Method for performing a contactless payment transaction
OwnerVadim Nikolaevich Aleksandrovinventor
Life of this patent
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Abstract
The present invention relates to the technical field of electronic payment transactions and biometric identification therewithin. In the general aspect, the invention may be directed to a method for performing a contactless payment transaction using a remote access to a user device via a cloud computer server (“hands free” or “touchless” operations) that will ensure achieving the technical result consisting in providing privacy and security when transmitting user's biometric data, in particular an image of a user's face, for the purpose of identifying him/her for performing the payment transaction.
Claims5
A method for performing a contactless payment transaction, by at least one processor, the method comprising:
- determining, by the cloud computer server, a plurality of mobile devices located in close proximity to a payment transaction site in a store, based on a location data of each of the plurality of mobile devices:
- receiving, by the cloud computer server, from each of the plurality of the mobile devices, (i) a first unique data set, said first unique data set being obtained by algorithmic one-way transformation of a biometric data of a user of a respective mobile device by means of a data transformation algorithm, and (ii) a visual avatar data set in association with said first unique data set, said visual avatar data set comprising an image and/or name representing the user of the respective mobile device;
- providing, via a visual interface of a payment terminal located at the payment transaction site, a plurality of visual avatar data sets received from the plurality of mobile devices via the cloud computer server;
- receiving, via the visual interface of the payment terminal, a user selection of a specific visual avatar data set of the plurality of visual avatar data sets, and sending the user selection to the cloud computer server;
- scanning, by the payment terminate, a biometric data of a specific user;
- transforming, by the payment terminal, the scanned biometric data into a second unique data set by means of the data transformation algorithm and sending the second unique data set to the cloud computer server;
- comparing, by the cloud computer server, the first unique data set associated with the specific visual avatar data set corresponding to the user selection and the second unique data set, and when the first unique data set matches the second unique data set, requesting, by the cloud computer server, a payment token or a payment card information from a mobile device, from which the first unique data set associated with the specific visual avatar data set was received;
- and
- sending the payment token or payment card information via the cloud computer server to a payment network, to complete the payment transaction.
Dependencies are inferred from the claim text.