Patent ID: 11961079
Assignee: MASTERCARD ASIA/PACIFIC PTE. LTD.
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G

Claim 8:
9. A mobile device configured to perform an age verification process, comprising:
a near field communication (NFC) interface configured to receive, from a point-of-sale (POS) terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data;
at least one sensor configured to capture biometric data from a user, upon receiving the request via the NFC interface;
a biometric authentication configured to verify, using said biometric data, an identity of the user; and
a digital wallet application executing on the mobile device, wherein the digital wallet application is configured to:
responsive to said verifying on the mobile device using said biometric data, initiate an age verification request to a digital identity application executing on the mobile device, the age verification request comprising the age requirement data;
receive, from the digital identity application executing on the mobile device, a response to the age verification request, the response including a count of identity document issuers that have validated an age of the user on the digital identity application;
retrieve a value of a freshness indicator indicating how long ago the age of the user was last verified by the digital identity application;
determine that the value of the freshness indicator is less than a threshold;
based upon the determination, generate a response message including a binary flag for the freshness indicator, the response message comprising the response from the digital identity application to the age verification request; and
transmit, to the POS terminal, the response message, and the payment credential for initiation of a transaction authorization request.