Generation Systems And Methods For Transaction Identifiers Having Biometric Keys Associated Therewith

• US 20080169345A1
• Filed: 01/17/2007
• Published: 07/17/2008
• Est. Priority Date: 01/17/2007
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Seifert, Dean, Keane, Tim, Grahmann, Jonathan
• Granted Patent: US 8,818,904 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/348 Single-use cards, i.e. without possibility of recharging
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.

Claims

1. A transaction settlement identifier generation system, comprising:

an arrangement configured to receive a biometric sample from a customer;

an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements; and

a mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer.

2. The transaction settlement identifier generation system of claim 1, wherein the biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan.

3. The transaction settlement identifier generation system of claim 1, wherein the transaction settlement identifier comprises a one time use credit card number.

4. A system for associating a biometric sample with a transaction settlement identifier comprising:

a storage arrangement adapted to store transaction settlement identifiers and keys;

an input adapted to receive a biometric sample from a user; and

a processor programmed to execute;

instructions to receive the biometric sample from a user through the input;

instructions to use the biometric sample to select a transaction settlement identifier from a pool of predetermined transaction settlement identifiers; and

instructions to thereafter use the transaction settlement identifier to settle a transaction.

5. The system of claim 4, wherein the instructions to use the biometric sample to select a transaction settlement identifier from a pool of predetermined transaction settlement identifiers comprise:

instructions to use the biometric sample to generate a first key; and

instructions to store the first key and the transaction settlement identifier as a record.

6. The system of claim 5, wherein the instructions to use the biometric sample to generate a first key comprise:

instructions to generate the first key by a cryptographic hashing of the biometric sample.

7. The system of claim 4, wherein the transaction settlement identifier comprises a selection from the group consisting of:

an account number, a credit card number, a charge card number, a one time use credit card number, a money transfer control number, a transfer authentication number, a transaction identifier, a debit card number, and a stored value card number.

8. The system of claim 4, wherein the biometric sample comprises a selection from the group consisting of:

a voiceprint, a fingerprint, a retinal scan, and a DNA sample.

9. The system of claim 5, wherein the instructions to use the biometric sample to generate a first key comprise:

instructions to retrieve a second key associated with the transaction settlement identifier from the storage arrangement; and

instructions to generate the first key by mathematically combining the first key with a cryptographic hash of the transaction settlement identifier.

10. The system of claim 9, wherein the instructions to generate the first key by mathematically combining the first key with a cryptographic hash of the transaction settlement identifier further comprise instructions to apply an exclusive disjunction operator on the second key and the cryptographic hash of the transaction settlement identifier.

11. The system of claim 4, wherein the processor further comprises:

instructions to receive a request from a user for a transaction settlement identifier, wherein the transaction settlement identifier comprises a one-time-use credit card number;

instructions to retrieve a one-time-use credit card number from a pool of one-time-use credit card numbers; and

instructions to issue the one-time-use credit card number to the customer.

12. The system of claim 4, wherein the processor comprises instructions to generate a one-time credit-card number.

13. A method for associating a cryptographic hash of a physical sample with a financial identifier, the method comprising:

receiving a first biometric sample from a user;

using the biometric sample to select a transaction settlement identifier from a pool of predetermined transaction settlement identifiers; and

using the transaction settlement identifier to settle a transaction.

14. The method of claim 13, wherein the transaction settlement identifier comprises a selection from the group consisting of:

an account number, a credit card number, a charge card number, a one-time-use credit card number, a money transfer control number, a transfer authentication number, a transaction identifier, a debit card number, and a stored value card number.

15. The method of claim 13, wherein the biometric sample comprises a selection from the group consisting of:

a voiceprint, a fingerprint, a retinal scan, and a DNA sample.

16. The method of claim 13, wherein selecting a transaction settlement identifier from a pool of transaction settlement identifiers comprises:

generating a first key from the biometric sample; and

assigning the first key to the transaction settlement identifier.

17. The method of claim 16, wherein the generating a first key comprises:

retrieving a second key associated with the financial identifier from a database; and

mathematically combining the previous key with the hash to create the first key.

18. The method of claim 17, wherein mathematically combining the previous key with the hash to create the first key, further comprises applying an exclusive disjunction operation on the hash of the biometric feature and the previously generated key.

19. The method of claim 13, further comprising:

receiving a request from a user for a financial identifier, wherein the financial identifier comprises a one-time-use credit card number;

retrieving a one-time-use credit card number from a pool of one-time-use credit card numbers; and

issuing the one-time-use credit card number to the customer.

20. The method of claim 13, further comprising generating a one-time credit-card number.