Method, apparatus, and system for performing online transactions with biometric authentication

Patent metadata

Field	Value
Publication number	US-11468438-B2
Application number	US-201414557938-A
Country	US
Kind code	B2
Filing date	Dec 2, 2014
Priority date	Jan 21, 2005
Publication date	Oct 11, 2022
Grant date	Oct 11, 2022

Abstract

An apparatus, system and method for conducting financial and other transactions using a wireless device are provided. A computing device includes a display screen, a user input interface, and one or more processors. A memory device has stored therein a wallet application for completing transactions based on wireless data communications between the computing device and a merchant system. The memory device further stores at least one electronic credential. The computing device is configured to wirelessly communicate with the merchant system via at least one of a network transceiver and a short-range RF transceiver, and to display information regarding one or more transactions with the merchant system on the display screen. At least one electronic credential is transmitted to the merchant system based on comparing the biometric characteristic of the user with stored biometric information to initiate the one or more transactions with the merchant system.

First claim

What is claimed is:

1. A computing device comprising:
a display screen;
a user input interface;
a network transceiver configured to communicate with a cellular communications network;
a short-range radio frequency (RF) transceiver configured to communicate with an external short-range RF device;
one or more processors; and
at least one memory device having stored therein:
at least one electronic credential linked to personal information and an account number of a user, and
a plurality of applications executable by the one or more processors, the plurality of applications including a wallet application, wherein the wallet application, when executed by the one or more processors, causes the computing device to perform operations comprising:
receiving a reader key from the external short-range RF device,
locating an electronic credential from the stored at least one electronic credential using the reader key,
communicating wirelessly with a merchant system via at least one of the network transceiver or the short-range RF transceiver,
displaying information regarding one or more transactions with the merchant system on the display screen,
authenticating the user to the wallet application,
initiating a transaction, corresponding to the electronic credential, with the merchant system by transmitting the electronic credential to the merchant system,
receiving a personal identification number (PIN) request from a credential manager (WCM) server,
initiating peer-to-peer session initiation protocol (SIP) communication with the WCM server,
prompting the user to enter a PIN via the display screen,
receiving the PIN from the user,
transmitting information of the PIN to the WCM server for verification,
receiving an approval message from the WCM server after the PIN verification, and
terminating the peer-to-peer SIP communication.

2. The computing device of claim 1 , wherein the at least one memory device includes a secure storage storing the at least one electronic credential.

3. The computing device of claim 1 , wherein the at least one electronic credential is downloaded wirelessly from a credential issuing server via a data network and stored in the at least one memory device.

4. The computing device of claim 1 , wherein the at least one electronic credential is linked to one or more of data associated with a credit card account, a debit card account, a stored value card account, an automated teller machine card account, a bank account, a payment token card account, a membership card account, a loyalty card account, an access card account, an identification card account, a driver's license, an e-ticket, a pass, a coupon, or a certificate.

5. The computing device of claim 1 , wherein the electronic credential is stored in the at least one memory device in a format linking to a user's payment account number and includes a same number as a bank identification number (BIN) associated with at least one of a payment card issuer or a payment network.

6. The computing device of claim 1 , wherein the computing device is configured to provide at least one of a tone or a visual message on the display screen to confirm performance of the transaction.

7. The computing device of claim 6 , wherein the computing device is further configured to display on the display screen a transaction confirmation confirming performance of the transaction.

8. The computing device of claim 1 , wherein the computing device is configured to wirelessly communicate with the merchant system by accessing a data network via at least one of the network transceiver or the short-range RF transceiver.

9. The computing device of claim 8 , wherein the computing device is further configured to wirelessly communicate with the merchant system by accessing the Internet as a form of the data network.

10. The computing device of claim 7 , wherein the computing device is further configured to display, on the display screen, information regarding the transaction, information including one or more of a user name, billing information, shipping information, payment information, or the electronic credential.

11. The computing device of claim 1 , wherein the computing device is configured to receive from the merchant system a response message indicating one of approval or rejection of the transaction.

12. The computing device of claim 1 , further comprising:
a near-field communication (NFC) module including an NFC antenna, the NFC module being configured to initiate a transaction with another merchant system by transmitting the at least one electronic credential to an NFC reader of an external electronic device based on the NFC antenna of the computing device being within an RF range of the NFC reader.

13. A method comprising:
storing, by at least one processor of a computing device, in at least one memory device of the computing device, at least one electronic credential linked to personal information and an account number of a user, and a plurality of applications including a wallet application;
communicating wirelessly, by at least one of a network transceiver of the computing device configured to communicate with a cellular communications network or a short-range radio frequency (RF) transceiver configured to communicate with an external short-range RF device, with a merchant system;
displaying, on a display screen of the computing device, information regarding one or more transactions with the merchant system;
receiving, by the at least one processor of the computing device, from the external short-range RF device, a reader key;
locating, by the at least one processor of the computing device using the wallet application, an electronic credential from the stored at least one electronic credential using the reader key;
authenticating, by the at least one processor of the computing device, the user to the wallet application;
initiating a transaction, corresponding to the at least one electronic credential, with the merchant system by transmitting, by the network transceiver of the computing device using the wallet application, the at least one electronic credential to the merchant system when an authentication is successful;
receiving, by the at least one processor of the computing device, a personal identification number (PIN) request from a wireless credential manager (WCM) server;
initiating, by the at least one processor of the computing device, peer-to-peer session initiation protocol (SIP) communication with the WCM server;
prompting, by the at least one processor of the computing device, the user to enter a PIN via the display screen;
receiving, by the at least one processor of the computing device, the PIN from the user;
transmitting, by the at least one processor of the computing device, information of the PIN to the WCM server for verification;
receiving, by the at least one processor of the computing device, an approval message from the WCM server after the PIN verification; and
terminating, by the at least one processor of the computing device, the peer-to-peer SIP communication.

Assignees

• Samsung Electronics Co Ltd

Inventors

• Dua Robin

Classifications

• G06Q20/401

  Transaction verification · CPC title

• H04W12/068

  using credential vaults, e.g. password manager applications or one time password [OTP] applications · CPC title

• G06Q20/38215

  Use of certificates or encrypted proofs of transaction rights · CPC title

• H04L63/08

  for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32) · CPC title

• H04L2463/102

  applying security measure for e-commerce · CPC title