Philip D Lapsley

US Patent:

6397198, May 28, 2002

Filed:

Jul 20, 1999

Appl. No.:

09/357718

Inventors:

Ned Hoffman - Sebastopol CA
Jonathan Alexander Lee - Oakland CA
Philip Dean Lapsley - Newton MA

Assignee:

Indivos Corporation - Oakland CA

International Classification:

G06F 1760

US Classification:

705 44, 705 18, 705 39, 705 67, 705 64

Abstract:

The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user. A stored audio signature is associated with a transaction processor entity, which the transaction processor entity is responsible for conducting the electronic transaction. A sound generator generates an analog or digital signal from the stored audio signature, and a transducer converts the analog or digital signal to a play back audio signature. This invention generates a play back audio signature from the stored audio signature that is associated with the transaction processor entity and the play back audio signature is played back to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no man made personal devices such as credit cards, identity cards or the like is used during the identification process for conducting the electronic transaction.

US Patent:

6411728, Jun 25, 2002

Filed:

Jun 10, 1999

Appl. No.:

09/330253

Inventors:

Jonathan Alexander Lee - Oakland CA
Philip Dean Lapsley - Oakland CA

Assignee:

Indivos Corporation - Oakland CA

International Classification:

G06K 900

US Classification:

382125

Abstract:

A method of identifying an individual from examination of their natural physical characteristics is shown. The method comprises obtaining from an individual during a registration process, a fingerprint image having at least one registration pore and at least one registration macrofeature; wherein registration pore data is derived from the registration pores, and registration macrofeature data is derived from the registration macrofeatures. In a bid step, a fingerprint image having at least one bid pore and at least one bid macrofeature is obtained; wherein bid pore data is derived from the bid pores and bid macrofeature data is derived from the bid macrofeatures. Bid associated data is constructed from associating the bid pore data with the bid macrofeature data, and constructing registration associated data derived from associating the registration pore data with the registration macrofeature data. The bid associated data is compared to the registration associated data to produce a correlation score where a successful or failed identification result is produced based on comparison of the correlation score to a predetermined threshold value.

US Patent:

6591002, Jul 8, 2003

Filed:

May 9, 2002

Appl. No.:

10/143430

Inventors:

Jonathan Alexander Lee - Oakland CA
Philip Dean Lapsley - Oakland CA

Assignee:

Indivos Corporation - San Francisco CA

International Classification:

G06K 900

US Classification:

382125, 340 583

Abstract:

A method of identifying an individual from examination of their natural physical characteristics is shown. The method comprises obtaining from an individual during a registration process, a fingerprint image having at least one registration pore and at least one registration macrofeature; wherein registration pore data is derived from the registration pores, and registration macrofeature data is derived from the registration macrofeatures. In a bid step, a fingerprint image having at least one bid pore and at least one bid macrofeature is obtained; wherein bid pore data is derived from the bid pores and bid macrofeature data is derived from the bid macrofeatures. Bid associated data is constructed from associating the bid pore data with the bid macrofeature data, and constructing registration associated data derived from associating the registration pore data with the registration macrofeature data. The bid associated data is compared to the registration associated data to produce a correlation score where a successful or failed identification result is produced based on comparison of the correlation score to a predetermined threshold value.

US Patent:

6879966, Apr 12, 2005

Filed:

Mar 22, 2001

Appl. No.:

09/815434

Inventors:

Philip Dean Lapsley - Oakland CA, US
Jonathan Alexander Lee - Oakland CA, US
Ned Hoffman - Sebastopol CA, US

Assignee:

Indivos Corporation - San Francisco CA

International Classification:

G06F017/60

US Classification:

705 78, 705 64, 705 65, 705 67, 382115, 235380

Abstract:

The invention provides 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. In a payor registration step, the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor financial account identifier. The payee registers a payee identification data with the electronic third party identicator. A payee bid identification data and a payor bid biometric sample collected from the payor's person 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 data for producing either a successful or failed identification of the payee. Once the electronic third-party identicator successfully identifies the payor and payee, the identicator electronically forwards at least one payor financial account identifier to the payee.

US Patent:

6920435, Jul 19, 2005

Filed:

Apr 10, 2002

Appl. No.:

10/120328

Inventors:

Ned Hoffman - Berkeley CA, US
Jonathan Alexander Lee - Berkeley CA, US
Philip Dean Lapsley - Oakland CA, US

Assignee:

Indivos Corporation - San Francisco CA

International Classification:

G06F017/60

US Classification:

705 44, 705 18, 705 39, 705 67, 705 64

Abstract:

The invention discloses a tokenless biometric identification computer system, comprising at least a database containing registered biometric samples of users. A comparator compares a bid biometric sample of a user to at least one registered biometric sample, the bid biometric sample obtained directly from the user during an identification process for conducting an electronic transaction by the user. A stored audio signature is associated with a transaction processor entity, which the transaction processor entity is responsible for conducting the electronic transaction. A sound generator generates an analog or digital signal from the stored audio signature, and a transducer converts the analog or digital signal to a play back audio signature. This invention generates a play back audio signature from the stored audio signature that is associated with the transaction processor entity and the play back audio signature is played back to the user to identify the transaction processor entity that conducted the electronic transaction, wherein no man made personal devices such as credit cards, identity cards or the like is used during the identification process for conducting the electronic transaction.

US Patent:

6950810, Sep 27, 2005

Filed:

Dec 6, 2000

Appl. No.:

09/731536

Inventors:

Philip D. Lapsley - Oakland CA, US
Jonathan Alexander Lee - Oakland CA, US
Ned Hoffman - Sebastopol CA, US

Assignee:

Indivos Corporation - San Francisco CA

International Classification:

G06F017/60

US Classification:

705 78, 705 64, 705 65, 705 67, 382115, 235380

Abstract:

The invention provides 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. In a payor registration step, the payor registers with an electronic third party identicator at least one registration biometric sample, and at least one payor financial account identifier. The payee registers a payee identification data with the electronic third party identicator. A payee bid identification data and a payor bid biometric sample collected from the payor's person 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 data for producing either a successful or failed identification of the payee. Once the electronic third-party identicator successfully identifies the payor and payee, the identicator electronically forwards at least one payor financial account identifier to the payee.

US Patent:

6980670, Dec 27, 2005

Filed:

Feb 26, 2001

Appl. No.:

09/794810

Inventors:

Ned Hoffman - Sebastopol CA, US
Jonathan Alexander Lee - Oakland CA, US
Philip Dean Lapsley - Newton MA, US

Assignee:

Indivos Corporation - San Francisco CA

International Classification:

G06K009/00
G06F017/60

US Classification:

382115, 705 14

Abstract:

Disclosed is a system and method for processing tokenless electronic consumer rewards between a reward provider and a recipient using an electronic identicator comparator and at least one recipient biometric data. The process uses apparatus for creating an electronic registry of a reward provider's products or services each having a predetermined rewards value, the rewards being disbursed to recipients based upon the occurrence of predetermined criteria; recipient registration, wherein the recipient registers with the electronic identicator comparator at least one registration biometric sample, and recipient specific data; recipient identification, wherein the identicator comparator compares a recipient bid biometric sample with previously registered biometric samples for producing either a successful or failed identification of the recipient; and recipient rewards issuance, wherein the rewards provider issues rewards to the recipient. This method and system can process an electronic consumer rewards transaction without the recipient using any unique identification tokens.

US Patent:

7319987, Jan 15, 2008

Filed:

Dec 17, 1998

Appl. No.:

09/215058

Inventors:

Ned Hoffman - Berkeley CA, US
Jonathan Alexander Lee - Berkeley CA, US
Philip Dean Lapsley - Oakland CA, US

Assignee:

Indivos Corporation - San Francisco CA

International Classification:

G06Q 40/00

US Classification:

705 44

Abstract:

The present invention shows a method and a device system for tokenless authorization of commercial transactions between a user and a seller. The user registers at least one registration biometric sample, and at least one user financial account. The seller registers with the computer system at least one seller financial account. The seller offers a proposed commercial transaction to the user, which includes price information. The user accepts the seller's proposed commercial transaction by adding to the proposed commercial transaction the user's personal authentication information. The bid biometric sample is forwarded to the computer system. The computer system compares the bid biometric sample with registration biometric samples. Upon successful match, a financial account of the user is debited and a financial account of the seller is credited, wherein a commercial transaction is conducted without the user having to use any portable man-made memory devices such as smartcards or swipe cards.