No. 08/788, 471 ?led on Jan. 28, 1997 and entitled: “Text Independent Speaker Recognition for Transparent Command Ambiguity Resolution And Continuous Access Control,” Which is com monly assigned to the present assignee and the disclosure of Which is also incorporated herein by reference.
It is to be appreciated that, as demonstrated above, the present invention may utiliZe PIN or passWord protection in addition to, or in lieu of, biometric veri?cation to obtain the necessary digital certi?cate from central server 60.
It is to be understood that in this embodiment, the CPU 12 of the PDA device 10 Will prohibit the selected card information from being retrieved and transmitted to the transaction terminal 80 if the user is not biometrically veri?ed and/or if the digital certi?cate is not valid (step 226).
It is to be further appreciated that the PDA device 10 and system of the present invention can be con?gured to afford an additional level of security for user veri?cation, Whereby the ?nancial institution (e.g., credit card company) can verify the identity of the consumer during a purchase transaction.
It is to be understood by one of ordinary skill in the art that the con?guration of the present invention may be embedded in other CPU based systems such as a cellular phone, a portable laptop, a netWork computer (NC), or a PC having built in the components of the above described PDA device 10.