| CPC G06Q 20/40145 (2013.01) [G06Q 20/0855 (2013.01)] | 11 Claims |
|
1. A method for biometric payments, comprising:
receiving user input of biometric data from a user in-person at an interface of a biometric reader device at a merchant to register the user for biometric payments at the merchant based upon the biometric data wherein the user input of the biometric data at the biometric reader device includes the user inputting user image data through a scanning operation;
based upon the registration at the merchant, generating and storing, at a credential manager, a biometric identifier associated with the user including the biometric data of the user;
after registration, receiving biometric data by the biometric reader device from the user during an in-person sale transaction with the user at the merchant, wherein, if the user is registered for biometric payments with the merchant and the biometric payments for the merchant have not been disabled by the user:
determining the biometric identifier that is associated with the biometric data at the credential manager;
determining a stored payment credential that is associated with the biometric identifier stored at the credential manager, wherein the stored payment credential is stored by the credential manager that is in communication with the merchant, wherein the stored payment credential includes a secure remote commerce (SRC) profile identifier such that the credential manager operates as an SRC initiator;
determining a payment number based on the stored payment credential by:
transmitting a request to a biometric orchestration system for the payment number from the credential manager based on the secure remote commerce (SRC) profile identifier and the biometric identifier, the biometric orchestration system comprising a computer processor to control operations;
retrieving by the biometric orchestration system, under the control of the computer processor, a default card associated with the SRC profile identifier and the payment number for the default card, if the biometric identifier is validated by the biometric orchestration system for the default card, wherein the payment number comprises at least one of a payment card number or a tokenised payment card number; and
transmitting by the biometric orchestration system to the credential manager, under the control of the computer processor, the payment number for the default card;
generating an authorisation request message at the credential manager that is transmitted to an issuer for processing by the issuer, wherein the authorisation request message comprises the payment number to complete the in-person sale transaction, and a data element comprising an indication that the user was authenticated by a biometric authentication method;
after registration, receiving a user request from the user at the biometric orchestration system to enable or disable biometric payments by the default card for one or more specific merchants, wherein the user request to enable biometric payments by the default card for the one or more the specific merchants is based upon the user checking an enablement box on a display and selecting an icon of the specific merchant on the display associated with the enablement box for enablement, wherein the user request to disable biometric payments by the default card for the specific merchant is based upon the user selecting an icon of the specific merchant on the display for disablement; and
selectively enabling or disabling biometric payments by the default card for the specific merchant at the biometric orchestration system responsive to the user request.
|