Payment by use of identifier
US11861581B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 7, 2022 |
| Grant date | Jan 2, 2024 |
| Priority date | — |
| Expiry date | Nov 7, 2042 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/42
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Described is a technology that enables a customer, who uses a payment card in a point-of-sale (POS) transaction and provides a biometric identifier to the merchant, to use the biometric identifier as a payment mechanism in future transactions. In some embodiments, the technology involves communication between a customer's user device, a payment service system (PSS), and one or more merchant POS systems. A merchant POS system collects information around the time or after the time of the POS transaction between the merchant POS system and the customer, including, among others, a biometric identifier of the customer and forwards this information to the PSS. The PSS stores the biometric identifier in association with the payment card used in the transaction. In a second transaction, the customer may provide the biometric and the PSS may process the transaction based at least in part on the identifier without the customer needing to provide a payment card.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.