Electronic transaction verification system with biometric authentication

• US 9,141,951 B2
• Filed: 07/03/2013
• Issued: 09/22/2015
• Est. Priority Date: 07/02/2009
• Status: Active Grant

• Current Assignee: Biometric Payment Solutions LLP
• Original Assignee: Biometric Payment Solutions
• Inventors: McNeal, Joan Tibor
• Primary Examiner(s): TRAIL, ALLYSON NEEL
• Application Number:
  US13/934,864
• Publication Number:
  US 20140025583A1
• Time in Patent Office: 811 Days
• Field of Search: 235/380, 235/382, 705/65
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. Customers can be enrolled in the system by receiving customer information that includes at least a biometric datum, associating the received customer information with a transaction instrument issued to the customers and storing the received customer information and the issued transaction instrument information in a database for future reference.

Claims

1. A method of enrolling one or more users in a transaction verification system, the method comprising:

obtaining user information from a user, the user information including at least a biometric datum;

obtaining from an entity issuing a transaction token, information associated with the transaction token, the transaction token issued to the user, the transaction token information being specific to the issued transaction token; and

associating the obtained user information with the specific transaction token information obtained from the issuing entity,

wherein the transaction token comprises a device with radio frequency identification.

2. The method of claim 1, wherein the biometric datum comprises a finger print, a voice print, a retinal scan or a face scan.

3. The method of claim 1, wherein the specific information includes a token number.

4. The method of claim 1, wherein the transaction token comprises a physical object.

5. The method of claim 1, wherein the user information and the transaction token information are stored in one or more information stores.

6. The method of claim 5, wherein the user information and the transaction token information are stored in the same information store.

7. The method of claim 5, wherein the user information and the transaction token information are stored in different information stores.

8. The method of claim 7, wherein the user information and the transaction token information have a common field that links the transaction token information and the user information.

9. The method of claim 8, wherein the common field is the biometric datum.

10. The method of claim 1, wherein the specific transaction token information is obtained from the issuing entity when a transaction token is issued to the user.

11. A system for enrolling an user in a transaction verification system, the enrolling system comprising:

a system configured to obtain user information from a user, the system including a biometric scanner configured to obtain at least one biometric datum associated with the user; and

at least one information store configured to store the obtained biometric datum, wherein the stored biometric datum is correlated with information specific to a transaction token issued to the user in the at least one information store, wherein the specific transaction token information is obtained from an entity issuing the transaction token,

wherein the transaction token comprises a device with radio frequency identification.

12. The system of claim 11, wherein the biometric datum comprises a finger print, a voice print, a retinal scan or a face scan.

13. The system of claim 11, wherein the specific information includes a token number.

14. The system of claim 11, wherein the transaction token comprises a physical object.

15. The system of claim 11, further comprising a second information store, wherein the user information is stored in a first information store and the transaction token information is stored in the second information store.

16. The system of claim 15, wherein the user information and the transaction token information have a common field that links the transaction token information and the user information.

17. The system of claim 16, wherein the common field is the biometric datum.

18. The system of claim 11, wherein the specific transaction token information is obtained periodically from the issuing entity.