Method and system for validation of identity of a user during a digital payment process
AssigneeMastercard International Incorporated
InventorSrinath Ravinathan
Life of this patent
Estimating the term…
Abstract
A method for validation of identity of a user during a digital payment process comprises: receiving a user identifier; determining, based on the user identifier, that the user is enrolled for biometric authentication; transmitting, to a mobile device associated with the user identifier, a push notification, said push notification causing an authenticator application executing on the mobile device to initiate a biometric authentication process; receiving a result of said biometric authentication process; and transmitting authentication data, based on said result, to a transaction initiation system to trigger completion of the digital payment process.
Claims20
A method for validation of identity of a user during a digital payment process, comprising:
- receiving a user identifier that identifies a user, the user identifier having been obtained based on an in-store biometric device at an in-store environment of a merchant, the in-store biometric device being used to identify the user based on a first type of biometric identification that identifies the user in-store at the in-store environment;
- identifying, based on the user identifier, a mobile device of the user, the user having been enrolled for biometric authentication at the in-store environment;
- transmitting, to the mobile device, a push notification, the push notification causing an authenticator application executing on the mobile device to initiate a biometric authentication process based on a second type of biometric identification, the second type being different from the first type;
- receiving a result of the biometric authentication process;
- and
- transmitting authentication data, which is based on the result, to a transaction initiation system to trigger completion of the digital payment process.
A system for validation of identity of a user during a digital payment process, comprising at least one processor in communication with computer-readable storage having stored thereon instructions to cause the at least one processor to:
- receive a user identifier that identifies a user, the user identifier having been obtained based on an in-store biometric device at an in-store environment of a merchant, the in-store biometric device being used to identify the user based on a first type of biometric identification that identifies the user in-store at the in-store environment;
- identify, based on the user identifier, a mobile device of the user, the user having been enrolled for biometric authentication at the in-store environment;
- transmit, to the mobile device, a push notification, the push notification causing an authenticator application executing on the mobile device to initiate a biometric authentication process based on a second type of biometric identification, the second type being different from the first type;
- receive a result of the biometric authentication process;
- and
- transmit authentication data, which is based on the result, to a transaction initiation system to trigger completion of the digital payment process.
A non-transitory computer-readable medium having stored thereon instructions that, when executed by a processor, cause the processor to:
- receive a user identifier that identifies a user, the user identifier having been obtained based on an in-store biometric device at an in-store environment of a merchant, the in-store biometric device being used to identify the user based on a first type of biometric identification that identifies the user in-store at the in-store environment;
- identify, based on the user identifier, a mobile device of the user, the user having been enrolled for biometric authentication at the in-store environment;
- transmit, to the mobile device, a push notification, the push notification causing an authenticator application executing on the mobile device to initiate a biometric authentication process based on a second type of biometric identification, the second type being different from the first type;
- receive a result of the biometric authentication process;
- and
- transmit authentication data, which is based on the result, to a transaction initiation system to trigger completion of a digital payment process.
Dependencies are inferred from the claim text.