METHOD, APPARATUS, AND SYSTEM FOR PERFORMING ONLINE TRANSACTIONS WITH BIOMETRIC AUTHENTICATION

摘要

An apparatus, system and method for conducting financial and other transactions using a wireless device are provided. A computing device includes a display screen, a user input interface, and one or more processors. A memory device has stored therein a wallet application for completing transactions based on wireless data communications between the computing device and a merchant system. The memory device further stores at least one electronic credential. The computing device is configured to wirelessly communicate with the merchant system via at least one of a network transceiver and a short-range RF transceiver, and to display information regarding one or more transactions with the merchant system on the display screen. At least one electronic credential is transmitted to the merchant system based on comparing the biometric characteristic of the user with stored biometric information to initiate the one or more transactions with the merchant system.

主权项

1. A computing device, comprising:
a display screen; a user input interface; one or more processors; at least one memory device having stored therein a plurality of applications to be executed by the one or more processors, the plurality of applications including at least one wallet application for completing transactions based on wireless data communications between the computing device and a merchant system, the at least one memory device further storing at least one electronic credential; a network transceiver configured to communicate with a cellular communications network; a short-range radio frequency (RF) transceiver to communicate with an external RF device, wherein the external RF device supports a predetermined communications protocol; and a biometric characteristic reader for reading a biometric characteristic of a user, wherein the computing device is configured to wirelessly communicate with the merchant system via at least one of the network transceiver and the short-range RF transceiver, and to display information regarding one or more transactions with the merchant system on the display screen, and wherein the computing device is configured to transmit the at least one electronic credential to the merchant system based on comparing the biometric characteristic of the user with stored biometric information to initiate the one or more transactions with the merchant system.