The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 08, 2014
Filed:
Sep. 30, 2008
Kurt D. Newman, Matthews, NC (US);
Debashish Ghosh, Charlotte, NC (US);
David Joa, Pacifica, CA (US);
Timothy J. Bendel, Charlotte, NC (US);
Michael James O'hagan, Charlotte, NC (US);
Mayur Chheda, Charlotte, NC (US);
Kurt D. Newman, Matthews, NC (US);
Debashish Ghosh, Charlotte, NC (US);
David Joa, Pacifica, CA (US);
Timothy J. Bendel, Charlotte, NC (US);
Michael James O'Hagan, Charlotte, NC (US);
Mayur Chheda, Charlotte, NC (US);
Bank of America Corporation, Charlotte, NC (US);
Abstract
Systems and methods for biometrically identifying an individual for purchasing a product and/or service without a need for the individual to input authentication data into a system/device are described. Data representative of a scanned iris of a customer desiring to make a purchase may be made. The customer may be identified based upon the scanned iris. A determination may be made as to whether the identified customer has a plurality of accounts at a financial entity. Information of a selected account to make the purchase may be received. Sufficient funds in the selected account to make the purchase may be determined. If insufficient, a different account may be identified to make the purchase. Sufficient funds in the different accounts may be determined and funds in the different accounts may be decreased by the associated payment amount.