SYSTEMS AND METHODS FOR PERFORMING PAYMENT CARD TRANSACTIONS USING A WEARABLE COMPUTING DEVICE

• US 20160042346A1
• Filed: 08/11/2014
• Published: 02/11/2016
• Est. Priority Date: 08/11/2014
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Pastore, Jeremy Michael, Zhao, Michael Lester
• Granted Patent: US 9,818,114 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. The portable computer device includes a processor, a memory, and a camera. The method also includes storing, in the memory, the reference sample of the authorized cardholder and associated payment card information. The method further includes using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera. The method also includes comparing, by the processor, the transaction sample to the reference sample stored in the memory. The method further includes authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison.

Claims

1. A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said method comprising:

registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder, the portable computer device including a processor, a memory, and a camera;

storing, in the memory, the reference sample of the authorized cardholder and associated payment card information;

using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera;

comparing, by the processor, the transaction sample to the reference sample stored in the memory; and

authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison.

2. The method of claim 1, wherein registering the authorized cardholder further comprises using the camera to capture the reference sample of the authorized cardholder.

3. The method of claim 1 further comprising transmitting authentication information and payment card information to a point of sale device of a merchant associated with the payment card transaction.

4. The method of claim 1, wherein the portable computer device receives a prompt from a point of sale device to authenticate the suspect consumer after the suspect consumer initiates the payment card transaction, wherein the portable computer device is configured to respond to the prompt by causing the camera to capture the transaction sample.

5. The method of claim 1, wherein capturing a transaction sample further includes capturing one or more of an iris image and an iris motion of the authorized cardholder.

6. The method of claim 1 further comprising the portable computing device transmitting a message to a point of sale device that the suspect consumer has been authenticated as the authorized cardholder, wherein the point of sale device generates and transmits a transaction authorization request message to an issuing bank associated with the payment card including an indicator that authentication has occurred.

7. A portable computing device for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said portable computing device comprising:

a memory;

a camera; and

a processor communicatively coupled to said memory and said camera, said processor programmed to;

register an authorized cardholder within said portable computer device by receiving a reference sample of the authorized cardholder;

store, in the memory, the reference sample of the authorized cardholder and associated payment card information;

use the camera to capture a transaction sample of a suspect consumer during a payment card transaction;

compare the transaction sample to the reference sample stored in the memory; and

authenticate the suspect consumer as the authorized cardholder based at least in part on the comparison.

8. The computing device of claim 7, wherein said portable computing device is a wearable computing device.

9. The computing device of claim 8, wherein said portable computing device includes a pair of spectacles configured to be worn over the eyes of the suspect consumer.

10. The computing device of claim 8, wherein said camera is coupled to the wearable computing device and oriented approximately toward the iris of the suspect consumer while worn.

11. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:

register an authorized cardholder within said portable computer device by receiving a reference sample of the authorized cardholder, the portable computer device including a processor, a memory, and a camera;

store, in the memory, a reference sample of the authorized cardholder and associated payment card information;

use the camera to capture a transaction sample of a suspect consumer during a payment card transaction using a camera communicatively coupled to the processor;

compare the transaction sample to the reference sample in the memory; and

authenticate the suspect consumer as the authorized cardholder based at least in part on the comparison.

12. The computer-readable storage media of claim 11, wherein the computer-executable instructions further cause the processor to use the camera to capture the reference sample of the authorized cardholder.

13. The computer-readable storage media of claim 11, wherein the computer-executable instructions further cause the processor to transmit authentication information and payment card information to a point of sale device of a merchant associated with the payment card transaction.

14. The computer-readable storage media of claim 11, wherein the portable computer device receives a prompt from a point of sale device to authenticate the suspect consumer after the suspect consumer initiates the payment card transaction, wherein the computer-executable instructions further cause the processor to respond to the prompt by causing the camera to capture the transaction sample.

15. The computer-readable storage media of claim 11, wherein the computer-executable instructions further cause the processor to capture one or more of an iris image and an iris motion of the authorized cardholder.

16. A computing device for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said computing device comprising a processor communicatively coupled to a memory and a portable computing device, said computing device programmed to:

register an authorized cardholder within said computing device by receiving a reference sample of the authorized cardholder from the portable computer device and associating payment card information with the reference sample, the reference sample collected from the authorized cardholder by a camera of the portable computing device;

store, in the memory, the reference sample and the payment card information;

receive an authentication request including a transaction sample of the suspect consumer and transaction payment card information;

compare the transaction sample to the reference sample; and

authenticate the suspect consumer as the authorized cardholder based at least in part on the comparing.

17. The computing device of claim 16, wherein receiving an authentication request further includes receiving an authentication request from a point of sale device, the point of sale device receiving the transaction sample from the portable computing device and transmitting the transaction sample to the computer device.

18. The computing device of claim 16, wherein receiving a reference sample and payment card information further includes receiving a reference sample and payment card information from a wearable computing device, the reference sample including iris biometric data of the authorized cardholder.

19. The computing device of claim 16, wherein receiving an authentication request further includes receiving an authentication request from the portable computing device.

20. The computing device of claim 16, wherein said computing device is further programmed to comprising transmitting authorization information to the portable computing device for communicating to a point of sale terminal.