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1. WO2022026662 - BIOMETRIC TOKENIZED NETWORKS

Publication Number WO/2022/026662
Publication Date 03.02.2022
International Application No. PCT/US2021/043636
International Filing Date 29.07.2021
IPC
G06Q 20/40 2012.1
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
G06F 21/32 2013.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
32using biometric data, e.g. fingerprints, iris scans or voiceprints
H04L 29/06 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
29Arrangements, apparatus, circuits or systems, not covered by a single one of groups H04L1/-H04L27/136
02Communication control; Communication processing
06characterised by a protocol
G06Q 20/20
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
08Payment architectures
20Point-of-sale network systems
H04L 9/32 2006.1
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system
CPC
G06F 21/32
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
32using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/45
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
45Structures or tools for the administration of authentication
G06Q 20/382
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
382insuring higher security of transaction
G06Q 20/401
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
H04L 63/0861
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
63Network architectures or network communication protocols for network security
08for supporting authentication of entities communicating through a packet data network
0861using biometrical features, e.g. fingerprint, retina-scan
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • PRASZCZALEK, Przemek
  • NARAYANSWAMY, Raman
Agents
  • DOBBYN, Colm, J.
Priority Data
63/059,69631.07.2020US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) BIOMETRIC TOKENIZED NETWORKS
(FR) RÉSEAUX BIOMÉTRIQUES PAR JETON
Abstract
(EN) Biometric tokenized networks. In one embodiment, a system includes a network and a server. The server includes a memory storing a biometric token vault, a communication interface, and an electronic processor. The electronic processor is configured to: receive a biometric token (i.e., identity token), a merchant identifier, and transaction details via the network, confirm a uniqueness of the biometric token with a second biometric token stored in the biometric token vault, generate a relationship identifier based on the merchant identifier and a global unique identifier linked to the second biometric token, and determine whether the relationship identifier is associated with a payment account reference, and output the merchant identifier, the transaction details, and a personal account number associated with the payment account reference to an issuer via the network in response to determining that the relationship identifier is associated with the payment account reference.
(FR) Réseaux biométriques par jeton. Dans un mode de réalisation, un système comprend un réseau et un serveur. Le serveur comprend une mémoire stockant un coffre-fort de jetons biométriques, une interface de communication et un processeur électronique. Le processeur électronique est conçu pour : recevoir un jeton biométrique (c'est-à-dire un jeton d'identité), un identifiant de commerçant et des détails de transaction par l'intermédiaire du réseau, confirmer un caractère unique du jeton biométrique avec un second jeton biométrique stocké dans le coffre-fort de jetons biométriques, générer un identifiant de relation sur la base de l'identifiant de commerçant et d'un identifiant unique global lié au second jeton biométrique, et déterminer si l'identifiant de relation est associé à une référence de compte de paiement, et délivrer l'identifiant de commerçant, les détails de transaction et un numéro de compte personnel associé à la référence de compte de paiement à un émetteur par l'intermédiaire du réseau lorsqu'il est déterminé que l'identifiant de relation est associé à la référence de compte de paiement.
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