SYSTEMS AND METHODS FOR NON-TRADITIONAL PAYMENT USING BIOMETRIC DATA

• US 20070052517A1
• Filed: 10/25/2006
• Published: 03/08/2007
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bishop, Fred, Saunders, Peter
• Granted Patent: US 9,031,880 B2
• Time in Patent Office: Days
• US Class Current: 340/5.200
• 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 for facilitating a purchase transaction using biometric data, said method including:

causing an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;

receiving a prompt to recite a pass phrase;

transmitting said pass phrase to said verification system;

receiving an authorization when said pass phrase and a voiceprint template match;

activating a non-traditional device when said authorization is received;

forming a transaction request at said non-traditional device; and

,

communicating said transaction request from said non-traditional device to a reader to facilitate a purchase.

2. The method of claim 1, wherein said step of forming a transaction request further comprises forming said transaction request comprising at least one of transaction information, a random number, an authentication tag, a counter, and an encrypted payload.

3. The method of claim 1, wherein said step of forming a transaction request at said non-traditional device comprises forming said transaction request at at least one of a cell phone, a PDA, a RFID tag and an electronic handheld device.

4. The method of claim 1, wherein said step of forming a transaction request further comprises communicating an authentication factor.

5. The method of claim 1, wherein said step of forming a transaction request further comprises forming said transaction request at said non-traditional device, wherein said non-traditional device is configured with an RF protocol.

6. The method of claim 1, wherein said step of forming a transaction request comprises forming said transaction request in at least one of ISO 14443 format and Near Field Communication format.

7. The method of claim 1, further comprising the steps of:

receiving, at a merchant system, a transaction request from said non-traditional device;

forming, at said merchant system, a purchase authorization request comprising information from said transaction request; and

communicating, from said merchant system, said authorization request to a third party.

8. The method of claim 7, wherein said step of receiving a transaction request comprises placing at least a subset of said transaction request into a cryptogram field in said purchase authorization request.

9. The method of claim 7, further comprising causing said merchant system to receive an authorization from said third party.

10. The method of claim 9, further comprising causing said merchant system to submit said authorization to an issuer to facilitate processing said transaction request.

11. The method of claim 7, further comprising causing said merchant system to communicate billing information to at least one of an issuer, a processor, a parent carrier, a phone carrier, and a user.

12. The system of claim 1, wherein said non-traditional payment device is a cellular phone.

15. A computer readable storage medium containing a set of instructions for a general purpose computer for facilitating a purchase transaction using biometric data, said instructions including:

causing an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;

receiving a prompt to recite a pass phrase;

transmitting said pass phrase to said verification system;

receiving an authorization when said pass phrase and a voiceprint template match;

activating a non-traditional device when said authorization is received;

forming a transaction request at said non-traditional device; and

,

communicating said transaction request from said non-traditional device to a reader to facilitate a purchase.

16. A non-traditional device comprising:

a communication device configured to;

receive a pass phrase cause an activation request to be sent to a verification system, wherein said activation request includes an identifier of a user;

receive a prompt to recite a pass phrase;

transmit said pass phrase to said verification system;

receive an authorization when said pass phrase and a voiceprint template match; and

,

activate said RF device when said authorization is received an RF device in communication with said communication device, said RF device configured to;

form a transaction request; and

,

communicate said transaction request to a reader to facilitate a purchase.

17. A computer implemented method for facilitating a purchase transaction using biometric data, said method including:

receiving, at a verification system, a request from a merchant point of sale, wherein said request comprises a personal identification number (PIN) and transaction data, wherein said PIN was received from a user;

processing said request at said verification system;

receiving, at said verification system, a transmission from a non-traditional device, wherein said transmission comprises said PIN and a pass phrase;

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

,

compiling a purchase request when said pass phrase and said voiceprint template match, wherein said purchase request comprises charge account information from said transaction data.

13. The system of claim 17, wherein a phone number of said cellular phone is linked to a transaction account number.

14. The system of claim 17, wherein said non-traditional device is a cellular telephone in direct communication with at least one of an acquirer, issuer, and payment processor.

18. The method of claim 17, wherein said purchase request further comprises a merchant POS identifier.

19. The method of claim 18, further comprising the steps of:

transmitting said purchase request to a third party for authorization; and

,

issuing said authorization to said POS system according to said merchant POS identifier.

20. The method of claim 17, wherein said non-traditional device is at least one of a cell phone, a personal digital assistant (PDA), and an electronic handheld device