Proof-of-age verification in mobile payments

A mobile device configured to perform an age verification process, comprising:

• a near field communication (NFC) interface configured to receive, from a point-of-sale (POS) terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data;
• at least one sensor configured to capture biometric data from a user, upon receiving the request via the NFC interface;
• a biometric authentication configured to verify, using said biometric data, an identity of the user;
• and
• a digital wallet application executing on the mobile device, wherein the digital wallet application is configured to:
• responsive to said verifying on the mobile device using said biometric data, initiate an age verification request to a digital identity application executing on the mobile device, the age verification request comprising the age requirement data;
• receive, from the digital identity application executing on the mobile device, a response to the age verification request, the response including a count of identity document issuers that have validated an age of the user on the digital identity application;
• retrieve a value of a freshness indicator indicating how long ago the age of the user was last verified by the digital identity application;
• determine that the value of the freshness indicator is less than a threshold;
• based upon the determination, generate a response message including a binary flag for the freshness indicator, the response message comprising the response from the digital identity application to the age verification request;
• and
• transmit, to the POS terminal, the response message, and the payment credential for initiation of a transaction authorization request.

A computer-readable storage device having stored thereon machine-readable instructions which, on execution by a computer, cause the computer to perform operations comprising:

• receiving, from a point-of-sale terminal, a request for a payment credential, the request comprising a data element indicative of age requirement data;
• verifying, using at least one sensor, an identity of a user of a mobile device;
• responsive to said verifying on the mobile device, initiating, by a digital wallet application executing on the mobile device, an age verification request to a digital identity application, the age verification request comprising the age requirement data;
• receiving, from the digital identity application executing on the mobile device, a response to the age verification request, the response including a count of identity document issuers that have validated an age of the user on the digital identity application;
• retrieving a value of a freshness indicator indicating how long ago the age of the user was last verified by the digital identity application;
• determining that the value of the freshness indicator is less than a threshold;
• based upon the determination, generating a response message including a binary flag for the freshness indicator, the response message comprising the response from the digital identity application to the age verification request;
• and
• transmitting, to the point-of-sale terminal, the response message, and the payment credential for initiation of a transaction authorization request.