公开(公告)号：US20120079581A1

公开(公告)日：2012-03-29

申请号：US13243288

申请日：2011-09-23

Applicant: Barbara E. Patterson

Inventor： Barbara E. Patterson

IPC: G06F7/04 ,  G06F17/30 ,  G06F21/00

CPC classification number: G07F19/201 ,  G06F21/32 ,  G06F21/34 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q20/40145 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/107

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

公开(公告)号：US08554685B2

公开(公告)日：2013-10-08

申请号：US13363332

申请日：2012-01-31

Applicant: Barbara E. Patterson ,  Phillip L. Kumnick

Inventor： Barbara E. Patterson ,  Phillip L. Kumnick

IPC: G06Q20/42

CPC classification number: G07F19/201 ,  G06F21/32 ,  G06F21/34 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q20/40145 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/107

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract translation: 公开了通用的ID和生物识别系统和方法。 一种方法包括接收来自用户的认证请求消息。 认证请求消息包括第一标识符和第二标识符，其中第二标识符包括生物特征数据。 该方法还包括基于第一标识符确定第三标识符，并将第二和第三标识符发送到第一服务器计算机，以确定第二和第三标识符是否具有预定的相关性。 该方法还包括：如果识别系统确定第二和第三标识符具有预定的相关性，则接收用户认证的确认。

公开(公告)号：US08682798B2

公开(公告)日：2014-03-25

申请号：US13243288

申请日：2011-09-23

Applicant: Barbara E. Patterson

Inventor： Barbara E. Patterson

IPC: G06Q20/42

CPC classification number: G07F19/201 ,  G06F21/32 ,  G06F21/34 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q20/40145 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/107

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract translation: 公开了通用的ID和生物识别系统和方法。 一种方法包括接收来自用户的认证请求消息。 认证请求消息包括第一标识符和第二标识符，其中第二标识符包括生物特征数据。 该方法还包括基于第一标识符确定第三标识符，并将第二和第三标识符发送到第一服务器计算机，以确定第二和第三标识符是否具有预定的相关性。 该方法还包括：如果识别系统确定第二和第三标识符具有预定的相关性，则接收用户认证的确认。

公开(公告)号：US20120123944A1

公开(公告)日：2012-05-17

申请号：US13363332

申请日：2012-01-31

Applicant: Barbara E. Patterson

Inventor： Barbara E. Patterson

IPC: G06Q20/40

CPC classification number: G07F19/201 ,  G06F21/32 ,  G06F21/34 ,  G06Q20/206 ,  G06Q20/40 ,  G06Q20/40145 ,  H04L63/0853 ,  H04L63/0861 ,  H04L63/107

Abstract: A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.

Abstract translation: 公开了通用的ID和生物识别系统和方法。 一种方法包括接收来自用户的认证请求消息。 认证请求消息包括第一标识符和第二标识符，其中第二标识符包括生物特征数据。 该方法还包括基于第一标识符确定第三标识符，并将第二和第三标识符发送到第一服务器计算机，以确定第二和第三标识符是否具有预定的相关性。 该方法还包括：如果识别系统确定第二和第三标识符具有预定的相关性，则接收用户认证的确认。

公开(公告)号：US20110225058A1

公开(公告)日：2011-09-15

申请号：US13038637

申请日：2011-03-02

Applicant: Barbara E. Patterson ,  Glenn Leon Powell ,  Jeffrey Morris Sachs

Inventor： Barbara E. Patterson ,  Glenn Leon Powell ,  Jeffrey Morris Sachs

IPC: G06Q20/00 ,  G06Q40/00

CPC classification number: G06Q20/20 ,  G06Q20/042 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q40/02 ,  G07F7/08

Abstract: A system, method, and computer-readable storage medium configured to facilitate, for example, point-of-sale check approval in real-time. The system converts a demand type payment transaction into a payment card transaction. A cardholder database contains a cardholder record. The cardholder record includes a demand account and payment card information of a cardholder. A network interface receives point-of-service transaction data. A transaction processor correlates the user with the cardholder record, and generates an authorization request message which is sent to an issuer for approval.

Abstract translation: 被配置为实时地促进例如销售点检查批准的系统，方法和计算机可读存储介质。 系统将需求类型支付交易转换成支付卡交易。 持卡人数据库包含持卡人记录。 持卡人记录包括持卡人的需求账户和支付卡信息。 网络接口接收服务点交易数据。 交易处理器将用户与持卡人记录相关联，并且生成授权请求消息，该消息被发送给发行者以供批准。