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

Claim 0:
1. A method 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 method comprising:
activating 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 establishing, 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, determining, with at least one processor, 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, determining, with at least one processor, at least one transaction limitation parameter;
determining, with at least one processor, transaction data corresponding to the payment transaction;
based upon the transaction data, determining, with at least one processor, 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, terminating, with at least one processor, the biometric verification process; and
after terminating the biometric verification process, processing the payment transaction, with at least one processor, based on the verification success by completing the payment transaction with the point-of-sale system.