Using biometric tokens to pre-stage and complete transactions

• US 9,141,956 B2
• Filed: 11/13/2006
• Issued: 09/22/2015
• Est. Priority Date: 11/13/2006
• Status: Active Grant

• Current Assignee: NCR Voyix Corporation
• Original Assignee: NCR Corporation (NCR Voyix Corporation)
• Inventors: Black, Jonathan Simon, Birnie, Steven James, McWhinnie, Shaun
• Primary Examiner(s): OBEID, MAMON A
• Application Number:
  US11/559,027
• Publication Number:
  US 20080114697A1
• Time in Patent Office: 3,235 Days
• Field of Search: 705/64, 705 16- 25
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/3674 involving authentication
• 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: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G07C 9/38 with central registration

Abstract

A system that supports multi-stage transactions through the use of biometric tokens, such as fingerprint images or iris scans. A user pre-stages a transaction by providing transaction details that can be used a later time to complete the transaction, and the system stores the transaction details in a transaction record that is identified by a biometric token captured from the user. In some systems, the biometric token is captured as part of the pre-staging process. In other systems, the biometric token is retrieved from a data store after the user has provided authentication information, such as a bank card or user-identification code coupled with a secret PIN code. When the user is ready to complete the pre-staged transaction, the system captures a second biometric token from the user and matches the second token to the one identifying the user'"'"'s transaction record. The transaction details contained in that transaction record are then used to complete the user'"'"'s transaction.

Claims

1. A method for conducting a transaction between a service establishment and a user, the method comprising:

completing a first portion of the transaction between the service establishment and the user at a first computer by;

receiving from the user information that includes transaction details related to the transaction;

creating a database transaction record in a database of the service establishment that stores the transaction details for retrieval in completing a last portion of the transaction at a later time; and

storing a first biometric token which has been captured from the user'"'"'s body in the database of the service establishment as a key or index identifier of the database transaction record; and

at some time thereafter completing the last portion of the transaction by;

capturing a second biometric token from the user'"'"'s body by a second computer different from the first computer, the second computer being located at the service establishment;

concluding that the second biometric token matches the first biometric token in the database of the service establishment;

in response;

retrieving the database transaction record associated with the first portion and identified by the first biometric token by the second computer; and

providing the transaction details to allow completing the last portion of the transaction by the second terminal; and

destroying the biometric tokens after either;

completing the last portion of the transaction;

or

expiration of a period within which the last portion of the transaction has not been completed.

2. The method of claim 1, where completing the first portion of the transaction includes capturing the first biometric token from the user'"'"'s body.

3. The method of claim 1, where completing the first portion of the transaction includes receiving from the user information that authenticates the user.

4. The method of claim 3, where completing the first portion of the transaction includes, after authenticating the user, retrieving the first biometric token from a data store.

5. The method of claim 1, where the first computer is located at the service establishment.

6. The method of claim 1, where the first computer comprises a personal computer in the user'"'"'s home.

7. The method of claim 1, where completing the first portion of the transaction further includes:

receiving from the user additional information that includes additional transaction details related to additional transactions to be completed at additional later times;

including in the transaction record the additional transaction details for each of the additional transactions.

8. The method of claim 1, where storing the first biometric token includes storing an image of a fingerprint captured from the user.

9. The method of claim 8, where capturing the second biometric token includes capturing another image of the user'"'"'s fingerprint.

10. The method of claim 1, where storing the first biometric token includes storing an iris scan captured from the user.

11. The method of claim 9, where capturing the second biometric token includes conducting another scan of the user'"'"'s iris.