Patent ID: 7882032

Claim:
A system for tokenless biometric authorization of an electronic communication, using an electronic communication input apparatus, a biometric input apparatus, and a master electronic identicator, wherein said system comprises: a. a communication input apparatus, further comprising a data entry device for formation of an electronic communication; b. a biometric input apparatus connected to said communication input apparatus, further comprising a device for electronically scanning a biometric sample directly from a person of a user; c. at least one master electronic identicator, further comprising: i) a computer database containing all of the electronically stored biometric samples from all of the registered users; ii) a comparator that electronically compares a received biometric sample with previously stored biometric samples to deliver either a successful or failed identification of the user; d. a data transmittal public network that electronically transmits data between the biometric input apparatus and a master electronic identicator; e. an electronic communication authorization platform, connected to said master electronic identifier, that authorizes execution of at least one electronic communication upon a successful identification of the user by an electronic identicator; f. a rule-module clearinghouse, connected to said master electronic identifier, further comprising a user-customized rule module including at least one user-customized pattern data associated with at least one user-customized execution command, wherein said execution command comprises instructions for executing the processing of an electronic consumer loyalty or consumer rewards incentive; g. a rule-module invocation platform, that invokes at least one previously designated user-customized rule-module upon successful identification of the user; h. an electronic communication execution platform, that executes at least one electronic communication upon the invocation of a user-customized rule-module per said execution command; wherein an electronic communication is biometrically-authorized in a tokenless manner.