Systems and methods for verifying users, in connection with transactions using payment devices

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United States of America Patent

PATENT NO 11568412
APP PUB NO 20210049613A1
SERIAL NO

17080196

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Abstract

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Systems and methods for verifying users in connection with transactions are disclosed. One exemplary method includes, in response to a payment device being inserted at a terminal, initiating, by a security chip of the payment device, a timer and capturing, by a biometric sensor of the payment device, a fingerprint while the timer is unexpired. The method also includes verifying, by the security chip, the captured fingerprint against reference fingerprint data stored in memory in the payment device and, in response to the captured fingerprint being verified, while the timer is unexpired, initiating, by the security chip, with the terminal, a transaction to an account using an account number specific to a biometric application of the payment device. An issuer can recognize verification of a user associated with the fingerprint based on the account number in an authorization request, instead of a different account number for the account.

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Patent Owner(s)

  • MASTERCARD INTERNATIONAL INCORPORATED

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bhatt, Sumeet Jericho, US 21 171
Rans, Jean-Paul Edmond Glabais, BE 9 485

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