Method and system for providing biometric authentication at a point-of-sale via a mobile device
View Patent ↗A system and method is provided for authorizing a payment for a point of sale transaction by authenticating the user of a mobile device, such as a mobile phone. The present invention authenticates the consumer and verifies that he is authorized to conduct a transaction at the point of sale by means of the consumer's mobile device.
1. A method for providing multi-factor authentication for payment transactions using a mobile device, the method comprising:
receiving, from the mobile device, a text message for establishing a voice connection receiving a device identifier associated with the mobile device;
determining if the device identifier corresponds to a registered device identifier; establishing the voice connection with the mobile device;
receiving through the voice connection a voice sample of a consumer associated with the mobile device;
comparing the voice sample with a registered voice sample associated with the mobile device;
converting the voice sample into a text sequence;
comparing at least a portion of the text sequence with a registered text sequence associated with the mobile device;
generating an authorization identifier in response to comparing the at least a portion of the text sequence, to be presented by the consumer at a point of transaction; and
transmitting the authorization identifier to the mobile device.
2. The method of claim 1 , further comprising initiating the voice connection with the mobile device upon determining that the device identifier corresponds to the registered device identifier.
3. The method of claim 1 , wherein the text message includes a point-of-sale identifier.
4. The method of claim 1 , wherein the text message includes verification information relating to the consumer.
5. The method of claim 4 , further comprising comparing the verification information to registered verification information associated with the mobile device.
6. The method of claim 1 , wherein the authorization identifier comprises one or more of alphanumeric data and barcode data.
7. The method of claim 1 , wherein the authorization identifier is valid for multiple payment transactions.
8. The method of claim 1 , wherein at least a portion of the voice sample comprises a point-of-sale identifier.
9. The method of claim 8 , further comprising associating the authorization identifier with a point-of-sale terminal associated with the point-of-sale identifier.
10. The method of claim 1 , further comprising requesting additional voice samples from the consumer through the voice connection in order to obtain additional verification information from the consumer.
11. A method for providing multi-factor authentication for payment transactions using a mobile device, the method comprising:
receiving, from the mobile device, a text message for establishing a voice connection receiving a device identifier associated with mobile device;
determining if the device identifier corresponds to a registered device identifier;
establishing the voice connection with the mobile device;
receiving through the voice connection a voice sample of a consumer associated with the mobile device;
comparing the voice sample with a registered voice sample associated with the mobile device;
generating an authorization identifier in response to comparing the voice sample, to be presented by the consumer at a point of transaction; and
transmitting the authorization identifier to the mobile device.