Generation systems and methods for transaction identifiers having biometric keys associated therewith

• US 8,818,904 B2
• Filed: 01/17/2007
• Issued: 08/26/2014
• Est. Priority Date: 01/17/2007
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Keane, Tim, Seifert, Dean, Grahmann, Jonathan
• Primary Examiner(s): Ravetti, Dante
• Application Number:
  US11/623,956
• Publication Number:
  US 20080169345A1
• Time in Patent Office: 2,778 Days
• Field of Search: 235/380, 705/16, 705/21, 705/59, 705/64, 705/71, 380/44, 380/262, 380/278, 380/279
• US Class Current: 705/64
• 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. A one-time credit card number generation system, comprising:

a processor;

a physical arrangement that receives a first biometric sample from a customer;

a computer system that generates one-time credit card numbers, comprised of a computer-readable storage hardware device, wherein the computer-readable storage hardware device stores instructions that when executed, cause the processor to perform the steps of;

generating an array of conforming one-time credit card numbers;

populating a master pool with one-time credit card numbers;

selecting randomly, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers;

creating a hash using the first biometric sample;

assigning the one-time credit card number from the master pool using the hash;

receiving an identifier from the customer;

mapping the selected one-time credit card number to the identifier of the customer;

determining a transaction using the one-time credit card number being complete,

based on the determining that the transaction using the one-time credit card number being complete, making available to the customer the ability to dispute the transaction completed using the selected one-time credit card number;

based on the determining that the transaction using the one-time credit card number being complete, obtaining a second biometric sample from the customer;

retrieving the first biometric sample;

determining that the first biometric sample matches the second biometric sample;

based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;

wherein repudiation occurs following the transaction using the one time credit card number being complete; and

based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction;

wherein affirmation occurs following the transaction using the one-time credit card number being complete.

2. The one-time credit card number generation system of claim 1, wherein the first biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan.

3. The one-time credit card number generation system of claim 1, wherein the instructions for populating the master pool with one-time credit card numbers further comprise instructions for:

randomly selecting, from the previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;

determining that the candidate one-time credit card number has previously been selected;

based on the determining that the candidate one-time credit card number has previously been selected, randomly selecting another one time credit card number from the previously generated array of conforming one-time credit card numbers; and

based on the determining that the candidate one-time credit card number has not previously been selected, inserting the one-time credit card number in the master pool.

4. The one-time credit card number generation system of claim 1, wherein the instructions further comprise instructions for receiving, from a merchant, a second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.

5. A method for using one time use credit card numbers, the method comprising:

generating, by the computer system, an array of conforming one-time credit card numbers;

populating, by the computer system, a master pool with one-time credit card numbers;

selecting randomly, by the computer system, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers;

creating, by the computer system, a hash using the first biometric sample;

assigning, by the computer system, the one-time credit card number from the master pool using the hash;

receiving, by the computer system, an identifier from the customer;

mapping, by the computer system, the selected one-time credit card number to the identifier of the customer;

determining, by the computer system, a transaction using the one-time credit card number being complete,

based on the determining that the transaction using the one-time credit card number being complete, making available to the customer the ability to dispute the transaction completed using the selected one-time credit card number;

based on the determining that the transaction using the one-time credit card number being complete, obtaining a second biometric sample from the customer;

retrieving, by the computer system, the first biometric sample;

determining that the first biometric sample matches the second biometric sample;

based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;

wherein repudiation occurs following the transaction using the one-time credit card number being complete; and

based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction;

wherein affirmation occurs following the transaction using the one-time credit card number being complete.

6. The method for using one time use credit card number of claim 5, further comprising:

completing a transaction using the selected one-time credit card number.

7. The method for using one time use credit cards number of claim 5, wherein populating, by the computer system, the master pool with one-time credit card numbers comprises:

randomly selecting, from the previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;

determining that the candidate one-time credit card number has previously been selected;

based on the determining that the candidate one-time credit card number has previously been selected, randomly selecting another one time credit card number from the previously generated array of conforming one-time credit card numbers; and

based on the determining that the candidate one-time credit card number has not previously been selected, inserting the one-time credit card number in the master pool.

8. The method for using one-time use credit card numbers of claim 5, further comprising:

receiving, by a merchant, a second biometric sample at the time a transaction is conducted by the customer using the selected one-time credit card number.

9. The method for using one-time use credit card numbers of claim 8, further comprising:

transmitting, by the merchant, the second biometric sample received at the time of the transaction is conducted by the customer to the computer system.

10. The method for using one-time use credit card numbers of claim 5, wherein the biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan.

11. A non-transitory computer-readable storage hardware device that analyzes a customer'"'"'s financial position and provides the customer with a personalized financial plan, the non-transitory computer-readable storage hardware device stores instructions that when executed, cause a processor to perform the steps of:

generating an array of conforming one-time credit card numbers;

populating a master pool with one-time credit card numbers;

selecting randomly, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers;

creating a hash using the first biometric sample;

assigning the one-time credit card number from the master pool using the hash;

receiving an identifier from the customer;

mapping the selected one-time credit card number to the identifier of the customer;

determining a transaction using the one-time credit card number being complete,

based on the determining that the transaction using the one-time credit card number being complete, making available to the customer the ability to dispute the transaction completed using the selected one-time credit card number;

based on the determining that the transaction using the one-time credit card number being complete, obtaining a second biometric sample from the customer;

retrieving the first biometric sample;

determining that the first biometric sample matches the second biometric sample;

based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;

wherein repudiation occurs following the transaction using the one time credit card number being complete; and

based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction;

wherein affirmation occurs following the transaction using the one-time credit card number being complete.

12. The non-transitory computer-readable storage hardware device of claim 11, wherein the computing program product further comprises instructions for:

receiving an indication that a transaction completed using the selected one-time credit card number is being disputed by the customer;

obtaining a second biometric sample from the customer;

retrieving the first biometric sample;

determining that the first biometric sample matches the second biometric sample;

based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;

wherein repudiation occurs following the transaction using the one-time credit card number being complete; and

based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction.

13. The non-transitory computer-readable storage hardware device of claim 11, wherein the instructions for populating the master pool with one-time credit card numbers comprises instructions for:

randomly selecting, from the previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;

determining that the candidate one-time credit card number has previously been selected;

based on the determining that the candidate one-time credit card number has previously been selected, randomly selecting another one time credit card number from the previously generated array of conforming one-time credit card numbers; and

based on the determining that the candidate one-time credit card number has not previously been selected, inserting the one-time credit card number in the master pool.

14. The non-transitory computer-readable storage hardware device of claim 11, wherein the biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan.

15. The non-transitory computer-readable storage hardware device of claim 11, wherein the instructions further comprise instructions for receiving, from a merchant, a second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.