Methods and systems for biometric verification
OwnerPaul Michael Evans, Jim Gopinathaninventors
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Abstract
Pursuant to some embodiments, methods, systems, apparatus, computer program code and means for verifying a cardholder during a transaction involving a transaction device and a terminal are provided. Pursuant to some embodiments, the invention includes transmitting biometric rule information from a transaction device to a terminal, the biometric rule information defining a biometric sample to be acquired at the terminal, receiving, from the terminal, a detected biometric sample. The detected biometric sample is compared to a biometric reference template stored in the transaction device, and the cardholder is verified if the detected biometric sample matches the biometric reference template.
Claims19
A method for operating a reader to verify a cardholder during a transaction, the method comprising:
- receiving a biometric information template from said transaction device;
- prompting the cardholder to present a required biometric feature for reading by said reader, said required biometric feature determined based on information in said biometric information template;
- returning a response to said biometric information template to said transaction device;
- receiving a verification response from said transaction device, said verification response including at least one of a success code, a further biometric information template, and a failure code.
A method for verifying a cardholder during a transaction involving a transaction device and a terminal, comprising:
- transmitting biometric rule information from the transaction device to the terminal, the biometric rule information defining a biometric sample to be acquired at said terminal;
- receiving, from said terminal, a detected biometric sample;
- comparing said detected biometric sample to a biometric reference template, and
- verifying said cardholder if said detected biometric sample matches said biometric reference template.
A transaction device, comprising:
- a processor;
- an input/output device coupled to said processor;
- a memory unit in communication with said processor and storing at least a first biometric verification rule, at least a first biometric information template and a program, wherein the processor is operative with said program to:
- receive a transaction request from a terminal device;
- determine a current biometric verification rule, and based on said current biometric verification rule transmit said at least first biometric information template to said terminal device;
- receive a biometric sample template from said terminal device;
- compare said biometric sample template with a stored biometric sample;
- and
- determine a verification status based on said comparison.
A computer-readable medium storing processor-executable process steps that, when executed by a processor, perform a method, wherein the method comprises:
- transmitting biometric rule information from the transaction device to the terminal, the biometric rule information defining a biometric sample to be acquired at said terminal;
- receiving, from said terminal, a detected biometric sample;
- comparing said detected biometric sample to a biometric reference template stored in said transaction device;
- and
- verifying said cardholder if said detected biometric sample matches said biometric reference template.
Dependencies are inferred from the claim text.