SYSTEMS AND METHODS FOR PROCESSING CUSTOMER PURCHASE TRANSACTIONS USING BIOMETRIC DATA

• US 20140201080A1
• Filed: 12/20/2013
• Published: 07/17/2014
• Est. Priority Date: 01/14/2013
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Just, Richard
• Granted Patent: US 9,940,620 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. The processing entity may additionally receive transaction data, the transaction data reflecting the price of a purchase transaction by the customer. The processing entity may compare the received biometric data to stored biometric data associated with customers of a financial service provider and identify common biometric data. Additionally, the processing entity may correlate the common biometric data to a customer account associated with the financial service provider, compare the customer account associated with the financial service provider with the transaction data, and verify the customer account associated with the financial service provider contains adequate funds. Furthermore, the processing entity may authorize the purchase transaction.

Claims

1. A system for creating a customer purchase transaction using biometric data, comprising:

one or more processors; and

one or more memory devices storing instructions that, when executed by the one or more processors, cause the one or more processors to perform the operations of;

receiving biometric data of a customer, the biometric data being unique to the customer;

receiving transaction data, the transaction data reflecting at least a price of a purchase transaction by the customer;

comparing the received biometric data to stored biometric data associated with customers of a financial service provider;

identifying a customer account associated with the financial service provider based on the comparison;

verifying the identified customer account associated with the financial service provider contains adequate funds for the price of the purchase transaction; and

providing an indication authorizing the purchase transaction based on the verification.

2. The system of claim 1, wherein the one or more memory devices stores instructions that, when executed by the one or more processors, cause the one or more processors to perform further operations comprising:

requesting a selection of at least one form of biometric identification from a plurality of biometric identifications; and

receiving an indication that the customer has selected at least one form of biometric identification.

3. The system of claim 2, wherein the biometric identifications comprise at least one of a fingerprint scan, iris scan, facial recognition, and voice recognition.

4. The system of claim 1, wherein the one or more memory devices stores instructions that, when executed by the one or more processors, cause the one or more processors to perform further operations comprising:

receiving authorization information provided by the customer; and

authorizing the purchase transaction based at least on the authorization information and the verification.

5. The system of claim 1, wherein the one or more memory devices stores instructions that, when executed by the one or more processors, cause the one or more processors to perform further operations comprising:

determining a confidence value for the received biometric data indicating a quality associated with the received biometric data;

comparing the confidence value to a confidence threshold; and

identifying a customer account when the confidence value meets or exceeds the confidence threshold.

6. The system of claim 5, wherein the confidence threshold depends on a form of biometric identification associated with the received biometric data, the form of biometric data comprising at least one of a fingerprint scan, iris scan, facial recognition, and voice recognition.

7. The system of claim 5, wherein the one or more memory devices stores instructions that, when executed by the one or more processors, cause the one or more processors to perform further operations comprising:

requesting a second biometric data when the confidence value does not meet the confidence threshold; and

identifying the customer account associated with the financial service provider based at least on the second biometric data.

8. The system of claim 1, wherein the at least one biometric data is obtained from the customer at a payment terminal.

9. A method for processing a customer purchase transaction using biometric data, comprising:

receiving biometric data of a customer, the biometric data being unique to the customer;

receiving transaction data, the transaction data reflecting at least a price of a purchase transaction by the customer;

comparing, by one or more processors, the received biometric data to stored biometric data associated with customers of a financial service provider;

identifying a customer account associated with the financial service provider based on the comparison;

verifying, by the one or more processors, the identified customer account associated with the financial service provider contains adequate funds for the price of the purchase transaction; and

providing an indication authorizing the purchase transaction based on the verification.

10. The method of claim 9, further comprising:

requesting a selection of at least one form of biometric identification from a plurality of biometric identifications; and

receiving an indication that the customer has selected at least one form of biometric identification.

11. The method of claim 10, wherein the biometric identifications comprise at least one of a fingerprint scan, iris scan, facial recognition, and voice recognition.

12. The method of claim 9, further comprising:

receiving authorization information provided by the customer; and

authorizing the purchase transaction based at least on the authorization information and the verification.

13. The method of claim 9, further comprising:

determining a confidence value for the received biometric data indicating a quality associated with the received biometric data;

comparing the confidence value to a confidence threshold; and

identifying a customer account when the confidence value meets or exceeds the confidence threshold.

14. The method of claim 13, wherein the confidence threshold depends on a form of biometric identification associated with the received biometric data, the form of biometric data comprising at least one of a fingerprint scan, iris scan, facial recognition, and voice recognition.

15. The method of claim 13, further comprising:

requesting a second biometric data when the confidence value does not meet the confidence threshold; and

identifying the customer account associated with the financial service provider based at least on the second biometric data.

16. The method of claim 9, wherein the at least one biometric data is obtained from the customer at a payment terminal.

17. A non-transitory computer-readable storage medium storing instructions that, when executed by a processor, cause the processor to perform operations comprising:

receiving biometric data of a customer, the biometric data being unique to the customer;

receiving transaction data, the transaction data reflecting at least a price of a purchase transaction by the customer;

comparing the received biometric data to stored biometric data associated with customers of a financial service provider;

identifying a customer account associated with the financial service provider based on the comparison;

verifying the identified customer account associated with the financial service provider contains adequate funds for the price of the purchase transaction; and

providing an indication authorizing the purchase transaction based on the verification.

18. The medium of claim 17, wherein the medium stores further instructions that, when executed by the processor, cause the processor to perform operations comprising:

determining a confidence value for the received biometric data indicating a quality associated with the received biometric data;

comparing the confidence value to a confidence threshold; and

identifying a customer account when the confidence value meets or exceeds the confidence threshold.

19. The medium of claim 18, wherein the confidence threshold depends on a form of biometric identification associated with the received biometric data, the form of biometric data comprising at least one of a fingerprint scan, iris scan, facial recognition, and voice recognition.

20. The medium of claim 19, wherein the medium stores further instructions that, when executed by the processor, cause the processor to perform operations comprising:

requesting a second biometric data when the confidence value does not meet the confidence threshold; and

identifying the customer account associated with the financial service provider based at least on the second biometric data.