System and method for determining the identity of a party associated with a transaction

• US 20040024709A1
• Filed: 07/31/2003
• Published: 02/05/2004
• Est. Priority Date: 08/05/2002
• Status: Abandoned Application

• Current Assignee: Applius Incorporated
• Original Assignee: Applius Incorporated
• Inventors: Hyde, J. Banks, Yu, Paul D.
• Application Number:
  US10/630,867
• Publication Number:
  US 20040024709A1
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

Systems and methods for determining identities of transaction parties are disclosed. One embodiment of the invention provides a method for determining identities of transaction parties including: capturing a transaction image of a transaction party conducting a transaction at a transaction device at the time of the transaction; associating the transaction image with transaction information generated by the transaction device; and using the transaction image to verify whether the transaction party has an authority to conduct the transaction. Preferably, the associating includes cross-referencing the transaction image with the transaction information at the time of the transaction. The transaction information can include information related to one or more of date and time of the transaction. The transaction information can also include information related to the transaction device.

Claims

1. A method for determining identities of transaction parties comprising:

capturing a transaction image of a transaction party conducting a transaction at a transaction device at the time of the transaction;

associating the transaction image with transaction information generated by the transaction device; and

using the transaction image to verify whether the transaction party has an authority to conduct the transaction.

2. The method of claim 1, wherein the associating includes cross-referencing the transaction image with the transaction information at the time of the transaction.

3. The method of claim 1, wherein the transaction information includes information related to one or more of date and time of the transaction.

4. The method of claim 1, wherein the transaction information includes information related to the transaction device.

5. A method for processing transactions comprising:

storing an authenticated image of a person authorized to conduct transactions at a transaction device;

capturing a transaction image of a transaction party conducting a transaction at the transaction device during the transaction; and

comparing the transaction image with the authenticated image to determine whether the transaction party shown in the transaction image is the person shown in the authenticated image.

6. The method of claim 5, wherein the authenticated image is captured when the person is authorized to use the transaction device.

7. The method of claim 5, wherein the authenticated image is one of previously undisputed transaction images.

8. The method of claim 5, wherein the comparing is performed before the transaction is approved.

9. The method of claim 8, further comprising approving the transaction based on a result of the comparing.

10. The method of claim 8, further comprising denying the transaction based on a result of the comparing.

11. The method of claim 6, wherein the comparing is performed after the transaction has been concluded.

12. The method of claim 11, wherein the comparing is performed for resolving a dispute related to the transaction.

13. The method of claim 11, wherein the comparing is performed for investigating illegitimate transaction purposes.

14. A system comprising:

a transaction device configured to generate transaction information associated with a transaction performed by a transaction party, wherein the transaction information is associated with a reference number;

an image device coupled to the transaction device, wherein the image device is configured to capture a transaction image of the transaction party while the transaction party is conducting the transaction at the transaction device, wherein the transaction image is associated with the reference number; and

a database coupled to the image device, wherein the database is configured to store the transaction image, wherein the transaction image is retrievable from the database using the reference number.

15. The system of claim 14, wherein the transaction device is an electronic device that is configured to verify identity of transaction parties electronically.

16. The system of claim 14, wherein the transaction device is an automatic teller machine.

17. The system of claim 14, wherein the transaction device is a point of sale terminal.

18. The system of claim 14, wherein the transaction device is a passport scanning machine.

19. The system of claim 14, wherein the image device is a camera.

20. The system of claim 14, wherein the camera is a video recording device.