Systems and methods for facilitating transactions

Details Systems and methods for facilitating transactions Systems and methods for facilitating transactions

H - Electricity

04

L

H04L 9/00 (2006.01) G06F 15/16 (2006.01) G06F 15/173 (2006.01)

Patent

CA 2534987

Figure 1, is a diagram of a marketplace (100) that supports limited conventional transactions. In marketplace (100), users (102A-102D) carry out a variety of electronic transactions over network (120). User (102A) interfaces with a terminal (104A) at a merchant store in a retail transaction. Terminal (104A) forwards information related to the user and/or transaction over network (120) to a bank (124) or credit card service (130) for approval. User (102B) interface with an automated teller machine (ATM)(104B). ATM(104B) communicates over network (120) to bank (124) or other institution to perform a banking transaction. User (102C) interfaces with a computer (104C). Computer (104C) carries out a transaction over network (120) with web server (125) to perform online banking, online retail or other e-commerce transactions. User (102D) interfaces with telephone (104D) to carry out a transaction over network (120). Telephone (104D) generally has more limited interface than computer (104C), but still can be enable a user to input and make selections through a voice prompt or keypad system to perform transactions such as obtaining account information.

La présente invention concerne des systèmes et des procédés permettant d'effectuer des transactions dans le domaine de l'architecture qui offre aux utilisateurs (tant commerçants que clients) la simplicité, le côté pratique et la sécurité. Ces systèmes présentent le nouveau concept d'une personnalité, qui est un ensemble de données relatives à une personne qui peuvent être apportées de manière sécurisée à l'approche d'une transaction de façon à faciliter cette transaction. Une interface sécurise l'accès à cette personnalité à partir d'un élément biométrique présenté par un utilisateur dans une transaction. Dans un mode de réalisation de l'invention, l'architecture est fournie de façon à prendre en charge des transactions sécurisées de manière biométrique via des réseaux.

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