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-0623956 (2007-01-17) |
등록번호 | US-8818904 (2014-08-26) |
발명자 / 주소 |
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 | 피인용 횟수 : 1 인용 특허 : 560 |
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 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.
1. 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-read
1. 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; andbased 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. 2. The one-time credit card number generation system of claim 1, wherein the first biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan. 3. The one-time credit card number generation system of claim 1, wherein the instructions for populating the master pool with one-time credit card numbers further comprise instructions for: randomly selecting, from the previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;determining that the candidate one-time credit card number has previously been selected;based on the determining that the candidate one-time credit card number has previously been selected, randomly selecting another one time credit card number from the previously generated array of conforming one-time credit card numbers; andbased on the determining that the candidate one-time credit card number has not previously been selected, inserting the one-time credit card number in the master pool. 4. The one-time credit card number generation system of claim 1, wherein the instructions further comprise instructions for receiving, from a merchant, a second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number. 5. 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; andbased 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. 6. The method for using one time use credit card number of claim 5, further comprising: completing a transaction using the selected one-time credit card number. 7. The method for using one time use credit cards number of claim 5, wherein populating, by the computer system, the master pool with one-time credit card numbers comprises: randomly selecting, from the previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;determining that the candidate one-time credit card number has previously been selected;based on the determining that the candidate one-time credit card number has previously been selected, randomly selecting another one time credit card number from the previously generated array of conforming one-time credit card numbers; andbased on the determining that the candidate one-time credit card number has not previously been selected, inserting the one-time credit card number in the master pool. 8. The method for using one-time use credit card numbers of claim 5, further comprising: receiving, by a merchant, a second biometric sample at the time a transaction is conducted by the customer using the selected one-time credit card number. 9. The method for using one-time use credit card numbers of claim 8, further comprising: transmitting, by the merchant, the second biometric sample received at the time of the transaction is conducted by the customer to the computer system. 10. The method for using one-time use credit card numbers of claim 5, wherein the biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan. 11. 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; andbased 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. 12. The non-transitory computer-readable storage hardware device of claim 11, wherein the computing program product further comprises instructions for: receiving an indication that a transaction completed using the selected one-time credit card number is being disputed by the customer;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; andbased on the determination that the first biometric sample does match the second biometric sample, affirming the transaction. 13. The non-transitory computer-readable storage hardware device of claim 11, wherein the instructions for populating the master pool with one-time credit card numbers comprises instructions for: randomly selecting, from the previously generated array of conforming one-time credit card numbers, a candidate one-time credit card number;determining that the candidate one-time credit card number has previously been selected;based on the determining that the candidate one-time credit card number has previously been selected, randomly selecting another one time credit card number from the previously generated array of conforming one-time credit card numbers; andbased on the determining that the candidate one-time credit card number has not previously been selected, inserting the one-time credit card number in the master pool. 14. The non-transitory computer-readable storage hardware device of claim 11, wherein the biometric sample comprises a selection from the group consisting of voiceprint, fingerprint, DNA sample, and retinal scan. 15. The non-transitory computer-readable storage hardware device of claim 11, wherein the instructions further comprise instructions for receiving, from a merchant, a second biometric sample received at the time a transaction is conducted by the customer with the merchant using the selected one-time credit card number.
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