System and method for verifying user identity information in financial transactions

  • US 8,799,088 B2
  • Filed: 08/11/2010
  • Issued: 08/05/2014
  • Est. Priority Date: 06/11/2008
  • Status: Active Grant
First Claim
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1. A method for verifying the identity of users of financial services provider cards over a network, the method comprising:

  • providing a web site for verifying the identity of a user of a financial services provider card, the web site being hosted by at least one server in communication with the network;

    requesting, by the at least one server, a plurality of biometric identification data of the user;

    uploading the plurality of biometric identification data of the user requested by the at least one server via a network connected computing device to the web site;

    authenticating, by the at least one server, the uploaded plurality of biometric identification data with a biometric identification data stored in a related information repository;

    storing the plurality of biometric identification data in a database coupled to the at least one server; and

    uploading biometric identification data provided by the user at a point-of-sale terminal to the at least one server;

    determining, by the at least one server, if the biometric identification data provided by the user at point-of-sale of the terminal matches the biometric identification data retrieved from the database and sending a validation signal to the terminal if the biometric identification data provided by the user at point-of-sale of the terminal matches the biometric identification data retrieved from the database;

    receiving the validating signal at the point-of-sale terminal and executing a purchase transaction at a point-of sale terminal.

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