System and method for creating an account using biometric information

• US 20050246291A1
• Filed: 04/14/2005
• Published: 11/03/2005
• Est. Priority Date: 04/14/2004
• Status: Abandoned Application

• Current Assignee: David Delgrosso, Fraser Orr
• Original Assignee: David Delgrosso, Fraser Orr
• Inventors: Delgrosso, David, Orr, Fraser
• Application Number:
  US11/105,759
• Publication Number:
  US 20050246291A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

A system and method for creating a user account record based on biometric information is provided. A biometric credential such as a fingerprint scan is provided, and is matched against records stored in a database. Information recalled in that search is compared against non-biometric information provided by a prospective user, thereby providing for the verification of the identity of the prospective user. Based on the verification of the identity of the prospective user, a new user account record is created.

Claims

1. A system for creating a user account, comprising:

a first storage for storing a biometric credential, wherein the first storage is accessible from a plurality of remote locations;

a second storage for storing verified non-biometric information regarding a user; and

,

a third storage for storing a new account record for the user, wherein the second and third storages are located remotely from the first storage.

2. The system of claim 1, further comprising:

a biometric credential input device for receiving the biometric credential.

3. The system of claim 1, further comprising:

a search query for determining whether the biometric credential exists in the first storage, wherein the search query comprises at least the biometric credential.

4. The system of claim 1, further comprising:

an analyst for verifying the identity of the user based on both the biometric credential and the non-biometric information.

5. The system of claim 1, further comprising:

an analyst for verifying the non-biometric information.

6. The system of claim 1, further comprising:

an analyst for analyzing historical information regarding the user and for creating an advisory determination based on the analysis of the historical information.

7. The system of claim 1, wherein the biometric credential is at least one of a fingerprint image or retinal scan image.

8. The system of claim 1, wherein the biometric credential is stored in a first memory, the non-biometric information is stored in a second memory and the account record is stored in a third memory.

9. The system of claim 8, wherein the first, second and third memories are separate and distinct from each other.

10. A method for creating a user account, comprising the steps of:

providing for receiving a biometric credential;

providing for searching a memory for the biometric credential, wherein the memory is accessible from a plurality of remote locations;

providing for verifying the identify of a user based on the biometric credential;

providing for receiving non-biometric information regarding the user; and

,

providing for creating an account record for the user.

11. The method of claim 10, further comprising the steps of:

providing for determining whether the biometric credential is stored in the memory; and

,

providing for storing the biometric credential in the memory upon a determination that the biometric credential is not stored in the memory.

12. The method of claim 10, further comprising the steps of:

providing for verifying the identity of the user based on both the biometric credential and the non-biometric information.

13. The method of claim 10, further comprising the steps of:

providing for verifying the non-biometric information.

14. The method of claim 10, further comprising the steps of:

providing for updating the non-biometric information.

15. The method of claim 10, further comprising the steps of:

providing for analyzing historical information regarding the user; and

,

providing for creating an advisory determination based on the analysis of the historical information.

16. The method of claim 10, wherein the biometric credential is at least one of a fingerprint image or retinal scan image.

17. The method of claim 10, wherein the biometric credential is stored in a first memory, the non-biometric information is stored in a second memory and the account record is stored in a third memory.

18. The method of claim 10, wherein the first, second and third memories are separate and distinct from each other.

19. The method of claim 10, further comprising the steps of:

providing for generating an alert upon a determination that the non-biometric information is inaccurate.

20. A method for creating a user banking account at a banking location based on an image of a fingerprint scan, comprising the steps of:

searching a memory for a matching image of the fingerprint scan, wherein the memory is located remotely from the banking location;

recalling non-biometric information regarding the user from the memory;

verifying the non-biometric information;

generating an alert upon a determination that the non-biometric information is inaccurate;

analyzing historical information regarding the user;

generating an advisory determination based on the analysis of the historical information; and

,

creating a user banking account record for the user.