System and method for verifying user identity information in financial transactions
DC
First Claim
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1. A method for verifying the identity of users of financial services provider cards over a network, the method comprising:
- providing a web site for verifying the identity of a user of a financial services provider card, the web site being hosted by at least one server in communication with the network;
requesting, by the at least one server, a plurality of biometric identification data of the user;
uploading the plurality of biometric identification data of the user requested by the at least one server via a network connected computing device to the web site;
authenticating, by the at least one server, the uploaded plurality of biometric identification data with a biometric identification data stored in a related information repository;
storing the plurality of biometric identification data in a database coupled to the at least one server; and
uploading biometric identification data provided by the user at a point-of-sale terminal to the at least one server;
determining, by the at least one server, if the biometric identification data provided by the user at point-of-sale of the terminal matches the biometric identification data retrieved from the database and sending a validation signal to the terminal if the biometric identification data provided by the user at point-of-sale of the terminal matches the biometric identification data retrieved from the database;
receiving the validating signal at the point-of-sale terminal and executing a purchase transaction at a point-of sale terminal.
3 Assignments
Litigations
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Accused Products
Abstract
A system and method for verifying a user'"'"'s identity during a point-of-sale transaction are provided. The system and method provide for applying for, receiving and verifying a financial services provider card; providing a plurality of requested biometric identification data to a financial services provider; uploading the plurality of biometric identification data of a user requested by the financial services provider via a network connected computing device to a preselected website; storing the plurality of biometric identification data in a remote server coupled to the preselected website; and using the plurality of requested biometric identification data to execute a point-of-sale transaction, wherein a merchant can verify the financial services card with the biometric identification data provided by the remote server or provided by the user via a point-of-sale terminal.
19 Citations
21 Claims
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1. A method for verifying the identity of users of financial services provider cards over a network, the method comprising:
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providing a web site for verifying the identity of a user of a financial services provider card, the web site being hosted by at least one server in communication with the network; requesting, by the at least one server, a plurality of biometric identification data of the user; uploading the plurality of biometric identification data of the user requested by the at least one server via a network connected computing device to the web site; authenticating, by the at least one server, the uploaded plurality of biometric identification data with a biometric identification data stored in a related information repository; storing the plurality of biometric identification data in a database coupled to the at least one server; and uploading biometric identification data provided by the user at a point-of-sale terminal to the at least one server; determining, by the at least one server, if the biometric identification data provided by the user at point-of-sale of the terminal matches the biometric identification data retrieved from the database and sending a validation signal to the terminal if the biometric identification data provided by the user at point-of-sale of the terminal matches the biometric identification data retrieved from the database; receiving the validating signal at the point-of-sale terminal and executing a purchase transaction at a point-of sale terminal. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A system for using biometric identification data to positively identify users of financial services card, comprising:
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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. - View Dependent Claims (18, 19)
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20. A method for verifying the identity of users of financial services provider cards over a network, the method comprising:
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uploading biometric identification data provided by the user at a point-of-sale terminal to the at least one server wherein the biometric identification data stored on a user card; determining, by the at least one server, if the biometric identification data provided by the user card matches the biometric identification data retrieved from the database and sending a validation signal to the terminal if the biometric identification data provided by the user matches the biometric identification data retrieved from the database; receiving the validating signal at the point-of-sale terminal and executing a purchase transaction at a point-of sale terminal.
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21. A computer server configured to:
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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.
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Specification
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Litigation Data
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Current AssigneeAriel Inventions, LLC
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Original AssigneeSRR Patent Holdings LLC (Leigh M. Rothschild)
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InventorsRothschild, Leigh M.
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Primary Examiner(s)Shaawat, Mussa A
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Application NumberUS12/854,598Publication NumberTime in Patent Office1,455 DaysField of SearchNoneUS Class Current705/18CPC Class CodesG06Q 20/04 Payment circuitsG06Q 20/20 Point-of-sale [POS] network...G06Q 20/204 comprising interface for re...G06Q 20/3825 Use of electronic signaturesG06Q 20/40145 Biometric identity checksG06Q 40/00 Finance; Insurance; Tax str...
