Patent ID: 11961080
Assignee: JPMORGAN CHASE BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 8:
9. A system for authenticating a use of a payment card by using biometric information associated with an authorized user, the system comprising:
a mobile device;
the payment card storing the account information of the authorized user comprising:
a display screen configured to display the account information of the authorized user when the use of the payment card is authenticated; and
a sensor;

a computing device comprising:
a processor;
a memory; and
a communication interface coupled to each of the processor and the memory;
wherein the processor is configured to:
receive, via the communication interface, a first request for a first proposed transaction from the payment card;
receive, via the communication interface, a second request for a second proposed transaction from the payment card;

wherein the payment card is configured to:
transmit, to the processor, the first request for the first proposed transaction, wherein no account information of the authorized user is displayed on the display screen of the payment card prior to receiving the authentication of the use of the payment card;
capture, via the sensor, a first biometric information of a first user for the first request
transmit, to the processor, the captured first biometric information of the first user;
transmit, to the processor, the second request for the second proposed transaction;
capture, via the sensor, a second biometric information of a second user for the second request;
transmit, to the processor, the captured second biometric information of the second user;

wherein the processor is further configured to:
determine whether the captured first biometric information of the first user matches the biometric information of the authorized user stored in a database by comparing the captured biometric information of the first user with the stored biometric information of the authorized user;
based on determining that the captured first biometric information matches the stored biometric information of the authorized user, authenticate a first use of the payment card for the first proposed transaction by authorizing the first request for the first proposed transaction, wherein the authenticating the first use of the payment card further comprises causing the payment card to display the account information of the authorized user on the display screen of the payment card;
comparing, by the at least one processor, first account data stored on the mobile smart phone with the account information that relates to the payment card, wherein the comparing the first account data further comprises validating the first account data;
based on determining that the captured second biometric information of the second user does not match the stored biometric information of the authorized user, deny the second request for the second proposed transaction and send information associated with the denied second request, wherein the denying the second request further comprises causing the payment card not to display the account information of the authorized user on the display screen of the payment card;

wherein the payment card is further configured to:
receive the authentication of the first use for the first proposed transaction, wherein receiving the authentication of the first use for the first proposed transaction further comprises displaying, on the display screen, the account information of the authorized user for a predetermined time interval; and
receive the information associated with the denied second request for the second proposed transaction, wherein the receiving information associated with the denied second request for the second proposed transaction further comprises displaying no account information of the authorized user on the display screen of the payment card.