Tokenless biometric ATM access system

  • US 5,764,789 A
  • Filed: 09/27/1996
  • Issued: 06/09/1998
  • Est. Priority Date: 11/28/1994
  • Status: Expired due to Term
First Claim
Patent Images

1. A method for tokenless access to financial accounts provided by various institutions, the method comprising the steps of:

  • a. a customer registration step, wherein a customer registers with a computer system a PIN, one or more registration biometric samples, and one or more customer financial accounts;

    b. an initiation step, wherein the customer initiates an account access at an ATM by entering the customer'"'"'s personal authentication information comprising a PIN and at least one bid biometric sample, wherein no portable man-made memory devices such as smartcards or swipe cards are used;

    c. a transmission step, wherein an account access request message comprising the personal authentication information is forwarded from the ATM to the computer system;

    d. a customer identification step, wherein the computer system compares the personal authentication information in the account access request message with the registration biometric samples to produce either a successful or failed identification of the customer;

    e. an account retrieval step, wherein upon successful identification of the customer, a financial account number of the customer is retrieved; and

    f. an access step, wherein after successful identification of the customer and successful financial account number retrieval, the customer is allowed to access the customer financial account.

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