BIOMETRIC ELECTRONIC PAYMENT TERMINAL AND TRANSACTION METHOD

• US 20100030696A1
• Filed: 08/17/2007
• Published: 02/04/2010
• Est. Priority Date: 08/22/2006
• Status: Abandoned Application

• Current Assignee: Ingenico (Ingenico Group SA)
• Original Assignee: Ingenico (Ingenico Group SA)
• Inventors: Naccache, David
• Application Number:
  US12/438,539
• Publication Number:
  US 20100030696A1
• Time in Patent Office: Days
• US Class Current: 705/71
• CPC Class Codes: G06F 21/305 by remotely controlling device operation
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 2221/2101 Auditing as a secondary aspect
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

Abstract

An electronic payment terminal includes a device for acquiring biometric data and a program capable of: acquiring biometric data during a transaction by a biometric data acquisition device; and storing the biometric data in the payment terminal. A corresponding transaction method is also provided.

Claims

1. An electronic payment terminal comprising:

a biometric data acquisition device,

means for inputting a code by a user, and

a program capable of;

acquiring biometric data during a transaction, by the biometric data acquisition device; and

storing the biometric data in the payment terminal, the electronic payment terminal being capable of validating the transaction irrespectively of the stored biometric data and said program being configured such that, for the user, said biometric data acquisition device validates the inputting of said code.

2. The electronic payment terminal according to claim 1, wherein the program is further capable of:

requesting authorisation to validate the transaction from a central office, and

where appropriate, receiving from the central office authorisation to validate the transaction and of validating the transaction.

3. The electronic payment terminal according to claim 1, wherein the program is further capable of:

storing the biometric data in the terminal permanently or for a predetermined time period,

providing the stored biometric data, if need be, for the predetermined time period, and under a condition that certain security conditions are satisfied.

4. The electronic payment terminal according to claim 2, wherein the program is further capable of:

supplying the biometric data to the central office prior to or simultaneous with the request for authorisation to validate the transaction.

5. The electronic payment terminal according to claim 1, wherein the program is further capable of establishing a comparison between the biometric data and standard data.

6. The electronic payment terminal according to claim 5, wherein the program is further capable of:

establishing a comparison between the biometric data and reference biometric data and/or the comparison between the biometric data and the standard data via pattern recognition.

8. The electronic payment terminal according to claim 1, wherein the biometric data acquisition device is selected from the group comprising photographic cameras enabling capture of stationary or moving images, fingerprint sensors and iris recognition sensors.

9. The electronic payment terminal according to claim 1, wherein the program is further capable of encrypting biometric data within the terminal, using a public key probabilistic encryption algorithm, and a public key belonging to one of the following entities:

a bank;

an owner of a card used to access the means of inputting;

a trusted third party;

or

a manufacturer of the terminal.

7. (canceled)

10. A transaction method comprising:

acquisition by an electronic payment terminal of biometric data, during a transaction;

storage of the biometric data in the payment terminal; and

validation of the transaction irrespectively of the stored biometric data.

11. The transaction method according to claim 10, and further comprising implementing the method with an electronic payment terminal comprising:

a biometric data acquisition device,

a device for inputting a code by a user, and

a program capable of;

acquiring the biometric data during the transaction, by the biometric data acquisition device; and

storing the biometric data in the payment terminal, the electronic payment terminal being capable of validating the transaction irrespectively of the stored biometric data and said program being configured such that, for the user, said biometric data acquisition device validates the inputting of said code.