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.

Date of Patent:
May. 20, 2025

Filed:

Oct. 08, 2019
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventors:

Yuexi Chen, Foster City, CA (US);

Nicholas Vondrak, San Carlos, CA (US);

Erik Friend, Mountain View, CA (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06F 21/32 (2013.01); G06F 21/35 (2013.01); G06F 21/45 (2013.01); G06Q 20/40 (2012.01); G06V 40/16 (2022.01); G07C 9/10 (2020.01); G07C 9/37 (2020.01); G07C 9/38 (2020.01); H04L 9/08 (2006.01); H04L 9/32 (2006.01); H04L 9/40 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/388 (2013.01); G06F 21/32 (2013.01); G06F 21/35 (2013.01); G06F 21/45 (2013.01); G06Q 20/3829 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/405 (2013.01); G07C 9/10 (2020.01); G07C 9/37 (2020.01); G07C 9/38 (2020.01); H04L 9/088 (2013.01); H04L 9/3231 (2013.01); H04L 63/0861 (2013.01); H04L 63/0884 (2013.01); H04L 63/105 (2013.01); G06V 40/172 (2022.01);
Abstract

Described herein are a system and techniques for conducting transactions upon receiving a biometric sample from a user. In some embodiments, a security device obtains a biometric sample from a user. The security device then provides the biometric sample, or a biometric template derived therefrom, to a service provider, which is able to identify and authenticate the user based on the biometric sample. The service provider then obtains access credential and/or supplemental information for the user and provides it to the security device. The security device is then capable of completing a transaction using the received access credential data. In some embodiments, this may involve generating a cryptogram to be used in the transaction.


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