Systems and methods for non-traditional payment using biometric data

• US 8,655,789 B2
• Filed: 02/06/2009
• Issued: 02/18/2014
• Est. Priority Date: 07/10/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Saunders, Peter D., Bishop, Fred
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US12/367,414
• Publication Number:
  US 20090140839A1
• Time in Patent Office: 1,838 Days
• Field of Search: 705/67
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

Claims

1. A computer implemented method including:

receiving, at a verification system for facilitating a purchase transaction, a request from a point of sale (POS) device, wherein said request comprises a personal identification number (PIN) from a user;

processing said request at said verification system to form a pending transaction record;

receiving, at said verification system, a transmission from a transaction device, wherein said transmission comprises an audio pass phrase spoken by said user and said PIN;

comparing said audio pass phrase to a voiceprint template corresponding to said PIN;

locating, in a pending transaction database, said pending transaction record corresponding to said PIN in response to said audio pass phrase and said voiceprint template matching;

sending details of said purchase transaction to said user for confirmation in response to said audio pass phrase and said voiceprint template matching; and

,

compiling a purchase request, at said verification system, in response to receiving confirmation of said purchase transaction from said user, wherein said purchase request comprises charge account information from said transaction data.

2. The method of claim 1, further comprising transmitting said purchase request to a third party for authorization.

3. The method of claim 1, wherein said transaction device is at least one of a cell phone, a personal digital assistant (PDA), or an electronic handheld device.

4. The method of claim 1, further comprising sending a prompt to recite said audio pass phrase, to said transaction device.

5. The method of claim 1, wherein said request is received from said transaction device.

6. The method of claim 1, wherein said request is received from said POS device.

7. The method of claim 1, wherein said request includes at least one of an authentication factor, a random number, an authentication tag, a counter, or an encrypted payload.

8. The method of claim 1, wherein a merchant system forms a purchase authorization request comprising information from said purchase request and communicates said purchase authorization request to a third party.

9. The method of claim 8, wherein a merchant system places at least a subset of said purchase request into a cryptogram field in said purchase authorization request.

10. The method of claim 1, wherein a merchant system communicates billing information to at least one of an issuer, a processor, a parent carrier, a phone carrier, or said user.

11. The method of claim 1, wherein said transaction device is a cellular phone having a phone number linked to a transaction account number.

14. The method of claim 1, further comprising prompting said user to select a transaction account to use to facilitate said purchase transaction.

15. The method of claim 1, wherein said audio pass phrase is a randomly generated set of numbers or a randomly generated phrase provided by said verification system to said transaction device.

16. The method of claim 2, wherein said third party is an issuer.

12. A verification system for facilitating a purchase transaction, said verification system comprising:

a tangible, non-transitory memory communicating with a processor,

said tangible, non-transitory memory having instructions stored thereon that, in response to execution by said processor, cause said processor to;

receive, at said processor of said verification system, a request from a point of sale (POS) device, wherein said request comprises a personal identification number (PIN) from a user;

process said request at said processor of said verification system to form a pending transaction record;

receive a transmission from a transaction device at an automated response system, wherein said transmission comprises an audio pass phrase spoken by said user and said PIN;

compare, at said processor, said audio pass phrase to a voiceprint template corresponding to said PIN;

locate, in a pending transaction database, said pending transaction record corresponding to said PIN in response to said audio pass phrase and said voiceprint template matching;

send details of said purchase transaction to said user for confirmation in response to said audio pass phrase and said voiceprint template matching; and

,

compile a purchase request in response to receiving confirmation of said purchase transaction from said user, wherein said purchase request comprises charge account information from said transaction data.

13. A tangible, non-transitory computer-readable medium having computer-executable instructions stored thereon that, if executed by a computer-based verification system for facilitating a purchase transaction via a computer network, cause said verification system to perform operations comprising:

receiving, by said verification system, a request from a point of sale (POS) device, wherein said request comprises a personal identification number (PIN) from a user;

processing, by said verification system, said request at said verification system to form a pending transaction record;

receiving, by said verification system, a transmission from a transaction device, wherein said transmission comprises an audio pass phrase spoken by said user and said PIN;

comparing, by said verification system, said audio pass phrase to a voiceprint template corresponding to said PIN;

locating, in a pending transaction database, said pending transaction record corresponding to said PIN in response to said audio pass phrase and said voiceprint template matching;

sending, by said verification system, details of said purchase transaction to said user for confirmation in response to said audio pass phrase and said voiceprint template matching; and

,

compiling, by said verification system, a purchase request in response to receiving confirmation of said purchase transaction from said user, wherein said purchase request comprises charge account information from said transaction data.