Method, system, and computer program product for authenticating a transaction using biometric data

1 . A computer-implemented method comprising:

storing, on a data storage device comprising a non-volatile memory embedded in a physical payment card, first biometric data associated with a first user corresponding to the payment card issued by an issuer system;

storing, on the data storage device, a biometric inheritance algorithm;

during a payment transaction initiated with the payment card by a second user different from the first user, receiving, with a biometric sensor embedded in the payment card, second biometric data associated with the second user, the second user a biological descendant of the first user, the second biometric data received by the second user engaging with the biometric sensor of the payment card during the payment transaction;

storing, on the data storage device, the second biometric data;

in response to receiving the second biometric data, automatically generating, with an authentication processor embedded in the payment card, a similarity score by executing the biometric inheritance algorithm to compare the first biometric data stored on the data storage device with the second biometric data received by the biometric sensor, the similarity score representing a similarity between the second biometric data and the first biometric data;

in response to the similarity score satisfying at least one threshold, automatically authenticating, with the authentication processor of the payment card, the payment transaction;

transmitting, with a communication device embedded in the payment card, a transaction request message to an electronic payment network to cause the electronic payment network to process the payment transaction, the transaction request message containing payment data associated with the payment card and an indicator that the payment card authenticated the payment transaction;

during a second payment transaction initiated with the payment card by the second user after processing of the payment transaction, receiving, with the biometric sensor, third biometric data associated with the second user, the third biometric data received by the second user engaging with the biometric sensor of the payment card during the second payment transaction;

automatically authenticating, with the authentication processor of the payment card, the third biometric data based on the second biometric data stored on the data storage device; and

transmitting, with the communication device, a second transaction request message to the electronic payment network to cause the electronic payment network to process the second payment transaction, the second transaction request message containing payment data associated with the payment card and a second indicator that the payment card authenticated the second payment transaction.

2 . The computer-implemented method of claim 1 , wherein the first biometric data and/or the second biometric data comprises fingerprint data.

3 . The computer-implemented method of claim 1 , wherein the first biometric data comprises an image of a fingerprint of the first user, wherein the second biometric data comprises an image of a fingerprint of the second user, and wherein executing the biometric inheritance algorithm comprises automatically comparing the images of the fingerprint of the first user and the fingerprint of the second user to generate the similarity score.

4 . The computer-implemented method of claim 1 , wherein the second biometric data is received by the second user placing a finger on the biometric sensor to cause the biometric sensor to collect the second biometric data at a point of sale of the payment transaction.

5 . The computer-implemented method of claim 1 , wherein the payment transaction is automatically processed to completion over a payment network in response to the payment transaction being authenticated.

6 . The computer-implemented method of claim 1 , wherein the first biometric data and/or the second biometric data comprise facial data.

7 . The computer-implemented method of claim 1 , wherein the first biometric data comprises an image of a face of the first user, and the second biometric data comprises an image of a face of the second user, wherein executing the biometric algorithm comprises automatically comparing the images of the face of the first user and the face of the second user to generate the similarity score.

8 . A payment card issued to a first user, the payment card configured to initiate electronic payment transactions and comprising:

a physical card comprising:

a biometric sensor embedded in the card, the biometric sensor configured to collect biometric data from a second user engaging with the biometric sensor during a payment transaction initiated with the payment card by the second user different from the first user, the second user a biological descendant of the first user;

a data storage device comprising a non-volatile memory embedded in the card, the data storage device storing an identifier of the payment card, first biometric data associated with the first user; and a biometric inheritance algorithm configured to compare biometric data;

an authentication processor embedded in the card; and

a communication device embedded in the card, the communication device for initiating an electronic payment transaction with a point of sale device of a merchant system by communicating a message comprising the identifier to the point of sale device,

wherein in response to receiving the second biometric data, the payment card is configured to store the second biometric data on the data storage device and automatically generate, with the authentication processor, a similarity score by executing the biometric inheritance algorithm to compare the first biometric data stored on the data storage device with the second biometric data received by the biometric sensor, the similarity score representing a similarity between the second biometric data and the first biometric data;

wherein in response to the similarity score satisfying at least one threshold, the authentication processor of the payment card is configured to automatically authenticate the payment transaction; and

wherein the payment card is configured to, using the communication device, transmit a transaction request message to the electronic payment network to cause the electronic payment network to process the payment transaction, the transaction request message containing payment data associated with the payment card and an indicator that the payment card authenticated the payment transaction,

wherein during a second payment transaction initiated with the payment card by the second user after processing of the payment transaction the payment card is configured to:

receive, with the biometric sensor, third biometric data associated with the second user, the third biometric data received by the second user engaging with the biometric sensor of the payment card during the second payment transaction;

automatically authenticate, with the authentication processor, the third biometric data based on the second biometric data stored on the data storage device; and

transmit, with the communication device, a second transaction request message to the electronic payment network to cause the electronic payment network to process the second payment transaction, the second transaction request message containing payment data associated with the payment card and a second indicator that the payment card authenticated the second payment transaction.

9 . The payment card of claim 8 , wherein the biometric sensor comprises a fingerprint sensor and/or a face sensor.

10 . The payment card of claim 8 , wherein the biometric algorithm comprises a biometric inheritance algorithm.

11 . The payment card of claim 8 , wherein the first biometric data comprises an image of a fingerprint of the first user, wherein the second biometric data comprises an image of a fingerprint of the second user, and wherein executing the biometric inheritance algorithm comprises automatically comparing the images of the fingerprint of the first user and the fingerprint of the second user to generate the similarity score.

12 . A system comprising a physical payment card comprising a data storage device comprising a non-volatile memory embedded in the payment card, the payment card configured to:

store first biometric data on the data storage device, the first biometric data associated with a first user corresponding to the payment card issued by an issuer system;

store a biometric inheritance algorithm on the data storage device;

during a payment transaction initiated with the payment card by a second user different from the first user, receive, with a biometric sensor of the payment card, second biometric data associated with the second user, the second user a biological descendant of the first user, the second biometric data received by the second user engaging with the biometric sensor of the payment card during the payment transaction;

store the second biometric data on the data storage device;

in response to receiving the second biometric data, automatically generate, with an authentication processor embedded in the card, a similarity score by executing the biometric inheritance algorithm to compare the first biometric data stored on the data storage device with the second biometric data received by the biometric sensor, the similarity score representing a similarity between the second biometric data and the first biometric data;

in response to the similarity score satisfying at least one threshold, automatically authenticate, with the authentication processor, the payment transaction;

transmit a transaction request message to an electronic payment network to cause the electronic payment network to process the payment transaction, the transaction request message containing payment data associated with the payment card and an indicator that the payment card authenticated the payment transaction;

during a second payment transaction initiated with the payment card by the second user after processing of the payment transaction, receive, with the biometric sensor, third biometric data associated with the second user, the third biometric data received by the second user engaging with the biometric sensor of the payment card during the second payment transaction;

automatically authenticate, with the authentication processor, the third biometric data based on the second biometric data stored on the data storage device; and

transmit, with the communication device, a second transaction request message to the electronic payment network to cause the electronic payment network to process the second payment transaction, the second transaction request message containing payment data associated with the payment card and a second indicator that the payment card authenticated the second payment transaction.