Generation systems and methods for transaction identifiers having biometric keys associated therewith

摘要

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.

主权项

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; and based 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.