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System and method for biometric authorization for check cashing
| Details |
Inventors: Robinson, Timothy;
Assignee: BioPay, LLC (Herndon, VA)
Primary Examiner: Kim; Ahshik
Assistant Examiner:
Attorney, Agent or Firm: Kobayashi; Duane S.
A system for authorizing a check cashing transaction between a consumer and a merchant using identity verification based on biometric information. A system comprises a central biometric information database containing biometric and personal identity-verifying data registered therein by a consumer and containing merchant identity-verifying data registered therein by a merchant. The system further comprises a merchant local device having a biometric reader and linked via a network to the central biometric information database. Using the biometric reader, a consumer desiring to cash a check presents biometric data to the central biometric information database via the biometric reader. The central biometric information database provides an electronic comparison of the present biometric data with the biometric data registered by the consumer. If the presented data and the registered data match, an approval signal is transmitted to the merchant local device. |
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DETAILED DESCRIPTION OF THE EMBODIMENTS As noted above, the present invention encompasses a system and method for authorization of a check cashing transaction using either a biometric sample only or a biometric sample in combination with an ID #.
Referring to FIG.
1, a general architecture overview of a system for biometric authorization for check cashing according to an embodiment of the present invention is illustrated.
One aspect of the system embodiment of the invention is the central database, which holds consumer system accounts and a list of all checking account numbers, along with their related financial data, that have been presented to the system.
Accounts within the central database may be unmarked, marked negative, or marked warning.
System accounts marked as either negative or warning are accounts that are preferably shared across all merchants registered with the system of the invention.
Sharing this information among all registered merchants helps merchants prevent engaging in transactions with consumers enrolled in the authorization system whose accounts displaying negative or suspected negative financial activity.
The central database is connected to a network, which is connected to a number of other entities.
These entities include, but are not limited to: 1) the Internet, through which the central database can communicate by a remote device such as but not limited to a personal or business computer 34 with businesses or consumers who would like to pre-enroll for the services provided via the system; 2) at least one registered merchant 23, who can enroll consumers into the system and authorize or decline financial transactions based upon shared information consumers, merchants, or financial institutions have registered with the central database; and 3) various financial institutions and databases 38, 40, 22, through which the central database communicates about consumers', third party check writers', and merchants' financial accounts.
A consumer may complete a full enrollment registration for the invention's services at any merchant station 24, 28 equipped with a biological identification device (hereinafter BID) 26, 30
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Finance 
