Patent ID: 7231068

Claim:
An electronic transaction verification system for use at a location where a transaction token is presented by an individual to complete a transaction comprising: a transaction information database for storing an account information for an authorized user; a first biometric database for storing biometric data for the authorized user; a second biometric database for storing biometric data for a plurality of invalid users; a reading device for reading the transaction token and transmitting transaction information data to the transaction information database; a biometric data device for scanning and transmitting biometric data obtained with the transaction information data to the first biometric database; wherein the biometric data device selectively transmits biometric data to the first biometric database for comparison with the biometric data stored for the authorized user to verify the identity of the individual presenting the transaction token in real time; wherein the biometric data is transmitted to the second biometric database to determine if the individual presenting the transaction token is an invalid user; wherein the reading device selectively transmits transaction information data to the transaction information database for comparison with account information stored for the authorized user to verify a condition of the account to complete the transaction in real time; and wherein a result from the comparisons with stored account information and stored biometric data for the authorized user is returned to the transaction location to accept or reject the transaction in real time.