CA3015041C - Transaction de paiement biometrique sans appareil mobile ou carte - Google Patents

Transaction de paiement biometrique sans appareil mobile ou carte Download PDF

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Publication number
CA3015041C
CA3015041C CA3015041A CA3015041A CA3015041C CA 3015041 C CA3015041 C CA 3015041C CA 3015041 A CA3015041 A CA 3015041A CA 3015041 A CA3015041 A CA 3015041A CA 3015041 C CA3015041 C CA 3015041C
Authority
CA
Canada
Prior art keywords
biometric
transaction
finger
payment
customer
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CA3015041A
Other languages
English (en)
Other versions
CA3015041A1 (fr
Inventor
Denikumar D. Lad
Vivek R. Pandit
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to CA3015041A priority Critical patent/CA3015041C/fr
Priority to US16/172,820 priority patent/US20200058032A1/en
Priority to PCT/IN2018/050797 priority patent/WO2019162957A1/fr
Publication of CA3015041A1 publication Critical patent/CA3015041A1/fr
Application granted granted Critical
Publication of CA3015041C publication Critical patent/CA3015041C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Un processeur ou une passerelle de paiement ou un système visant un PDV, un guichet automatique, tout dispositif ayant la capacité, qui permet et traite les transactions au moyen de données biométriques sans utilisation dappareil mobile, de cartes ou de portefeuilles par données biométriques autorisées. Linstitution financière, à lattribution de comptes (par client enregistré au moyen de la biométrie) attribue également un compte biométrique virtuel, des cartes de crédit, et un système peut traiter une transaction au moyen de linformation biométrique capturée seulement pour identifier le compte virtuel associé par rapport à linformation biométrique enregistrée conforme. Une transaction de paiement ne nécessite pas une carte de paiement physique ou quelque sorte de mode courant dinformation de transaction. Un système de passerelle de paiement autorisera le paiement au marchand à partir du compte du client au moyen de données biométriques enregistrées émises/enregistrées par linstitution financière émettrice. En cas de conflit avec linformation biométrique enregistrée, la transaction peut être refusée. Linformation biométrique du client (empreintes digitales de 10 doigts) et la paume (gauche et droite) ou linformation comportementale est enregistrée sur le serveur de la banque, de linstitution financière ou du serveur nuagique.
CA3015041A 2018-08-20 2018-08-20 Transaction de paiement biometrique sans appareil mobile ou carte Active CA3015041C (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA3015041A CA3015041C (fr) 2018-08-20 2018-08-20 Transaction de paiement biometrique sans appareil mobile ou carte
US16/172,820 US20200058032A1 (en) 2018-08-20 2018-10-28 Biometric Payment Transaction Without Mobile or Card
PCT/IN2018/050797 WO2019162957A1 (fr) 2018-08-20 2018-11-29 Transaction de paiement biométrique sans mobile ni carte

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA3015041A CA3015041C (fr) 2018-08-20 2018-08-20 Transaction de paiement biometrique sans appareil mobile ou carte

Publications (2)

Publication Number Publication Date
CA3015041A1 CA3015041A1 (fr) 2018-12-12
CA3015041C true CA3015041C (fr) 2019-07-23

Family

ID=64655294

Family Applications (1)

Application Number Title Priority Date Filing Date
CA3015041A Active CA3015041C (fr) 2018-08-20 2018-08-20 Transaction de paiement biometrique sans appareil mobile ou carte

Country Status (1)

Country Link
CA (1) CA3015041C (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2022187767A1 (fr) * 2021-03-04 2022-09-09 Qualcomm Incorporated Authentification d'empreintes digitales multiples randomisée

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2022187767A1 (fr) * 2021-03-04 2022-09-09 Qualcomm Incorporated Authentification d'empreintes digitales multiples randomisée
US11645865B2 (en) 2021-03-04 2023-05-09 Qualcomm Incorporated Randomized multi-fingerprint authentication

Also Published As

Publication number Publication date
CA3015041A1 (fr) 2018-12-12

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