SYSTEMS AND METHODS FOR NON-TRADITIONAL PAYMENT USING BIOMETRIC DATA

• US 20090140839A1
• Filed: 02/06/2009
• Published: 06/04/2009
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bishop, Fred, Saunders, Peter D.
• Granted Patent: US 8,655,789 B2
• Time in Patent Office: Days
• US Class Current: 340/5.850
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

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

Claims

1. A computer implemented method for facilitating a purchase transaction using biometric data, said method including:

receiving, at a verification system, a request, wherein said request comprises a personal identification number (PIN) from a user and transaction data associated with said 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 an audio pass phrase spoken by said user;

comparing said audio pass phrase to a voiceprint template corresponding to said PIN;

sending an encrypted authorization code in response to a correspondence between said audio pass phrase and said voiceprint template; and

,

compiling a purchase request in response to said correspondence between said audio pass phrase and said voiceprint template, wherein said purchase request comprises charge account information from said transaction data.

2. The method of claim 1, further comprising transmitting said purchase request to a third party for authorization.

3. The method of claim 1, wherein sending comprises sending at least one of said decrypted authorization code or said encrypted authorization code to at least one of said non-traditional device or a point of sale (POS).

4. The method of claim 1, further comprising decrypting said encrypted authorization code.

5. The method of claim 1, wherein at least one of a POS or said non-traditional device decrypts said encrypted authorization code.

6. The method of claim 1, wherein said non-traditional device is at least one of a cell phone, a personal digital assistant (PDA), or an electronic handheld device.

7. The method of claim 1, further comprising sending a prompt to recite an audio pass phrase, to said non-traditional device.

8. The method of claim 1, wherein said non-traditional device is activated in response to said encrypted authorization code being received by said non-traditional device.

9. The method of claim 1, wherein said request is received from said non-traditional device.

10. The method of claim 1, wherein said request is received from said non-traditional device in response to activation of said non-traditional device.

11. The method of claim 1, wherein said request is received from a POS.

12. The method of claim 1, wherein said non-traditional device communicates in at least one of radio frequency protocol, ISO 14443 format or near field communication format.

13. The method of claim 1, wherein said compiling is further in response to a match between a decrypted authorization code and a stored authorization code.

14. The method of claim 1, wherein said request includes at least one of an authentication factor, a random number, an authentication tag, a counter, or an encrypted payload.

15. The method of claim 1, wherein a merchant system forms a purchase authorization request comprising information from said purchase request and communicates said authorization request to a third party.

16. The method of claim 1, wherein a merchant system places at least a subset of said purchase request into a cryptogram field in said purchase authorization request.

17. The method of claim 1, wherein a merchant system communicates billing information to at least one of an issuer, a processor, a parent carrier, a phone carrier, or a user.

18. The method of claim 1, wherein said non-traditional device is a cellular phone having a phone number linked to a transaction account number.

19. A verification system for facilitating a purchase transaction using biometric data, said system configured to:

receive a request, wherein said request comprises a personal identification number (PIN) from a user and transaction data associated with said user;

process said request at said verification system;

receive a transmission from a non-traditional device, wherein said transmission comprises said PIN and an audio pass phrase spoken by said user;

compare said audio pass phrase to a voiceprint template corresponding to said PIN;

send an encrypted authorization code in response to a correspondence between said audio pass phrase and said voiceprint template; and

,

compile a purchase request in response to said correspondence between said audio pass phrase and said voiceprint template, wherein said purchase request comprises charge account information from said transaction data.

20. A computer readable medium having stored thereon a plurality of instructions, the plurality of instruction comprising:

instructions to receive a request, wherein said request comprises a personal identification number (PIN) from a user and transaction data associated with said user;

instructions to process said request at said verification system;

instructions to receive a transmission from a non-traditional device, wherein said transmission comprises said PIN and an audio pass phrase spoken by said user;

instructions to compare said audio pass phrase to a voiceprint template corresponding to said PIN;

instructions to send an encrypted authorization code in response to a correspondence between said audio pass phrase and said voiceprint template; and

,

instructions to compile a purchase request in response to said correspondence between said audio pass phrase and said voiceprint template, wherein said purchase request comprises charge account information from said transaction data.