Tokenless biometric ATM access system

A computer implemented method for tokenless biometric access to financial accounts in institutions using an automated teller machine, and selecting from among different financial accounts, the method comprising the steps of:

• a. a user registration step, wherein a user registers with an electronic identicator one or more registration biometric samples, one or more user financial accounts, and assigns an account index code to a user financial account;
• b. an initiation step, wherein the user initiates an account access at an automated teller machine by entering at least one bid biometric sample directly from the user's person, wherein no portable man-made memory devices such as smartcards or swipe cards are used by the user;
• c. an account specification step, wherein the user enters an account index code;
• d. at least one transmission step, wherein an account access request message comprising the bid biometric data and the account index code is forwarded from the automated teller machine to the electronic identicator;
• e. a user identification step, wherein the electronic identicator compares the bid biometric data in the account access request message with the registration biometric samples to produce either a successful or failed identification of the user;
• f. an account retrieval step, wherein upon successful identification of the user, a financial account number of the user is retrieved using the account index code from the account access request message;
• and
• g. an access step, wherein after successful identification of the user and successful financial account number retrieval, the user is allowed to access the user financial account.

A computerized device for tokenless biometric access to financial accounts at an institution using an automated teller machine, the device comprising:

• a. an electronic identicator for comparing the bid and registration biometric samples of a user, wherein the electronic identicator compares the bid biometric sample in an account access request message with a registration biometric sample, to produce either a successful or failed identification of the user;
• b. a biometric input apparatus for submission of the user's biometric samples to the electronic identicator;
• c. at least one financial account;
• d. an account retrieval module, wherein upon successful identification of the user, at least one financial account of the user is retrieved;
• and
• e. an execution module for debiting and crediting the user's financial account;
• f. wherein after successful identification of the user and successful financial account retrieval, the user is allowed to access the user financial account;
• g. wherein no man made tokens such as cards or smartcards are presented for submitting a bid biometric sample.