System and architecture for merchant integration of a biometric payment system

• US 8,589,238 B2
• Filed: 05/31/2006
• Issued: 11/19/2013
• Est. Priority Date: 05/31/2006
• Status: Expired due to Fees

• Current Assignee: Open Invention Network LLC
• Original Assignee: Open Invention Network LLC
• Inventors: Cooper, Brian, Hilmes, Ron
• Primary Examiner(s): SHEIKH, ASFAND M
• Application Number:
  US11/421,451
• Publication Number:
  US 20070288320A1
• Time in Patent Office: 2,729 Days
• Field of Search: None
• US Class Current: 705/18
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition

Abstract

A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding point-of-sale (POS) workstation and an identity provider service. The server may reside at a merchant location and communicate with multiple POS workstations at the merchant location. The server may be configured to receive biometric information from each POS workstation. Each software component may communicate with a biometric sensor in communication with the corresponding POS workstation to receive biometric information. The identity provider service may be configured to communicate with the server, store registered biometric information and compare biometric information received from the server with one or more of the stored registered biometric information. One of the biometric sensor, a POS workstation and the server may convert a biometric image into a biometric template for comparison with the stored registered biometric information.

Claims

1. A system, the system comprising:

a plurality of point of sale workstations equipped with biometric sensors;

a shared central processing server residing at a merchant location and configured to communicate with the plurality of point of sale workstations equipped with biometric sensors wherein the shared central processing server is configured to;

receive biometric information from a point of sale workstation,

transmit the biometric information to an identity provider service,

receive one or more payment account options and payment account information corresponding to each payment account option from the identity service provider,

wherein the payment account information enables payment processing for a transaction,

hold the received payment account information,

forward the one or more payment account options to the point of sale workstation,

receive a payment account option selection from the point of sale workstation,

identify the held payment account information corresponding to the payment account selection, and

forward the identified payment account information to the point of sale workstation, wherein the payment account information enables the merchant to directly communication with a payment processor to process payment for the transaction;

at least one software component, residing at the point of sale workstation, wherein each software component includes code for communicating with a biometric sensor to receive biometric information;

an identity provider service residing at a remote location physically separated from the merchant location and configured to communicate with the shared central processing server,

wherein the identity provider service is further configured to;

store registered biometric information,

store registered payment account information,

store payment account options corresponding to the registered payment account information,

compare biometric information received from the shared central processing server with the stored registered biometric information, and

upon a successful match of biometric information received from the shared central processing server with the stored registration biometric information, transmit the registered payment account options and the registered payment account information associated with the stored registered biometric information to the shared central processing server.

2. The system of claim 1 wherein each software component of each point-of-sale workstation is configured to receive an input from a payment terminal coupled to the point-of-sale workstation, wherein the input received from the payment terminal relates to initiating the payment.

3. The system of claim 2 wherein the payment terminal comprises a personal identification number pad.

4. The system of claim 1 wherein the biometric information received by the shared central processing server from the point-of-sale workstation comprises a fingerprint image.

5. The system of claim 4 wherein the shared central processing server is configured to convert the fingerprint image into a biometric template.

6. The system of claim 1 wherein the biometric information received by the shared central processing server from the point-of-sale workstation comprises a biometric template.

7. The system of claim 1 wherein the biometric information received by the point-of-sale workstation comprises a fingerprint image.

8. The system of claim 6 wherein the point-of-sale workstation is configured to convert the fingerprint image into a biometric template.

9. The system of claim 1 wherein the biometric information received by the point-of-sale workstation comprises a biometric template.

10. The system of claim 1 wherein each point-of-sale workstation comprises an electronic cash register.