Patent ID: 7565329

Claim:
A method for a triangular transaction involving tokenless biometric authorization of a commercial transaction between a consumer and a merchant sequentially using an electronic identicator and an access device wherein the access device is not required to contain in memory any data that is personalized to the consumer, the access device including means for taking a biometric sample from the consumer's person and the electronic identicator comprising at least one computer further comprising at least one database wherein the consumer has registered at least one registration biometric sample taken from the consumer's person, the method comprising: a first communications step, wherein the consumer and merchant establish communications with each other via an access device capable of biometric input; a proposal step, wherein a commercial transaction is proposed between the merchant and the consumer via the access device; a transaction forward step, wherein the merchant forwards information regarding the commercial transaction to the electronic identicator; a first access device identification step, wherein the access device communicates to the merchant an identification code associated with the access device; a second communications step, wherein after the consumer and merchant have agreed on the proposed commercial transaction, the consumer and the electronic identicator use the access device to establish communications with each other; an identification code forwarding step, wherein the merchant communicates to the electronic identicator the identification code associated with the access device that was previously communicated to the merchant; a second access device identification step, wherein the access device communicates to the electronic identicator the identification code associated with the access device and a bid biometric sample taken from the consumer's person; a consumer identification step, wherein the electronic identicator compares the biometric sample with at least one previously registered biometric sample to produce a successful or failed identification of the consumer; an association step, wherein the identification code associated with the access device is used to associate the biometric identification accomplished in the consumer identification step with the information regarding the commercial transaction; an information forwarding step, wherein, upon successful identification of the consumer, the electronic identicator electronically forwards information regarding the consumer to the merchant; and a financial transaction authorization step, wherein the electronic identicator executes a financial transaction on behalf of the merchant; wherein, upon successful identification of the consumer, a biometrically authorized electronic financial transaction is enabled between the consumer and the merchant.