# US 11,451,394 B2 · Efficient hands free interaction using biometrics

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- Number: US 11,451,394 B2
- Document ID: US11451394B2
- Status: Granted
- Kind: B2
- Application number: 16/637,398
- Filed: 2018-07-27
- Published: 2020-06-11
- Granted: 2022-09-20
- Earliest claimed: 2017-09-15
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Sunpreet Singh Arora; Kim Wagner; John F. Sheets
- Web page: https://patentgrep.com/patent/US11451394B2

## CPC

- H04L 9/3231: {Biological data, e.g. fingerprint, voice or retina (network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861)}
- G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/382: {insuring higher security of transaction}
- G06Q 20/40145: {Biometric identity checks}
- G06V 40/10: Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- H04L 9/008: {involving homomorphic encryption}
- H04L 9/3271: {using challenge-response}
- H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)}
- H04L 67/141: Setup of application sessions (admission control or resource allocation in data switching networks H04L47/70)
- H04W 12/06: Authentication
- G06V 40/53: {Measures to keep reference information secret, e.g. cancellable biometrics}
- H04L 2209/46: Secure multiparty computation, e.g. millionaire problem
- H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash
- H04L 2209/80: Wireless
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Methods and systems for performing demographics filtering based on biometric information are disclosed. An access terminal can capture a biometric instance corresponding to a user, such as a fingerprint scan, iris scan, etc. The access terminal can determine demographics information from the biometric instance, such as the age, biological sex, or ethnicity of the user. The access terminal can compare the demographics information to demographics information stored on a group of mobile devices corresponding to a group of users, in order to identify candidate user mobile devices. Once candidate user mobile devices are identified, the access terminal can perform a biometric match between the biometric instance corresponding to the user and biometric instances stored on the candidate user mobile devices. Once a biometric match and the corresponding mobile device are determined, the access terminal can conduct a further interaction with the mobile device.

## Claims

### Claim 1

A method comprising:
receiving messages, by an access terminal, from a group of mobile devices operated by a group of users;
capturing, by the access terminal, a first biometrics instance from a user of a mobile device within the group of users;
inferring, by the access terminal from the first biometrics instance, demographics information;
determining, by the access terminal, a plurality of candidate user mobile devices from the group of mobile devices using the demographics information;
receiving, from the plurality of candidate user mobile devices, a plurality of biometric match determinations, wherein the plurality of biometric match determinations are based on a comparison of the first biometrics instance with second biometrics instances stored on the candidate user mobile devices;
identifying the mobile device of the user based on a biometric match in the plurality of biometric match determinations; and
performing, by the access terminal, a further interaction with the mobile device,
wherein the messages comprise a group of first demographics information corresponding to the group of users, and wherein the demographics information is second demographics information, and wherein determining the plurality of candidate user mobile devices from the group of mobile devices using the demographics information is performed by comparing the second demographics information to each of a first demographics information in the group of first demographics information.

### Claim 2 (depends on 1)

The method of claim 1, wherein the first biometric instance includes one or more of fingerprint, palm print, palm veins, hand geometry, iris, retina, face, and/or voice.

### Claim 3 (depends on 1)

The method of claim 1, wherein the demographics information includes one or more of age, biological sex, and/or ethnicity.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
transmitting, to the plurality of candidate user mobile devices, the first biometrics instance or a derivative thereof.

### Claim 5 (depends on 1)

The method of claim 1, wherein the further interaction includes obtaining, by the access terminal, sensitive data from the mobile device.

### Claim 6 (depends on 1)

The method of claim 1, wherein the group of mobile devices uses homomorphic encryption, secure multi-party computation, and/or fuzzy extraction processes to perform the biometric match determinations.

### Claim 7

A method comprising:
receiving messages, by an access terminal, from a group of mobile devices operated by a group of users;
capturing, by the access terminal, a first biometrics instance from a user of a mobile device within the group of users;
inferring, by the access terminal from the first biometrics instance, demographics information;
determining, by the access terminal, a plurality of candidate user mobile devices from the group of mobile devices using the demographics information;
receiving, from the plurality of candidate user mobile devices, a plurality of biometric match determinations, wherein the plurality of biometric match determinations are based on a comparison of the first biometrics instance with second biometrics instances stored on the candidate user mobile devices;
identifying the mobile device of the user based on a biometric match in the plurality of biometric match determinations; and
performing, by the access terminal, a further interaction with the mobile device, wherein determining, by the access terminal, the plurality of candidate user mobile devices from the group of mobile devices using the demographics information is performed by transmitting, by the access terminal, to the group of mobile devices, the demographics information, and receiving, by the access terminal, from the group of mobile devices, demographics match determinations, and determining, by the access terminal, the plurality of candidate user mobile devices using matches in the demographics match determinations.

### Claim 8 (depends on 7)

The method of claim 7, wherein the access terminal is a point-of-sale terminal, and wherein the further interaction is a payment transaction.

### Claim 9 (depends on 7)

The method of claim 7, wherein the group of mobile devices uses homomorphic encryption, secure multi-party computation, and/or fuzzy extraction processes to perform the plurality of biometric match determinations.

### Claim 10

An access terminal comprising:
a processor; and
a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code, executable by the processor for performing a method comprising:
receiving messages from a group of mobile devices operated by a group of users;
capturing a first biometrics instance from a user of a mobile device within the group of users;
inferring from the first biometrics instance, demographics information;
determining a plurality of candidate user mobile devices from the group of mobile devices using the demographics information;
receiving, from the plurality of candidate user mobile devices, a plurality of biometric match determinations, wherein the plurality of biometric match determinations are based on a comparison of the first biometric instance with second biometric instances stored on the candidate user mobile devices;
identifying the mobile device of the user based on a biometric match in the plurality of biometric match determinations; and
performing a further interaction with the mobile device,
wherein determining the plurality of candidate user mobile devices from the group of mobile devices using demographics information is performed by transmitting demographics information to the group of mobile devices and receiving demographics match determinations from the group of mobile devices and determining the plurality of candidate user mobile devices using matches in the demographics match determinations.

### Claim 11 (depends on 10)

The access terminal of claim 10, wherein the first biometrics instance includes one or more of fingerprint, palm print, palm veins, hand geometry, iris, retina, face, and/or voice.

### Claim 12 (depends on 10)

The access terminal of claim 10, wherein demographics information includes one or more of age, biological sex, and/or ethnicity.

### Claim 13 (depends on 10)

The access terminal of claim 10, wherein the method further comprises:
transmitting, to the plurality of candidate user mobile devices, the first biometrics instance or a derivative thereof.

### Claim 14 (depends on 10)

The access terminal of claim 10, wherein the further interaction includes obtaining sensitive data from the mobile device.

### Claim 15 (depends on 10)

The access terminal of claim 10, wherein the group of mobile devices uses homomorphic encryption, secure multi-party computation, or fuzzy extraction processes to perform the biometric match determinations.

### Claim 16

An access terminal comprising:
a processor; and
a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code, executable by the processor for performing a method comprising:
receiving messages from a group of mobile devices operated by a group of users;
capturing a first biometrics instance from a user of a mobile device within the group of users:
inferring from the first biometrics instance, demographics information;
determining a plurality of candidate user mobile devices from the group of mobile devices using the demographics information;
receiving, from the plurality of candidate user mobile devices, a plurality of biometric match determinations, wherein the plurality of biometric match determinations are based on a comparison of the first biometric instance with second biometric instances stored on the candidate user mobile devices;
identifying the mobile device of the user based on a biometric match in the plurality of biometric match determinations; and
performing a further interaction with the mobile device, wherein the messages comprise a group of first demographics information corresponding to the group of users, and wherein the demographics information is second demographics information, and wherein determining the plurality of candidate user mobile devices using the demographics information is performed by comparing the second demographics information to each of a first demographics information in the group of first demographics information.

### Claim 17 (depends on 16)

The access terminal of claim 16, wherein the access terminal is a point-of-sale terminal, and wherein the further interaction is a payment transaction.

### Claim 18 (depends on 16)

The access terminal of claim 16, wherein the group of mobile devices uses homomorphic encryption.

### Claim 19

A method comprising:
transmitting, by a mobile device to an access terminal, a message, wherein the access terminal thereafter captures a first biometrics instance from a user of the mobile device, infers demographics information from the first biometrics instance, determines a plurality of candidate user mobile devices from a group of mobile devices using the demographics information;
generating a match determination based on a comparison of the first biometrics instance with a second biometrics instance stored on the mobile device; and
transmitting, by the mobile device, the match determination to the access terminal, wherein the access terminal identifies the mobile device of the user based on a biometric match in the match determination and performs a further interaction with the mobile device,
wherein the message comprises first demographics information corresponding of the user of the mobile device, and wherein the demographics information is second demographics information, and wherein the access terminal receives other first demographics information from a plurality of other mobile devices, wherein a group of first demographics information comprises the first demographics information and the other first demographics information, wherein the access terminal determines the plurality of candidate user mobile devices from the group of mobile devices using the demographics information by comparing the second demographics information to each of a first demographic information in the group of first demographic information.

### Claim 20 (depends on 19)

The method of claim 19, wherein the access terminal is a point-of-sale terminal, and wherein the further interaction is a payment transaction.

### Claim 21 (depends on 19)

The method of claim 19, wherein the mobile device uses homomorphic encryption, secure multi-party computation, and/or a fuzzy extraction process to perform the match determination.

### Claim 22

A method comprising:
transmitting, by a mobile device to an access terminal, a message, wherein the access terminal thereafter captures a first biometrics instance from a user of the mobile device, infers demographics information from the first biometrics instance, determines a plurality of candidate user mobile devices from a group of mobile devices using the demographics information;
generating a match determination based on a comparison of the first biometrics instance with a second biometrics instance stored on the mobile device; and
transmitting, by the mobile device, the match determination to the access terminal, wherein the access terminal identifies the mobile device of the user based on a biometric match in the match determination and performs a further interaction with the mobile device,
wherein determining the plurality of candidate user mobile devices from the group of mobile devices using demographics information is performed by transmitting the demographics information to the group of mobile devices, and wherein the method further comprises:
receiving, by the mobile device, the demographics information from the access terminal;
analyzing, by the mobile device, the demographics information and first demographics information stored on the mobile device;
generating, by the mobile device, a demographics match determination; and
transmitting, by the mobile device, the demographics match determination to the access terminal, wherein the access terminal receives a plurality of other demographics match determinations, wherein a group of demographics match determinations comprises the demographics match determinations and the plurality of other demographics match determinations, and wherein the access terminal determines the plurality of candidate user mobile devices using matches in the group of demographic match determinations.

### Claim 23 (depends on 22)

The method of claim 22, wherein the access terminal is a point-of-sale terminal, and wherein the further interaction is a payment transaction.

### Claim 24 (depends on 22)

The method of claim 22, wherein the mobile device uses homomorphic encryption, secure multi-party computation, and/or a fuzzy extraction process to perform the match determination.