System and method for implementing financial transactions using biometric keyed data
First Claim
1. A system for providing consumer access to a financial account to implement a transaction comprising:
- a biometric data capture device for reading consumer biometric data; and
a database server for generating a data storage key from the consumer biometric data received from the biometric data capture device and for retrieving a data record corresponding to the generated data storage key.
1 Assignment
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Accused Products
Abstract
A system and method provide access to a consumer'"'"'s financial account without requiring a token or personal identifier. The system includes a biometric data capture device for capturing biometric data corresponding to the consumer. The biometric data is sent to a merchant payment host where it is used to generate a data storage key. Data records in an identity database are stored in the database by using keys generated from biometric data contained in the records. The biometric data contained in the records is obtained from consumers responsible for financial accounts maintained by the merchant payment host. When the merchant payment host locates a record in the database that corresponds to the key generated from the received biometric data, the host compares the received biometric data to the biometric data stored in the retrieved record. Correspondence between the two sets of data confirms the existence of a financial account for the consumer managed by the host and processing of a transaction may proceed. Security of the transaction is further enhanced by generating a digital signature from the biometric data for purposes of verifying a consumer approved transaction message.
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Citations
14 Claims
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1. A system for providing consumer access to a financial account to implement a transaction comprising:
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a biometric data capture device for reading consumer biometric data; and
a database server for generating a data storage key from the consumer biometric data received from the biometric data capture device and for retrieving a data record corresponding to the generated data storage key. - View Dependent Claims (2, 4, 5)
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3. A system for supporting consumer access to a financial account by means of biometric data solely comprising:
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a biometric data capture device for capturing biometric data corresponding to a consumer; and
a payment device for sending said captured biometric data to a merchant payment host as the identifier for the consumer'"'"'s financial account data.
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6. A system for verifying access to a consumer'"'"'s financial account comprising:
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a database server for generating a data storage key from biometric data received from a transaction site; and
an identity database comprised of data records stored with reference to a data storage key corresponding to biometric data contained within the data record so that the database server may retrieve records from the identity database using data storage keys generated from the received biometric data. - View Dependent Claims (7)
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8. A method for authorizing access to a financial account for a consumer comprising:
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generating a data storage key from biometric data corresponding to a consumer; and
retrieving a data record corresponding to the generated data storage key, the data record containing financial account data for the consumer. - View Dependent Claims (9, 10, 11, 12, 14)
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13. A method for accessing a financial account of a consumer comprising:
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capturing biometric data corresponding to a consumer; and
sending the captured biometric data to a merchant payment host to obtain financial account data from the merchant payment host.
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Specification