SG10201706801YA - Biometric system for authenticating a biometric request - Google Patents

Biometric system for authenticating a biometric request

Info

Publication number
SG10201706801YA
SG10201706801YA SG10201706801YA SG10201706801YA SG10201706801YA SG 10201706801Y A SG10201706801Y A SG 10201706801YA SG 10201706801Y A SG10201706801Y A SG 10201706801YA SG 10201706801Y A SG10201706801Y A SG 10201706801YA SG 10201706801Y A SG10201706801Y A SG 10201706801YA
Authority
SG
Singapore
Prior art keywords
biometric
key
request
data representing
payment
Prior art date
Application number
SG10201706801YA
Inventor
Maheshwari Rajat
Charles Gilbey Benjamin
Bhatt Sumeet
Original Assignee
Mastercard Asia Pacific Pte Ltd
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 Mastercard Asia Pacific Pte Ltd filed Critical Mastercard Asia Pacific Pte Ltd
Priority to SG10201706801YA priority Critical patent/SG10201706801YA/en
Priority to US16/105,804 priority patent/US20190057390A1/en
Priority to CN201810950798.4A priority patent/CN109426963B/en
Publication of SG10201706801YA publication Critical patent/SG10201706801YA/en

Links

Classifications

    • 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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/409—Device specific authentication in transaction processing

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Collating Specific Patterns (AREA)

Abstract

Htld\Interwoven\NRPortbl\SNGDCC\TLD\_1.doc-10/08/2017 - 41 - BIOMETRIC SYSTEM FOR AUTHENTICATING A BIOMETRIC REQUEST 5 A biometric system for authenticating a biometric request received from a payment terminal, comprising one or more processors in communication with non-transitory data storage having instructions stored thereon which, when executed by the processor or processors, configure the system to perform the steps of: receiving a payment request from the payment terminal, the payment request including 10 cardholder data and a biometric authentication request; retrieving, from data storage, a key associated with the cardholder data; sending, to the payment terminal, message data representing said key; receiving, from the payment terminal, data representing biometric input from a purchaser; retrieving, from data storage, a reference biometric template associated with the key; comparing said data representing 15 biometric input from the purchaser with the reference biometric template associated with the key; responsive to a determination that said data representing biometric input from the purchaser matches with the reference biometric template associated with the key: generating message data representing a payment authorization request including an indication that the biometric input from the purchaser matches with the 20 reference biometric template associated with the key; and sending, to an authorization system, the message data. Figure 1 25
SG10201706801YA 2017-08-21 2017-08-21 Biometric system for authenticating a biometric request SG10201706801YA (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
SG10201706801YA SG10201706801YA (en) 2017-08-21 2017-08-21 Biometric system for authenticating a biometric request
US16/105,804 US20190057390A1 (en) 2017-08-21 2018-08-20 Biometric system for authenticating a biometric request
CN201810950798.4A CN109426963B (en) 2017-08-21 2018-08-21 Biometric system for authenticating biometric requests

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
SG10201706801YA SG10201706801YA (en) 2017-08-21 2017-08-21 Biometric system for authenticating a biometric request

Publications (1)

Publication Number Publication Date
SG10201706801YA true SG10201706801YA (en) 2019-03-28

Family

ID=65359730

Family Applications (1)

Application Number Title Priority Date Filing Date
SG10201706801YA SG10201706801YA (en) 2017-08-21 2017-08-21 Biometric system for authenticating a biometric request

Country Status (3)

Country Link
US (1) US20190057390A1 (en)
CN (1) CN109426963B (en)
SG (1) SG10201706801YA (en)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10741020B1 (en) * 2019-02-21 2020-08-11 Igt System and method for utilizing a mobile device to log a user into a gaming establishment system
CN110189136A (en) * 2019-05-20 2019-08-30 中国银联股份有限公司 Transaction processing method, device, equipment, medium and system
US20210272123A1 (en) * 2020-02-27 2021-09-02 Global Patent & Assertion Capital Corporation Payment-based configuration table for performing biometric validation of a user
US11437127B2 (en) 2020-03-13 2022-09-06 NextGen Monetization Trust Trusted third-party computerized platform for AI-based health wallet
AU2021221596A1 (en) * 2021-03-24 2022-10-13 A.C.N. 602 586 952 Pty Ltd Contactless payment via mobile devices using hybrid communications approach

Family Cites Families (17)

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Publication number Priority date Publication date Assignee Title
US6072891A (en) * 1997-02-21 2000-06-06 Dew Engineering And Development Limited Method of gathering biometric information
US20020091937A1 (en) * 2001-01-10 2002-07-11 Ortiz Luis M. Random biometric authentication methods and systems
US7921297B2 (en) * 2001-01-10 2011-04-05 Luis Melisendro Ortiz Random biometric authentication utilizing unique biometric signatures
US20030172027A1 (en) * 2001-03-23 2003-09-11 Scott Walter G. Method for conducting a credit transaction using biometric information
US20040193893A1 (en) * 2001-05-18 2004-09-30 Michael Braithwaite Application-specific biometric templates
US20070075130A1 (en) * 2005-10-03 2007-04-05 Henry Potrykus Mid-Level Local Biometric Identification Credit Card Security System
CN101093593A (en) * 2006-06-21 2007-12-26 韩燕� Electronic pay off method by value stored card or gathering and paying card, ID authentication terminal, and system
US20090145972A1 (en) * 2007-12-11 2009-06-11 James Douglas Evans Biometric authorization transaction
US8694793B2 (en) * 2007-12-11 2014-04-08 Visa U.S.A. Inc. Biometric access control transactions
CN102413100A (en) * 2010-09-25 2012-04-11 盛乐信息技术（上海）有限公司 Voice-print authentication system having voice-print password picture prompting function and realization method thereof
CN102467708A (en) * 2010-11-17 2012-05-23 安凯(广州)微电子技术有限公司 Payment method, transaction origination terminal and transaction execution terminal
US9020208B2 (en) * 2011-07-13 2015-04-28 Honeywell International Inc. System and method for anonymous biometrics analysis
US20150100485A1 (en) * 2012-06-10 2015-04-09 Safe Sign Ltd Biometric confirmation for bank card transaction
CN102945334A (en) * 2012-09-30 2013-02-27 潘铁军 Safety equipment with virtual on-chip operating system, safety device with virtual on-chip operating system, systems and methods
SG2013071964A (en) * 2013-09-24 2015-04-29 Mastercard Asia Pacific Pte Ltd A method for electrically personalizing a payment chip and a payment chip
CN104268755A (en) * 2014-09-04 2015-01-07 郑遥 Portable fingerprint card swiping payment system and method
CN105005895A (en) * 2015-07-31 2015-10-28 石晶晶 Payment card security system and operation method

Also Published As

Publication number Publication date
CN109426963A (en) 2019-03-05
US20190057390A1 (en) 2019-02-21
CN109426963B (en) 2024-01-12

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