Secure on device cardholder authentication using biometric data
US11157905B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 28, 2015 |
| Grant date | Oct 26, 2021 |
| Priority date | — |
| Expiry date | Aug 26, 2040 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A secure on-device cardholder authentication method and system. In an embodiment, a consumer's mobile device uses a mobile application to receive a user authentication request from an entity. A biometric data capture request is then transmitted to a biometric sensor of the mobile device, and a determination made that the mobile application is authorized to use an authenticator API. Next, the mobile device processor prompts the user to provide at least one form of biometric data in accordance with business rules, receives a user authentication response when the user provided biometric data matches locally stored biometric data, generates a positive user authentication response message, and transmits the positive user authentication response message to the entity.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.