Methods and apparatus for authorizing automated teller machine transactions using biometric data

A method, implemented using a server, for authorizing an automated teller machine transaction, the method comprising:

• receiving, at the server, a transaction authorization request, wherein the transaction authorization request includes an indication of an account identifier, an indication of a unique personal identifier of a customer, and an indication of biometric data for the customer;
• generating a customer verification request based on the unique personal identifier of the customer and the biometric data of the customer;
• sending the customer verification request to a biometric data authentication server;
• receiving a customer verification response from the biometric data authentication server;
• and
• generating a transaction authorization response based on the customer verification response.

An automated teller machine comprising:

• a biometric sensor;
• a computer processor and a data storage device, wherein the data storage device comprises a transaction authorization request generation module comprising non-transitory instructions executable by the computer processor to:
• receive inputs indicating an account identifier and a unique personal identifier of a customer;
• sense biometric data of the customer using the biometric sensor;
• receive a transaction indication indicating a transaction;
• and
• generate a transaction authorization request, wherein the transaction authorization request includes the account identifier, the unique personal identifier of the customer, the biometric data of the customer, and the transaction indication.

An apparatus for authorizing an automated teller machine transaction, the apparatus comprising:

• a computer processor and a data storage device, wherein the data storage device comprises a customer verification module and a transaction authorization module comprising non-transitory instructions executable by the processor to:
• receive a transaction authorization request, wherein the transaction authorization request includes an indication of an account identifier, an indication of a unique personal identifier of a customer, and an indication of biometric data for the customer;
• generate a customer verification request based on the unique personal identifier of the customer and the biometric data of the customer;
• send the customer verification request to a biometric data authentication server;
• receive a customer verification response from the biometric data authentication server;
• and
• generate a transaction authorization response based on the customer verification response.