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1. WO2019055972 - SYSTEMS AND METHODS FOR PROVISIONING BIOMETRIC TEMPLATES TO BIOMETRIC DEVICES

Publication Number WO/2019/055972
Publication Date 21.03.2019
International Application No. PCT/US2018/051474
International Filing Date 18.09.2018
IPC
G06Q 20/40 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
G06Q 20/34 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit cards or magnetic cards
G07F 7/10 2006.01
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
7Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08by coded identity card or credit card
10together with a coded signal
CPC
G06Q 20/202
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
202Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
G06Q 20/204
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
204comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
G06Q 20/341
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
G06Q 20/3552
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
355Personalisation of cards for use
3552Downloading or loading of personalisation data
G06Q 20/40145
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA 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
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
40Authorisation, 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
401Transaction verification
4014Identity check for transaction
40145Biometric identity checks
G07F 7/10
GPHYSICS
07CHECKING-DEVICES
FCOIN-FREED OR LIKE APPARATUS
7Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
08by coded identity card or credit card ; or other personal identification means
10together with a coded signal ; , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • BHATT, Sumeet
  • KAMAL, Ashfaq
  • MAHESHWARI, Rajat
Agents
  • DOBBYN, Colm J.
Priority Data
62/560,02218.09.2017US
62/560,02818.09.2017US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS FOR PROVISIONING BIOMETRIC TEMPLATES TO BIOMETRIC DEVICES
(FR) SYSTÈMES ET PROCÉDÉS DE FOURNITURE DE MODÈLES BIOMÉTRIQUES À DES DISPOSITIFS BIOMÉTRIQUES
Abstract
(EN)
Systems and methods are provided for use in provisioning a biometric template to a biometric device. One exemplary method includes interacting, at a terminal associated with a banking institution, with a biometric device associated with a user and capturing a biometric of the user. The method also includes transmitting, by the terminal, an image of the captured biometric to a repository including a data structure of multiple biometric references, thereby permitting the repository to confirm the captured biometric against one of the multiple biometric references associated with the user. The method further includes receiving, at the terminal, a confirmation of the captured biometric matching the one of the multiple biometric references, converting the captured biometric to a biometric template upon such confirmation, and provisioning the biometric template to the biometric device, thereby permitting the user to be authenticated in connection with a transaction using the biometric device.
(FR)
L'invention concerne des systèmes et des procédés permettant de fournir un modèle biométrique à un dipositif biométrique. Un procédé donné à titre d'exemple consiste à interagir, sur un terminal associé à une institution bancaire, avec un dispositif biométrique associé à un utilisateur et à capturer une donnée biométrique de l'utilisateur. Le procédé consiste également à transmettre, au moyen du terminal, une image de la donnée biométrique capturée à un référentiel comprenant une structure de données de multiples références biométriques, ce qui permet au référentiel de confirmer la donnée biométrique capturée par rapport à l'une des multiples références biométriques associées à l'utilisateur. Le procédé consiste également à : recevoir, sur le terminal, une confirmation de la donnée biométrique capturée correspondant à une référence de la pluralité de références biométriques ; convertir la donnée biométrique capturée en un modèle biométrique lors d'une telle confirmation ; et fournir le modèle biométrique au dispositif biométrique, ce qui permet à l'utilisateur d'être authentifié en relation avec une transaction à l'aide du dispositif biométrique.
Latest bibliographic data on file with the International Bureau