[특허]Using biometric tokens to pre-stage and complete transactions

Using biometric tokens to pre-stage and complete transactions 원문보기

IPC분류정보
국가/구분	United States(US) Patent 등록
국제특허분류(IPC7판)	G06Q-020/40 G06Q-020/28 G06Q-020/36 G07C-009/00
출원번호	US-0559027 (2006-11-13)
등록번호	US-9141956 (2015-09-22)
발명자 / 주소	Black, Jonathan Simon Birnie, Steven James McWhinnie, Shaun
출원인 / 주소	NCR Corporation
대리인 / 주소	Mehrle, Joseph P.
인용정보	피인용 횟수 : 0 인용 특허 : 38

초록 ▼

A system that supports multi-stage transactions through the use of biometric tokens, such as fingerprint images or iris scans. A user pre-stages a transaction by providing transaction details that can be used a later time to complete the transaction, and the system stores the transaction details in a transaction record that is identified by a biometric token captured from the user. In some systems, the biometric token is captured as part of the pre-staging process. In other systems, the biometric token is retrieved from a data store after the user has provided authentication information, such as a bank card or user-identification code coupled with a secret PIN code. When the user is ready to complete the pre-staged transaction, the system captures a second biometric token from the user and matches the second token to the one identifying the user's transaction record. The transaction details contained in that transaction record are then used to complete the user's transaction.

대표청구항 ▼

1. A method for conducting a transaction between a service establishment and a user, the method comprising: completing a first portion of the transaction between the service establishment and the user at a first computer by: receiving from the user information that includes transaction details related to the transaction;creating a database transaction record in a database of the service establishment that stores the transaction details for retrieval in completing a last portion of the transaction at a later time; andstoring a first biometric token which has been captured from the user's body in the database of the service establishment as a key or index identifier of the database transaction record; andat some time thereafter completing the last portion of the transaction by: capturing a second biometric token from the user's body by a second computer different from the first computer, the second computer being located at the service establishment;concluding that the second biometric token matches the first biometric token in the database of the service establishment;in response: retrieving the database transaction record associated with the first portion and identified by the first biometric token by the second computer; andproviding the transaction details to allow completing the last portion of the transaction by the second terminal; anddestroying the biometric tokens after either: completing the last portion of the transaction; orexpiration of a period within which the last portion of the transaction has not been completed. 2. The method of claim 1, where completing the first portion of the transaction includes capturing the first biometric token from the user's body. 3. The method of claim 1, where completing the first portion of the transaction includes receiving from the user information that authenticates the user. 4. The method of claim 3, where completing the first portion of the transaction includes, after authenticating the user, retrieving the first biometric token from a data store. 5. The method of claim 1, where the first computer is located at the service establishment. 6. The method of claim 1, where the first computer comprises a personal computer in the user's home. 7. The method of claim 1, where completing the first portion of the transaction further includes: receiving from the user additional information that includes additional transaction details related to additional transactions to be completed at additional later times;including in the transaction record the additional transaction details for each of the additional transactions. 8. The method of claim 1, where storing the first biometric token includes storing an image of a fingerprint captured from the user. 9. The method of claim 8, where capturing the second biometric token includes capturing another image of the user's fingerprint. 10. The method of claim 1, where storing the first biometric token includes storing an iris scan captured from the user. 11. The method of claim 9, where capturing the second biometric token includes conducting another scan of the user's iris.

이 특허에 인용된 특허 (38)

Drummond, Jay Paul; Blackson, Dale; Chen, Lilei; Cichon, Bob A.; Covert, Mark S.; Lepper, Bradrick Q.; Moales, Mark A.; Smith, Mark D.; Lemley, Robert J.; Califf, Jr., Michael E.; Joyce, Shawn D.; Moore, Phillip S.; Swingler, Steven C., Automated banking machine apparatus and system.
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Drummond, Jay Paul; Blackson, Dale; Cichon, Bob A.; Ess, Joseph C.; Covert, Mark S.; Moales, Mark A.; Weis, David W.; Smith, Mark D.; Richards, Bruce G.; Church, James, Automated banking machine apparatus and system.
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Bonalle,David S.; Salow,Glen, Biometric safeguard method for use with a smartcard.
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Drummond,Jay Paul; Blackson,Dale; Chen,Lilei; Cichon,Bob A.; Covert,Mark S.; Lepper,Bradrick Q.; Moales,Mark A.; Smith,Mark D.; Lemley,Robert J.; Califf, Jr.,Michael E.; Joyce,Shawn D.; Moore,Phillip, Cash dispensing automated banking machine system and method.
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Scanlon,Michael, Cash dispensing automated banking machine with disposable cash display.
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Ramachandran,Natarajan, Cash withdrawal from ATM via videophone.
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Sakamoto, Tetsuhiro, Digital data selling and buying transaction system, auxiliary digital data selling and buying system, digital data selling and buying transaction method, auxiliary digital data selling and buying method, and digital data selling and buying transaction apparatus.
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Gatto, James G., Electronic fund transfer or transaction system.
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Gatto James G. (3102 Sutherland Hill Ct. Fairfax VA 22031), Electronic fund transfer system.
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Tibor,Joan, Electronic transaction verification system.
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Tibor,Joan, Electronic transaction verification system.
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Patricia A. Recktenwald ; James M. Brabson ; Michael E. LeRoy ; Frank J. Lopuszynski ; Anthony J. Fernandes ; Terrance L. McGinnis ; Paul J. Wasson ; Philip L. Thacher, Item pick-up system.
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Campbell ; Jr. Carl M. (Newtown Square PA), Key management system for on-line communication.
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Fletcher,Christopher John, Limited use PIN system and method.
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Bjorn, Vance C., Method and apparatus for a token.
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Zaiken Kenneth A. ; Dehond Guy,BEX ; Boggs Dan, Method and system for defining transactions from a database log.
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Levine Frank E. (Austin TX) Mohan Chandrasekaran (San Jose CA), Method for concurrent record access, insertion, deletion and alteration using an index tree.
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Li Yang ; Rao D. Ramesh K. ; Subbiah Subramanian, Method of using fingerprints to authenticate wireless communications.
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Chisamore,Seth B.; Holladay,Christopher E.; Outlaw,Michael P.; Trevathan,Matthew B., Minutiae fingerprint transactions.
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Takhar Harinder S., Modifying a database using a fingerprint form.
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Eaton Morag M.,GBX ; Horn David,GBX ; Cranston Ian A.,GBX ; Ambler Stephen,GBX, Multi-transaction service system.
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Eaton Morag M.,GBX ; Horn David,GBX ; Cranston Ian A.,GBX ; Ambler Stephen,GBX ; Shanker Veerasamy S.,GBX ; Jorgensen Steen,NOX ; Riach David J. A.,GBX, Multi-transaction service system.
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Grunbok ; Jr. Warren William ; Martino Gilford Francis, Personal digital assistant based financial transaction method and system.
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Ramachandran, Natarajan, Portable automated banking apparatus and system.
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Black, Jonathan S.; Smith, Martin R.; Savage, John G., Self service terminal.
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Clark, Barrie, Self-service terminal.
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Briggs, Gregory J.; Rohr, Vincent M., Sub-containment concurrency for hierarchical data containers.
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Robinson,Timothy L.; Schildt,Bradford R.; Goff,Tennille V.; Corwin,Daniel J.; Watson,Timothy Neil, System and method for purchase benefits at a point of sale.
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Fox Barbara L. ; Waters Lester L. ; Spelman Jeffrey F. ; Seidensticker Robert B. ; Thomlinson Matthew W., System and method for secure electronic commerce transactions.
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Bonalle,David S.; Salow,Glen, System for biometric security using a smartcard.
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Kawan Joseph C., System for performing financial transactions using a smartcard.
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Burch, Lloyd Leon; Carter, Stephen R.; Earl, Douglas G., Techniques for preserving and managing identities in an audit log.
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Pathakis, Scott William; Beus, David Kent; Carter, Stephen R; Cook, Michael William; Davis, Howard Rollin; Nielson, Dustin Lance; Johnson, David Nephi; Griffis, Jerry E, Techniques for securing electronic identities.
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Pare ; Jr. David Ferrin ; Hoffman Ned ; Lee Jonathan Alexander, Tokenless biometric ATM access system.
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Pare ; Jr. David Ferrin ; Hoffman Ned ; Lee Jonathan Alexander, Tokenless identification of individuals.
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Anderson Robert W. (Morgan Hill CA) Brock Steven F. (San Jose CA) Gee May L. (San Jose CA), Transaction execution system with secure encryption key storage and communications.
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Balko, Soeren, Transaction load reduction for process completion.
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O'Brien,William G; Yeap,Tet Hin, User authentication for contact-less systems.
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Using biometric tokens to pre-stage and complete transactions 원문보기

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