Authentication based on biometric identification parameter of an individual for payment transaction
US12293365B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 15, 2023 |
| Grant date | May 6, 2025 |
| Priority date | — |
| Expiry date | Feb 15, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/326
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.