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US 12,657,268 B2Granted
Systems and methods for executing electronic transactions using biometric data
AssigneeWorldpay, LLC
InventorsNicholas Telford-Reed, Jonathan Vokes
Life of this patent
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Abstract
The invention relates generally to secure data entry devices and methods of using such devices. A secure data entry device is provided that includes an integrated imaging device arranged such that it captures at least one image of a user during a transaction. The at least one image is processed in order to generate a biometric pattern. In one embodiment the at least one image includes a user's face and the processing involves applying a facial recognition algorithm to the at least one image to generate the biometric pattern. In some embodiments the biometric pattern is compared to a trusted biometric pattern in order to determine whether to approve or decline the transaction.
Claims20
A method of executing electronic transactions, the method comprising:
- receiving, by a secure data entry system, a request to execute an electronic transaction;
- capturing, by an imaging device coupled to the secure data entry system, a plurality of images, wherein the plurality of images include target areas of a user initiating the electronic transaction;
- processing, by a processing device of the secure data entry system, the plurality of images to extract additional information associated with the user, wherein the extracted additional information is stored in a database in an anonymized and/or encrypted format;
- assigning, by the processing device of the secure data entry system, a usability score to each image of the plurality of images, wherein an image with a more clearly depicted target area of the user is assigned a higher usability score;
- generating, by the processing device of the secure data entry system, a ranking based on the usability score of each image by comparing a first image of the plurality of images with a second image of the plurality of images;
- selecting, by the processing device of the secure data entry system, at least one image from the plurality of images based, at least in part, on the ranking of the usability score of each image;
- generating, by the processing device of the secure data entry system, a biometric pattern corresponding to the captured target area of the user by processing the at least one selected image, wherein the biometric pattern is generated using a facial recognition algorithm or fingerprint recognition algorithm;
- generating, by the processing device of the secure data entry system, a trusted biometric pattern by averaging a plurality of biometric patterns associated with previous use of a payment instrument of the user, wherein averaging the plurality of biometric patterns include calculating an average of corresponding data points of the plurality of biometric patterns;
- comparing, by the processing device of the secure data entry system, the generated biometric pattern to the trusted biometric pattern;
- and
- executing, by the processing device of the secure data entry system, the electronic transaction based on a result of a comparison between the biometric pattern and the trusted biometric pattern.
8 more elements
A secure data entry system comprising:
- one or more computer readable media storing instructions for executing electronic transactions;
- and
- one or more processors configured to execute the instructions, wherein execution of the instructions by the one or more processors causes the secure data entry system to perform operations comprising:
- receiving, by the secure data entry system, a request to execute an electronic transaction;
- capturing, by an imaging device coupled to the secure data entry system, a plurality of images, wherein the plurality of images include target areas of a user initiating the electronic transaction;
- processing, by a processing device of the secure data entry system, the plurality of images to extract additional information associated with the user, wherein the extracted additional information is stored in a database in an anonymized and/or encrypted format;
- assigning, by the processing device of the secure data entry system, a usability score to each image of the plurality of images, wherein an image with a more clearly depicted target area of the user is assigned a higher usability score;
- generating, by the processing device of the secure data entry system, a ranking based on the usability score of each image by comparing a first image of the plurality of images with a second image of the plurality of images;
- selecting, by the processing device of the secure data entry system, at least one image from the plurality of images based, at least in part, on the ranking of the usability score of each image;
- generating, by the processing device of the secure data entry system, a biometric pattern corresponding to the captured target area of the user by processing the at least one selected image, wherein the biometric pattern is generated using a facial recognition algorithm or fingerprint recognition algorithm;
- generating, by the processing device of the secure data entry system, a trusted biometric pattern by averaging a plurality of biometric patterns associated with previous use of a payment instrument of the user, wherein averaging the plurality of biometric patterns include calculating an average of corresponding data points of the plurality of biometric patterns;
- comparing, by the processing device of the secure data entry system, the generated biometric pattern to the trusted biometric pattern;
- and
- executing, by the processing device of the secure data entry system, the electronic transaction based on a result of a comparison between the biometric pattern and the trusted biometric pattern.
11 more elements
A non-transitory computer-readable medium storing instructions for executing electronic transactions, the instructions, when executed by one or more processors causes a secure data entry system to perform operations comprising:
- receiving, by the secure data entry system, a request to execute an electronic transaction;
- capturing, by an imaging device coupled to the secure data entry system, a plurality of images, wherein the plurality of images include target areas of a user initiating the electronic transaction;
- processing, by a processing device of the secure data entry system, the plurality of images to extract additional information associated with the user, wherein the extracted additional information is stored in a database in an anonymized and/or encrypted format;
- assigning, by the processing device of the secure data entry system, a usability score to each image of the plurality of images, wherein an image with a more clearly depicted target area of the user is assigned a higher usability score;
- generating, by the processing device of the secure data entry system, a ranking based on the usability score of each image by comparing a first image of the plurality of images with a second image of the plurality of images;
- selecting, by the processing device of the secure data entry system, at least one image from the plurality of images based, at least in part, on the ranking of the usability score of each image;
- generating, by the processing device of the secure data entry system, a biometric pattern corresponding to the captured target area of the user by processing the at least one selected image, wherein the biometric pattern is generated using a facial recognition algorithm or fingerprint recognition algorithm;
- generating, by the processing device of the secure data entry system, a trusted biometric pattern by averaging a plurality of biometric patterns associated with previous use of a payment instrument of the user, wherein averaging the plurality of biometric patterns include calculating an average of corresponding data points of the plurality of biometric patterns;
- comparing, by the processing device of the secure data entry system, the generated biometric pattern to the trusted biometric pattern;
- and
- executing, by the processing device of the secure data entry system, the electronic transaction based on a result of a comparison between the biometric pattern and the trusted biometric pattern.
8 more elements
Dependencies are inferred from the claim text.