GENERATION SYSTEMS AND METHODS FOR TRANSACTION IDENTIFIERS HAVING BIOMETRIC KEYS ASSOCIATED THEREWITH

• US 20150339674A1
• Filed: 08/05/2015
• Published: 11/26/2015
• Est. Priority Date: 01/17/2007
• Status: Abandoned Application

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Keane, Tim, Seifert, Dean, Grahmann, Jonathan
• Application Number:
  US14/818,326
• Publication Number:
  US 20150339674A1
• Time in Patent Office: Days
• US Class Current: 1/1
• 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. (canceled)

2. A one-time credit card number generation system, comprising:

an input device configured to receive a biometric sample from a customer;

an processing device configured to use the biometric sample to select a one-time credit card number from a pool of predetermined one-time credit card numbers; and

a mapping device configured to map the selected one-time credit card number to an identifier of the customer.

3. The one-time credit card number generation system of claim 2, wherein the input device configured to receive the biometric sample comprises a fingerprint scanner.

4. The one-time credit card number generation system of claim 2, wherein the processing device configured to use the biometric sample comprises a retinal scanner.

5. The one-time credit card number generation system of claim 2, wherein the biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan.

6. A system for associating a biometric sample with a one-time credit card number comprising:

a storage device configured to store one-time credit card number and keys;

an input device configured to receive a biometric sample from a user; and

a computer processor in communication with the storage device and the input device, wherein the computer processor is configured to execute sets of instruction which cause the computer processor to;

receive the biometric sample from a user through the input;

use the biometric sample to select a one-time credit card number from a pool of predetermined one-time credit card number; and

use the one-time credit card number to settle a transaction.

7. The system of claim 6, wherein the sets of instructions to use the biometric sample to select a one-time credit card number from a pool of predetermined one-time credit card numbers further cause the computer processor to:

use the biometric sample to generate a first key; and

store the first key and the one-time credit card number as a record.

8. The system of claim 7, wherein the sets of instructions to use the biometric sample to generate a first key further cause the computer processor to:

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

9. The system of claim 6, wherein the biometric sample comprises a selection from the group consisting of:

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

10. The system of claim 7, wherein the sets of instructions to use the biometric sample to generate a first key further cause the computer processor to:

retrieve a second key associated with the one-time credit card number from the storage arrangement; and

generate the first key by mathematically combining the first key with a cryptographic hash of the one-time credit card number.

11. The system of claim 10, wherein the instructions to generate the first key by mathematically combining the first key with a cryptographic hash of the one-time credit card number further comprise instructions to apply an exclusive disjunction operator on the second key and the cryptographic hash of the one-time credit card number.

12. The system of claim 6, wherein the sets of instructions further cause the commuter processor to:

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

13. The system of claim 6 wherein the sets of instructions further cause the commuter processor to:

generate a one-time credit-card number.

14. 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 one-time credit card number from a pool of predetermined one-time credit card numbers; and

using the one-time credit card number to settle a transaction.

15. The method of claim 14, 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 14, wherein selecting a one-time credit card number from a pool of one-time credit card numbers comprises:

generating a first key from the biometric sample; and

assigning the first key to the one-time credit card number.

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 14, further comprising:

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

20. The method of claim 14, further comprising generating a one-time credit-card number.