최소 단어 이상 선택하여야 합니다.
최대 10 단어까지만 선택 가능합니다.
다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
NTIS 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
DataON 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Edison 바로가기다음과 같은 기능을 한번의 로그인으로 사용 할 수 있습니다.
Kafe 바로가기국가/구분 | United States(US) Patent 등록 |
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국제특허분류(IPC7판) |
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출원번호 | US-0722629 (1996-09-27) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 469 인용 특허 : 32 |
The system provides system and method for having a customer register with a computer system a PIN, one or more registration biometric samples, and one or more of the customer's financial accounts. During an initiation step, the customer initiates an account access at an ATM or a PC or any other fina
The system provides system and method for having a customer register with a computer system a PIN, one or more registration biometric samples, and one or more of the customer's financial accounts. During an initiation step, the customer initiates an account access at an ATM or a PC or any other financial access device, by entering the customer's personal authentication information comprising a PIN and at least one bid biometric sample. No portable man-made memory devices such as smartcards or swipe cards are used in this step. In a transmission step, an account access request message comprising the personal authentication information of the customer and other data are forwarded from the ATM to the computer system. After the computer system receives the personal authentication information in the account access request message, the personal authentication information is compared with the registration biometric samples to produce either a successful or failed identification of the customer in a customer identification step. Should such identification be successful, a financial account number of the customer is retrieved in a retrieval step. Finally, the customer is allowed to access the customer financial account after successful identification of the customer. As a result, a customer can access financial accounts without having to use any tokens such as portable man-made memory devices such as smartcards or swipe cards. This allows customers to quickly select one of a group of different financial accounts.
[ What is claimed is:] [1.] A method for tokenless access to financial accounts provided by various institutions, the method comprising the steps of:a. a customer registration step, wherein a customer registers with a computer system a PIN, one or more registration biometric samples, and one or more
[ What is claimed is:] [1.] A method for tokenless access to financial accounts provided by various institutions, the method comprising the steps of:a. a customer registration step, wherein a customer registers with a computer system a PIN, one or more registration biometric samples, and one or more customer financial accounts;b. an initiation step, wherein the customer initiates an account access at an ATM by entering the customer's personal authentication information comprising a PIN and at least one bid biometric sample, wherein no portable man-made memory devices such as smartcards or swipe cards are used;c. a transmission step, wherein an account access request message comprising the personal authentication information is forwarded from the ATM to the computer system;d. a customer identification step, wherein the computer system compares the personal authentication information in the account access request message with the registration biometric samples to produce either a successful or failed identification of the customer;e. an account retrieval step, wherein upon successful identification of the customer, a financial account number of the customer is retrieved; andf. an access step, wherein after successful identification of the customer and successful financial account number retrieval, the customer is allowed to access the customer financial account.
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