Instant, physiologically-based execution of customer-oriented transactions

• US 20040117308A1
• Filed: 12/12/2002
• Published: 06/17/2004
• Est. Priority Date: 12/12/2002
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Bouknight, Wendell J. Jr.
• Application Number:
  US10/317,430
• Publication Number:
  US 20040117308A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition

Abstract

A user defines a transaction (or, equivalently, a sequence of operations) and registers that transaction in association with unique, user-specific physiological identification (such as the user'"'"'s fingerprint or retinal scan). When the user subsequently presents the physiological identification, the registered transaction is executed instantly and automatically, without requiring any further user input. Therefore, the user does not have to carry additional authentication media (such as an automated teller machine card issued by the bank) or remember additional information (such as personal identification numbers) to be able to perform transactions.

Claims

1. A method of instantly and automatically executing transactions, comprising steps of:

creating a unique association between user-specific biometric data and a particular transaction; and

responsive to presentment of the user-specific biometric data, instantly and automatically executing the particular transaction.

2. The method according to claim 1, wherein the creating step further comprises the steps of:

registering, for a user, unique user-specific biometric data;

defining, for the user, a particular transaction to be associated with the registered biometric data; and

storing an association between the registered biometric data and the defined transaction.

3. The method according to claim 1, wherein the executing step further comprises the steps of:

detecting that the user-specific biometric data has been presented; and

accessing the unique association between the biometric data and the particular transaction, thereby identifying the particular transaction to be executed.

4. The method according to claim 1, further comprising the step of providing a confirmation of success or failure of the executed transaction.

5. The method according to claim 2, wherein the defining step further comprises the step of defining all required parameter values for the particular transaction.

6. The method according to claim 2, wherein the defining step further comprises the steps of:

providing, by the user, parameter values for the particular transaction;

validating the provided values; and

repeating operation of the providing and validating steps until correct values are defined for all required parameters.

7. A method of instantly and automatically executing transactions, comprising steps of:

detecting that a user has presented user-specific biometric data;

accessing a stored association where the user-specific biometric data uniquely identifies a particular transaction; and

instantly and automatically executing the particular transaction.

8. The method according to claim 7, wherein the transaction is a banking transaction.

9. The method according to claim 7, wherein the user-specific biometric data is one of:

a fingerprint, a palm print, a voice print, a retinal scan, or skin-chemistry input.

10. The method according to claim 7, wherein more than one association is stored for the user, each of the associations having different types of biometric data, and wherein a different transaction is identified by each of the user'"'"'s different types of biometric data.

11. A system for instantly and automatically executing transactions, comprising:

means for registering, for a user, unique user-specific biometric data;

means for defining, for the user, a particular transaction to be associated with the registered biometric data;

means for storing a unique association between the registered biometric data and the defined transaction;

means for detecting that the user-specific biometric data has been presented;

means for accessing the unique association between the biometric data and the particular transaction, thereby identifying the particular transaction to be executed; and

means for instantly and automatically executing the identified transaction.

12. The system according to claim 11, wherein:

the means for registering, means for defining, and means for storing are repeatedly operated to register, define, and store biometric data and associated transactions for a plurality of users;

the means for detecting detects user-specific biometric data of a selected one of the plurality of users; and

the means for accessing identifies the particular transaction to be executed for the selected user.

13. A computer program product for instantly and automatically executing transactions, the computer program product embodied on one or more computer-usable media and comprising:

computer-readable program code means for detecting that a user has presented user-specific biometric data;

computer-readable program code means for accessing a stored association where the user-specific biometric data uniquely identifies a particular transaction; and

computer-readable program code means for instantly and automatically executing the particular transaction.

14. The computer program product according to claim 13, further comprising computer-readable program code means for providing confirmation of success or failure of the executed transaction.

15. A method of doing business by providing instant, physiologically-based customer-oriented transactions, further comprising steps of:

allowing users to register unique user-specific biometric data;

allowing users to define a particular transaction to be associated with each of the registered biometric data;

storing a unique association between the registered biometric data and the defined transaction for each user;

detecting that the user-specific biometric data for a selected user has been presented;

accessing the stored unique associations, thereby identifying the particular transaction to be executed for the selected user; and

instantly and automatically executing the identified transaction.

16. The method according to claim 15, further comprising the step of charging a fee for the registration.

17. The method according to claim 15, further comprising the step of charging a fee for executing the identified transaction.