Biometric based authorization systems for electronic fund transfers

摘要

A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.

主权项

1. A method comprising the steps of:
receiving, with at least one processor, a biometric characteristic of a user; receiving, with the at least one processor, non-biometric identity information of the user; verifying, with the at least one processor, the non-biometric identity information corresponds to the user; comparing, with the at least one processor, at least one biometric characteristic of the user to biometric characteristics associated with a plurality of previously registered persons in a database; comparing, with the at least one processor, non-biometric identity information of the user to non-biometric identity information associated with the plurality of previously registered persons in the database; and registering, with the least one processor, the user by recording the biometric characteristic of the user and the non-biometric identity information of the user in the database based at least in part on:
the biometric characteristic of the user being unique because it does not match any individual biometric characteristic of the plurality of previously registered persons in the database; andthe non-biometric identity information of the user being unique because it does not match any individual non-biometric identity information of the plurality of previously registered persons in the database.