摘要 |
The invention satisfies these needs by providing a method and device for tokenless authorization of an electronic payment between a payor and a payee using an electronic third party identicator and at least one payor bid biometric sample. The method comprises a payor registration step, wherein th e payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor credit/debit account. The payee registers a payee identification data with the electronic third party identicator. An electronic financial transaction is formed between the payor and the payee, comprising payee bid identification data, a transaction amount, and at least one payor bid biometric sample, wherein the bid biometr ic sample is obtained from the payor's person, in a transaction formation step. The payee bid identification data, the transaction amount, and payor bid biometric sample are electronically forwarded to the third party electronic identicator. A comparator engine compares the bid biometric sample with at least one registered biometric sample for producing either a successful or failed identification of the payor. The comparator engine also compares the payee's bid identification data with a payee's registered identification dat a for producing either a successful or failed identification of the payee. Onc e the device successfully identifies the payor and payee, a biometric-based authorization of an electronic payment is issued without the payor presentin g any personalized man-made tokens to transfer funds from the payor's financia l credit/debit account to the payee's financial account.
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