REMOTE TRANSACTION PROCESSING USING BIOMETRICS
First Claim
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1. A method of processing a transaction among a consumer, a merchant, and a transaction-processing entity, the method comprising:
- receiving, by a server, (i) biometric indicia of the consumer and (ii) purchase data for an item to be purchased;
in response to receipt of the biometric indicia and purchase data, causing lookup of a subscriber record corresponding to the biometric indicia;
upon successful lookup of the corresponding subscriber record, obtaining validation criteria; and
determining whether the validation criteria are satisfied based at least in part on the purchase data, and if so, transmitting an acknowledgment authorizing the transaction.
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Abstract
In various embodiments, transactions among consumers, merchants, and transaction-processing entities are processed and authorized at least in part on the basis of biometric indicia obtained from the consumers.
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Citations
21 Claims
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1. A method of processing a transaction among a consumer, a merchant, and a transaction-processing entity, the method comprising:
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receiving, by a server, (i) biometric indicia of the consumer and (ii) purchase data for an item to be purchased; in response to receipt of the biometric indicia and purchase data, causing lookup of a subscriber record corresponding to the biometric indicia; upon successful lookup of the corresponding subscriber record, obtaining validation criteria; and determining whether the validation criteria are satisfied based at least in part on the purchase data, and if so, transmitting an acknowledgment authorizing the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A system for processing a transaction among a consumer, a merchant and a transaction-processing entity, the system comprising:
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a scanner, in communication with a point-of-sale system, for obtaining biometric indicia of the consumer; a transaction-processing server in communication with the scanner via the point-of-sale system; and at least one database for storing biometric indicia, subscriber records, and validation criteria, wherein the transaction-processing server is configured to (i) receive the biometric indicia and purchase data for an item to be purchased from at least one of the point-of-sale system or the scanner and, in response thereto, cause lookup in the at least one database of (a) a subscriber record corresponding to the biometric indicia and (b) validation criteria, (ii) determine whether the validation criteria are satisfied based at least in part on the purchase data, and (iii) if so, authorize the transaction and transmit an authorization acknowledgment. - View Dependent Claims (17, 18, 19, 20, 21)
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Specification