Authentication Based on Biometric Identification Parameter of an Individual for Payment Transaction

Authentication Based on Biometric Identification Parameter of an Individual for Payment Transaction

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...

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Bibliographische Detailangaben
Hauptverfasser: He, Jiayun, Olson, Dennis Franklin, Jimenez, Andres, Arora, Sunpreet Singh, Starr, Elianna, Parikh, Binoy Parag, Tadepalli, Sneha Sri, Wagner, Kim R, Sheets, John F, Dawson, Amy, Vuddaraju, Sowmya, Sisodiya, Amisha, Best-Rowden, Lacey, Lohtia, Sunit, Mahajan, Saloni Vijaykumar, Palacios, Jorge Andre Torres Perez
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung: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.