Secure in-line payments
US-12106300-B2 · Oct 1, 2024 · US
US2016189149A1 · US · A1
| Field | Value |
|---|---|
| Publication number | US-2016189149-A1 |
| Application number | US-201414586853-A |
| Country | US |
| Kind code | A1 |
| Filing date | Dec 30, 2014 |
| Priority date | Dec 30, 2014 |
| Publication date | Jun 30, 2016 |
| Grant date | — |
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Systems and methods for authentication of users based on biometrics and determination of group characteristics based on biometrics are provided. Biometric profiles of users, which include reference biometric data for behavioral patterns and/or physiological characteristics, are stored in a biometric system. A biometric capture device captures a biometric sample that includes a representation of one or more biometrics of a user. The biometric system determines biometric data from the biometric sample and compares the biometric data with the reference biometric data. The biometric system may authenticate the user based on the comparison alone or in combination with other authentication techniques. Further, for biometric samples that include a representation of biometrics for a group of users, the biometric system may determine a group characteristic from the biometric sample and provide services relevant to the group.
Opening claim text (preview).
What is claimed is: 1 . A system comprising: a storage module configured to store biometric profiles of users that include reference biometric data, the reference biometric data including data for one or more types of behavioral patterns; a biometric data determination module configured to determine biometric data of a user from a biometric sample in response to receiving the biometric sample from a biometric capture device configured to capture the biometric sample; a comparison module configured to compare the biometric data with at least one of the reference biometric data; an authentication module configured to authenticate the user based, at least in part, on the comparison; and a payment processor module configured to receive a payment request for a purchase and process the payment request in response to authenticating the user. 2 . The system of claim 1 , wherein the biometric data determination module is configured to determine the reference biometric data in response to receiving biometric samples from biometric capture devices, the system further comprising a biometric profile module configured to build the biometric profiles by associating the reference biometric data with the users in the storage module. 3 . The system of claim 1 , wherein the reference biometric data further includes data for one or more types of physiological characteristics. 4 . The system of claim 3 , wherein the reference biometric data for the one or more types of behavioral patterns include gait data, typing dynamics data, gameplay dynamics data, signature data, and/or voice data, and wherein the reference biometric data for the one or more types of physiological characteristics include height data, facial feature data, body proportion data, and/or heartbeat data. 5 . The system of claim 4 , wherein the gait data comprise a plurality of types including gait data for walking, walking while pushing a shopping cart, walking with a shopping basket, walking while wearing certain shoes, jogging, and/or running. 6 . The system of claim 3 , wherein the biometric capture device is located at a point of sale of a physical merchant location, wherein the biometric capture device is configured to capture an image sequence sample while the user is approaching the point-of-sale, and wherein the biometric data determination module is configured to determine height data, image-based gait data, and facial feature data of the approaching user from the image sequence sample. 7 . The system of claim 6 , wherein the authentication module is configured to authenticate the user further based on authentication data received from a merchant device at the point of sale, the authentication data including a user-entered personal identification number (PIN), a reading of a credit or debit card, a signature, a scanning of a barcode, and/or a near field communication between a user device and a merchant device. 8 . The system of claim 1 , wherein the biometric capture device is a user device configured to capture a keystroke dynamic sample or a gameplay dynamics sample using a user interface of the user device and transmit the keystroke dynamic sample or a gameplay dynamics sample to the biometric system. 9 . The system of claim 1 , wherein the comparison module is configured to compare the biometric data with the reference biometric data to generate a matching score, determine a reference data set in which the biometric data belongs, or both, and wherein the authentication module authorizes purchases by the user for a predetermined time period in response to authenticating the user. 10 . A biometric system comprising: a storage module configured to store reference biometric data of a plurality of types; a biometric data determination module configured to determine biometric data of one or more users in a group from a biometric sample in response to receiving the biometric sample from a biometric capture device configured to capture the biometric sample; a comparison module configured to compare the biometric data with at least one of the reference biometric data; and a service module configured to determine one or more group characteristics based on the comparison and provide services based on at least of the one or more group characteristics. 11 . The system of claim 10 , wherein the one or more group characteristics relate to gender, age, and/or emotional state. 12 . The system of claim 10 , wherein the biometric capture device is located at a physical merchant location, and wherein service module is further configured to select an advertisement to display on a display panel based on the one or more group characteristics. 13 . The system of claim 10 , wherein the service module is configured to transmit a notification in response to the one or more group characteristics indicating violence or a high level of stress. 14 . A method, comprising: determining, by a processing system in response to receiving biometric samples from biometric capture devices, reference biometric data, the reference biometric data including data for one or more types of behavioral patterns; building, by the processing system associating the reference biometric data with the users in a non-transitory hardware memory, biometric profiles of users; determining, by the processing system in response to receiving a further biometric sample, biometric data of a user; comparing, by the processing system, the biometric data with at least one of the reference biometric data; authenticating, by the processing system, the user based, at least in part, on the comparing; and processing, by the processing system, a payment request for a purchase in response to receiving the payment request and the authenticating. 15 . The method of claim 14 , wherein the reference biometric data further includes data for one or more types of physiological characteristics. 16 . The method of claim 15 , wherein the reference biometric data for the one or more types of behavioral patterns include gait data, typing dynamics data, gameplay dynamics data, signature data, and/or voice data, and wherein the reference biometric data for the one or more types of physiological characteristics include height data, facial feature data, body proportion data, and/or heartbeat data; and wherein the gait data comprise a plurality of types including gait data for walking, walking with a shopping cart, walking with a shopping basket, jogging, and/or running. 17 . The method of claim 15 , wherein the biometric capture device is located at a point of sale of a physical merchant location, wherein the biometric samples and the further biometric sample include image sequence samples while the user is approaching the point-of-sale, and wherein the reference biometric data and the biometric data include height data, image-based gait data, and facial feature data. 18 . The method of claim 17 , wherein the authenticating is further based on authentication data received from a merchant device at the point of sale, the authentication data including a user-entered personal identification number (PIN), a reading of a credit or debit card, a signature, a scanning of a barcode, and/or a near field communication between a user device and a merchant device. 19 . The method of claim 17 , wherein the building comprises associating the corresponding reference biometric data with the user in response to identifying the user at the point of sale based on a user-entered personal identification number (PIN), a reading of a credit or debit
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title
Physics · mapped topic
Biometric identity checks · CPC title
Multimodal biometrics, e.g. combining information from different biometric modalities · CPC title
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