Biometric financial transaction system and method
First Claim
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.
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Accused Products
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.
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Citations
20 Claims
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1. A method, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system, comprising:
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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. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A data processing center, comprising:
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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. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification