SYSTEM AND METHOD FOR FORMLESS, SELF-SERVICE REGISTRATION FOR ACCESS TO FINANCIAL SERVICES
First Claim
1. A method for enabling users to access financial services with a central office system, including a central verification system, comprises the steps:
- creating a verifiable user record for a given user by the steps of;
receiving, from a given user at a fixed location, a verifiable user identification (ID) having the user'"'"'s photo attached thereto, which verifiable user ID can be verified with third party data associating the given user with the verifiable user ID;
receiving a biometric parameter of the given user;
photographing the given user proximate to the fixed location at which the verifiable user ID and the biometrics are input to obtain a photograph of the user; and
transmitting the verifiable ID, biometric parameter and the photograph to the central verification system;
storing as the verifiable user record, at the central verification system, for the given user, the information from the verifiable user ID and the biometric parameter of the given user;
providing a unique code from the central verification system to the given user after receipt of the verifiable user ID that is uniquely associated with the stored verifiable user record by the central verification system;
whereby the given user may use at least the unique code and biometric parameter to access a financial service with a user terminal.
1 Assignment
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Accused Products
Abstract
A system for enabling users to register to use external financial services comprises a central office comprising an operating platform including a communication interface and a user database having a plurality of records for individual users; wherein the central office communicates via the communication interface with a plurality of remote formless, self-service registration stations; whereby a registration station scans an identification card with a card scanner, photographs the user to create a verification image and records a biometric parameter unique to the user, whereupon the registration station transmits an image of the identification card, the biometric parameter and the verification image to the central office; wherein the operating platform translates text from the identification card and creates a record for the user and wherein the operating platform uses the translated text to populate fields in the user record and retrieves and displays the record to an administrator for review.
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Citations
19 Claims
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1. A method for enabling users to access financial services with a central office system, including a central verification system, comprises the steps:
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creating a verifiable user record for a given user by the steps of; receiving, from a given user at a fixed location, a verifiable user identification (ID) having the user'"'"'s photo attached thereto, which verifiable user ID can be verified with third party data associating the given user with the verifiable user ID; receiving a biometric parameter of the given user; photographing the given user proximate to the fixed location at which the verifiable user ID and the biometrics are input to obtain a photograph of the user; and transmitting the verifiable ID, biometric parameter and the photograph to the central verification system; storing as the verifiable user record, at the central verification system, for the given user, the information from the verifiable user ID and the biometric parameter of the given user; providing a unique code from the central verification system to the given user after receipt of the verifiable user ID that is uniquely associated with the stored verifiable user record by the central verification system; whereby the given user may use at least the unique code and biometric parameter to access a financial service with a user terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method of registering potential users of financial services provided by multiple institutions with a single formless registration, the method comprising:
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identifying an unregistered potential user of services physically present at a terminal; prompting the user to scan a photo identification card and capturing an image of the photo identification card; prompting the user to enter a biometric parameter; transmitting the captured image of the user photo identification card and the biometric parameter to a central office remote from the terminal as captured user information; creating a user record for the user at the central office; populating the user record with captured user information; transmitting a user customer identification number from the central office to the terminal, which user identification number is generated by the central office to uniquely define the user record associated with the captured user information; and displaying the customer identification number to the user, the customer identification number enabling a user to later access at least one of the plurality of service providers through the central office wherein the user enters the user'"'"'s customer identification number along with the user'"'"'s biometric at a terminal remote from the central office to access the service provider. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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Specification