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| Summary / Description | An automated fingerprint identification system which utilizes an encoded identification card, such as a credit card. Print registration is required. A composite number, based on the biometirc of the fingerprint is created and stored on the card and in the issuer database for later verification purposes by comparison with submitted or candidate parameters based on a fingerprint. |
| Type of Prior Art | Issued Patents - US |
| Country | United States of America |
| Patent/Application # | 5,869,822 |
| Kind Code | United States (US) - United STATES Patent - A |
| Patentee Name | Dexter L Meadows, Allen J Pouratian |
| Relevant Pages, Columns, or Lines | Patent |
| URL | |
| Filing Date | February 9, 1999 |
| Additional Information | |
| Notes | |
Excerpt When a person wants to use the card, the card is inserted into a card reader and the person's finger is scanned by a fingerprint scanner which produces a composite number that is compared with the composite in teh card or server database. If the two composite numbers are similar, use of the acrd is allowed. Conversely, if they are not similar, use of the acrd is disallowed. |
A money transfer system, comprising:
an input adapted to receive biometric samples;
a storage arrangement configured to store the biometric samples or derivatives thereof, and
a processor;
wherein the processor comprises instructions to:
use a first biometric sample to select a MTCN (money transfer control number) from a pool of predetermined MTCNs; and
link the first biometric sample to the MTCN.
| Relevance | While not exactly the same, this patent outlines a scheme that is very close. |
The system of claim 1, wherein the biometric sample comprises a selection from the group consisting of: a voiceprint, a fingerprint, a retinal scan, and a DNA sample.
| Relevance | This patent is just for voice. |
The system of claim 1, wherein the processor further comprises instructions to respond to a request to settle a transaction using the MTCN by receiving a second biometric sample and comparing the second biometric sample to the first biometric sample.
| Relevance | Similarity here is obvious in that a comparison process is used. |
The system of claim 1, wherein the processor further comprises instructions to respond to a request to settle a transaction using the MTCN by receiving a second biometric sample and comparing the second biometric sample to the first biometric sample.
| Relevance | The only difference appears to be the fact that the claim herein seems to imply a constant sampling of the biometric at each transaction time. This patent sees the first sampling as a a "once off" event. |
A method of transferring funds from a sender to a recipient, comprising:
receiving a request to transfer the funds from the 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.
| Relevance | The theme of the application and this patent is the same, i.e. enhancement of security of transactions. |
The method of claim 6, wherein determining whether to provide the funds based on the comparison comprises determining whether the funds have been paid out.
| Relevance | The claims here are the same. |
The method of claim 10, wherein using a second biometric sample, at least in part, to determine whether to provide the funds to the recipient comprises:
receiving the transaction number from the recipient;
obtaining the second biometric sample from the recipient;
using the transaction number and/or the second biometric sample to locate the transaction record;
comparing the first biometric sample to the second biometric sample; and
based on the comparison, determining whether to issue a MTCN (Money Transfer Control Number).
| Relevance | The claim and this patent both envisage two samples, one at establishment and one at claim time. |
The method of claim 10, wherein using a second biometric sample, at least in part, to determine whether to provide the funds to the recipient comprises:
at a money transfer location, receiving a request to receive the funds from the recipient;
receiving the transaction number from the recipient;
using the transaction number to locate the transaction record;
obtaining the second biometric sample from the recipient; and
comparing the first biometric sample to the second biometric sample.
| Relevance | The second sample is required in both cases. |
United States