US 11,907,950 B2
System and method for biometric fallback authentication
Yuexi Chen, Foster City, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Feb. 9, 2023, as Appl. No. 18/107,631.
Application 18/107,631 is a continuation of application No. 16/965,545, granted, now 11,587,087, previously published as PCT/US2019/015064, filed on Jan. 25, 2019.
Claims priority of provisional application 62/623,766, filed on Jan. 30, 2018.
Prior Publication US 2023/0196365 A1, Jun. 22, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/3227 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/405 (2013.01)] 14 Claims
OG exemplary drawing
 
1. A method for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, the method comprising:
activating a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
after activating the NFC device, automatically establishing, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
after establishing the NFC link, determining, with at least one processor, that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
in response to determining that the result comprises the verification success, determining, with at least one processor, at least one transaction limitation parameter;
determining, with at least one processor, transaction data corresponding to the payment transaction;
based upon the transaction data, determining, with at least one processor, whether the at least one transaction limitation parameter has been met;
in response to determining that the at least one transaction limitation parameter has been met, terminating, with at least one processor, the biometric verification process; and
after terminating the biometric verification process, processing the payment transaction, with at least one processor, based on the verification success by completing the payment transaction with the point-of-sale system.