METHODS AND SYSTEMS FOR BIOMETRIC VERIFICATION

• US 20100161488A1
• Filed: 12/22/2008
• Published: 06/24/2010
• Est. Priority Date: 12/22/2008
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Gopinathan, Jim, Evans, Paul Michael
• Application Number:
  US12/340,990
• Publication Number:
  US 20100161488A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• 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 20/40145 Biometric identity checks
• CPC Class Codes: G07F 7/088 the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data

Abstract

Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for verifying a cardholder during a transaction involving a transaction device and a terminal are provided. Pursuant to some embodiments, the invention includes transmitting biometric rule information from a transaction device to a terminal, the biometric rule information defining a biometric sample to be acquired at the terminal, receiving, from the terminal, a detected biometric sample. The detected biometric sample is compared to a biometric reference template stored in the transaction device, and the cardholder is verified if the detected biometric sample matches the biometric reference template.

Claims

1. A method for operating a reader to verify a cardholder during a transaction, the method comprising:

receiving a biometric information template from said transaction device;

prompting the cardholder to present a required biometric feature for reading by said reader, said required biometric feature determined based on information in said biometric information template;

returning a response to said biometric information template to said transaction device;

receiving a verification response from said transaction device, said verification response including at least one of a success code, a further biometric information template, and a failure code.

2. The method of claim 1, further comprising reading said required biometric feature to create a sample template of biometric data, said response returned to said transaction device further comprising said sample template of biometric data.

3. The method of claim 1, wherein said response returned to said transaction device includes data indicating that no biometric feature was captured by said reader.

4. The method of claim 1, wherein said verification response includes a failure code, the method further comprising:

prompting said cardholder to represent said required biometric feature for reading by said reader;

reading said required biometric feature to create a second sample template of biometric data;

transmitting said second sample template of biometric data to said transaction device; and

receive a second verification response from said transaction device, said second response including at least one of a success code, a further biometric information template, and a failure code.

5. The method of claim 1, wherein said verification response includes both a failure code and a request to repeat said reading said required biometric feature to create a second sample template of biometric data.

6. The method of claim 1, wherein said verification response includes a further biometric information template, the method further comprising:

prompting the cardholder to present an additional required biometric feature for reading by said reader, said additional required biometric feature determined based on information in said further biometric information template;

reading said additional required biometric feature to create a sample template of additional biometric data;

transmitting said sample template of additional biometric data to said transaction device; and

receiving a further verification response from said transaction device, said further verification response including at least one of a success code, a further biometric information template, and a failure code.

7. The method of claim 1, wherein said biometric information template is selected based on a currently active rule in said transaction device.

8. The method of claim 1, wherein said biometric information template includes information specifying a particular biometric feature to be sampled.

9. The method of claim 8, wherein said particular biometric feature to be sampled includes at least one of:

a finger image, a finger pattern, an iris image, a signature image, a vascular image, and a hand image.

10. The method of claim 8, wherein said biometric information template further comprises information specifying an algorithm to be used to create said sample template of biometric data.

11. A method for verifying a cardholder during a transaction involving a transaction device and a terminal, comprising:

transmitting biometric rule information from the transaction device to the terminal, the biometric rule information defining a biometric sample to be acquired at said terminal;

receiving, from said terminal, a detected biometric sample;

comparing said detected biometric sample to a biometric reference template, and

verifying said cardholder if said detected biometric sample matches said biometric reference template.

12. A transaction device, comprising:

a processor;

an input/output device coupled to said processor;

a memory unit in communication with said processor and storing at least a first biometric verification rule, at least a first biometric information template and a program, wherein the processor is operative with said program to;

receive a transaction request from a terminal device;

determine a current biometric verification rule, and based on said current biometric verification rule transmit said at least first biometric information template to said terminal device;

receive a biometric sample template from said terminal device;

compare said biometric sample template with a stored biometric sample; and

determine a verification status based on said comparison.

13. The transaction device of claim 12, wherein said transaction device is a payment card.

14. The transaction device of claim 12, wherein said input/output device communicates with said terminal device, said input/output device including at least one of a plurality of electrical contacts and an antenna, said input/output device communicating with said terminal device.

15. The transaction device of claim 12, wherein the processor is further operative with said program to:

transmit said verification status to said terminal device.

16. The transaction device of claim 12, wherein said verification status is at least one of a success code, a further biometric information template, and a failure code.

17. The transaction device of claim 12, wherein said at least first biometric template includes information specifying a particular biometric feature to be sampled.

18. The transaction device of claim 17, wherein said particular biometric feature to be sampled is at least one of:

a fingerprint, a finger pattern, an iris, a signature, a vascular image, and a handprint.

19. A computer-readable medium storing processor-executable process steps that, when executed by a processor, perform a method, wherein the method comprises:

transmitting biometric rule information from the transaction device to the terminal, the biometric rule information defining a biometric sample to be acquired at said terminal;

receiving, from said terminal, a detected biometric sample;

comparing said detected biometric sample to a biometric reference template stored in said transaction device; and

verifying said cardholder if said detected biometric sample matches said biometric reference template.