Patent ID: 9728028
Date: 2017-08-08
CPC Classifications: G06Q,G07C,G07F,H04L,Y04S

Claim:
1. A system that authenticates biometric data as part of a transaction authorization, said system comprising: a smart card of a user, the smart card comprising a microprocessor, the smart card storing encrypted biometric data of the user and a convergence identifier associated with the biometric data of the user, the smart card being associated with a financial institution; a communication network comprised of network devices; a central server of the financial institution that stores i) financial information of the user, and ii) the convergence identifier of the user, the central server of the financial institution being connected to the communication network; a remote server of an authentication third party operatively connected to the communication network, the remote server being a computer server that stores a biometric database of the authentication third party, the biometric database of the authentication third party including encrypted data of the biometric data of the user and the convergence identifier associated with the biometric data of the user; and a terminal operatively connected to the communication network, and via the communication network to the remote server of the authentication third party and the central server, the terminal comprising i) a microcontroller and an associated memory storing a computation algorithm, ii) a biometric sensor that reads a biometric data of the user of the smart card, and iii) a smart card reader that reads, from the smart card, the stored encrypted biometric data of the user and the stored convergence identifier associated with the biometric data of the user, wherein, the terminal is programmed to: a) perform a first validation of identity of the user by performing a first correlation between the encrypted biometric data of the user stored on the smart card and the biometric data of the user collected from the biometric sensor, b) based upon the validation of the user's identity, create a first file comprising the convergence identifier and information of a banking institution, and create a second file comprising the convergence identifier and the biometric data read by the biometric sensor wherein the convergence identifier and the biometric data are stored both on the smart card and on the remote server of the authentication third party, c) send a first request to the remote server of the authentication third party for identity validation of the user, the first request including the second file with the convergence identifier and the biometric data, d) send a second request to the central server of the financial institution for authorization to complete a financial transaction for the user, the second request including the first file with the convergence identifier and the information of the banking institution, and f) complete the financial transaction for the user based on the authorization from the central server of the financial institution, wherein the remote server of the authentication third party is programmed to: upon receiving the first request from the terminal, the remote server of the authentication third party, i) perform a second validation using the convergence identifier and the biometric data from the second file to perform a second correlation of the user's identity by performing a correlation between encrypted data of the biometric data of the user stored in the biometric database and encrypted data of the biometric data of the user in the remote server obtained from the second file, the biometric data stored in the database being linked to the convergence identifier, and ii) send an identity validation code to the central server of the financial institution based on the second validation, and wherein the central server of the financial institution is programmed to: upon receiving the identity validation code from the remote server of the authentication third party, the central server of the financial institution i) use the convergence identifier and the information of the banking institution from the first file in making a determination whether to issue the authorization to complete the financial transaction for the user, and ii) sends the authorization to the terminal based on the determination.