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US 10,380,662 B2Granted
Pre-verification processing
AssigneeNCR Corporation
InventorsRobert F. Sadler, Peter Leonard Northall, Yehoshua Zvi Licht, Andrew David Monaghan, Lee Edwin Anderson, Matthew Christopher Scott
Life of this patent
Estimating the term…
Abstract
Unique data is obtained from a consumer; the identity data is verified for the consumer based on the unique data. A verification message is provided for at least a portion of a transaction during a transaction after the identity data is verified.
Claims17
A method, comprising:
- obtaining, by executable instructions that execute on a processor from a non-transitory computer-readable storage medium, unique data from a consumer in advance of a transaction with a terminal;
- verifying, by the executable instructions, identity data for the consumer, in advance of the transaction, based on the unique data, wherein verifying further includes generating a token as the verification message, and wherein generating further includes generating the token as one of:
- a Near-Field Communication (NFC) code and a Quick Response (QR) code, and wherein generating further includes embedding in the generated verification message one or more of:
- an indication of a source that was interacted with for matching the unique data to the identity data and a type associated with the identity data;
- providing, by the executable instructions, a verification message for at least a portion of the transaction when the transaction is processed on the terminal and after the identity data is verified;
- and
- using the verification message as an authentication of a requirement needed to complete the transaction with the terminal.
4 more elements
A method, comprising:
- identifying, by executable instructions that execute on a processor from a non-transitory computer-readable storage medium, an item during a transaction associated with additional verification of a consumer;
- notifying, by the executable instructions, an external service of the additional verification;
- requesting, by the executable instructions, unique data from the consumer in response to a type of data communicated by the external service and receiving the unique data from the consumer, wherein the unique data is automatically obtained on behalf of the consumer and the consumer established the unique data in advance of the transaction;
- providing, by the executable instructions, the unique data to the external service;
- and
- continuing, by the executable instructions, with the transaction after receiving a verification message from the external service indicating that the additional verification has been verified by the external service and using the verification message as an authentication of a requirement needed during the transaction.
3 more elements
A Self-Service Terminal (SST), comprising:
- a hardware processor;
- and
- a non-transitory computer-readable storage medium having executable instructions;
- the executable instructions when executed by the hardware processor from the non-transitory computer-readable storage medium cause the hardware processor to:
- identify an item of a transaction associated with additional verification of a consumer;
- notify an external service of the additional verification;
- request unique data from the consumer in response to instruction from the external service and automatically receive the unique data from the consumer, wherein the consumer established the unique data in advance of the transaction;
- provide the unique data to the external service;
- and
- continue with the transaction in response to a verification message provided by the external service after providing the unique data and use the verification message as an authentication of a requirement needed during the transaction.
7 more elements
Dependencies are inferred from the claim text.