Back to results
US 8,818,904 B2Granted
Generation systems and methods for transaction identifiers having biometric keys associated therewith
AssigneeThe Western Union Company
InventorsTim Keane, Dean Seifert, Jonathan Grahmann
Life of this patent
Estimating the term…
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.
Claims15
A one-time credit card number generation system, comprising:
- a processor;
- a physical arrangement that receives a first biometric sample from a customer;
- a computer system that generates one-time credit card numbers, comprised of a computer-readable storage hardware device, wherein the computer-readable storage hardware device stores instructions that when executed, cause the processor to perform the steps of:
- generating an array of conforming one-time credit card numbers;
- populating a master pool with one-time credit card numbers;
- selecting randomly, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers;
- creating a hash using the first biometric sample;
- assigning the one-time credit card number from the master pool using the hash;
- receiving an identifier from the customer;
- mapping the selected one-time credit card number to the identifier of the customer;
- determining a transaction using the one-time credit card number being complete,
- based on the determining that the transaction using the one-time credit card number being complete, making available to the customer the ability to dispute the transaction completed using the selected one-time credit card number;
- based on the determining that the transaction using the one-time credit card number being complete, obtaining a second biometric sample from the customer;
- retrieving the first biometric sample;
- determining that the first biometric sample matches the second biometric sample;
- based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;
- wherein repudiation occurs following the transaction using the one time credit card number being complete;
- and
- 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.
17 more elements
A method for using one time use credit card numbers, the method comprising:
- generating, by the computer system, an array of conforming one-time credit card numbers;
- populating, by the computer system, a master pool with one-time credit card numbers;
- selecting randomly, by the computer system, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers;
- creating, by the computer system, a hash using the first biometric sample;
- assigning, by the computer system, the one-time credit card number from the master pool using the hash;
- receiving, by the computer system, an identifier from the customer;
- mapping, by the computer system, the selected one-time credit card number to the identifier of the customer;
- determining, by the computer system, a transaction using the one-time credit card number being complete,
- based on the determining that the transaction using the one-time credit card number being complete, making available to the customer the ability to dispute the transaction completed using the selected one-time credit card number;
- based on the determining that the transaction using the one-time credit card number being complete, obtaining a second biometric sample from the customer;
- retrieving, by the computer system, the first biometric sample;
- determining that the first biometric sample matches the second biometric sample;
- based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;
- wherein repudiation occurs following the transaction using the one-time credit card number being complete;
- and
- 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.
14 more elements
A non-transitory computer-readable storage hardware device that analyzes a customer's financial position and provides the customer with a personalized financial plan, the non-transitory computer-readable storage hardware device stores instructions that when executed, cause a processor to perform the steps of:
- generating an array of conforming one-time credit card numbers;
- populating a master pool with one-time credit card numbers;
- selecting randomly, the one-time credit card number in the master pool, from the previously generated array of conforming one-time credit card numbers;
- creating a hash using the first biometric sample;
- assigning the one-time credit card number from the master pool using the hash;
- receiving an identifier from the customer;
- mapping the selected one-time credit card number to the identifier of the customer;
- determining a transaction using the one-time credit card number being complete,
- based on the determining that the transaction using the one-time credit card number being complete, making available to the customer the ability to dispute the transaction completed using the selected one-time credit card number;
- based on the determining that the transaction using the one-time credit card number being complete, obtaining a second biometric sample from the customer;
- retrieving the first biometric sample;
- determining that the first biometric sample matches the second biometric sample;
- based on the determination that the first biometric sample does not match the second biometric sample, repudiating the transaction;
- wherein repudiation occurs following the transaction using the one time credit card number being complete;
- and
- 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.
14 more elements
Dependencies are inferred from the claim text.