Biometric financial transaction system and method

• US 9,483,764 B1
• Filed: 01/08/2014
• Issued: 11/01/2016
• Est. Priority Date: 05/31/2000
• Status: Expired due to Fees

• Current Assignee: You Technology Incorporated
• Original Assignee: Open Invention Network LLC
• Inventors: Lapsley, Philip D., Gioia, Philip J., Kleeman, Michael
• Primary Examiner(s): Badii, Behrang
• Assistant Examiner(s): Malhotra, Sanjeev
• Application Number:
  US14/150,448
• Time in Patent Office: 1,028 Days
• Field of Search: 705/44, 705/58, 705/75, 235/379, 235/380, 235/487, 382/115, 340/5.1, 340/5.82, 380/258, 380/286, 713/159, 702/104, 307/10.5, 455/456.1
• US Class Current: 1/1
• 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, via a communication link, at a data processing center;

a biometric sample received from an individual, and

a first request to use requested data of the individual, the first request being received from an entity device in communication with a wireless device operated by the individual, the first request including;

a first wireless device identification code associated with the wireless device, and

entity identifying information associated with the entity device;

receiving, at the data processing center, a second request to use the requested data, wherein the second request is received by the data processing center from the wireless device via a separate communication link and includes a second wireless device identification code associated with the wireless device;

performing a first comparison, at the data processing center, to determine whether the first wireless device identification code and the second wireless identification code match, and, if the first comparison yields a match, performing a second comparison

at the data processing center, to determine whether the biometric sample received from the individual matches a registered biometric samples to produce a successful or failed result; and

enabling, by the data processing center based upon a successful comparison, use of the data of the individual.

2. The method of claim 1, wherein the biometric sample is included in the first request.

3. The method of claim 1, wherein the biometric sample is included in the second request.

4. The method of claim 1, wherein the requested data includes one or more of:

a name, an address, an age, and financial account data.

5. 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.

6. The method of claim 1, wherein the first and second a-wireless device identification codes are 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.

7. The method of claim 1, comprising associating, at the data processing center, the second request with the first request.

8. The method of claim 1, comprising receiving the first request from the entity to provide the entity with the requested data.

9. The method of claim 1, wherein the first request comprises transaction data and the data processing center performs a transaction by using the requested data.

10. A system, comprising:

a data processing center that;

receives, via a communication link, a biometric sample from an individual;

receives, via the communication link, a first request to use requested data of the individual, the request being received from an entity device in communication with a wireless device operated by the individual, the first request including;

a first wireless device identification code associated with the wireless device operated by the individual, and

entity identifying information associated with the entity device;

receives a second request to use the requested data, wherein the second request is received from the wireless device via a separate communication link and includes a second wireless device identification code associated with the wireless device;

performs a first comparison to determine whether the first wireless device identification code and the second wireless identification code match, and, if the first comparison yields a match;

performs a second comparison to determine whether the biometric sample received from the individual matches a registered biometric sample to produce a successful or failed result, wherein upon successful comparison, the requested data is authorized for use.

11. The system of claim 10, wherein the data processing center receives a transferred connection between the entity and the individual, wherein the wireless device of the individual is connected to the data processing center via the separate communication link.

12. The system of claim 10, wherein the data processing center initiates a prompt for the individual to present the biometric sample via the wireless device, wherein the data processing center initiates the prompt by determining the appropriate wireless device via a wireless device identification code associated with the wireless device.

13. The system of claim 10, wherein upon a successful comparison, the data processing center sends the requested data to the entity.

14. The system of claim 10, wherein upon a successful comparison, the data processing center performs a transaction using the requested data.

15. The system of claim 10, wherein upon an unsuccessful comparison, the data processing center denies use of the requested data.

16. A data processing center, comprising:

a processor; and

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

wherein the processor;

receives, via a communication link, a request from an entity to use requested data of an individual, the request including first wireless device identification data received by the entity from a wireless device operated by the individual;

receives, from the wireless device via a separate communication link, second wireless device identification data;

determines if the received first and second wireless device identification data match;

upon the determination of a successful match of the first and second wireless device identification data, compares biometric data to identify the individual; and

responds to the request from the entity.

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

18. The data processing center of claim 17, comprising a comparator engine that compares the one or more registered biometric samples to a biometric sample received from the wireless device, wherein a successful comparison of the one or more registered biometric samples with the received biometric sample enables use of the requested data.

19. The data processing center of claim 16, comprising a database that stores 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.

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

21. The data processing center of claim 19, wherein the stored wireless device identification data is used to establish communication with the wireless device.