US 12,088,586 B2
Biometric validation process utilizing access device and location determination
Kim R. Wagner, Sunnyvale, CA (US); Lacey Best-Rowden, San Mateo, 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 Sep. 22, 2022, as Appl. No. 17/950,975.
Application 17/950,975 is a continuation of application No. 16/758,353, granted, now 11,496,467, previously published as PCT/US2018/044322, filed on Jul. 30, 2018.
Claims priority of provisional application 62/582,782, filed on Nov. 7, 2017.
Prior Publication US 2023/0016784 A1, Jan. 19, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06F 21/62 (2013.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G07F 19/00 (2006.01); H04L 9/00 (2022.01); H04L 9/32 (2006.01); H04W 12/06 (2021.01); H04W 12/64 (2021.01)
CPC H04L 63/0861 (2013.01) [G06F 21/6245 (2013.01); G06Q 20/1085 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/4016 (2013.01); H04L 9/3231 (2013.01); H04W 12/06 (2013.01); H04W 12/64 (2021.01); G06F 2221/2111 (2013.01); G07F 19/206 (2013.01); H04L 9/008 (2013.01); H04L 2209/46 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by an access device from a user device, a first biometric sample of a user operating the user device, for conducting an interaction;
generating, by the access device, first biometric information in an obscured format, based on the first biometric sample;
transmitting, by the access device to a service provider computer, a request for biometric information associated with a plurality of users whose biometric information was respectively obtained from corresponding biometric samples of the plurality of users and stored in a database by the service provider computer prior to the receiving the first biometric sample;
in response to the request, receiving, by the access device from the service provider computer, a first plurality of biometric information in an obscured format, wherein the first plurality of biometric information respectively corresponds to a first plurality of users operating a first plurality of user devices, which are determined to be within a predetermined distance of the access device based on the request, among a plurality of user devices associated with the plurality of users, wherein the first plurality of biometric information is a subset of the biometric information associated with the plurality of users;
comparing, by the access device, the first biometric information in the obscured format to the first plurality of biometric information in the obscured format;
generating, by the access device, a match result based on the comparing;
providing, by the access device to a server computer, the match result; and
in response to the match result being provided, receiving, by the access device, information indicating that one of the first plurality of users that is associated with one of the first plurality of biometric information is the user associated with the first biometric information.