Patent ID: 6920435

Claim:
A tokenless biometric identification computer system, comprising: at least one database containing registered biometric samples of users; a comparator for comparing a bid biometric sample of a user to a plurality of registered biometric samples, the bid biometric sample obtained directly from the user to identify the user conducting an electronic transaction; a second database containing at least one account for the user, each account associated with one of a plurality of transaction processor entities; means for the user to select an account from the second database, thereby selecting a transaction processor entity; a stored audio signature, wherein the stored audio signature is associated with the selected transaction processor entity, the selected transaction processor entity conducting the electronic transaction using the selected account; sound generator means for generating an analog or digital signal from the stored audio signature; a transducer for converting the analog or digital signal to a play back audio signature; and means for playing basic the play back audio signature to the user to identify the transaction processor entity that conducted the electronic transaction using the account, wherein no credit cards or identity cards are used during the identification process for conducting the electronic transaction.