Systems and methods for processing customer purchase transactions using biometric data

Abstract

A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. The processing entity may additionally receive transaction data, the transaction data reflecting the price of a purchase transaction by the customer. The processing entity may compare the received biometric data to stored biometric data associated with customers of a financial service provider and identify common biometric data. Additionally, the processing entity may correlate the common biometric data to a customer account associated with the financial service provider, compare the customer account associated with the financial service provider with the transaction data, and verify the customer account associated with the financial service provider contains adequate funds. Furthermore, the processing entity may authorize the purchase transaction.

1 - 20 . (canceled) 
     
     
         21 . An apparatus, comprising:
 one or more storage devices storing a set of instructions and user biometric data; and   at least one processor coupled to the one or more storage devices configured to execute the instructions to perform operations comprising:
 receiving, from a financial service provider, an authorization to process transactions using biometric data, the authorization comprising required biometric data to process transactions; 
 receiving, from a client device, client biometric data to process a transaction, the client biometric data corresponding to the required biometric data; 
 comparing the client biometric data with the stored user biometric data; 
 generating a confidence value based on the comparison; 
 identifying, when the confidence value meets a threshold value, a customer account associated with the client biometric data, the customer account representing a financial service account associated with the financial service provider; and 
 sending, to the financial service provider:
 account information of the identified customer account, the account information comprising a unique identifier associated with the identified financial service account; and 
 data for the transaction. 
 
   
     
     
         22 . The apparatus of  claim 21 , wherein sending the customer account information comprises sending a verification notice when the confidence value meets the threshold value, the verification notice indicating that the client biometric data was not fraudulently created. 
     
     
         23 . The apparatus of  claim 21 , wherein the operations further comprise:
 receiving, from the financial service provider, a transaction authorization verifying that the customer account has adequate funds available.   
     
     
         24 . The apparatus of  claim 23 , wherein operations further comprise:
 notifying the client device of a deduction when the transaction authorization verifies the availability of adequate funds.   
     
     
         25 . The apparatus of  claim 21  wherein the data for the transaction comprises purchase price, purchase time and date, product identification, and merchant identification. 
     
     
         26 . The apparatus of  claim 21 , wherein operations further comprise:
 providing, to the client device, an indication the purchase transaction cannot be completed when the confidence value does not meet the threshold value.   
     
     
         27 . The apparatus of  claim 21 , wherein
 the required client biometric data comprises a plurality of characteristics;   the confidence value is a first confidence value; and   the operations further comprise:
 when the confidence value does not meet the threshold value:
 comparing a second biometric characteristic with the stored user biometric data; 
 generating a second confidence value based on the second comparison; and 
 determining whether an aggregated confidence value meets the threshold value. 
 
   
     
     
         28 . The apparatus of  claim 27 , wherein the aggregated confidence value comprises a sum of the second confidence value and the first confidence value. 
     
     
         29 . The apparatus of  claim 21 , wherein data for the transaction comprises transaction amount and transaction time only. 
     
     
         30 . The apparatus of  claim 21 , wherein the required biometric data comprises three characteristics randomly selected from a group of characteristics, the group comprising voice recognition, iris eye scan, fingerprint, palm print, and facial recognition. 
     
     
         31 . The apparatus of  claim 21 , wherein the required biometric data comprises biometric actions performed by an operator of the client device. 
     
     
         32 . The apparatus of  claim 31 , wherein the biometric actions comprise providing one of a fingerprint of a specific finger, finger prints of a plurality of fingers, or fingerprints of fingers rolled in a specified manner. 
     
     
         33 . The apparatus of  claim 21 , wherein:
 the client device comprises a video device configured to recognize facial expressions; and   the required biometric data comprises a biometric action performed by an operator of the client device, the biometric action comprising at least one of smiling, looking up, or raising eyebrows.   
     
     
         34 . The apparatus of  claim 33 , wherein:
 the video device is configured to receive voice signals; and   the biometric action further includes saying a specified phrase.   
     
     
         35 . The apparatus of  claim 21 , wherein comparing the client biometric data with stored user biometric data comprises retrieving stored biometric data from a searchable database. 
     
     
         36 . The apparatus of  claim 24  wherein notifying the client device of a deduction comprises sending at least one of an email or an SMS message. 
     
     
         37 . The apparatus of  claim 21 , wherein
 the operations further comprise receiving an indication that the financial service provider formed a partnership with a group of merchants, and   the client device is associated with a merchant from the group of merchants.   
     
     
         38 . A computer-implemented method comprising the following operations performed by at least one processor:
 receiving, from a financial service provider, an authorization to process transactions using biometric data, the authorization comprising required biometric data to process transactions;   receiving, from a client device, client biometric data to process a transaction, the client biometric data corresponding to the required biometric data;   comparing the client biometric data with the stored user biometric data;   generating a confidence value based on the comparison;   identifying, when the confidence value meets a threshold value, a customer account associated with the client biometric data, the customer account representing a financial service account associated with the financial service provider; and   sending, to the financial service provider:
 account information of the identified customer account, the account information comprising a unique identifier associated with the identified financial service account; and 
 data for the transaction. 
   
     
     
         39 . A non-transitory computer-readable medium that stores instructions that, when executed by at least one processor, cause the at least one processor to:
 receive, from a financial service provider, an authorization to process transactions using biometric data, the authorization comprising required biometric data to process transactions;   receive, from a client device, client biometric data to process a transaction, the client biometric data corresponding to the required biometric data;   compare the client biometric data with the stored user biometric data;   generate a confidence value based on the comparison;   identify, when the confidence value meets a threshold value, a customer account associated with the client biometric data, the customer account representing a financial service account associated with the financial service provider; and   send, to the financial service provider:
 account information of the identified customer account, the account information comprising a unique identifier associated with the identified financial service account; and 
 data for the transaction.