| 摘要 |
In a system for reading data encoded on a single, secure, personal, portable database of private information, such as for example an optical memory card (28), a method of interaction between an optical card user (32), a broker and an agency (30) seeking a transaction with the card user (32). The user is provided with a blank optical memory card which he encodes with all of the user's personal transaction information such as credit card numbers. The agency (30) and user (32) are provided with access to a transaction site such as a computer with access to the broker's e-commerce site and/or a kiosk (20). The user is able to use the single, secure medium to conduct many transactions. After inserting the card (28) into a transaction site such as a kiosk (20), the user's identification is verfied using biometric indicia. From the kiosk 820), the user is able to access his or her personalized web site (11) and select the translation, business, personal or governmental, which he or she wishes to conduct. The user selects the encoded information that is needed to conduct the transaction with an agency (30). The information is read and transmitted to a broker who completes the transaction. Here, the agency (30) is not provided with access to the information and the information is not stored in company or network database (15) or on a network. A confirmation that the transaction has been completed is provided to the user (32) and the agency (30) with which the transaction has been conducted. Alternatively, the user (32) may choose to provide the agency (30) with access to the information.
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