Biometric tokenized networks
Biometric tokenized networks. In one embodiment, a system includes a network and a server. The server includes a memory storing a biometric token vault, a communication interface, and an electronic processor. The electronic processor is configured to: receive a biometric token (i.e., identity token), a merchant identifier, and transaction details via the network, confirm a uniqueness of the biometric token with a second biometric token stored in the biometric token vault, generate a relationship identifier based on the merchant identifier and a global unique identifier linked to the second biometric token, and determine whether the relationship identifier is associated with a payment account reference, and output the merchant identifier, the transaction details, and a personal account number associated with the payment account reference to an issuer via the network in response to determining that the relationship identifier is associated with the payment account reference.
1. A system comprising
a network; and
a server including
a memory storing a biometric token vault, the biometric token vault including a plurality of biometric tokens and a plurality of global unique identifiers, each of the plurality of biometric tokens is linked to one of the plurality of global unique identifiers,
a communication interface, and
an electronic processor that is communicatively connected to the memory, the communication interface, the electronic processor configured to:
receive a biometric token, a merchant identifier, and transaction details via the network,
determine the biometric token matches a second biometric token from the plurality of biometric tokens stored in the biometric token vault,
generate a unique relationship identifier based on the merchant identifier-and a global unique identifier from the plurality of global unique identifiers,
wherein the global unique identifier is linked to the second biometric token,
determine the unique relationship identifier is associated with a remuneration account reference, and
output the merchant identifier, the transaction details, and a personal-account number associated with the remuneration account reference to an-issuer via the network in response to determining that the unique relationship-identifier is associated with the remuneration account reference,
wherein the global unique identifier and the unique relationship identifier are unique and associated with only one individual, and
wherein the remuneration account reference is associated with one or more non-biometric tokens from a smart device and one or more unique relationship identifiers, the one or more unique relationship identifiers including the unique relationship identifier,
wherein the one or more non-biometric tokens are distinct from and are not based on any measurement or calculation related to human characteristics or human features.
2. The system of claim 1 , wherein the biometric token includes a timestamp or other temporal information.
3. The system of claim 1 , wherein the biometric token is based on a biometric image of an individual.
4. The system of claim 3 , wherein the biometric image is an image selected from a group consisting of:
a facial image,
an iris image,
a finger image, and
a fingerprint image.
5. The system of claim 1 , wherein the personal account number is a gift card account number, and wherein the issuer is a merchant identified by the merchant identifier.
6. The system of claim 1 , wherein the personal account number is a debit card account number or a credit card account number.
7. The system of claim 1 , wherein the global unique identifier includes some information or all of the information of the second biometric token.
8. The system of claim 1 , wherein responsive to determining that the biometric token is unique, the electronic processor is further configured to:
store the biometric token that is unique in the biometric token vault,
generate a second global unique identifier that is unique from all global unique identifiers in the plurality of global unique identifiers, and
store the second global unique identifier together with the plurality of global unique identifiers to create a second plurality of global unique identifiers in the biometric token vault,
wherein the second global unique identifier is linked to the biometric token that is unique.
9. A system comprising:
a network;
a biometric capture device including
a memory storing a biometric token vault, the biometric token vault including a plurality of biometric tokens and a plurality of global unique identifiers, each of the plurality of biometric tokens is linked to one of the plurality of global unique identifiers,
a communication interface,
a biometric capture circuitry, and
an electronic processor that is communicatively connected to the memory, the communication interface, and the biometric capture circuitry, the electronic processor configured to:
control the biometric capture circuitry to capture biometric information of an individual,
generate a biometric token based on the biometric information,
determine the biometric token matches a second biometric token from the plurality of biometric tokens stored in the biometric token vault, and
generate a unique relationship identifier based on a merchant identifier and a global unique identifier from the plurality of global unique identifiers,
wherein the global unique identifier is linked to the second biometric token, and
wherein the global unique identifier and the unique relationship identifier are unique and associated with only one individual; and
a server including
a memory,
a communication interface, and
an electronic processor that is communicatively connected to the memory, the communication interface, the electronic processor configured to:
receive the unique relationship identifier, the merchant identifier, and transaction details via the network,
determine the unique relationship identifier is associated with a remuneration account reference, and
output the merchant identifier, the transaction details, and a personal account number associated with the remuneration account reference to an issuer via the network in response to determining that the unique relationship identifier is associated with the remuneration account reference,
wherein the remuneration account reference is associated with one or more non-biometric tokens from a smart device and one or more unique relationship identifiers, the one or more unique relationship identifiers including the unique relationship identifier, and
wherein the one or more non-biometric tokens are distinct from and are not based on any measurement or calculation related to human characteristics or human features.
10. The system of claim 9 , wherein the biometric token includes a timestamp or other temporal information.
11. The system of claim 9 , wherein the biometric information is a biometric image of the individual.
12. The system of claim 11 , wherein the biometric image is an image selected from a group consisting of:
a facial image of the individual,
an iris image of the individual,
a finger image of the individual, and
a fingerprint image of the individual.
13. The system of claim 9 , wherein the personal account number is a gift card account number, and wherein the issuer is a merchant identified by the merchant identifier.
14. The system of claim 9 , wherein the network is a payment network, and wherein the personal account number is a debit card account number or a credit card account number.
15. A system for using a biometric token to output remuneration information, the system comprising:
a network;
a biometric capture device including
a memory storing a biometric token vault, the biometric token vault including a plurality of biometric tokens and a plurality of global unique identifiers, each of the plurality of biometric tokens is linked to one of the plurality of global unique identifiers,
a communication interface,
a biometric capture circuitry, and
an electronic processor that is communicatively connected to the memory, the communication interface, and the biometric capture circuitry, the electronic processor configured to:
control the biometric capture circuitry to capture biometric information of an individual,
generate a biometric token based on the biometric information,
determine the biometric token matches a second biometric token from the plurality of biometric tokens stored in the biometric token vault,
generate a unique relationship identifier based on a merchant identifier and a global unique identifier from the plurality of global unique identifiers, wherein the global unique identifier is linked to the second biometric token,
retrieve a customer profile associated with the unique relationship identifier, and
output remuneration information from the customer profile, the merchant identifier, and transaction details via the network,
wherein the global unique identifier and the unique relationship identifier are unique and associated with only one individual, and
wherein the customer profile is associated with one or more non-biometric tokens from a smart device and one or more unique relationship identifiers, the one or more unique relationship identifiers including the unique relationship identifier, and
wherein the one or more non-biometric tokens are distinct from and are not based on any measurement or calculation related to human characteristics or human features.
16. The system of claim 15 , wherein the merchant identifier identifies a merchant selected from a group consisting of:
a store,
a health clinic, and
a financial institution.
17. The system of claim 15 , wherein the biometric token includes a timestamp or other temporal information.
18. The system of claim 15 , wherein the biometric information is a biometric image of the individual.
19. The system of claim 18 , wherein the biometric image is an image selected from a group consisting of:
a facial image of the individual,
an iris image of the individual,
a finger image of the individual, and
a fingerprint image of the individual.
20. The system of claim 15 , wherein responsive to determining that the biometric token is unique, the electronic processor is further configured to:
store the biometric token that is unique in the biometric token vault,
generate a second global unique identifier that is unique from all other global unique identifiers in the plurality of global unique identifiers, and
store the second global unique identifier together with the plurality of global unique identifiers to create a second plurality of global unique identifiers in the biometric token vault,
wherein the second global unique identifier is linked to the biometric token that is unique.