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1. (WO2015066028) USING BIOMETRIC AUTHENTICATION FOR NFC-BASED PAYMENTS
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/2015/066028 International Application No.: PCT/US2014/062657
Publication Date: 07.05.2015 International Filing Date: 28.10.2014
IPC:
G06Q 20/32 (2012.01) ,G06Q 20/40 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
30
characterised by the use of specific devices
32
using wireless devices
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
APPLE INC. [US/US]; 1 Infinite Loop Cupertino, California 95014, US
Inventors:
KHAN, Ahmer, A.; US
Agent:
LEE, Michael, Q.; US
Priority Data:
14/474,80302.09.2014US
61/899,73404.11.2013US
Title (EN) USING BIOMETRIC AUTHENTICATION FOR NFC-BASED PAYMENTS
(FR) UTILISATION D'AUTHENTIFICATION BIOMÉTRIQUE POUR PAIEMENTS À BASE DE COMMUNICATION EN CHAMP PROCHE
Abstract:
(EN) In order to validate a user to facilitate conducting a high-valued financial transaction via wireless communication between an electronic device (such as a smartphone) and another electronic device (such as a point-of-sale terminal), the electronic device may authenticate the user prior to the onset of the high-valued financial transaction. In particular, a secure enclave processor in a processor may provide local validation information that is specific to the electronic device to a secure element in the electronic device when received local authentication information that is specific to the electronic device (such as a biometric identifier of the user) matches stored authentication information. Moreover, an authentication applet in the secure element may provide the local validation information to an activated payment applet in the secure element. This may enable the payment applet to conduct the high-valued financial transaction via wireless communication, such as near-field communication.
(FR) L'invention concerne, afin de valider un utilisateur pour faciliter la conduite d'une transaction financière à forte valeur ajoutée via une communication sans fil entre un dispositif électronique (tel qu'un téléphone intelligent) et un autre dispositif électronique (tel qu'un terminal de point de vente), un dispositif électronique pouvant authentifier l'utilisateur avant le début de la transaction financière à forte valeur ajoutée. En particulier, un processeur d'enclave sécurisé dans un processeur peut fournir des informations de validation locales qui sont spécifiques au dispositif électronique à un élément sécurisé dans le dispositif électronique lorsque des informations d'authentification locales reçues qui sont spécifiques au dispositif électronique (tel qu'un identifiant biométrique de l'utilisateur) correspondent à des informations d'authentification stockées. En outre, un applet d'authentification dans l'élément sécurisé peut fournir les informations de validation locales à un applet de paiement activé dans l'élément sécurisé. Cela peut permettre à l'applet de paiement de conduire la transaction financière à forte valeur ajoutée via une communication sans fil, telle qu'une communication en champ proche.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
CN105684009EP3066627JP2016537879AU2014342529IN201617017359KR1020180019777
KR1020160082538