LIMITED USE TOKENS GRANTING PERMISSION FOR BIOMETRIC IDENTITY VERIFICATION
First Claim
1. A system, comprising:
- a mobile computing device associated with a customer;
a point of sale computing device associated with a merchant; and
an identity verification computing device,wherein the point of sale computing device is configured to;
receive a customer identification from the mobile computing device identifying the customer,receive a biometric verification token from the mobile computing device, andsample biometric information from the customer; and
wherein the identity verification computing device is configured to;
receive a request from the point of sale computing device to evaluate the biometric information from the customer,receive the biometric verification token from the point of sale computing device,authenticate the biometric verification token as originating from the mobile computing device,evaluate the biometric information for substantially corresponding to the customer identification in response to affirmatively authenticating the biometric verification token, andtransmit a result of the evaluation to the point of sale computing device.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods are described herein for granting permission for biometric identity verification by a third-party using a limited-use token. A merchant point of sale (“POS”) system may receive transaction payment information from a mobile device associated with a customer. The customer may consent to biometric verification allowing the mobile device to provide customer identification information and a biometric verification token to the POS system. The POS system can collect a sample of biometric information from the customer. The biometric verification token may be transmitted to an identity verification service to be authenticated as originating from the mobile device of the customer. Upon successful authentication of the biometric verification token by the identity verification service, the service may evaluate the biometric information collected from the customer as corresponding to the customer identification or not.
79 Citations
21 Claims
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1. A system, comprising:
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a mobile computing device associated with a customer; a point of sale computing device associated with a merchant; and an identity verification computing device, wherein the point of sale computing device is configured to; receive a customer identification from the mobile computing device identifying the customer, receive a biometric verification token from the mobile computing device, and sample biometric information from the customer; and wherein the identity verification computing device is configured to; receive a request from the point of sale computing device to evaluate the biometric information from the customer, receive the biometric verification token from the point of sale computing device, authenticate the biometric verification token as originating from the mobile computing device, evaluate the biometric information for substantially corresponding to the customer identification in response to affirmatively authenticating the biometric verification token, and transmit a result of the evaluation to the point of sale computing device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer-implemented method for validating customer identity with biometric information, comprising:
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receiving, at an identity verification computing device, a customer identification provided to a transaction computing device by a mobile computing device associated with a customer; receiving, at the identity verification computing device, a biometric verification token provided to the transaction computing device by the mobile computing device; receiving, at the identity verification computing device, a sample of biometric information provided to the transaction computing device by the customer; authenticating, by the identity verification computing device, the biometric verification token as originating from the mobile computing device; evaluating, at the identity verification computing device, whether the biometric information substantially corresponds to the customer identification in response to affirmatively authenticating the biometric verification token; and transmitting, from the identity verification computing device, a result of the evaluation to the transaction computing device. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer program product, comprising:
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a non-transitory computer-readable medium having computer-readable program code embodied therein that, when executed by one or more computing devices, perform a method comprising; receiving transaction payment information from a mobile computing device associated with a customer; receiving a customer identification associated with the customer from the mobile computing device; receiving a biometric verification token from the mobile computing device; collecting a sample of biometric information from the customer; transmitting the biometric verification token to an identity verification service to be authenticated as originating from the mobile computing device; transmitting the biometric information to the identity verification service for evaluation as corresponding to the customer identification, wherein the identity verification service blocks performance of the evaluation in response to a failed authentication of the biometric verification token; receiving a response from the identity verification service indicating a result of authenticating the biometric verification token and of evaluating the biometric information; and completing a transaction associated with the transaction payment information in response to the response from the identity verification service indicating a successful evaluation of the biometric information. - View Dependent Claims (18, 19, 20, 21)
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Specification