Patent SG-11201900749W-A (SG)
Title: System and methods for authenticating a user using biometric data
Inventor: KOHLI MANONEET
IPC: G06Q20/40
Filed: 2017-08-07
Abstract: FIG120 1221 CARDHOLDER TRANSACTION BEGINS AUTHENTICATION TRANSACTION SUBMITTED TRANSACTION SUBMITTED 132 CARDHOLDER ACCOUNT W O 20 18/0635 03 Al MERCHANT PAYMENT MERCHANT PAYMENT CARDHOLDER PAYMENT (12) INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property Organization International Bureau (43) International Publication Date 05 April 2018 (05.04.2018) WIP0 I PCT omit VIII °nolo III ion VIII 100 01110111111 oimIE (10) International Publication Number WO 2018/063503 Al (51) International Patent Classification: G06Q 20/32 (2012.01) G06Q 20/40 (2012.01) (21) International Application Number: PCT/US2017/045708 (22) International Filing Date: 07 August 2017 (07.08.2017) (25) Filing Language: English (26) Publication Language: English (30) Priority Data: 15/277,307 27 September 2016 (27.09.2016) US (71) Applicant: MASTERCARD INTERNATIONAL IN- CORPORATED [US/US]; 2000 Purchase Street, Pur- chase, NY 10577 (US). (72) Inventor: KOHLI, Manoneet; 11 Lake Street, Apt. 4A, White Plains, NY 10603 (US). (74) Agent: DOBBYN, Colm, J.; Mastercard International In- corporated, 2000 Purchase Street, Purchase, NY 10577 (US). (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3)) = (54) Title: SYSTEM AND METHODS FOR AUTHENTICATING A USER USING BIOMETRIC DATA (57) : A computer-based method for authenticating a user using biomet- ric data is provided. The method is implemented using a biometric validation server in communication with a memory. The method includes storing, at the bio- metric validation server, a plurality of biometric identifiers, and receiving, from a requestor, an authentication request message for a payment transaction originat- ing from an originating merchant for a cardholder. The authentication request in- cludes a biometric identifier provided by the cardholder. The method also includes searching, at the biometric validation server, the plurality of biometric identifiers for a match to the received biometric identifier, determining whether to approve or deny the payment card transaction based, at least in part on, on whether or not a match is found, and transmitting the determination.