Patent ID: 7613659

Claim:
A tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, and at least one computer including an electronic identicator and an electronic rule module clearinghouse, said method comprising the steps of: a. a user registration step, wherein a user registers with an electronic identicator at least one registration biometric sample taken via a biometric sensor directly from the person of the user; b. formation of a rule module customized to the user in a rule module clearinghouse, wherein at least one pattern data of a user is stored in the computer in association with at least one execution command of the user; c. a user identification step, wherein the electronic identicator compares a bid biometric sample subsequently taken directly from the person of the user via a biometric sensor with at least one previously registered biometric sample for producing either a successful or failed identification of the user; d. a command execution step, wherein upon successful identification of the user at least one previously designated rule module of the user is invoked by the electronic rule module clearinghouse to execute at least one electronic transmission; wherein a biometrically authorized electronic transmission is conducted without the user presenting smartcards or magnetic swipe cards.