Patent ID: 11915243
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method comprising:
receiving, by a server computer, a request message comprising a validation identity token precursor, the validation identity token precursor being generated using first identification data comprising biometric information of a user, the first identification data being obtained during a payment transaction;
retrieving, by the server computer, a first validation key, wherein the first validation key is configured to be used to form at least part of a first validation identity token;
including, by the server computer, the first validation key and the validation identity token precursor in the request message;
sending, by the server computer, the request message to one or more remote server computers respectively storing second validation keys configured to be used to form at least part of the first validation identity token, the one or more remote server computers including an authorization computer;
receiving, by the server computer, a response message comprising a plurality of validation keys including the second validation keys and the first validation key; and
sending, by the server computer, the response message to an access device, wherein the user is authenticated by comparing the first validation identity token with a second validation identity token, the first validation identity token being generated using the plurality of validation keys and the validation identity token precursor, the second validation identity token being generated using second authentication data comprising biometric information of the user obtained during an enrollment of the user, and determining that a difference between the first validation identity token and the second validation identity token is within a threshold.