System and method for prepaid biometric redemption accounts
First Claim
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1. A method for enabling redemption of a product via a biometric authorization system, the method comprising:
- receiving a request for a user to purchase said product;
receiving biometric data associated with said user;
creating a user record, said user record comprising said biometric data;
receiving purchase information associated with a purchase of said product;
storing said purchase information in association with said user record;
adjusting said purchase information stored in said user record, wherein said adjusting comprises one or more of adding value to said product, canceling purchase of said product, requesting a refund of a portion of a value of said product, providing information about an additional user authorized to redeem said product, altering one or more portions of said product, and altering one or more of a time and location of redemption of said product;
at an authorization station, receiving a request to redeem said product, said redemption request comprising submission of biometric data;
comparing said submitted biometric data to biometric data stored in said user record;
if said submitted biometric data matches biometric data stored in said user record, then comparing said redemption request with said stored purchase information; and
authorizing redemption of said product if said redemption request meets a parameter defined by said stored purchase information.
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Abstract
A system and method of offering a redemption account that allows users to purchase in advance and subsequently redeem products and services from one or more vendors that are affiliated with the system. The present invention imparts a process by which users enrolled in a biometric authorization system can access a redemption account for advance purchased products and services by submitting their biometric data. Information stored in the user record can then be utilized to enable the fulfillment of the advance purchase.
81 Citations
13 Claims
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1. A method for enabling redemption of a product via a biometric authorization system, the method comprising:
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receiving a request for a user to purchase said product; receiving biometric data associated with said user; creating a user record, said user record comprising said biometric data; receiving purchase information associated with a purchase of said product; storing said purchase information in association with said user record; adjusting said purchase information stored in said user record, wherein said adjusting comprises one or more of adding value to said product, canceling purchase of said product, requesting a refund of a portion of a value of said product, providing information about an additional user authorized to redeem said product, altering one or more portions of said product, and altering one or more of a time and location of redemption of said product; at an authorization station, receiving a request to redeem said product, said redemption request comprising submission of biometric data; comparing said submitted biometric data to biometric data stored in said user record; if said submitted biometric data matches biometric data stored in said user record, then comparing said redemption request with said stored purchase information; and authorizing redemption of said product if said redemption request meets a parameter defined by said stored purchase information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for conducting a transaction, the method comprising:
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receiving a request for a user to purchase a product, said request comprising user biometric data and user financial information, said user financial information used for processing a payment associated with purchase of said product; determining whether said request meets a system parameter; if said request meets said system parameter, storing said request in a user record in a biometric authorization system; adjusting said purchase information stored in said user record, wherein said adjusting comprises one or more of adding value to said product, canceling purchase of said product, requesting a refund of a portion of a value of said product, providing information about an additional user authorized to redeem said product, altering one or more portions of said product, and altering one or more of a time and location of redemption of said product; processing said payment for said product; receiving, at an authorization station, a request to redeem one or more portions of said product, said redemption request comprising biometric data; if said biometric data matches biometric data stored in said user record, approving said redemption request; and updating said user record after redemption of said one or more portions of said product. - View Dependent Claims (13)
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Specification