SYSTEMS AND METHODS FOR NON-TRADITIONAL PAYMENT USING BIOMETRIC DATA
First Claim
1. A computer implemented method for facilitating a purchase transaction using biometric data, said method including:
- causing an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;
receiving a prompt to recite a pass phrase;
transmitting said pass phrase to said verification system;
receiving an authorization when said pass phrase and a voiceprint template match;
activating a non-traditional device when said authorization is received;
forming a transaction request at said non-traditional device; and
, communicating said transaction request from said non-traditional device to a reader to facilitate a purchase.
3 Assignments
0 Petitions
Accused Products
Abstract
Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor
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Citations
20 Claims
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1. A computer implemented method for facilitating a purchase transaction using biometric data, said method including:
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causing an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;
receiving a prompt to recite a pass phrase;
transmitting said pass phrase to said verification system;
receiving an authorization when said pass phrase and a voiceprint template match;
activating a non-traditional device when said authorization is received;
forming a transaction request at said non-traditional device; and
,communicating said transaction request from said non-traditional device to a reader to facilitate a purchase. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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15. A computer readable storage medium containing a set of instructions for a general purpose computer for facilitating a purchase transaction using biometric data, said instructions including:
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causing an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;
receiving a prompt to recite a pass phrase;
transmitting said pass phrase to said verification system;
receiving an authorization when said pass phrase and a voiceprint template match;
activating a non-traditional device when said authorization is received;
forming a transaction request at said non-traditional device; and
,communicating said transaction request from said non-traditional device to a reader to facilitate a purchase.
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16. A non-traditional device comprising:
a communication device configured to;
receive a pass phrase cause an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;
receive a prompt to recite a pass phrase;
transmit said pass phrase to said verification system;
receive an authorization when said pass phrase and a voiceprint template match; and
,activate said RF device when said authorization is received an RF device in communication with said communication device, said RF device configured to;
form a transaction request; and
,communicate said transaction request to a reader to facilitate a purchase.
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17. A computer implemented method for facilitating a purchase transaction using biometric data, said method including:
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receiving, at a verification system, a request from a merchant point of sale, wherein said request comprises a personal identification number (PIN) and transaction data, wherein said PIN was received from a user;
processing said request at said verification system;
receiving, at said verification system, a transmission from a non-traditional device, wherein said transmission comprises said PIN and a pass phrase;
comparing said pass phrase to a voiceprint template corresponding to said PIN; and
,compiling a purchase request when said pass phrase and said voiceprint template match, wherein said purchase request comprises charge account information from said transaction data. - View Dependent Claims (13, 14, 18, 19, 20)
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Specification