Patent ID: 7154375
Filing Date: 2006-12-26
Classification: G06Q,G07C,G07F,H04L

Abstract:
1. A method for facilitating biometric security in a transponder-reader transaction system, said method comprising: determining whether a user requested transaction exceeds a preloaded value defined by a preloaded value data file associated with a transponder; determining whether said transaction exceeds a combination of said preloaded value and a reload value defined by a reload protocol data file associated with said transponder, wherein said preloaded value data file and said reload protocol data file define predetermined values for use in satisfying a user transaction request; notifying a user to proffer a biometric sample to authorize use of said combination of said preloaded value and said reload value to complete said transaction; detecting a proffered biometric sample at a sensor communicating with said system; verifying said proffered biometric sample; and authorizing said transaction to proceed by applying said preloaded value from a first funding source associated with said transponder and applying a portion of said reload value from one of said first funding source and a second funding source according to said reload protocol data file.