Biometric financial transaction system and method

• US 8,452,680 B1
• Filed: 10/28/2011
• Issued: 05/28/2013
• Est. Priority Date: 05/31/2000
• Status: Expired due to Fees

• Current Assignee: Open Invention Network LLC
• Original Assignee: Open Invention Network LLC
• Inventors: Lapsley, Philip D., Gioia, Philip J., Kleeman, Michael
• Primary Examiner(s): Trammell, James
• Assistant Examiner(s): Malhotra, Sanjeev
• Application Number:
  US13/284,219
• Time in Patent Office: 578 Days
• Field of Search: 705/3, 705/44, 705/67, 705/75, 705/76, 713/186, 715/811, 235/492, 702/104, 340/426.19, 380/258, 382/100, 382/115, 382/126, 379/145, 435/5
• US Class Current: 705/35
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G16H 40/67 for remote operation

Abstract

Tokenless biometric authorization of transaction between a consumer and a merchant uses an identicator and an access device. A consumer registers with the identicator a biometric sample taken from the consumer. The consumer and merchant establish communications via the access device. The merchant proposes a transaction to the consumer via the access device. The access device communicates to the merchant associated with the access device. After the consumer and merchant have agreed on the transaction, the consumer and the identicator use the access device to establish communications. The access device communicates to the identicator the code associated with the access device. The identicator compares biometric sample from the consumer with registered biometric sample. Upon successful identification, the identicator forwards information regarding the consumer to the merchant. These steps accomplish a biometrically authorized electronic financial transaction without the consumer having to present any personalized man-made memory tokens.

Claims

1. A method, comprising:

receiving, at a data processing center with which an individual has registered a wireless device identification code associated with a wireless device, financial account data, and a biometric sample, a first request to use the financial account data of the individual for a transaction, the first request at least including entity identifying information and being received from an entity device in communication with the wireless device;

receiving, at the data processing center, a second request to use the financial account data of the individual for the transaction, wherein the second request is received from the wireless device;

receiving, at the data processing center, the biometric sample taken directly from the individual'"'"'s person, wherein the biometric sample is received via the wireless device;

comparing, at the data processing center, the biometric sample with one or more registered biometric samples to produce a successful or failed identification of the individual; and

enabling, by the data processing center based upon a success identification of the individual, use of the financial account data of the individual for the transaction.

2. The method of claim 1, wherein the individual has additionally registered with the data processing center one or more of:

a name, an address, and an age.

3. The method of claim 1, wherein the wireless device is one or more of:

a wireless telephone, a two-way pager, a personal digital assistant, and a personal computer.

4. The method of claim 1, wherein the identification code is one or more of:

a telephone number, an electronic serial number, a hardware identification code, and an encryption of a challenge message using a private key.

5. The method of claim 1, wherein the first request also comprises the identification code associated with the wireless individual device.

6. The method of claim 1, comprising associating, at the data processing center, the second request from the individual with the first request from the entity.

7. The method of claim 1, comprising receiving the first request from the entity to return individual data including one or more of:

the financial account data of the individual, the name, the address, and the age.

8. The method of claim 1, wherein the first request comprises transaction data and the data processing center performs the transaction by using the financial account data of the individual.

9. A system, comprising:

a data processing center that;

receives a request from an entity device to use financial account data of an individual for a transaction, the request including a code associated with a wireless device of the individual and entity identifying information, wherein the wireless device is in communication with the entity device;

determines the individual to be associated with the wireless devices;

initiates a prompt for the individual to present a biometric sample via the wireless device;

receives the biometric sample from the wireless device; and

compares the biometric sample with one or more registered biometric samples to produce a successful or failed result, wherein upon successful comparison, the financial account data of the individual is enabled for use for the transaction.

10. The system of claim 9, wherein the data processing center receives a transferred connection between the entity and the individual, wherein the wireless devices of the individual is connected to the data processing center.

11. The system of claim 9, wherein the data processing center initiates the prompt by determining the appropriate wireless device via the code associated with the wireless device.

12. The system of claim 9, wherein upon a successful result of the comparison, the data processing center sends the financial account data of the individual to the entity.

13. The system of claim 9, wherein upon a successful result of the comparison, the data processing center performs the transaction using the financial account data of the individual.

14. The system of claim 9, wherein upon an unsuccessful comparison, the data processing center denies use of the financial account data of the individual for the transaction.

15. A data processing center, comprising:

a processor; and

a memory, wherein the processor and memory are communicatively coupled to one another;

wherein the processor;

initiates a prompt to a wireless device, wherein the prompt is at least for an input of a biometric sample from an individual;

receives a request from an entity to use financial account data of the individual for a transaction, the request including wireless device identification data;

receives, from a wireless device, the wireless device identification data;

matches the wireless device identification data received from the entity with the wireless device identification data receives from the wireless device; and

responds to the request from the entity.

16. The data processing center of claim 15, comprising a database that stores financial account data and one or more registered biometric samples that the individual has provided to the database.

17. The data processing center of claim 16, comprising a comparator engine that compares the one or more registered biometric samples to a biometric sample receives from a wireless device, wherein a successful comparison of the one or more registered biometric samples with the received biometric sample enables use of the financial account data of the individual operating the wireless device for the transaction.

18. The data processing center of claim 15, comprising a database that stores the wireless device identification data, wherein the stored wireless device identification data is one or more of:

a telephone number, an electronic serial number, a hardware identification code, and an encryption of a challenge message using a private key.

19. The data processing center of claim 18, wherein the stored wireless device identification data is associated with the one or more registered biometric samples and the financial account data.

20. The data processing center of claim 18, wherein the stored wireless device identification data is used to establish communication with the wireless device.