Granted Patent B2

US 7,107,220 · App. 10/902,076 · Granted Sep 12, 2006

Abstract

Claims (40)

1. A centralized biometric system for verifying an individual's identity over a communications network, comprising:

a storage that stores biometric information in association with information that identifies an individual;

a receiver that receives, from one of a remote communications device and a remote network communications platform, a biometric sample from a party attempting to obtain a service from the one of the remote communications device and the remote network communications platform, the service being provided contingent on authentication of the party as the individual; and

a processor that compares the biometric sample to the biometric information to authenticate the identity of the party as the individual,

wherein the receiver and the processor are provided at a centralized server in the communications network.

2. The centralized biometric system of claim 1 , the receiver receiving requests from a plurality of remote client communications devices that each provide a service to a plurality of individuals.

3. The centralized biometric system of claim 1 , the receiver receiving requests from a plurality of remote network communications platforms that each provide a service to a plurality of individuals.

4. The centralized biometric system of claim 1 , in which the receiver receives the request over the internet.

5. The centralized biometric system of claim 1 , the remote communications device comprising a transaction platform used to conduct a financial transaction.

6. The centralized biometric system of claim 1 , the remote communications device comprising a personal computer used by the individual to conduct a financial transaction.

7. The centralized biometric system of claim 1 , further comprising:

a log generator that generates a record of information relating to the authentication request.

8. A method for verifying an individual's identity over a communications network using a centralized biometric system, comprising:

storing biometric information in association with information that identifies an individual;

receiving, from one of a remote communications device and a remote network communications platform, a biometric sample from a party attempting to obtain a service from the one of the remote communications device and the remote network communications platform, the service being provided contingent on authentication of the party as the individual; and

comparing the biometric sample to the biometric information to authenticate the identity of the party as the individual,

wherein the receiving and the comparing are performed at a centralized server in the communications network.

9. The method for verifying an individual's identity of claim 8 , wherein:

biometric samples are received from a plurality of remote client communications devices that each provide a service to a plurality of individuals.

10. The method for verifying an individual's identity of claim 8 , wherein:

biometric samples are received from a plurality of remote network communications platforms that each provide a service to a plurality of individuals.

11. The method for verifying an individual's identity of claim 8 , wherein the biometric sample is received over the internet.

12. The method for verifying an individual's identity of claim 8 , the remote communications device comprising a transaction platform used by the public to conduct a financial transaction.

13. The method for verifying an individual's identity of claim 8 , the remote communications device comprising a personal computer used by the individual to conduct a financial transaction.

14. The method for verifying an individual's identity of claim 8 , further comprising:

generating a record of information relating to the authentication.

15. A computer readable medium storing a program that verifies an individual's identity over a communications network using a centralized biometric system, the computer readable medium comprising:

a biometric storing code segment that stores biometric information in association with information that identifies an individual;

a receiving code segment that receives, from one of a remote communications device and a remote network communications platform, a biometric sample from a party attempting to obtain a service from the one of the remote communications device and the remote network communications platform, the service being provided contingent on authentication of the party as the individual; and

a comparing code segment that compares the biometric sample to the biometric information to authenticate the identity of the party as the individual,

wherein the receiving code segment and the comparing code segment are processed at a centralized server in the communications network.

16. The computer readable medium of claim 15 , wherein:

biometric samples are received from a plurality of remote client communications devices that each provide a service to a plurality of individuals.

17. The computer readable medium of claim 15 , wherein:

biometric samples are received from a plurality of remote network communications platforms that each provide a service to a plurality of individuals.

18. The computer readable medium of claim 15 , wherein the biometric information is received over the internet.

19. The computer readable medium of claim 15 , the remote communications device comprising a transaction platform used by the public to conduct a financial transaction.

20. The computer readable medium of claim 15 , the remote communications device comprising a personal computer used by the individual to conduct a financial transaction.

21. The computer readable medium of claim 15 , further comprising:

a log generating code segment that generates a record of information relating to the authentication.

Assignments (12)