US6758394B2
Expired / Lapsed
US
⏱️ 0.0 years remaining
Identity verification and enrollment system for self-service devices
Assignee: Infonox on Web
•
Filing: 2001-07-09
•
Granted: 2004-07-06
•
Expires: 2021-07-09
Abstract
Abstract A method and system are provided for authorizing a customer to perform transactions with a self-service device. A first set of biometric data regarding the customer is extracted from a verification instrument. A second set of biometric data is extracted directly from at least one feature of the customer. Textual data regarding the customer is extracted from the verification instrument. The first and second sets of biometric data are compared to determine whether they are derived from a single individual. If so, customer identification information is recorded.
Inventors
- 👤 Vali Maskatiya
- 👤 Safwan Shah
- 👤 Ashim Banerjee
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 15:16
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/18; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G07; G07C; G07C9/00; G07C9/20; G07C9/22; G07C9/25; G07C9/257
Claims Analysis
Total Claims: 42
Claim 1
Independent Claim
250 words
A method for authorizing a new customer to perform transactions with a self-service device, the method comprising: extracting a first set of biometric data regarding the customer from a verification instrument; extracting a second set of biometric data directly from at least one feature of the customer; extracting textual data regarding the customer from the verification instrument; automatically comparing the first and second sets of biometric data; automatically determining, using a trained evaluation system, whether the first and second sets of biometric data are derived from a single individual; and either: storing the biometric data and the textual data if the automatic determination is that the first and second sets of biometric data are derived from a single individual, or having a human compare underlying sources for the first and second sets of biometric data if the automatic determination is that the first and second sets of biometric data are not from a single individual and thereafter: determining that the first and second sets of biometric data are derived from the same individual despite differences in the first and second sets of biometric data, inputting feedback information regarding said biometric data differences into the trained evaluation system to cause the evaluation system to reorganize itself to make a determination that the first and second sets of biometric data are from a single individual despite said biometric data differences; and recording the biometric data and textual data in a storage device for retrieval during a future transaction with the same customer.
Claim 2
Independent Claim
250 words
A method for authorizing a new customer to perform transactions with a self-service device, the method comprising: extracting a first set of biometric data regarding the customer from a verification instrument; extracting a second set of biometric data directly from at least one feature of the customer; extracting textual data regarding the customer from the verification instrument; automatically comparing the first and second sets of biometric data; automatically determining, using a trained evaluation system, whether the first and second sets of biometric data are derived from a single individual; and either: storing the biometric data and the textual data if the automatic determination is that the first and second sets of biometric data are derived from a single individual, or having a human compare underlying sources for the first and second sets of biometric data if the automatic determination is that the first and second sets of biometric data are not from a single individual and thereafter: determining that the first and second sets of biometric data are derived from the same individual despite differences in the first and second sets of biometric data, inputting feedback information regarding said biometric data differences into the trained evaluation system to cause the evaluation system to reorganize itself to make a determination that the first and second sets of biometric data are from a single individual despite said biometric data differences; and recording the biometric data and textual data in a storage device for retrieval during a future transaction with the same customer.
Claim 3
Dependent Claim
19 words
The method recited in claim 1 wherein the customer identification information comprises information derived from the extracted textual data.
Claim 4
Dependent Claim
17 words
The method recited in claim 1 wherein the customer identification information comprises a name of the customer.
Claim 5
Dependent Claim
24 words
The method recited in claim 3 wherein the transactions comprise providing funds in exchange for a financial instrument identifying the name of the customer.
Claim 6
Dependent Claim
27 words
The method recited in claim 4 wherein the financial instrument is selected from the group consisting of a note, a draft, a check, and a promissory note.
Claim 7
Dependent Claim
13 words
The method recited in claim 1 wherein the transactions comprise a financial transaction.
Claim 8
Dependent Claim
13 words
The method recited in claim 1 wherein the transactions comprise a nonfinancial transaction.
Claim 9
Dependent Claim
17 words
The method recited in claim 1 wherein the customer identification information comprises a signature of the customer.
Claim 10
Dependent Claim
25 words
The method recited in claim 1 wherein the customer identification information is further derived from one of the first and second sets of biometric data.
Claim 11
Dependent Claim
22 words
The method recited in claim 1 wherein the first set of biometric data is derived from image data on the verification instrument.
Claim 12
Dependent Claim
23 words
The method recited in claim 1 wherein the first set of biometric data is derived from data encoded magnetically on the verification instrument.
Claim 13
Dependent Claim
23 words
The method recited in claim 1 wherein the first set of biometric data is derived from data encoded optically on the verification instrument.
Claim 14
Dependent Claim
20 words
The method recited in claim 1 wherein the first and second sets of biometric data are derived from facial features.
Claim 15
Dependent Claim
19 words
The method recited in claim 1 wherein the first and second sets of biometric data are derived from fingerprints.
Claim 16
Dependent Claim
20 words
The method recited in claim 1 wherein the first and second sets of biometric data are derived from voice features.
Claim 17
Dependent Claim
20 words
The method recited in claim 1 wherein the textual data are derived from data encoded magnetically on the verification instrument.
Claim 18
Dependent Claim
20 words
The method recited in claim 1 wherein the textual data are derived from data encoded optically on the verification instrument.
Claim 19
Dependent Claim
43 words
The method recited in claim 1 wherein extracting textual data regarding the customer from the verification instrument comprises: extracting a database reference number from the verification instrument; and retrieving the textual data regarding the customer from a database with the database reference number.
Claim 20
Dependent Claim
21 words
The method recited in claim 18 further comprising prompting the customer to enter data for comparison with the retrieved textual data.
Claim 21
Dependent Claim
14 words
The method recited in claim 1 wherein the self-service device comprises a self-service kiosk.
Claim 22
Dependent Claim
15 words
The method recited in claim 1 wherein the trained evaluation system comprises a neural network.
Claim 23
Dependent Claim
27 words
The method recited in claim 1 wherein each of the first and second sets of biometric data comprise data derived from different physical features of the customer.
Claim 24
Independent Claim
235 words
A method for executing a transaction with a customer, the method comprising: extracting a first set of biometric data directly from at least one feature of the customer; automatically comparing the first set of biometric data with a stored set of biometric data using a trained evaluation system, wherein the stored set of biometric data has previously been authenticated by automatic comparison between a set of biometric data extracted from a verification instrument and a second set of biometric data extracted directly from at least one feature of the customer; and thereafter either completing the transaction if it is determined that the first and stored sets of biometric data are derived from the customer or notifying a human operator that the first and stored sets of biometric data are not derived from the customer and having the operator compare underlying sources for the first and second sets of biometric data, the human operator thereafter: determining that the first and second sets of biometric data are derived from the customer despite differences in the first and second sets of biometric data; inputting feedback information regarding said biometric data differences into the trained evaluation system to cause the evaluation system to reorganize itself to make a determination in future transactions with the same customer that the first and second sets of biometric data are from a single individual despite said biometric data differences; and completing the transaction.
Claim 25
Independent Claim
235 words
A method for executing a transaction with a customer, the method comprising: extracting a first set of biometric data directly from at least one feature of the customer; automatically comparing the first set of biometric data with a stored set of biometric data using a trained evaluation system, wherein the stored set of biometric data has previously been authenticated by automatic comparison between a set of biometric data extracted from a verification instrument and a second set of biometric data extracted directly from at least one feature of the customer; and thereafter either completing the transaction if it is determined that the first and stored sets of biometric data are derived from the customer or notifying a human operator that the first and stored sets of biometric data are not derived from the customer and having the operator compare underlying sources for the first and second sets of biometric data, the human operator thereafter: determining that the first and second sets of biometric data are derived from the customer despite differences in the first and second sets of biometric data; inputting feedback information regarding said biometric data differences into the trained evaluation system to cause the evaluation system to reorganize itself to make a determination in future transactions with the same customer that the first and second sets of biometric data are from a single individual despite said biometric data differences; and completing the transaction.
Claim 26
Dependent Claim
13 words
The method recited in claim 23 wherein the transaction comprises a financial transaction.
Claim 27
Dependent Claim
45 words
The method recited in claim 24 further comprising: extracting textual data from a financial instrument presented by the customer as part of the financial transaction; and comparing the textual data with stored textual data, wherein the stored textual data was extracted from the verification instrument.
Claim 28
Dependent Claim
16 words
The method recited in claim 25 wherein the textual data comprises a signature of the customer.
Claim 29
Dependent Claim
16 words
The method recited in claim 25 wherein the textual data comprises a name of the customer.
Claim 30
Dependent Claim
26 words
The method recited in claim 23 wherein the set of biometric data extracted from the verification instrument is derived from image data on the verification instrument.
Claim 31
Dependent Claim
27 words
The method recited in claim 23 wherein the set of biometric data extracted from the verification instrument is derived from data encoded magnetically on the verification instrument.
Claim 32
Dependent Claim
27 words
The method recited in claim 23 wherein the set of biometric data extracted from the verification instrument is derived from data encoded optically on the verification instrument.
Claim 33
Dependent Claim
15 words
The method recited in claim 23 wherein the trained evaluation system comprises a neural network.
Claim 34
Dependent Claim
27 words
The method recited in claim 23 wherein each of the first and second sets of biometric data comprise data derived from different physical features of the customer.
Claim 35
Dependent Claim
233 words
A self-service transaction system comprising: a plurality of networked self-service kiosks, at least one of the self-service devices including: a first identification device adapted to extract a first set of identification data directly from a customer; and a second identification device adapted to extract a second set of identification data and textual data regarding the customer from a verification instrument; means for automatically comparing the first and second sets of identification data using a trained evaluation system to make an automatic determination of whether the first and second sets of identification data are derived from a single individual; means for notifying a human operator if the automatic determination is that the first and second sets of identification data are not derived from a single individual, means for the human operator to compare the first and second sets of identification data and to determine whether the first and second sets of identification data are derived from the same individual despite differences therein; means for the human operator to provide feedback information to the trained evaluation system so thereby causing the trained evaluation system to self-correct itself to make an automatic determination that the first and second set of identification data are derived from a single individual despite said differences; and a storage device in communication with the at least one of the self-service devices for storing customer identification information derived from the textual data.
Claim 36
Dependent Claim
233 words
A self-service transaction system comprising: a plurality of networked self-service kiosks, at least one of the self-service devices including: a first identification device adapted to extract a first set of identification data directly from a customer; and a second identification device adapted to extract a second set of identification data and textual data regarding the customer from a verification instrument; means for automatically comparing the first and second sets of identification data using a trained evaluation system to make an automatic determination of whether the first and second sets of identification data are derived from a single individual; means for notifying a human operator if the automatic determination is that the first and second sets of identification data are not derived from a single individual, means for the human operator to compare the first and second sets of identification data and to determine whether the first and second sets of identification data are derived from the same individual despite differences therein; means for the human operator to provide feedback information to the trained evaluation system so thereby causing the trained evaluation system to self-correct itself to make an automatic determination that the first and second set of identification data are derived from a single individual despite said differences; and a storage device in communication with the at least one of the self-service devices for storing customer identification information derived from the textual data.
Claim 37
Dependent Claim
23 words
The system recited in claim 33 wherein the means for automatically comparing is local to the at least one of the self-service devices.
Claim 38
Dependent Claim
20 words
The system recited in claim 33 wherein the means for automatically comparing is networked with the plurality of self-service devices.
Claim 39
Dependent Claim
18 words
The system recited in claim 33 wherein the first and second sets of identification data comprise biometric data.
Claim 40
Dependent Claim
18 words
The system recited in claim 33 wherein the first and second sets of identification data comprise image data.
Claim 41
Dependent Claim
17 words
The self-service transaction system recited in claim 33 wherein the trained evaluation system comprises a neural network.
Claim 42
Dependent Claim
29 words
The self-service transaction system recited in claim 33 wherein each of the first and second sets of identification data comprise data derived from different physical features of the customer.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2007-07-06 | 2008-01-05 | 2008-07-06 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2011-07-06 | 2012-01-05 | 2012-07-06 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2015-07-06 | 2016-01-05 | 2016-07-06 | $7700.00 | Window Closed / Lapsed |