Biometric authentication of mobile financial transactions by trusted service managers

US8150772B2 · kind B2 · utility

Assignee

• eBay Inc. · US

Inventors

• Upendra Mardikar · San Jose, US
• Eric Duprat · Los Altos, US

Key dates

• Filing date: Mar 30, 2009
• Grant date: Apr 3, 2012
• Expiry date: May 16, 2030

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/80
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for authenticating a financial transaction at a point of sale (POS) includes storing an application program in a first secure element of a mobile phone. The application is configured to generate instruction codes to effect the financial transaction upon verification of a user's identity. The user's credentials are stored in a second SE of the phone, which is operable to verify the user's identity from a biometric trait of the user input to the phone and to generate data authenticating the financial transaction in response to the verification of the user's identity. At the POS, the user invokes the application and then inputs a biometric trait to the phone. The second SE verifies the user's identity, and upon verification, generates data authenticating the transaction. The financial transaction data, including the instruction codes and the authenticating data, are then transmitted from the phone to the POS.