System for providing cardless payment

• US 20060173791A1
• Filed: 04/05/2006
• Published: 08/03/2006
• Est. Priority Date: 09/21/2001
• Status: Abandoned Application

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: First USA Bank N.A. (JP Morgan Chase & Co)
• Inventors: Hirka, Jeffrey L., Mann, William Frederick III
• Application Number:
  US11/398,281
• Publication Number:
  US 20060173791A1
• Time in Patent Office: Days
• US Class Current: 705/74
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder'"'"'s credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a store, catalog telephone order, or over the Internet. The alias and PIE are entered and authorization is returned from the credit card company.

Claims

1-43. -43. (canceled)

44. A transponder-reader transaction system configured with a biometric security device comprising:

a transponder configured to communicate with a reader, wherein the reader and a biometric security device are configured to communicate with a host;

the biometric security device comprising a biometric sensor configured to detect a proffered biometric sample, the biometric sensor further configured to communicate with the system; and

a verification device configured to verify the proffered biometric sample to facilitate a payment transaction.

45. The system of claim 44, wherein the verification device is further configured to verify whether the proffered biometric sample is associated with a preset transaction limitation and whether the payment transaction is in compliance with the preset transaction limitation.

46. The system of claim 45, wherein the preset transaction limitation comprises a maximum transaction amount, a minimum transaction amount, a maximum number of transactions within a certain time period, a maximum number of transactions, use by certain merchants, temporal limitation, geographical limitation, use of non-monetary funds and combinations thereof.

47. The system of claim 44, wherein the biometric sample comprises one or more fingerprints, one or more facial characteristics, voice, signature, vascular pattern, DNA, hand geometry, auditory emissions, smellprint, iris scan, retinal scan or combinations thereof.

48. The system of claim 47, wherein the biometric sensor is configured to communicate with the transponder-reader transaction system via a transponder, a reader or a network.

49. The system of claim 48, further comprising a database configured to store proffered and registered biometric samples, proffered and registered user information or combinations thereof.

50. The system of claim 47, further comprising a comparison device configured to compare the proffered biometric sample with a stored biometric sample of a user.

51. The system of claim 50, wherein the stored biometric sample comprises a registered biometric sample.

52. The system of claim 51, wherein the registered biometric sample is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

53. The system of claim 52, wherein the registered biometric sample is associated with at least two accounts, wherein the two accounts include at least one of a credit card account, a debit card account, a savings account, a private label account, a stored value account and a loyalty point account.

54. The system of claim 51, wherein the device configured to associate the proffered biometric sample is configured to associate different proffered biometric samples with a different one of personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

55. The system of claim 47, wherein the verification device is further configured to facilitate access, activation of a device, a financial transaction, a non-financial transaction or combinations thereof.

56. A transponder-reader transaction system configured with a biometric security device comprising:

a transponder configured to communicate with a reader, wherein the reader and the biometric security device are configured to communicate with a host;

the biometric security device comprising a biometric sensor configured to detect a proffered biometric sample, the biometric sensor further configured to communicate with the system;

the transponder configured to communicate an identifier to the system; and

a verification device configured to verify the proffered biometric sample and the identifier number to facilitate a payment transaction.

57. The system of claim 56 wherein the verification device is further configured to verify whether the proffered biometric sample and identification number are associated with a preset transaction limitation and whether the payment transaction is in compliance with the preset transaction limitation.

58. The system of claim 57 wherein the preset transaction limitation comprises a maximum transaction amount, a minimum transaction amount, a maximum number of transactions within a certain time period, a maximum number of transactions, use by certain merchants, temporal limitation, geographical limitation, use of non-monetary funds and combinations thereof.

59. The system of claim 56, wherein the biometric sample comprises one or more fingerprints, one or more facial characteristics, voice, signature, vascular pattern, DNA, hand geometry, auditory emissions, smellprint, iris scan, retinal scan or combinations thereof.

60. The system of claim 59, wherein the biometric sensor is configured to communicate with the transponder-reader transaction system via a transponder, a reader or a network.

61. The system of claim 60, further comprising a database configured to store proffered and registered biometric samples, proffered and registered user information or combinations thereof.

62. The system of claim 59, further comprising a comparison device configured to compare the proffered biometric sample with a stored biometric sample of a user.

63. The system of claim 62, wherein the stored biometric sample comprises a registered biometric sample.

64. The system of claim 63, wherein the registered biometric sample is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

65. The system of claim 64, wherein the registered biometric sample is associated with at least two accounts, wherein the two accounts include at least one of a credit card account, a debit card account, a savings account, a private label account, a stored value account and a loyalty point account.

66. The system of claim 63, wherein the device configured to associate the proffered biometric sample is configured to associate different proffered biometric samples with a different one of personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

67. The system of claim 62, wherein the comparison device is further configured to compare the communicated identifier with a stored identifier.

68. The system of claim 67, wherein the stored identifier is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

69. The system of claim 67, wherein the identifier comprises a number, an alphanumeric or a biometric.

70. The system of claim 59, wherein the verification device is further configured to facilitate access, activation of a device, a financial transaction, a non-financial transaction or combinations thereof.

71. A method for facilitating a transaction with a biometric sensor comprising:

communicating an identifier stored in a transponder to a reader;

detecting a proffered biometric sample by a biometric sensor;

communicating the proffered biometric sample to the system;

verifying the proffered biometric sample; and

facilitating a payment transaction.

72. The method of claim 71, further comprising verifying whether the proffered biometric sample is associated with a preset transaction limitation and whether the payment transaction is in compliance with the preset transaction limitation.

73. The method of claim 72, wherein the preset transaction limitation comprises a maximum transaction amount, a minimum transaction amount, a maximum number of transactions within a certain time period, a maximum number of transactions, use by certain merchants, temporal limitation, geographical limitation, use of non-monetary funds and combinations thereof.

74. The method of claim 71, wherein the biometric sample comprises one or more fingerprints, one or more facial characteristics, voice, signature, vascular pattern, DNA, hand geometry, auditory emissions, smellprint, iris scan, retinal scan or combinations thereof.

75. The method of claim 74, wherein the biometric sensor is configured to communicate with the transponder-reader transaction system via a transponder, a reader or a network.

76. The method of claim 75, further comprising storing proffered and registered biometric samples, proffered and registered user information or combinations thereof, in a database.

77. The method of claim 74, further comprising a comparison device configured to compare the proffered biometric sample with a stored biometric sample of a user.

78. The method of claim 77, wherein the stored biometric sample comprises a registered biometric sample.

79. The method of claim 78, wherein the registered biometric sample is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

80. The system of claim 79, wherein the registered biometric sample is associated with at least two accounts, wherein the two accounts include at least one of a credit card account, a debit card account, a savings account, a private label account, a stored value account and a loyalty point account.

81. The method of claim 79, wherein the comparison device is further configured to compare the communicated identifier with a stored identifier.

82. The method of claim 80, wherein the stored identifier is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

83. The method of claim 82, wherein the identifier comprises a number, an alphanumeric or a biometric.

84. The method of claim 79, further comprising associating the proffered biometric sample is configured to associate different proffered biometric samples with a different one of personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

85. The method of claim 71, further comprising facilitating access, activation of a device, a financial transaction, a non-financial transaction or combinations thereof by validation of the proffered biometric sample.

86. A system for registering biometric information for use with a transponder-reader system comprising:

a biometric sensor configured to detect a proffered biometric sample;

a device configured to associate the proffered biometric sample with user information and transponder information, wherein the proffered biometric sample is associated with at least two accounts, wherein the at least two accounts comprise at least two of a charge card account, a credit card account, a debit card account, a savings account, a private label account, a stored value account, a PayPal®

account, a membership account, a Western Union®

account, an electronic bill payment account, an automatic bill payment account and a loyalty point account; and

a database configured to store the associated proffered biometric sample and user information.

87. The system of claim 86, wherein the database is contained in one of the transponder, a transponder reader, a sensor, a remote server, a merchant server and the transponder-reader system.

88. The system of claim 86, wherein the device is further configured to process, store and verify the proffered biometric sample.

89. The system of claim 88, wherein the biometric sample comprises one or more fingerprints, one or more facial characteristics, voice, signature, vascular pattern, DNA, hand geometry, auditory emissions, smellprint, iris scan, retinal scan or combinations thereof.

90. The system of claim 89, wherein the biometric sample is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

91. The system of claim 89, wherein the device configured to associate the proffered biometric sample is configured to associate different proffered biometric samples with a different one of personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

92. A system for registering biometric information for use with a transponder-reader system comprising:

a biometric sensor configured to detect a proffered biometric sample;

a device configured to associate the proffered biometric sample with user information and transponder information, wherein the device is further configured to associate the proffered biometric sample with a preset transaction limitation; and

a database configured to store the associated proffered biometric sample and user information.

93. The system of claim 92, wherein the database is contained in one of the transponder, a transponder reader, a sensor, a remote server, a merchant server and the transponder-reader system.

94. The system of claim 92, wherein the device is further configured to process, store and verify the proffered biometric sample.

95. The system of claim 94, wherein the biometric sample comprises one or more fingerprints, one or more facial characteristics, voice, signature, vascular pattern, DNA, hand geometry, auditory emissions, smellprint, iris scan, retinal scan or combinations thereof.

96. The system of claim 95, wherein the biometric sample is associated with personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

97. The system of claim 96, wherein the device configured to associate the proffered biometric sample is configured to associate different proffered biometric samples with a different one of personal information of the user, credit card information of the user, debit card information of the user, savings account information of the user, stored value account information of the user and loyalty point information of the user.

98. A method for registering biometric information for use in a transponder-reader system comprising:

receiving a proffered biometric sample at a sample receiver;

receiving user information and transponder information at the sample receiver;

associating the proffered biometric sample with the user information and the transponder information;

associating the proffered biometric sample with at least one of a charge card account, a credit card account, a debit card account, a savings account, a private label account, a stored value account and a loyalty point account; and

associating the proffered biometric sample with a transaction limitation.