction |
US8447272B2 (en) | 2009-11-25 | 2013-05-21 | Visa International Service Association | Authentication and human recognition transaction using a mobile device with an accelerometer |
US8505826B2 (en) | 2007-04-16 | 2013-08-13 | Visa U.S.A. | Anti-interrogation for portable device |
US8554685B2 (en) | 2010-09-24 | 2013-10-08 | Visa International Service Association | Method and system using universal ID and biometrics |
US8589300B2 (en) | 2007-10-25 | 2013-11-19 | Visa U.S.A. Inc. | Payment transaction using mobile phone as relay |
US8694793B2 (en) | 2007-12-11 | 2014-04-08 | Visa U.S.A. Inc. | Biometric access control transactions |
US8732739B2 (en) | 2011-07-18 | 2014-05-20 | Viggle Inc. | System and method for tracking and rewarding media and entertainment usage including substantially real time rewards |
US8856043B2 (en) | 2011-02-18 | 2014-10-07 | Visa International Service Association | Method and system for managing data and enabling payment transactions between multiple entities |
US9020415B2 (en) | 2010-05-04 | 2015-04-28 | Project Oda, Inc. | Bonus and experience enhancement system for receivers of broadcast media |
US9202032B2 (en) | 2009-08-05 | 2015-12-01 | Daon Holdings Limited | Methods and systems for authenticating users |
US9978064B2 (en) | 2011-12-30 | 2018-05-22 | Visa International Service Association | Hosted thin-client interface in a payment authorization system |
CN109544185A (en) * | 2018-11-27 | 2019-03-29 | 湖南共睹互联网科技有限责任公司 | Based on the guarantee contract generation method for ensureing transaction |
Families Citing this family (172)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20040128249A1 (en) * | 1994-11-28 | 2004-07-01 | Indivos Corporation, A Delaware Corporation | System and method for tokenless biometric electronic scrip |
US7248719B2 (en) * | 1994-11-28 | 2007-07-24 | Indivos Corporation | Tokenless electronic transaction system |
US6397198B1 (en) * | 1994-11-28 | 2002-05-28 | Indivos Corporation | Tokenless biometric electronic transactions using an audio signature to identify the transaction processor |
US7882032B1 (en) | 1994-11-28 | 2011-02-01 | Open Invention Network, Llc | System and method for tokenless biometric authorization of electronic communications |
US7613659B1 (en) * | 1994-11-28 | 2009-11-03 | Yt Acquisition Corporation | System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse |
US6950810B2 (en) * | 1994-11-28 | 2005-09-27 | Indivos Corporation | Tokenless biometric electronic financial transactions via a third party identicator |
US5546523A (en) * | 1995-04-13 | 1996-08-13 | Gatto; James G. | Electronic fund transfer system |
US6796492B1 (en) * | 1995-04-13 | 2004-09-28 | James G. Gatto | Electronic fund transfer or transaction system |
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CA2379835A1 (en) | 2001-01-25 |
US6920435B2 (en) | 2005-07-19 |
BR0012584A (en) | 2002-04-16 |
JP2003505769A (en) | 2003-02-12 |
EP1222583A1 (en) | 2002-07-17 |
US20050203841A1 (en) | 2005-09-15 |
US20020111917A1 (en) | 2002-08-15 |
AU6364500A (en) | 2001-02-05 |
MXPA02000767A (en) | 2003-07-14 |
US6397198B1 (en) | 2002-05-28 |
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