CUSTOMER AND PURCHASE IDENTIFICATION BASED UPON A SCANNED BIOMETRIC OF A CUSTOMER

• US 20110213709A1
• Filed: 05/12/2011
• Published: 09/01/2011
• Est. Priority Date: 02/05/2008
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: O'Hagan, Michael James, Griggs, Christopher R., Ghosh, Debashis, Giordano, Joseph A., Joa, David, Bendel, Timothy J., Newman, Kurt D.
• Application Number:
  US13/105,989
• Publication Number:
  US 20110213709A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G06V 40/19 Sensors therefor
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• 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 biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer desires to make a purchase with an associated payment amount from an entity. A determination may be made as to whether the identified customer has a default purchase at the entity. Information of an account of the customer to make a purchase may be received and funds in the account may be debited by the associated payment amount. An item corresponding with the purchase based upon the scanned iris may be determined.

Claims

1. An apparatus comprising:

at least one processor; and

at least one memory having stored therein computer executable instructions, that when executed by the at least one processor, cause the apparatus to perform a method of;

identifying a customer based upon a scanned iris of the customer;

determining whether the identified customer desires to make a purchase with an associated payment amount from an entity;

determining whether the identified customer has a default purchase at the entity;

receiving information of an account of the customer to make a purchase;

decreasing funds in the account by the associated payment amount; and

determining an item corresponding with the purchase based upon the scanned iris.

2. The apparatus of claim 1, further comprising an iris scanner configured to scan the iris of the customer.

3. The apparatus of claim 1, further comprising initiating an instruction to provide the item to the customer.

4. The apparatus of claim 1, wherein the default purchase is the item.

5. The apparatus of claim 1, the at least one memory having stored therein further computer executable instructions, that when executed by the at least one processor, cause the apparatus to perform a method of determining whether sufficient funds exist in the account to make the purchase.

6. The apparatus of claim 1, wherein determining whether the identified customer has the default purchase at the entity includes receiving customer designated information representative of at least one default item to purchase associated with the entity.

7. The apparatus of claim 6, wherein determining whether the identified customer has the default purchase at the entity includes:

determining whether the received customer designated information includes information representative of different purchase items for different times of a day;

determining a time of day the customer is identified.

8. The apparatus of claim 6, wherein determining whether the identified customer has the default purchase at the entity includes:

determining whether the received customer designated information includes information representative of different purchase items for different events;

determining an event when the customer is identified.

9. The apparatus of claim 8, wherein the event is an exterior weather temperature.

10. The apparatus of claim 8, wherein the event is a time of year.

11. A computer-implemented method comprising:

scanning an iris of a customer of an entity;

identifying the customer based upon the scanned iris;

determining whether the identified customer desires to make a purchase with an associated payment amount from the entity;

determining whether the identified customer has a default purchase at the entity;

receiving information of an account of the customer to make a purchase;

decreasing funds in the account by the associated payment amount; and

determining an item corresponding with the purchase based upon the scanned iris.

12. The computer-implemented method of claim 11, wherein the default purchase is the item.

13. The computer-implemented method of claim 11, further comprising determining whether sufficient funds exist in the account to make the purchase.

14. The computer-implemented method of claim 11, wherein determining whether the identified customer has the default purchase at the entity includes receiving customer designated information representative of at least one default item to purchase associated with the entity.

15. The computer-implemented method of claim 14, wherein determining whether the identified customer has the default purchase at the entity includes:

determining whether the received customer designated information includes information representative of different purchase items for different times of a day;

determining a time of day the customer is identified.

16. The computer-implemented method of claim 14, wherein determining whether the identified customer has the default purchase at the entity includes:

determining whether the received customer designated information includes information representative of different purchase items for different events;

determining an event when the customer is identified.

17. The computer-implemented method of claim 16, wherein the event is an exterior weather temperature.

18. The computer-implemented method of claim 16, wherein the event is a time of year.

19. One or more non-transitory computer-readable media storing computer-readable instructions that, when executed by at least one computer, cause the at least one computer to perform a method of:

scanning an iris of a customer of an entity;

identifying the customer based upon the scanned iris;

determining whether the identified customer desires to make a purchase with an associated payment amount from the entity;

determining whether the identified customer has a default purchase at the entity;

receiving information of an account of the customer to make a purchase;

decreasing funds in the account by the associated payment amount; and

determining an item corresponding with the purchase based upon the scanned iris.

20. The one or more non-transitory computer-readable media of claim 19, wherein determining whether the identified customer has the default purchase at the entity includes:

receiving customer designated information representative of at least one default item to purchase associated with the entity,

determining whether the received customer designated information includes information representative of different purchase items for one of;

different times of a day and different events, and

determining one of;

a time of day the customer is identified and an event when the customer is identified.