US 11,854,012 B2
Systems and methods for use in approving transactions, based on biometric data
Mark Jules Azzam, Ballwin, MO (US); John Eric Roberts, Sullivan, MO (US); Matthew Wease, O'Fallon, MO (US); and Brett Jon Halkett, O'Fallon, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on May 26, 2022, as Appl. No. 17/825,767.
Application 17/825,767 is a continuation of application No. 16/997,708, filed on Aug. 19, 2020, granted, now 11,348,109.
Application 16/997,708 is a continuation of application No. 15/180,633, filed on Jun. 13, 2016, granted, now 10,769,634, issued on Sep. 8, 2020.
Prior Publication US 2022/0284440 A1, Sep. 8, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G07F 7/08 (2006.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/204 (2013.01); G06Q 20/4016 (2013.01); G07F 7/0833 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A computer-implemented method for use in processing transactions, based on biometric data used in connection with authenticating consumers to payment accounts to which the transactions are directed, the method comprising:
in connection with a transaction by a user with a merchant, and the user presenting a biometric-enabled payment device for the transaction to the merchant:
receiving, by a point-of-sale (POS) terminal computing device of the merchant, from the payment device, a payment account credential specific to a payment account associated with the payment device; and
receiving, by the POS terminal computing device, from the payment device, a biometric score, which is indicative of a degree of match between i) a biometric of the user captured at the payment device in connection with the user presenting the payment device to the POS terminal computing device and ii) a reference biometric stored in the payment device;
comparing, by the POS terminal computing device, the biometric score to a threshold;
determining, by the POS terminal computing device, whether the user is authenticated based on the comparison; and
in response to the user being authenticated:
appending, by the POS terminal computing device, the biometric score and an indication of the biometric technology used to capture the biometric, to one or more data elements of an authorization request for the transaction at the merchant, the authorization request including the received payment account credential; and
transmitting, by the POS terminal computing device, the authorization request, wherein the biometric score and the indication of the biometric technology are adapted for an issuer associated with the payment account to utilize in determining to approve or decline the transaction.