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Biometric payment technology

  • US 9,519,901 B1
  • Filed: 12/30/2015
  • Issued: 12/13/2016
  • Est. Priority Date: 09/16/2015
  • Status: Active Grant
First Claim
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1. A method for processing a payment transaction between a merchant and a customer, the method comprising:

  • obtaining, by a biometric sensor associated with a point-of-sale (POS) terminal, a biometric characteristic of the customer;

    generating, by a signature component of the biometric sensor, a digital signature of the biometric characteristic;

    generating, by the POS terminal, a payment request including the digital signature and a money transfer amount corresponding to the payment transaction;

    detecting, by a sensor associated with the POS terminal, a proximate computing device associated with the customer in proximity to a current geographical location of the POS terminal based at least in part on an identifier associated with the proximate computing device;

    establishing, by the POS terminal, a communication link with the proximate computing device;

    sending, by the POS terminal, the payment request to the proximate computing device communicatively coupled to the POS terminal;

    determining, by a comparator of the proximate computing device, a match between the digital signature and a registered biometric instrument stored in a database;

    determining, by the proximate computing device and from the registered biometric instrument, an identity of the customer associated with the registered biometric instrument in response to determining the match;

    identifying, by the proximate computing device, a customer financial account associated with the identified customer, based on a stored association between the customer financial account and the identified customer; and

    generating, by the proximate computing device, a payment transfer request based on the customer financial account, the payment transfer request including the money transfer amount; and

    sending, by the proximate computing device, the payment transfer request to a payment processing system.

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