GENERATION SYSTEMS AND METHODS FOR TRANSACTION IDENTIFIERS HAVING BIOMETRIC KEYS ASSOCIATED THEREWITH
First Claim
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1. A one-time credit card number generation system, the system comprising:
- a processor;
a physical arrangement that receives a first biometric sample from a customer; and
a computer system that generates one-time credit card numbers which includes a computer-readable storage hardware device, wherein the computer-readable storage hardware device stores instructions that when executed, cause the processor to;
obtain a first biometric sample from the customer;
assign a one-time credit card number from a master pool of one-time credit card numbers;
receive an identifier from the customer;
map the assigned one-time credit card number to the identifier of the customer;
determine that a transaction using the one-time credit card number has been completed;
based on the determining that the transaction using the one-time credit card number has been completed, make available to the customer the ability to dispute the transaction completed using the assigned one-time credit card number, and obtain a second biometric sample from the customer;
retrieve the first biometric sample;
determine if the first biometric sample matches the second biometric sample; and
based on the determination that the first biometric sample does not match the second biometric sample, repudiate the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete.
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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.
7 Citations
20 Claims
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1. A one-time credit card number generation system, the system comprising:
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a processor; a physical arrangement that receives a first biometric sample from a customer; and a computer system that generates one-time credit card numbers which includes a computer-readable storage hardware device, wherein the computer-readable storage hardware device stores instructions that when executed, cause the processor to; obtain a first biometric sample from the customer; assign a one-time credit card number from a master pool of one-time credit card numbers; receive an identifier from the customer; map the assigned one-time credit card number to the identifier of the customer; determine that a transaction using the one-time credit card number has been completed; based on the determining that the transaction using the one-time credit card number has been completed, make available to the customer the ability to dispute the transaction completed using the assigned one-time credit card number, and obtain a second biometric sample from the customer; retrieve the first biometric sample; determine if the first biometric sample matches the second biometric sample; and based on the determination that the first biometric sample does not match the second biometric sample, repudiate the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete. - View Dependent Claims (2, 3, 4, 5)
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6. A method for using one-time use credit card numbers, the method comprising:
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obtaining, by a computer system, a first biometric sample from the customer; assigning, by the computer system, a one-time credit card number from a master pool of one-time credit card numbers; receiving, by the computer system, an identifier from the customer; mapping, by the computer system, the assigned one-time credit card number to the identifier of the customer; determining, by the computer system, that a transaction using the one-time credit card number has been completed; based on the determining that the transaction using the one-time credit card number has been completed, making available to the customer, by the computer system, the ability to dispute the transaction completed using the assigned one-time credit card number, and obtain a second biometric sample from the customer; retrieving, by the computer system, the first biometric sample; determining, by the computer system, if the first biometric sample matches the second biometric sample; and based on the determination that the first biometric sample does not match the second biometric sample, repudiating, by the computer system, the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete. - View Dependent Claims (7, 8, 9, 10)
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11. A non-transitory computer-readable storage hardware device for using one-time use credit card numbers, having instructions stored thereon, which when executed by a computer, cause the computer to:
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obtain a first biometric sample from the customer; assign a one-time credit card number from a master pool of one-time credit card numbers; receive an identifier from the customer; map the assigned one-time credit card number to the identifier of the customer; determine that a transaction using the one-time credit card number has been completed; based on the determining that the transaction using the one-time credit card number has been completed, make available to the customer the ability to dispute the transaction completed using the assigned one-time credit card number, and obtain a second biometric sample from the customer; retrieve the first biometric sample; determine if the first biometric sample matches the second biometric sample; and based on the determination that the first biometric sample does not match the second biometric sample, repudiate the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification