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1. (WO2017069950) BIOMETRIC VERIFICATION SYSTEMS AND METHODS FOR PAYMENT TRANSACTIONS
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2017/069950 International Application No.: PCT/US2016/055435
Publication Date: 27.04.2017 International Filing Date: 05.10.2016
IPC:
G06Q 20/40 (2012.01) ,G06Q 20/18 (2012.01) ,G06Q 20/20 (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
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
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
08
Payment architectures
18
involving self-service terminals [SSTs], vending machines, kiosks or multimedia terminals
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
08
Payment architectures
20
Point-of-sale [POS] network systems
Applicants:
MASTERCARD INTERNATIONAL INCORPORATED [US/US]; 2000 Purchase Street Purchase, NY 10577, US
Inventors:
CHAUHAN, Rohit; US
Agent:
DOBBYN, Colm, J.; US
Priority Data:
14/921,28423.10.2015US
Title (EN) BIOMETRIC VERIFICATION SYSTEMS AND METHODS FOR PAYMENT TRANSACTIONS
(FR) SYSTÈMES ET PROCÉDÉS DE VÉRIFICATION BIOMÉTRIQUE POUR TRANSACTIONS DE PAIEMENT
Abstract:
(EN) According to some embodiments, a point of sale device may read a user's biometric information. The point of sale device may then execute an encryption algorithm on the biometric information read to create a token key value. The point of sale device may also receive a personal identification number value from the user and transmit the token key value and the personal identification number value to an authentication server. The authentication server may determine that the received token key value and the personal identification number value match a verified token key value and a verified personal identification number value in a registered user database. The authentication server may then transmit a signal to the point of sale device indicating that the received token key value and the personal identification number value match the verified token key value and the verified personal identification number value in the registered user database.
(FR) Selon certains modes de réalisation, un dispositif de point de vente lit des informations biométriques relatives à un utilisateur. Le dispositif de point de vente exécute ensuite un algorithme de chiffrement sur les informations biométriques lues afin de créer une valeur de jeton de clé. Le dispositif de point de vente reçoit également une valeur de numéro d'identification personnel de l'utilisateur et transmettre la valeur de jeton de clé et la valeur de numéro d'identification personnel à un serveur d'authentification. Le serveur d'authentification détermine que la valeur de jeton de clé reçue et la valeur de numéro d'identification personnel correspondent à une valeur vérifiée de jeton de clé d'authentification et à une valeur vérifiée de numéro d'identification personnel dans une base de données d'utilisateurs enregistrés. Le serveur d'authentification transmet ensuite au dispositif de point de vente un signal indiquant que la valeur de jeton de clé et la valeur de numéro d'identification personnel reçues correspondent à la valeur vérifiée de jeton de clé d'authentification et à la valeur vérifiée de numéro d'identification personnel dans la base de données d'utilisateurs enregistrés.
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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, DJ, 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, KW, 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 Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (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)