초록 ▼

A cardless automated financial transaction apparatus includes an input device configured to generate an input signal corresponding to a customer identifier in response to actuation of the input device by a customer, a biometric device configured to receive biometric information about the customer, a

A cardless automated financial transaction apparatus includes an input device configured to generate an input signal corresponding to a customer identifier in response to actuation of the input device by a customer, a biometric device configured to receive biometric information about the customer, a storage device including a database of customer information, the customer information including stored biometric information, a connection to a banking network provider, and an electronic processor. The processor is configured to receive the input signals from the input device, receive biometric information from the biometric device, and access the database of customer information in response to the input signals to obtain data about the customer identified by the customer identifier, the data including stored biometric information for the customer. The processor then compares the received biometric information to the stored biometric information, and provides a message to the banking network provider confirming the customer's identity when the received biometric information matches the stored biometric information.

대표청구항 ▼

[ What is claimed is:] [1.]1. An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising:a user input device to receive a user identifier from a user;a biometric device to acquire biometric information of the user;a communication device to communi

[ What is claimed is:] [1.]1. An apparatus for providing automated financial transactions without the use of a card, the apparatus comprising:a user input device to receive a user identifier from a user;a biometric device to acquire biometric information of the user;a communication device to communicate with a remote financial services provider;a storage device including a database of user information, including stored biometric information on the user;a processor configured to:access the database to obtain the stored biometric information on the user,confirm the identity of the user using the acquired biometric information and the stored biometric information on the user and without using information obtained from a card, andtransmit a message to the remote financial services provider confirming the identity of the user when the identity of the user is confirmed.