POINT OF TRANSACTION DEVICE WITH MULTI-FACTOR AUTHENTICATION
First Claim
1. A point of transaction device configured for performing multi-factor authentication comprising:
- a user input module configured to receive customer input regarding a transaction;
an identification capture module configured in one mode to capture biometric data and in a second mode an image of an identification document;
a communication module configured to transmit customer input and at least one of the captured biometric data and captured image of identification document to a transaction information server; and
on-device memory comprising Customer ID records, transaction request records and authentication rule records.
2 Assignments
0 Petitions
Accused Products
Abstract
Systems, devices, and methods for multi-factor authentication for transaction processing are provided. A point-of-transaction device captures customer information, biometric data, and images of identification documents and transmits the information to a transaction information server which receives the transaction request, queries one or more storage records to confirm the identity of the customer to the transaction and to determine whether the customer is authorized to engage in the transaction. The point-of-transaction device communicates a transaction identifier code and at least a portion of the transaction request to a transaction authority. The transaction authority transmits a confirmation signal to the point-of-transaction device based on the transaction identifier code and the transaction request.
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Citations
21 Claims
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1. A point of transaction device configured for performing multi-factor authentication comprising:
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a user input module configured to receive customer input regarding a transaction; an identification capture module configured in one mode to capture biometric data and in a second mode an image of an identification document; a communication module configured to transmit customer input and at least one of the captured biometric data and captured image of identification document to a transaction information server; and on-device memory comprising Customer ID records, transaction request records and authentication rule records. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for conducting a transaction comprising:
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transmitting, from a point of transaction device, a request for a transaction to a transaction information server, the request comprising a transaction amount, a customer identifier code, and an identification parameter that is collected from a party to the transaction contemporaneous to the transaction; receiving, from the transaction information server, a transaction identifier code based on an authentication of the identification parameter; transmitting the transaction identifier code and at least a portion of the request for the transaction to a transaction authority separate from the transaction information server; and receiving an approval for the transaction from the transaction authority, the approval based on the transaction identifier code and the request. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17)
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18. A system for conducting a transaction comprising:
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a point of transaction device configured to transmit a request for a transaction, the request comprising a transaction amount, a customer identifier code, and an identification parameter that is collected from a party to the transaction contemporaneous to the transaction; and a transaction information server in communication with the point of transaction device to receive the request, authenticate the identification parameter based on a record associated with the customer identifier code, communicate with a transaction authority to establish a transaction identifier code for the transaction, and transmit the transaction identifier code to the point of transaction device. - View Dependent Claims (19, 20, 21)
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Specification