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US 11,777,930 B2Granted
Transaction authentication
AssigneeNCR Corporation
InventorsBruce McBain, Charlie Harrow, Husameldin M Ali Ibrahim
Life of this patent
Estimating the term…
Abstract
A biometric token is generated for a user and provided to a user-operated device. A pre-staged transaction is defined by a user and the user supplies the token for association with the pre-staged transaction. Subsequently, a user visits a transaction terminal and a new candidate token is generated from biometric attributes of the user. The candidate token is matched to the token associated with pre-staged transaction to authenticate the user and the pre-staged transaction is processed at the transaction terminal as a completed transaction.
Claims18
A method, comprising:
- associating a token with a pre-staged transaction defined by a user, wherein associating further includes obtaining biometric measurements from the user, wherein a biometric type corresponds to the biometric measurements, and hashing the biometric measurements to obtain a value that links to a transaction identifier assigned to the pre-staged transaction;
- providing the transaction identifier and the token to the user;
- identifying the user at a terminal;
- providing the transaction identifier for the pre-staged transaction and the token to the terminal;
- and
- instructing the terminal to capture biometric features of the user at the terminal, calculate current biometric measurements from the biometric features based on the token type, calculate a current value by hashing the current biometric measurements, compare the current value against the value associated with the token, authenticate the user for the pre-staged transaction based on comparison of the current value against the value, and process the pre-staged transaction on behalf of the user when the current value comports with the value of the token.
3 more elements
A method, comprising:
- authenticating, by a terminal, a user to a user account for a transaction;
- receiving, by the terminal, a pre-staged transaction identifier for a pre-staged transaction that is associated with the user account and a biometric token associated with the pre-staged transaction, wherein the biometric token comprises a biometric type and a value representing a hash of biometric measurements for biometric features of the user;
- capturing, by the terminal, candidate biometric features of the user based on the biometric type associated with to the biometric token;
- generating, by the terminal, a candidate biometric token based on the candidate biometric features by calculating candidate biometric measurements from the candidate biometric features and calculating a candidate hash from the candidate biometric measurements;
- and
- processing, by the terminal, the pre-staged transaction as the transaction when the candidate hash comports with the hash associated with the biometric token.
3 more elements
A system, comprising:
- a server that comprises a processor and non-transitory memory;
- the non-transitory memory comprises instructions;
- and
- the processor executes the instructions from the non-transitory memory causing the processor to perform operations comprising:
- obtaining biometric features from a user to associate with a pre-staged transaction of the user and an account of the user based on a selection of the user of a biometric type from a plurality of biometric types presented to the user;
- taking measurements from the biometric features;
- generating a biometric token based on the measurements by hashing the measurements to a value and associating the value and the biometric type selected by the user;
- receiving a notification that the user is at a terminal and has authenticated to the account of the user;
- sending the biometric token and pre-staged transaction details associated with the pre-staged transaction to the terminal;
- and
- instructing the terminal to capture candidate biometric features of the user based on the biometric type associated with the biometric token, to generate a candidate biometric token based on hashing candidate biometric measurements for the candidate biometric features to a candidate value, and to authenticate that the candidate value comports with the value of the biometric token and when the candidate value does comport with the value of the biometric token to process the pre-staged transaction details for the user at the terminal.
8 more elements
Dependencies are inferred from the claim text.