Method and system using universal ID and biometrics
First Claim
1. A server computer comprising:
- a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising;
receiving an authorization request message originating from a user, wherein the authorization request message includes financial transaction data, and wherein the authorization request message further includes an authentication request message encoded therein, the authentication request message including a first identifier and a second identifier, the second identifier being a biometric identifier;
determining a third identifier based on the first identifier;
sending the second and third identifiers to an identification (ID) server computer of an identification system to determine if the second and third identifiers have a predetermined correlation; and
receiving confirmation from the identification system that the user is authenticated if the identification system determines that the second and third identifiers have the predetermined correlation.
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0 Petitions
Accused Products
Abstract
A universal ID and biometrics systems and methods are disclosed. A method includes receiving an authentication request message originating from a user. The authentication request message includes a first identifier and a second identifier, where the second identifier includes biometric data. The method further includes determining a third identifier based on the first identifier and sending the second and third identifiers to a first server computer to determine if the second and third identifiers have a predetermined correlation. The method further includes receiving confirmation of user authentication if the identification system determines that the second and third identifiers have the predetermined correlation.
147 Citations
20 Claims
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1. A server computer comprising:
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a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising; receiving an authorization request message originating from a user, wherein the authorization request message includes financial transaction data, and wherein the authorization request message further includes an authentication request message encoded therein, the authentication request message including a first identifier and a second identifier, the second identifier being a biometric identifier; determining a third identifier based on the first identifier; sending the second and third identifiers to an identification (ID) server computer of an identification system to determine if the second and third identifiers have a predetermined correlation; and receiving confirmation from the identification system that the user is authenticated if the identification system determines that the second and third identifiers have the predetermined correlation. - View Dependent Claims (2, 3, 4, 5)
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6. A method comprising:
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receiving an authorization request message originating from a user, the authorization request message including financial data, wherein the authorization request message further includes an authentication request message encoded therein, the authentication request message including a first identifier and a second identifier, the second identifier being a biometric identifier; determining a third identifier based on the first identifier; sending the second and third identifiers to an identification (ID) server computer of an identification system to determine if the second and third identifiers have a predetermined correlation; and receiving confirmation from the identification system that the user is authenticated if the identification system determines that the second and third identifiers have the predetermined correlation. - View Dependent Claims (7, 8, 9, 10)
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11. A server computer comprising:
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a processor and a computer-readable storage medium coupled to the processor, the computer readable storage medium comprising code executable by the processor for implementing a method comprising; storing a first identifier and a first set of biometric data in a database; receiving an authorization request message, wherein an authentication request message is encoded within the authorization request message; extracting the authentication request message from the authorization request message, the authentication request message including a second identifier and a second set of biometric data; determining whether the second identifier and second set of biometric data matches the first identifier and the first set of biometric data according to a predetermined threshold; and generating an authentication response message indicating whether the first and second identifiers and the first and second set of biometric data match according to the predetermined threshold. - View Dependent Claims (12, 13, 14, 15)
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16. A method comprising:
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storing a first identifier and a first set of biometric data in a database; receiving an authorization request message, wherein an authentication request message is encoded within the authorization request message; extracting the authentication request message from the authorization request message, the authentication request message including a second identifier and a second set of biometric data; determining whether the second identifier and second set of biometric data matches the first identifier and the first set of biometric data according to a predetermined threshold; and generating an authentication response message indicating whether the first and second identifiers and the first and second set of biometric data match according to the predetermined threshold. - View Dependent Claims (17, 18, 19, 20)
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Specification