Patent ID: 11907950
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A system for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, the system comprising at least one processor programmed or configured to:
activate a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
after activating the NFC device, automatically establish, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
after establishing the NFC link, determine that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
in response to determining that the result comprises the verification success, determine at least one transaction limitation parameter;
determine transaction data corresponding to the payment transaction;
based upon the transaction data, determine whether the at least one transaction limitation parameter has been met;
in response to determining that the at least one transaction limitation parameter has been met, terminate the biometric verification process; and
after terminating the biometric verification process, process the payment transaction based on the verification success by completing the payment transaction with the point-of-sale system.