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US 10,650,377 B2Granted
Passive cardholder verification method in mobile device
AssigneeMastercard International Incorporated
InventorsSimon Collins, Ian Maddocks
Life of this patent
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Abstract
In a payment-enabled smartphone, a customer verification method (CVM) may be performed without prompting the user to provide any input. An outcome of the resulting passive CVM process may be an input to a risk based decision process performed by the smartphone, by a point of sale terminal and/or by an issuer of a payment card account accessed via the payment-enabled smartphone. The risk based decision process may determine whether a payment transaction is approved or declined.
Claims20
A mobile device, comprising:
- a processor;
- a memory in communication with the processor;
- and
- at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen, said at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen in communication with the processor;
- the memory storing program instructions, the processor operative with the program instructions to perform functions as follows:
- receiving CVM (cardholder verification method) data from the at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen, said CVM data indicative of at least one characteristic and/or attribute of a user of the mobile device;
- initiating a CVM data evaluation process using the received CVM data as an input, the CVM data evaluation process being initiated, performed and completed without the user being or having been prompted to submit input to the at least one of a microphone, a camera, a gyroscope, an acceleromter and a touchscreen in connection with performance of said CVM data evaluation process;
- and
- providing a result of the CVM data evaluation process, wherein the user's at least one characteristic and/or attribute is indicated by at least one of (a) facial recognition;
- (b) gait analysis;
- (c) gesture analysis;
- (d) voice recognition;
- and (e) heartbeat analysis.
10 more elements
A mobile device, comprising:
- a processor;
- a memory in communication with the processor;
- and
- at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen, said at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen in communication with the processor;
- the memory storing program instructions, the processor operative with the program instructions to perform functions as follows:
- receiving CVM (cardholder verification method) data from the at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen, said CVM data indicative of at least one characteristic and/or attribute of a user of the mobile device;
- initiating a CVM data evaluation process using the received CVM data as an input, the CVM data evaluation process being initiated, performed and completed without the user being or having been prompted to submit input to the at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen in connection with performance of said CVM data evaluation process;
- providing a result of the CVM data evaluation process, wherein the user's at least one characteristic and/or attribute is indicated by at least one of (a) facial recognition;
- (b) gait analysis;
- (c) gesture analysis;
- (d) voice recognition;
- and (e) heartbeat analysis;
- and
- setting a passive CVM flag in response to the result of the CVM data evaluation process;
- wherein:
- the memory stores a first accumulator, the first accumulator for counting up to a number of payment transactions permitted to be performed using the mobile device at a time when the passive CVM flag is set and without requiring entry of a PIN (personal identification number) by the user of the mobile device;
- and
- the memory stores a second accumulator in the mobile device, the second accumulator for counting up to a number of payment transactions permitted to be performed using the mobile device at a time when the passive CVM flag is not set.
15 more elements
A mobile device, comprising:
- a processor;
- a memory in communication with the processor;
- and at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen, said at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen in communication with the processor;
- the memory storing program instructions, the processor operative with the program instructions to perform functions as follows:
- receiving CVM (cardholder verification method) data from the at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen, said CVM data indicative of at least one characteristic and/or attribute of a user of the mobile device;
- initiating a CVM data evaluation process using the received CVM data as an input, the CVM data evaluation process being initiated, performed and completed without the user being or having been prompted to submit input to the at least one of a microphone, a camera, a gyroscope, an accelerometer and a touchscreen in connection with performance of said CVM data evaluation process;
- and
- providing a result of the CVM data evaluation process, wherein the user's at least one characteristic and/or attribute is indicated by at least one of (a) facial recognition;
- (b) gait analysis;
- (c) gesture analysis;
- (d) voice recognition;
- and (e) heartbeat analysis;
- said initiating of the CVM data evaluation process being in response to at least one of:
- (a) the mobile device transitioning from a sleep state to a waking state;
- (b) the user opening a wallet application on the mobile device;
- (c) the user interacting with a payment application on the mobile device;
- and (d) the mobile device detecting that it has been carried into a retail store.
14 more elements
Dependencies are inferred from the claim text.