Generation systems and methods for transaction identifiers having biometric keys associated therewith

• US 9,123,044 B2
• Filed: 06/29/2014
• Issued: 09/01/2015
• Est. Priority Date: 01/17/2007
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Keane, Tim, Seifert, Dean, Grahmann, Jonathan
• Primary Examiner(s): Ravetti, Dante
• Application Number:
  US14/318,683
• Publication Number:
  US 20140316986A1
• Time in Patent Office: 429 Days
• Field of Search: 705/16, 705/21, 705/59, 705/71, 380/44, 380/262, 380/278, 380/279
• US Class Current: 1/1
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/348 Single-use cards, i.e. without possibility of recharging
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.

Claims

1. A one-time credit card number generation system, the system comprising:

a processor;

a physical arrangement that receives a first biometric sample from a customer; and

a computer system that generates one-time credit card numbers;

a computer-readable storage hardware device, wherein the computer-readable storage hardware device stores instructions that when executed by the processor, cause the processor to perform the steps of;

creating a master pool or one-time credit card numbers;

obtaining a first biometric sample from the customer;

assigning a one-time credit card number from the master pool of one-time credit card numbers;

receiving an identifier from the customer;

mapping the assigned one-time credit card number to the received identifier of the customer;

using the created one-time credit card numbers in a transaction;

determining that a transaction using the one-time credit card number has been completed;

determining that the completed transaction is being disputed by the customer;

based on the determining that the transaction using the one-time credit card number has been completed, and disputed by the customer,

obtaining a second biometric sample from the customer;

retrieving the obtained first biometric sample;

determining that the first biometric sample matches the second obtained biometric sample; and

based on the determination that the first obtained biometric sample does not match the second obtained biometric sample, repudiating the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete.

2. The one-time credit card number generation system of claim 1, wherein the instructions that when executed, further cause the processor to perform the step of:

based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction, wherein affirmation occurs following the transaction using the one-time credit card number being complete.

3. The one-time credit card number generation system of claim 1, wherein the first biometric sample one or more of:

a voiceprint, a fingerprint, a DNA sample, and a retinal scan.

4. The one-time credit card number generation system of claim 1, wherein instructions for populating the master pool with one-time credit card numbers comprise the steps of:

selecting randomly, from a previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;

determining that the candidate one-time credit card number has previously been selected;

based on the determining that the candidate one-time credit card number has previously been selected, selecting randomly another one-time credit card number from the previously generated array of conforming one-time credit card numbers; and

based on the determining that the candidate one-time credit card number has not previously been selected, inserting the credit card number in the master pool.

5. The one-time credit card number generation system of claim 1, wherein the instructions further comprise instructions to perform the step of:

receiving, from a merchant, the second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.

6. A method for using one-time use credit card numbers, the method comprising:

creating, by the computer system, a master pool or one-time credit card numbers;

obtaining, by the computer system, a first biometric sample from the customer;

assigning, by the computer system, a one-time credit card number from the master pool of one-time credit card numbers;

receiving, by the computer system, an identifier from the customer;

mapping, by the computer system, the assigned one-time credit card number to the received identifier of the customer;

using, by the computer system, the created one-time credit card numbers in a transaction;

determining, by the computer system, that a transaction using the one-time credit card number has been completed;

determining, by the computer system, that the completed transaction is being disputed by the customer;

based on the determining that the transaction using the one-time credit card number has been completed and disputed by the customer, obtaining a second biometric sample from the customer, retrieving the obtained first biometric sample;

determining that the first obtained biometric sample matches the second obtained biometric sample, and

based on the determination that the first obtained biometric sample does not match the second obtained biometric sample, repudiating the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete.

7. The method for using one-time use credit card numbers of claim 6, further comprising, based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction, wherein affirmation occurs following the transaction using the one-time credit card number being complete.

8. The method for using one-time use credit card numbers of claim 6, wherein the first biometric sample one or more of:

a voiceprint, a fingerprint, a DNA sample, and a retinal scan.

9. The method for using one-time use credit card numbers of claim 6, further comprising:

selecting randomly, from a previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;

determining that the candidate one-time credit card number has previously been selected;

based on the determining that the candidate one-time credit card number has previously been selected, selecting randomly another one-time credit card number from the previously generated array of conforming one-time credit card numbers; and

based on the determining that the candidate one-time credit card number has not previously been selected, inserting the credit card number in the master pool.

10. The method for using one-time use credit card numbers of claim 6, further comprising receiving, from a merchant, the second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.

11. A non-transitory computer-readable storage hardware device for using one-time use credit card numbers, having instructions stored thereon, which when executed by a computer, cause the computer to perform the steps of:

creating a master pool or one-time credit card numbers;

obtaining a first biometric sample from the customer;

assigning a one-time credit card number from the master pool of one-time credit card numbers;

receiving an identifier from the customer;

mapping the assigned one-time credit card number to the received identifier of the customer;

using the created one-time credit card numbers in a transaction;

determining that a transaction using the one-time credit card number has been completed;

determining that the completed transaction is being disputed by the customer;

based on the determining that the transaction using the one-time credit card number has been completed and disputed by the customer,

obtaining a second biometric sample from the customer,

retrieving the obtained first biometric sample,

determining that the first obtained biometric sample matches the second obtained biometric sample, and

based on the determination that the first obtained biometric sample does not match the second obtained biometric sample, repudiating the transaction, wherein repudiation occurs following the transaction using the one-time credit card number being complete.

12. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 11, wherein the instructions that when executed, further cause the computer to perform the step of:

based on the determination that the first biometric sample does match the second biometric sample, affirming the transaction, wherein affirmation occurs following the transaction using the one-time credit card number being complete.

13. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 11, wherein the first biometric sample one or more of:

a voiceprint, a fingerprint, a DNA sample, and a retinal scan.

14. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers claim 11, wherein instructions for populating the master pool with one-time credit card numbers comprise instructions to perform the steps of:

selecting randomly, from a previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;

determining that the candidate one-time credit card number has previously been selected;

based on the determining that the candidate one-time credit card number has previously been selected, selecting randomly another one-time credit card number from the previously generated array of conforming one-time credit card numbers; and

based on the determining that the candidate one-time credit card number has not previously been selected, inserting the credit card number in the master pool.

15. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 11, wherein the instructions further comprise instructions to perform the step of:

receiving, from a merchant, the second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.

16. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 11, wherein the instructions that when executed, further cause the computer to perform the step to:

generating an array of conforming one-time credit card numbers.

17. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 16, wherein the instructions that when executed, further cause the computer to perform the step of:

populating a master pool with one-time credit card numbers.

18. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 17, wherein the instructions that when executed, further cause the computer to perform the step of:

selecting randomly, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers.

19. The non-transitory computer-readable storage hardware device for using one-time use credit card numbers of claim 18, wherein the instructions that when executed, further cause the computer to perform the step of:

creating a hash using the first biometric sample.

20. The non-transitory computer-readable storage hardware device of claim 11, wherein the instructions further comprise instructions to perform the step of:

receiving, from a merchant, the second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.