The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 20, 2024
Filed:
Mar. 28, 2022
Mastercard International Incorporated, Purchase, NY (US);
David Goldschmidt, Aventura, FL (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
Systems and methods are provided for authenticating users in connection with transactions. One example computer-implemented method includes, in response to presentment of a payment device in connection with a transaction, identifying, by a point-of-sale (POS) device, the payment device as enabled for facial authentication and retrieving, from the payment device, a reference image. The method also includes capturing, by the POS computing device, via a camera, a facial image of the user presenting the payment device and authenticating the user based on a comparison of the captured facial image of the user to the reference image. The method then includes, in response to successfully authenticating the user: compiling an authorization request for the transaction, appending an authentication indicator to a data element of the authorization request, which indicates that the user was biometrically authenticated, and submitting the authorization request to a payment network.