Mobile biometric merchant transaction processing

A method for a customer to pay a merchant for a transaction comprising the use of a customer's biometric identification card, merchant's biometric identification card, merchant device and remote back-end host server comprising the steps of:

• logging on to the host application to process a customer payment;
• entering the transaction information by the merchant into a form displayed by the host application;
• inserting the merchant's biometric identification card into the merchant device;
• authenticating the merchant via the host application by comparing the live fingerprints of the merchant against the stored fingerprints in the biometric identification card;
• removing the merchants biometric identification card and inserting the customer's biometric identification card into the merchant device, or inserting the customer's biometric identification card into the customer-designated smart card slot in the merchant device;
• authenticating via the host application that the customer is the true owner of the customer biometric identification card by matching the customer's live fingerprint templates against the fingerprints stored in the customer's biometric identification card;
• reading the customer's available account information from the biometric identification card from the host application and displaying said information on the merchant device;
• selecting an available account as directed by the customer against which to process the payment;
• processing the transaction via the host application by the merchant;
• transmitting the payment information via the host application to the remote back-end host server;
• processing the transaction by the back-end host server and returning the result to the host application;
• updating the merchant and customer's biometric identification cards via the host application if the remote back-end host server processing was successful;
• and
• displaying the transaction information and processed transaction on the merchant device via the host application.

A method for a customer to pay a merchant for a transaction comprising the use of a customer's smart device, host application, merchant's biometric identification card, and merchant device comprising the steps of:

• logging on to the host application to process a customer payment;
• entering the transaction information by the merchant into a form displayed by the host application;
• inserting the merchants biometric identification card into the merchant device;
• authenticating the merchant via the host application by comparing the live fingerprints of the merchant against the stored fingerprints in the biometric identification card;
• plugging merchant device into customer's smart device via a wire-line communication interface;
• authenticating via the host application that the customer is the true owner of the customer smart device by matching the live fingerprint templates against the fingerprint template stored in the smart device;
• reading the customer's available account information by the host application from the smart device and displaying said information on the merchant device;
• selecting an available account as directed by the customer against which to process the payment;
• processing the transaction via the host application and sending the transaction information to the remote back-end host server;
• processing the transaction by the remote back-end host server and returning the result to the host application;
• updating the merchant's biometric identification card and customer's smart device by the host application if the remote back-end host processing is successful;
• and
• displaying the transaction information and processed transaction by the host
• application on the merchant device.

A method for a customer to pay a merchant for a transaction comprising a customer's biometric identification card, merchant's smart device, host application and merchant device comprising the steps of:

• logging on to the host application to process a customer payment;
• entering the transaction information by the merchant into a form displayed by the host application;
• plugging merchant's smart device into the merchant device;
• authenticating the merchant via the host application by comparing the live fingerprints of the merchant against the stored fingerprints in the smart device;
• inserting the customer's biometric identification card into the merchant device;
• authenticating via the host application that the customer is the true owner of the customer biometric identification card by matching the customer's live fingerprint against those stored in the customer's biometric identification card;
• reading the customer's available account by the host application from the biometric identification card and displaying said information on the merchant device;
• selecting an available account as directed by the customer against which to process the payment;
• processing the transaction via the host application and sending the transaction information to the remote back-end host server;
• processing the transaction by the remote back-end host server and returning the result to the host application;
• updating the merchant's smart device and customer's biometric identification
• card by the host application if the remote backend host processing was successful;
• and
• displaying the transaction information and processed transaction on the merchant device by the host application.

A method for a merchant or non-merchant to deposit money into his or her pre-paid account comprising a customer's biometric identification card, an authorized bank personnel, a smart card reader/scanner/writer, further comprising the steps of:

• requesting an authorized bank personnel from a participating banking institution to deposit customer's money onto his or her pre-paid account;
• starting and logging into the host application by the authorized bank personnel;
• authenticating the authorized bank personnel using his/her fingerprints;
• inserting the customer's biometric identification card into the smart card reader/scanner/writer and requesting the customer to provide his or her fingerprints;
• obtaining the live fingerprint templates by the host application from the reader/scanner/writer and matching the customer's stored fingerprints from the biometric identification card;
• terminating the process if the fingerprints do not match;
• reading the biometric identification card by the host application and displaying the customer's personal and account information on the personal computer;
• selecting the transfer of funds from customer's account by the bank personnel or collecting cash from the customer;
• entering the transfer amount or collected amount on the host application by the authorized bank personnel;
• formatting and encrypting the transaction information by the host application and sending the data to the remote back-end host server for processing;
• and
• updating the customer's biometric identification card by the host application if the remote backend host processing was successful.

A method for a merchant or non-merchant to deposit money into his or her pre-paid account using a customer's smart device, an authorized bank personnel and a RFID reader, comprising the steps of:

• requesting an authorized bank personnel from a participating banking institution to transfer money into customer's pre-paid account;
• starting and logging into the host application by the authorized bank personnel;
• authenticating the authorized bank personnel using his or her fingerprints;
• requesting the customer to provide his or her fingerprints by pressing fingerprint on the scanning area of the smart device;
• authenticating the customer by comparing the live fingerprint templates of the customer against the fingerprints stored in the smart device;
• storing the authentication result in a specially designated area of the smart device;
• reading the authentication result from the smart device by the host application;
• terminating the process by the host application if the authentication failed;
• reading the smart device by the host application and displaying the customer's personal and account information on the personal computer;
• selecting the transfer of funds from an account by the authorized bank personnel or collecting cash from the customer;
• entering the transfer amount or collected amount on the host application by the authorized bank personnel;
• formatting and encrypting the transaction information by the host application and sending the data to the remote back-end host server for processing;
• and
• updating the customer's smart device by the host application if the remote back-end host server processing was successful.

A method for a merchant or non-merchant to deposit money into his/her pre-paid account comprising a customer's smart device and a personal computer, further comprising the steps of:

• starting of the host application by the merchant or non-merchant and indicating that he/she wants to load money into his/her pre-paid account;
• pressing merchant's or non-merchant's fingerprint on the scanning area of the smart device;
• authenticating the merchant or non-merchant by comparing the live fingerprint templates with those stored in the smart device;
• storing the authentication result in a specially designated area of the smart device by the smart device;
• reading the authentication result from the smart device by the host application;
• terminating the process by the host application if the authentication failed;
• reading the smart device by the host application and displaying the customer's personal and account information on the personal computer;
• selecting the transfer of funds from account by the merchant or non-merchant;
• entering the transfer amount on the host application by the merchant or non-merchant;
• formatting and encrypting the transaction information by the host application and sending the data to the remote backend host for processing;
• and
• updating the customer's smart device by the host application if the remote backend host processing was successful.