This patent discloses a system that "retrieves transaction data at one or more remote Locations, encrypts the data, transmits the encrypted data to a central location, transforms the data to a usable form, performs identification verification using signature data and biometric data, generates informative reports from the data and transmits the informative reports to the remote location(s)."

The commonly used CAPTCHA prompts a user to verify that they are an active user by inputting a string of alphanumerics matching that of a certain prompt. The program then verifies the match before the transaction in question can proceed.

This reference is the patent application itself. The background of the invention section of the patent application acknowledges that the invention as claimed is in the prior art. See specifically the final two paragraphs of the section. The first of these two paragraphs describes the existing technology. Claim 1 does not include any limitations that distinguish over the described technology. The final paragraph describes the problem solved by the invention. However, nothing in claim 1 solves that problem.