Authentication based on biometric identification parameter of an individual for payment transaction

Patent metadata

Field	Value
Publication number	US-12293365-B2
Application number	US-202318109974-A
Country	US
Kind code	B2
Filing date	Feb 15, 2023
Priority date	Jan 12, 2018
Publication date	May 6, 2025
Grant date	May 6, 2025

Abstract

Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

First claim

What is claimed is:

1. A computer-implemented method, comprising:
generating device identifier data via a mobile application of a user device of a customer;
generating image template data associated with a facial image template for the customer via the mobile application of the user device of the customer;
storing the device identifier data and the image template data on the user device of the customer via the mobile application;
receiving, with at least one processor of a point-of-sale (POS) device of a merchant system of a merchant, the device identifier data and the image template data from the user device when the user device is within range of the POS device to establish a wireless communication connection, wherein receiving the device identifier data and the image template data from the user device comprises receiving the device identifier data and the image template data from the user device without the customer providing an input to the user device to cause the user device to transmit the device identifier data and the image template data from the user device to the POS device of the merchant system;
storing, with the at least one processor of the POS device, the device identifier data and the image template data in a data structure of the merchant system of the merchant for a time period;
causing, with the at least one processor of the POS device, an image of the customer to be captured via an image capture device of the merchant system during a payment transaction between the customer and the merchant;
displaying, with the at least one processor of the POS device, a plurality of images of the plurality of customers associated with a plurality of user devices on a graphical user interface (GUI) of the POS device;
selecting, with the at least one processor of the POS device, the customer associated with the user device out of the plurality of customers associated with the plurality of user devices;
authenticating, with the at least one processor of the POS device, an identity of the customer for the payment transaction, wherein authenticating the identity of the customer for the payment transaction comprises:
receiving, with the at least one processor of the POS device, the device identifier data from the user device;
retrieving, with the at least one processor of the POS device, an image template from the data structure based on the device identifier data; and
determining, with the at least one processor of the POS device, whether the image corresponds to the image template;

determining, with the at least one processor of the POS device, an account identifier of the customer based on authenticating the identity of the customer for the payment transaction;
sending a payment transaction authorization request message to the user device of the customer based on determining the account identifier of the customer, wherein the payment transaction authorization request message comprises transaction data associated with the payment transaction;
receiving a payment transaction authorization response message from the user device associated with the customer, wherein the payment transaction authorization response message comprises authorization data associated with an indication that the customer authorizes the payment transaction;
sending a transaction confirmation message to the user device of the customer, wherein the transaction confirmation message includes an indication that the payment transaction between the customer and the merchant was processed; and
deleting, with the at least one processor of the POS device, the device identifier data and the image template from the data structure of the merchant system after expiration of the time period.

2. The computer-implemented method according to claim 1 , wherein the device identifier data is first device identifier data, and the method further comprises:
receiving the image during the payment transaction between the customer and the merchant;
establishing a short-range communication connection between the user device and the POS device associated with the merchant during the payment transaction between the customer and the merchant;
receiving second device identifier data from the user device via the short-range communication connection; and
determining that the first device identifier data corresponds to the second device identifier data.

3. The computer-implemented method according to claim 2 , wherein establishing the short-range communication connection between the user device and the POS device comprises:
establishing the short-range communication connection between the user device and the POS device based on the user device being within a predetermined distance of the POS device.

4. The computer-implemented method according to claim 1 , further comprising:
displaying an image associated with a payment device, wherein the payment device is associated with the account identifier of the customer; and
receiving an indication that the account identifier of the customer is to be used during processing of the payment transaction after displaying the image associated with the payment device.

5. The computer-implemented method according to claim 4 , further comprising:
processing the payment transaction using the account identifier of the customer based on receiving the indication that the account identifier of the customer is to be used during processing of the payment transaction.

6. The computer-implemented method according to claim 1 , further comprising:
sending a payment transaction authorization request message to the user device; and
receiving a payment transaction authorization response message from the user device.

7. The computer-implemented method according to claim 1 , wherein causing the image to be captured via the image capture device comprises:
causing an image of at least a portion of a face of the customer to be captured via the image capture device,
wherein receiving the image comprises:
receiving the image of at least a portion of the face of the customer from the image capture device at the POS device associated with the merchant.

8. The computer-implemented method according to claim 1 , wherein the image template comprises encrypted facial image template data, and the computer-implemented method further comprises:
receiving the encrypted facial image template data from the user device, wherein the encrypted facial image template data comprises data that has been encrypted using a homomorphic encryption scheme.

9. A system, comprising:
at least one processor programmed or configured to:
generate device identifier data via a mobile application of a user device of a customer;
generate image template data associated with a facial image template for the customer via the mobile application of the user device of the customer;
store the device identifier data and the image template data on the user device of the customer via the mobile application;

at least one processor of a point-of-sale (POS) device of a merchant system of a merchant, wherein the at least one processor of the POS device is programmed or configured to:
receive the device identifier data and the image template data from the user device when the user device is within range of the POS device to establish a wireless communication connection, wherein, when receiving the device identifier data and the image template data from the user device, the at least one processor of the POS device is programmed or configured to:
receive the device identifier data and the image template data from the user device without the customer providing an input to the user device to cause the user device to transmit the device identifier data and the image template data from the user

Assignees

• Visa Int Service Ass

Inventors

• Starr Elianna
• Olson Dennis Franklin
• Dawson Amy
• Jimenez Andres
• He Jiayun
• Sisodiya Amisha
• Palacios Jorge Andre Torres Perez
• Parikh Binoy Parag
• Mahajan Saloni Vijaykumar
• Vuddaraju Sowmya
• Tadepalli Sneha Sri
• Best-Rowden Lacey
• Wagner Kim R
• Arora Sunpreet Singh
• Lohtia Sunit
• Sheets John F

Classifications

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/32

  using wireless devices · CPC title

• G06Q20/326

  Payment applications installed on the mobile devices · CPC title

• G06V40/172

  Classification, e.g. identification · CPC title

• G06Q20/42

  Confirmation, e.g. check or permission by the legal debtor of payment · CPC title