US 9,542,684 B2Granted

Biometric based authorization systems for electronic fund transfers

AssigneeThe Western Union Company

InventorsMichael Jeronimus, Ken Algiene, Scott R. Paintin

Life of this patent

Estimating the term…

Loading patent…

Abstract

A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.

Claims14

Dependent claims

A method comprising the steps of:

receiving, with at least one processor, a biometric characteristic of a user;
receiving, with the at least one processor, non-biometric identity information of the user;
verifying, with the at least one processor, the non-biometric identity information corresponds to the user;
comparing, with the at least one processor, at least one biometric characteristic of the user to biometric characteristics associated with a plurality of previously registered persons in a database;
comparing, with the at least one processor, non-biometric identity information of the user to non-biometric identity information associated with the plurality of previously registered persons in the database;
and
registering, with the least one processor, the user by recording the biometric characteristic of the user and the non-biometric identity information of the user in the database based at least in part on:
the biometric characteristic of the user being unique because it does not match any individual biometric characteristic of the plurality of previously registered persons in the database;
and
the non-biometric identity information of the user being unique because it does not match any individual non-biometric identity information of the plurality of previously registered persons in the database.

7 more elements

A system comprising:

a host system having one or more processors configured for at least:
receiving a biometric characteristic of a user;
receiving non-biometric identity information of the user;
verifying the non-biometric identity information corresponds to the user;
comparing at least one biometric characteristic of the user to biometric characteristics associated with a plurality of previously registered persons in a database;
comparing non-biometric identity information of the user to non-biometric identity information associated with the plurality of previously registered persons in the database;
and
registering the user by recording the biometric characteristic of the user and the non-biometric identity information of the user in the database based at least in part on:
the biometric characteristic of the user being unique because it does not match any individual biometric characteristic of the previously registered persons in the database;
and
the non-biometric identity information of the user being unique because it does not match any individual non-biometric information of the plurality of previously registered persons in the database.

8 more elements

A non-transitory machine readable medium having instructions stored thereon, the instructions executable by one or more processors for at least:

receiving a biometric characteristic of a user;
receiving non-biometric identity information of the user;
verifying the non-biometric identity information corresponds to the user;
comparing at least one biometric characteristic of the user to biometric characteristics associated with a plurality of previously registered persons in a database;
comparing non-biometric identity information of the user to non-biometric identity information associated with the plurality of previously registered persons in the database;
and
registering the user by recording the biometric characteristic of the user and the non-biometric identity information of the user in the database based at least in part on:
the biometric characteristic of the user being unique because it does not match any individual biometric characteristic of the plurality of previously registered persons in the database;
and
the non-biometric identity information of the user being unique because it does not match any individual non-biometric identity information of the plurality of previously registered persons in the database.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/486,807Filed 15 Sep 2014 · continuation
Priority: 10 Feb 2006
Published: US 2015/0134527 A114 May 2015
Granted: 10 Jan 2017
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 20/40145
Identity check for transactions: biometric identity checks
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial

Family

Application60/772,406Us provisional application · filed 10 Feb 2006
Application11/562,371Parent of this continuation · filed 21 Nov 2006
Application13/722,186Parent of this continuation · filed 20 Dec 2012
US 8,345,931 B2Parent of this continuation · filed 1 Jan 2013
US 2015/0134527 A1Pre-grant publication · published 14 May 2015
US 8,837,784 B2Parent of this continuation
US 2007/0208662 A1Published application
US 2013/0238501 A1Published application
US 9,542,684 B2This patent

From the US filing history. Foreign family members aren’t listed.