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

Claim 0:
1. A method for authenticating a use of a payment card by using biometric information associated with an authorized user, the method being implemented by a system comprising a computing device comprising at least one processor, a payment card and a mobile device, the method comprising:
receiving, by the at least one processor, a first request for a first proposed transaction from the payment card, wherein the payment card stores account information of the authorized user, wherein the payment card comprises a sensor, a display screen to display the account information of the authorized user only when the use of the payment card is authenticated;
capturing, by the payment card via the sensor, a first biometric information of a first user for the first request;
transmitting, by the payment card to the at least one processor, the captured first biometric information of the first user;
determining, by the at least one processor, 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 first biometric data of the first user with the stored biometric information of the authorized user;
based on determining that the captured first biometric information of the first user matches the stored biometric information of the authorized user, authenticating, by the at least one processor, 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;
transmitting, by the at least one processor to the payment card, the authentication of the first use of the payment card for the first proposed transaction;
displaying, by the payment card via the display screen, the account information of the authorized user for a predetermined time interval based on the authentication of the first use 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;
receiving, by the at least one processor, a second request for a second proposed transaction from the payment card;
capturing, by the payment card via the sensor, a second biometric data of a second user for the second request;
transmitting, by the payment card to the at least one processor, the captured second biometric data of the second user;
determining, by the at least one processor, that the captured second biometric data of the second user does not match the stored biometric information of the authorized user;
based on determining that the captured second biometric data of the second user does not match the stored biometric information of the authorized user, denying, by the at least one processor, the second request for the second proposed transaction, wherein the denying the second request further comprises causing the account information of the authorized user not to be visible on the display screen of the payment card;
sending, by the at least one processor to the payment card, information associated with the denied second request; and
displaying, by the payment card via the display screen, no account information of the authorized user based on the denied second request.