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

Claim 13:
14. A system comprising:
an authorization computer; and
a server computer comprising:
a processor; and
a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, for performing a method including:
receiving 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 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 the first validation key and the validation identity token precursor in the request message,
sending 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,
receiving a response message comprising a plurality of validation keys including the second validation keys and the first validation key, and
sending 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,

wherein the authorization computer is included in the one or more remote server computers.