US6957770B1
Expired / Lapsed
US
⏱️ 0.0 years remaining
System and method for biometric authorization for check cashing
Assignee: Valsoft Corp Inc
•
Filing: 2002-05-10
•
Granted: 2005-10-25
•
Expires: 2022-05-10
Abstract
Abstract 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.
Inventors
- 👤 Timothy Robinson
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 15:02
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/04; G06Q20/042; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014
Claims Analysis
Total Claims: 89
Claim 1
Independent Claim
113 words
A method for enrolling an individual in a biometric check cashing system, comprising: receiving identification information from an individual for enrollment in the check cashing system; transmitting said received identification information to a central database to determine whether a portion of said identification information already exists in an account in said central database, each of said accounts including registered biometric data; receiving, from the central database, additional enrollment information from an existing account in said central database, and an account status of said existing account; enrolling said individual in a local database using said additional enrollment information; and declining an enrollment request if said existing account does have a negative status associated therewith.
Claim 2
Independent Claim
113 words
A method for enrolling an individual in a biometric check cashing system, comprising: receiving identification information from an individual for enrollment in the check cashing system; transmitting said received identification information to a central database to determine whether a portion of said identification information already exists in an account in said central database, each of said accounts including registered biometric data; receiving, from the central database, additional enrollment information from an existing account in said central database, and an account status of said existing account; enrolling said individual in a local database using said additional enrollment information; and declining an enrollment request if said existing account does have a negative status associated therewith.
Claim 3
Dependent Claim
14 words
The method of claim 1 , wherein said biometric data is a fingerprint scan.
Claim 4
Dependent Claim
13 words
The method of claim 1 , wherein said biometric data is a voiceprint.
Claim 5
Dependent Claim
14 words
The method of claim 1 , wherein said biometric data is an iris scan.
Claim 6
Dependent Claim
15 words
The method of claim 1 , wherein said received identification information includes a biometric scan.
Claim 7
Dependent Claim
15 words
The method of claim 1 , wherein said received identification information includes a personal identifier.
Claim 8
Dependent Claim
14 words
The method of claim 1 , wherein said personal identifier is a unique number.
Claim 9
Dependent Claim
15 words
The method of claim 1 , wherein said personal identifier is a reasonably unique number.
Claim 10
Dependent Claim
14 words
The method of claim 1 , wherein said personal identifier is a non-unique number.
Claim 11
Dependent Claim
15 words
The method of claim 1 , wherein said received identification information includes an identification number.
Claim 12
Dependent Claim
16 words
The method of claim 1 , wherein said received identification information includes a social security number.
Claim 13
Dependent Claim
15 words
The method of claim 1 , wherein said received identification information includes a phone number.
Claim 14
Independent Claim
126 words
A method for enrolling an individual in a biometric check cashing system, comprising: receiving identification information from an individual for enrollment in the check cashing system; transmitting said received identification information to a central database to determine whether a portion of said identification information already exists in an account in said central database, each of said accounts including registered biometric data; receiving, from the central database, additional enrollment information from an existing account in said central database, and an account status of said existing account; and enrolling said individual in a local database using said additional enrollment information, wherein said enrolling comprises enrolling said individual in a local database using said additional enrollment information if said existing account does not have a negative status associated therewith.
Claim 15
Independent Claim
126 words
A method for enrolling an individual in a biometric check cashing system, comprising: receiving identification information from an individual for enrollment in the check cashing system; transmitting said received identification information to a central database to determine whether a portion of said identification information already exists in an account in said central database, each of said accounts including registered biometric data; receiving, from the central database, additional enrollment information from an existing account in said central database, and an account status of said existing account; and enrolling said individual in a local database using said additional enrollment information, wherein said enrolling comprises enrolling said individual in a local database using said additional enrollment information if said existing account does not have a negative status associated therewith.
Claim 16
Dependent Claim
14 words
The method of claim 13 , wherein said biometric data is a fingerprint scan.
Claim 17
Dependent Claim
13 words
The method of claim 13 , wherein said biometric data is a voiceprint.
Claim 18
Dependent Claim
14 words
The method of claim 13 , wherein said biometric data is an iris scan.
Claim 19
Dependent Claim
15 words
The method of claim 13 , wherein said received identification information includes a biometric scan.
Claim 20
Dependent Claim
15 words
The method of claim 13 , wherein said received identification information includes a personal identifier.
Claim 21
Dependent Claim
14 words
The method of claim 13 , wherein said personal identifier is a unique number.
Claim 22
Dependent Claim
15 words
The method of claim 13 , wherein said personal identifier is a reasonably unique number.
Claim 23
Dependent Claim
14 words
The method of claim 13 , wherein said personal identifier is a non-unique number.
Claim 24
Dependent Claim
15 words
The method of claim 13 , wherein said received identification information includes an identification number.
Claim 25
Dependent Claim
16 words
The method of claim 13 , wherein said received identification information includes a social security number.
Claim 26
Dependent Claim
15 words
The method of claim 13 , wherein said received identification information includes a phone number.
Claim 27
Independent Claim
156 words
A system for enrolling an individual in a biometric check cashing system, comprising: a central database that stores account information for individuals that are enrolled in the biometric check cashing system, each of said accounts including registered biometric data; and a local enrollment system at a local merchant site, said local enrollment system having a local database that stores account information for individuals registered for check cashing at said local merchant site, said local enrollment system being configured to receive identification information from an individual for enrollment, transmit said received identification information to said central database to determine whether a portion of said identification information already exists in an account in said central database, and receive, from said central database, additional enrollment information from an existing account in said central database and an account status of said existing account, wherein said local enrollment system enrolls said individual in said local database using said additional enrollment information.
Claim 28
Independent Claim
156 words
A system for enrolling an individual in a biometric check cashing system, comprising: a central database that stores account information for individuals that are enrolled in the biometric check cashing system, each of said accounts including registered biometric data; and a local enrollment system at a local merchant site, said local enrollment system having a local database that stores account information for individuals registered for check cashing at said local merchant site, said local enrollment system being configured to receive identification information from an individual for enrollment, transmit said received identification information to said central database to determine whether a portion of said identification information already exists in an account in said central database, and receive, from said central database, additional enrollment information from an existing account in said central database and an account status of said existing account, wherein said local enrollment system enrolls said individual in said local database using said additional enrollment information.
Claim 29
Dependent Claim
14 words
The system of claim 25 , wherein said biometric data is a fingerprint scan.
Claim 30
Dependent Claim
13 words
The system of claim 25 , wherein said biometric data is a voiceprint.
Claim 31
Dependent Claim
14 words
The system of claim 25 , wherein said biometric data is an iris scan.
Claim 32
Dependent Claim
15 words
The system of claim 25 , wherein said received identification information includes a biometric scan.
Claim 33
Dependent Claim
15 words
The system of claim 25 , wherein said received identification information includes a personal identifier.
Claim 34
Dependent Claim
14 words
The system of claim 30 , wherein said personal identifier is a unique number.
Claim 35
Dependent Claim
15 words
The system of claim 30 , wherein said personal identifier is a reasonably unique number.
Claim 36
Dependent Claim
14 words
The system of claim 30 , wherein said personal identifier is a non-unique number.
Claim 37
Dependent Claim
26 words
The system of claim 25 , wherein said local enrollment system declines an enrollment request if said existing account does have a negative status associated therewith.
Claim 38
Dependent Claim
35 words
The system of claim 25 , wherein said local enrollment system enrolls said individual in said local database using said additional enrollment information if said existing account does not have a negative status associated therewith.
Claim 39
Dependent Claim
15 words
The system of claim 25 , wherein said received identification information includes an identification number.
Claim 40
Dependent Claim
16 words
The system of claim 25 , wherein said received identification information includes a social security number.
Claim 41
Dependent Claim
15 words
The system of claim 25 , wherein said received identification information includes a phone number.
Claim 42
Dependent Claim
25 words
The system of claim 25 , further comprising a storage system that stores an identifier of an entity associated with the biometric check cashing system.
Claim 43
Dependent Claim
36 words
The method of claim 25 , wherein additional data is automatically added to any enrollment of an individual, the additional data being selected from one of a processing terminal identification number, merchant data, and transaction data.
Claim 44
Dependent Claim
30 words
The system of claim 25 , wherein the individual is authorized to cash a check if it is determined that the individual has a credit score above a threshold value.
Claim 45
Dependent Claim
17 words
The system of claim 25 , wherein said local enrollment system verifies an age of an individual.
Claim 46
Dependent Claim
20 words
The system of claim 25 , wherein said registered biometric data includes two biometric scans of a same biometric type.
Claim 47
Dependent Claim
19 words
The system of claim 25 , wherein said registered biometric data includes biometric scans of two different biometric types.
Claim 48
Independent Claim
134 words
A method for a merchant to authorize a check cashing transaction, comprising: receiving, from a first entity, information regarding a check that is endorsed by a second entity; receiving, at a local device, a biometric scan of said first entity that is presenting said check for cashing; comparing said biometric scan of said first entity with registered biometric information, said comparison being used to determine whether said first entity is authorized to cash said check; and if said comparison indicates that said first entity is authorized to cash said check, then determining a fee for the check cashing transaction, wherein said determining includes accessing a system profile that has been predefined by the merchant and identifying based on said system profile which of a plurality of fees would apply to the check cashing transaction.
Claim 49
Independent Claim
134 words
A method for a merchant to authorize a check cashing transaction, comprising: receiving, from a first entity, information regarding a check that is endorsed by a second entity; receiving, at a local device, a biometric scan of said first entity that is presenting said check for cashing; comparing said biometric scan of said first entity with registered biometric information, said comparison being used to determine whether said first entity is authorized to cash said check; and if said comparison indicates that said first entity is authorized to cash said check, then determining a fee for the check cashing transaction, wherein said determining includes accessing a system profile that has been predefined by the merchant and identifying based on said system profile which of a plurality of fees would apply to the check cashing transaction.
Claim 50
Dependent Claim
24 words
The method of claim 45 , wherein said fees are one of flat fees, percentage fees and a combination of flat and percentage fees.
Claim 51
Dependent Claim
17 words
The method of claim 45 , wherein said identifying is based on a value of said check.
Claim 52
Dependent Claim
20 words
The method of claim 45 , further comprising determining whether to authorize the check cashing transaction based on velocity terms.
Claim 53
Dependent Claim
58 words
The method of claim 48 , wherein said velocity terms include one or more of a transaction dollar amount, transaction frequency, change of employers, dollar amount of checks presented in a certain time period, number of checks presented in a certain time period, second entity's total dollar amount in a certain time period, and specific check series numbers.
Claim 54
Dependent Claim
47 words
The method of claim 45 , wherein said accessing includes accessing one of a plurality of system profiles that are stored in a database, said plurality of system profiles being individually defined for a respective plurality of merchants that are served by a check cashing authorization service.
Claim 55
Dependent Claim
22 words
The method of claim 50 , wherein said one of a plurality of system profiles is identified based on a merchant ID.
Claim 56
Dependent Claim
16 words
The method of claim 45 , wherein said system profile is stored in a central database.
Claim 57
Dependent Claim
16 words
The method of claim 45 , wherein said system profile is stored in a local database.
Claim 58
Dependent Claim
15 words
The method of claim 45 , wherein said comparing comprises comparing at a central database.
Claim 59
Dependent Claim
15 words
The method of claim 45 , wherein said comparing comprises comparing at a local database.
Claim 60
Dependent Claim
15 words
The method of claim 45 , wherein said comparing comprises comparing at a local device.
Claim 61
Dependent Claim
14 words
The method of claim 45 , wherein said biometric data is a fingerprint scan.
Claim 62
Dependent Claim
13 words
The method of claim 45 , wherein said biometric data is a voiceprint.
Claim 63
Dependent Claim
14 words
The method of claim 45 , wherein said biometric data is an iris scan.
Claim 64
Dependent Claim
23 words
The method of claim 45 , further comprising receiving a personal identifier of said first entity that is presenting said check for cashing.
Claim 65
Dependent Claim
14 words
The method of claim 60 , wherein said personal identifier is a unique number.
Claim 66
Dependent Claim
15 words
The method of claim 60 , wherein said personal identifier is a reasonably unique number.
Claim 67
Dependent Claim
14 words
The method of claim 60 , wherein said personal identifier is a non-unique number.
Claim 68
Dependent Claim
36 words
The method of claim 45 , wherein said identifying comprises identifying which of a plurality of fees would apply to the check cashing transaction based on one or parameters that have been predefined by the merchant.
Claim 69
Dependent Claim
16 words
The method of claim 45 , wherein said check information includes an amount of said check.
Claim 70
Dependent Claim
16 words
The method of claim 45 , wherein said check information includes an image of said check.
Claim 71
Dependent Claim
21 words
The method of claim 45 , further comprising storing an identifier of an entity associated with the biometric check cashing system.
Claim 72
Dependent Claim
20 words
The method of claim 45 , further comprising accepting or declining said check based on parameters set by the merchant.
Claim 73
Dependent Claim
23 words
The method of claim 45 , further comprising providing the merchant with a guarantee that reimburses the merchant if said check is returned.
Claim 74
Dependent Claim
28 words
The method of claim 45 , further comprising determining whether said first entity or an account number for said check have a history of fraudulent or suspicious activity.
Claim 75
Dependent Claim
21 words
The method of claim 45 , further comprising determining whether said first entity has a credit score above a threshold value.
Claim 76
Dependent Claim
17 words
The method of claim 45 , wherein the check cashing transaction is part of a financial transaction.
Claim 77
Dependent Claim
18 words
The method of claim 45 , wherein the merchant can disregard a warning of a potential fraudulent account.
Claim 78
Dependent Claim
15 words
The method of claim 45 , further comprising verifying an age of said first entity.
Claim 79
Dependent Claim
21 words
The method of claim 45 , further comprising generating for a merchant an activity report concerning the first entity's system activity.
Claim 80
Dependent Claim
33 words
The method of claim 45 , further comprising issuing a warning to the merchant if the account on which the check is drawn has been flagged as a potential target of fraudulent activity.
Claim 81
Dependent Claim
31 words
The method of claim 45 , further comprising issuing a warning to the merchant if said first entity's record indicates that said first entity has come under suspicion of fraudulent activity.
Claim 82
Dependent Claim
23 words
The method of claim 45 , wherein said receiving at a local device comprises receiving two biometric scans of a same biometric type.
Claim 83
Dependent Claim
22 words
The method of claim 45 , wherein said receiving at a local device comprises receiving biometric scans of two different biometric types.
Claim 84
Dependent Claim
26 words
The method of claim 45 , wherein said comparing comprises comparing said biometric scan of said first entity with registered biometric information of said first entity.
Claim 85
Dependent Claim
27 words
The method of claim 45 , wherein said comparing comprises comparing said biometric scan of said first entity with registered biometric information of a group of individuals.
Claim 86
Dependent Claim
28 words
The method of claim 81 , wherein said comparing comprises comparing said biometric scan of said first entity with registered biometric information of all individuals in a database.
Claim 87
Dependent Claim
28 words
The method of claim 81 , wherein said comparing comprises comparing said biometric scan of said first entity with registered biometric information of individuals in a negative database.
Claim 88
Dependent Claim
41 words
The method of claim 45 , further comprising: communicating with a third party database to obtain additional financial information concerning said first entity; and accepting or rejecting the check cashing transaction based, at least in part, on the additional financial information.
Claim 89
Dependent Claim
26 words
The method of claim 84 , wherein the third party database is one of said first entity's bank, said second entity's bank, and a financial database.
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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) | 2008-10-24 | 2009-04-25 | 2009-10-25 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2012-10-24 | 2013-04-25 | 2013-10-25 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2016-10-24 | 2017-04-25 | 2017-10-25 | $7700.00 | Window Closed / Lapsed |