US 12,293,365 B2
Authentication based on biometric identification parameter of an individual for payment transaction
Elianna Starr, San Francisco, CA (US); Dennis Franklin Olson, San Francisco, CA (US); Amy Dawson, San Francisco, CA (US); Andres Jimenez, Walnut Creek, CA (US); Jiayun He, San Francisco, CA (US); Amisha Sisodiya, San Francisco, CA (US); Jorge Andre Torres Perez Palacios, San Francisco, CA (US); Binoy Parag Parikh, Foster City, CA (US); Saloni Vijaykumar Mahajan, Fremont, CA (US); Sowmya Vuddaraju, Fremont, CA (US); Sneha Sri Tadepalli, Fremont, CA (US); Lacey Best-Rowden, San Mateo, CA (US); Kim R. Wagner, Sunnyvale, CA (US); Sunpreet Singh Arora, San Jose, CA (US); Sunit Lohtia, San Rafael, CA (US); and John F. Sheets, San Francisco, 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. 15, 2023, as Appl. No. 18/109,974.
Application 18/109,974 is a continuation of application No. 17/551,492, filed on Dec. 15, 2021, granted, now 11,593,809.
Application 17/551,492 is a continuation of application No. 16/245,316, filed on Jan. 11, 2019, granted, now 11,232,450, issued on Jan. 25, 2020.
Claims priority of provisional application 62/616,484, filed on Jan. 12, 2018.
Prior Publication US 2023/0196366 A1, Jun. 22, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/42 (2012.01); G06V 40/16 (2022.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/32 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/42 (2013.01); G06V 40/172 (2022.01); G06Q 20/326 (2020.05)] 19 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
generating device identifier data via a mobile application of a user device of a customer;
generating image template data associated with a facial image template for the customer via the mobile application of the user device of the customer;
storing the device identifier data and the image template data on the user device of the customer via the mobile application;
receiving, with at least one processor of a point-of-sale (POS) device of a merchant system of a merchant, the device identifier data and the image template data from the user device when the user device is within range of the POS device to establish a wireless communication connection, wherein receiving the device identifier data and the image template data from the user device comprises receiving the device identifier data and the image template data from the user device without the customer providing an input to the user device to cause the user device to transmit the device identifier data and the image template data from the user device to the POS device of the merchant system;
storing, with the at least one processor of the POS device, the device identifier data and the image template data in a data structure of the merchant system of the merchant for a time period;
causing, with the at least one processor of the POS device, an image of the customer to be captured via an image capture device of the merchant system during a payment transaction between the customer and the merchant;
displaying, with the at least one processor of the POS device, a plurality of images of the plurality of customers associated with a plurality of user devices on a graphical user interface (GUI) of the POS device;
selecting, with the at least one processor of the POS device, the customer associated with the user device out of the plurality of customers associated with the plurality of user devices;
authenticating, with the at least one processor of the POS device, an identity of the customer for the payment transaction, wherein authenticating the identity of the customer for the payment transaction comprises:
receiving, with the at least one processor of the POS device, the device identifier data from the user device;
retrieving, with the at least one processor of the POS device, an image template from the data structure based on the device identifier data; and
determining, with the at least one processor of the POS device, whether the image corresponds to the image template;
determining, with the at least one processor of the POS device, an account identifier of the customer based on authenticating the identity of the customer for the payment transaction;
sending a payment transaction authorization request message to the user device of the customer based on determining the account identifier of the customer, wherein the payment transaction authorization request message comprises transaction data associated with the payment transaction;
receiving a payment transaction authorization response message from the user device associated with the customer, wherein the payment transaction authorization response message comprises authorization data associated with an indication that the customer authorizes the payment transaction;
sending a transaction confirmation message to the user device of the customer, wherein the transaction confirmation message includes an indication that the payment transaction between the customer and the merchant was processed; and
deleting, with the at least one processor of the POS device, the device identifier data and the image template from the data structure of the merchant system after expiration of the time period.