Tokenless biometric atm access system

Abstract

The present invention provides a method for tokenless biometric access to financial accounts at an institution using an automated teller machine. This method comprises a user registration step, wherein a user registers with an electronic identicator one or more registration biometric samples and one or more user financial accounts. During an initiation step, the user initiates an account access at an automated teller machine by submitting at least one bid biometric sample directly from the user's person, wherein no portable man-made memory devices such as smartcards or swipe cards are used by the user. In at least one transmission step, an account access request message comprising the user's bid biometric is forwarded from the automated teller machine to the electronic identicator. During a user identification step, the electronic identicator compares the bid biometric sample in the account access request message with a registration biometric sample, to produce either a successful or failed identification of the user. Upon successful identification of the user, at least one financial account of the user is retrieved, and in an access step, after successful identification of the user and successful financial account retrieval, the user is allowed to access the user financial account.