WO2008089091A3 - Secure money transfer systems and methods using biometric keys associated therewith - Google Patents

Secure money transfer systems and methods using biometric keys associated therewith Download PDF

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Publication number
WO2008089091A3
WO2008089091A3 PCT/US2008/050903 US2008050903W WO2008089091A3 WO 2008089091 A3 WO2008089091 A3 WO 2008089091A3 US 2008050903 W US2008050903 W US 2008050903W WO 2008089091 A3 WO2008089091 A3 WO 2008089091A3
Authority
WO
WIPO (PCT)
Prior art keywords
recipient
biometric sample
mtcn
money transfer
methods
Prior art date
Application number
PCT/US2008/050903
Other languages
French (fr)
Other versions
WO2008089091A2 (en
Inventor
Tim Keane
Dean Seifert
Jonathan Grahmann
Original Assignee
Western Union Co
Tim Keane
Dean Seifert
Jonathan Grahmann
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Western Union Co, Tim Keane, Dean Seifert, Jonathan Grahmann filed Critical Western Union Co
Priority to CA002675854A priority Critical patent/CA2675854A1/en
Priority to AU2008206397A priority patent/AU2008206397A1/en
Priority to EP08727604A priority patent/EP2122552A2/en
Publication of WO2008089091A2 publication Critical patent/WO2008089091A2/en
Publication of WO2008089091A3 publication Critical patent/WO2008089091A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Abstract

A method for transferring funds from a sender to a recipient includes receiving a request to transfer the funds from a sender; creating a transaction record having a transaction identifier; providing the transaction identifier to the sender; receiving the transaction identifier from a recipient; obtaining a first biometric sample from the recipient; using the biometric sample to select a MTCN (Money Transfer Control Number) from a pool of predetermined MTCNs; associating the MTCN with the first biometric sample and the transaction record; providing the MTCN to the recipient; thereafter, receiving a request from the recipient to receive the funds; obtaining the MTCN from the recipient; obtaining a second biometric sample from the recipient; using the MTCN and/or the second biometric sample to locate the transaction record; comparing the second biometric sample to the first biometric sample; and determining whether to provide the funds based on the comparison.
PCT/US2008/050903 2007-01-17 2008-01-11 Secure money transfer systems and methods using biometric keys associated therewith WO2008089091A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002675854A CA2675854A1 (en) 2007-01-17 2008-01-11 Secure money transfer systems and methods using biometric keys associated therewith
AU2008206397A AU2008206397A1 (en) 2007-01-17 2008-01-11 Secure money transfer systems and methods using biometric keys associated therewith
EP08727604A EP2122552A2 (en) 2007-01-17 2008-01-11 Secure money transfer systems and methods using biometric keys associated therewith

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/623,968 US7933835B2 (en) 2007-01-17 2007-01-17 Secure money transfer systems and methods using biometric keys associated therewith
US11/623,968 2007-01-17

Publications (2)

Publication Number Publication Date
WO2008089091A2 WO2008089091A2 (en) 2008-07-24
WO2008089091A3 true WO2008089091A3 (en) 2008-10-23

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/050903 WO2008089091A2 (en) 2007-01-17 2008-01-11 Secure money transfer systems and methods using biometric keys associated therewith

Country Status (6)

Country Link
US (1) US7933835B2 (en)
EP (1) EP2122552A2 (en)
CN (1) CN101641712A (en)
AU (1) AU2008206397A1 (en)
CA (1) CA2675854A1 (en)
WO (1) WO2008089091A2 (en)

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