# US 11,907,950 B2 · System and method for biometric fallback authentication

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- Number: US 11,907,950 B2
- Document ID: US11907950B2
- Status: Granted
- Kind: B2
- Application number: 18/107,631
- Filed: 2023-02-09
- Published: 2023-06-22
- Granted: 2024-02-20
- Earliest claimed: 2018-01-30
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Yuexi Chen
- Web page: https://patentgrep.com/patent/US11907950B2

## CPC

- G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/405: {Establishing or using transaction specific rules}
- 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

## Abstract

A method for validating user credentials in a transaction initiated with a portable payment device associated with a biometric verification process including establishing a communication protocol between the portable payment device and the point-of-sale system, determining at least one result corresponding to a verification requirement of the biometric verification process, in response to determining an absence result or a failure result of the verification requirement of the biometric verification process, determining an alternate verification process associated with the portable payment device, determining a verification requirement of the alternate verification process, and transmitting the verification requirement of the alternate verification process to the point-of-sale system. A system and computer program product for validating user credentials in a transaction are also disclosed.

## Claims

### Claim 1

A method for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, the method comprising:
activating a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
after activating the NFC device, automatically establishing, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
after establishing the NFC link, determining, with at least one processor, that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
in response to determining that the result comprises the verification success, determining, with at least one processor, at least one transaction limitation parameter;
determining, with at least one processor, transaction data corresponding to the payment transaction;
based upon the transaction data, determining, with at least one processor, whether the at least one transaction limitation parameter has been met;
in response to determining that the at least one transaction limitation parameter has been met, terminating, with at least one processor, the biometric verification process; and
after terminating the biometric verification process, processing the payment transaction, with at least one processor, based on the verification success by completing the payment transaction with the point-of-sale system.

### Claim 2 (depends on 1)

The method of claim 1, wherein the at least one transaction limitation parameter comprises at least one of the following: a maximum transaction amount, a transaction count, a cumulative transaction amount, a specified merchant limitation, a merchant category limitation, or any combination thereof.

### Claim 3 (depends on 1)

The method of claim 1, further comprising: in response to determining that the at least one transaction limitation parameter has not been met:
automatically transmitting a transaction message to the point-of-sale system via the NFC link indicating that no cardholder verification method is required to perform the payment transaction; and
completing processing of the payment transaction without executing a cardholder verification method.

### Claim 4 (depends on 3)

The method of claim 3, wherein the transaction message is digitally signed by the portable payment device with a digital signature, and wherein the digital signature is verified by the point-of-sale system.

### Claim 5 (depends on 1)

The method of claim 1, wherein the biometric verification process comprises at least one verification requirement comprising at least one of the following: facial recognition, retina recognition, fingerprint recognition, voice recognition, or any combination thereof.

### Claim 6 (depends on 1)

The method of claim 1, wherein the portable payment device comprises a biometric sensor, and wherein the user co-acts with the biometric sensor during the biometric verification process to submit the biometric input.

### Claim 7 (depends on 6)

The method of claim 6, wherein the portable payment device comprises a credit card or a debit card, and wherein the biometric sensor is arranged on the credit card or the debit card.

### Claim 8

A system for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, the system comprising at least one processor programmed or configured to:
activate a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
after activating the NFC device, automatically establish, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
after establishing the NFC link, determine that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
in response to determining that the result comprises the verification success, determine at least one transaction limitation parameter;
determine transaction data corresponding to the payment transaction;
based upon the transaction data, determine whether the at least one transaction limitation parameter has been met;
in response to determining that the at least one transaction limitation parameter has been met, terminate the biometric verification process; and
after terminating the biometric verification process, process the payment transaction based on the verification success by completing the payment transaction with the point-of-sale system.

### Claim 9 (depends on 8)

The system of claim 8, wherein the at least one transaction limitation parameter comprises at least one of the following: a maximum transaction amount, a transaction count, a cumulative transaction amount, a specified merchant limitation, a merchant category limitation, or any combination thereof.

### Claim 10 (depends on 8)

The system of claim 8, wherein in response to determining that the at least one transaction limitation parameter has not been met, the at least one processor is programmed of configured to:
automatically transmit a transaction message to the point-of-sale system via the NFC link indicating that no cardholder verification method is required to perform the transaction; and
complete processing of the payment transaction without executing a cardholder verification method.

### Claim 11 (depends on 10)

The system of claim 10, wherein the transaction message is digitally signed by the portable payment device with a digital signature, and wherein the digital signature is verified by the point-of-sale system.

### Claim 12 (depends on 8)

The system of claim 8, wherein the biometric verification process comprises at least one verification requirement comprising at least one of the following: facial recognition, retina recognition, fingerprint recognition, voice recognition, or any combination thereof.

### Claim 13 (depends on 8)

The system of claim 8, wherein the portable payment device comprises a biometric sensor, and wherein the user co-acts with the biometric sensor during the biometric verification process to submit the biometric input.

### Claim 14

A computer program product for validating user credentials in a payment transaction between a user and a merchant at a point-of-sale system initiated with a portable payment device associated with a biometric verification process, comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:
activate a Near Field Communication (NFC) device independent of determining a result corresponding to a verification requirement of the biometric verification process, wherein the biometric verification process comprises the user submitting a biometric input;
after activating the NFC device, automatically establish, via the NFC device, an NFC link between the portable payment device and the point-of-sale system for conducting the payment transaction;
after establishing the NFC link, determine that the result corresponding to the verification requirement of the biometric verification process comprises a verification success based on the biometric input;
in response to determining that the result comprises the verification success, determine at least one transaction limitation parameter;
determine transaction data corresponding to the payment transaction;
based upon the transaction data, determine whether the at least one transaction limitation parameter has been met;
in response to determining that the at least one transaction limitation parameter has been met, terminate the biometric verification process; and
after terminating the biometric verification process, process the payment transaction based on the verification success by completing the payment transaction with the point-of-sale system.