System and method for verifying user identity information in financial transactions

A system for using biometric identification data to positively identify users of financial services card, comprising:

• a remote server configured for requesting at least one biometric identification data of a user associated with a financial services card, the card being cross associated with a card identity;
• a network connected personal computing device configured for uploading the at least one biometric identification data of the user and for transmitting the at least one biometric identification data to be associated with the card to the remote server;
• the remote server further configured for authenticating the uploaded plurality of biometric identification data with biometric identification data stored in a related information repository;
• and storing a record of the uploaded at least one biometric identification data;
• a terminal configured for reading the card identity from the card, prompting the user to input the at least one biometric identification data and for transmitting the card identity and the inputted at least one biometric identification data to the remote server;
• and
• wherein the remote server is configured to verify the biometric identification data for the card for a transaction by retrieving the record of the user's biometric identification data record from the database, determining if the biometric identification data input into the terminal matches the record of biometric identification data retrieved from the database and sending a validation to the terminal if the biometric identification data entered into the terminal matches record of the biometric identification data retrieved from the database.

A computer server configured to:

• request at least one biometric identification data of a user associated with a financial services card, the card being cross associated with a card identity;
• receive, from a user device, the at least one biometric identification data of the user and for transmitting the at least one biometric identification data to be associated with the card to the remote server;
• authenticate the uploaded plurality of biometric identification data with biometric identification data stored in a related information repository;
• store a record of the uploaded at least one biometric identification data in a database;
• receive biometric identification data for the card for a transaction from a point-of-sale terminal;
• verify the biometric identification data for the card for a transaction by retrieving the record of the user's biometric identification data record from the database, determining if the biometric identification data from the point-of-sale terminal matches the record of biometric identification data retrieved from the database and sending a validation to the terminal if the biometric identification data from the point-of-sale terminal matches record of the biometric identification data retrieved from the database.