Granted Patent B2

US 12,518,267 · App. 18/897,730 · Granted Jan 6, 2026

Inventor: Joan Lee Tibor (Waycross, GA)

Assignee: Biometric Payment Solutions, LLC

G06Q20/3674G06Q20/042G06Q20/206G06Q20/34G06Q20/382G06Q20/401G06Q20/40145

Abstract

Claims (36)

1 . A system configured to process a payment transaction wirelessly with a point-of-sale reader associated at a point-of-sale location, the system comprising:

a reader configured to capture encoded information from a transaction token using wireless communication, wherein the transaction token is issued on behalf of an issuing entity; and

one or more hardware processors configured to:

receive biometric data corresponding to a user's feature from a scanner;

compare the received biometric data with a stored biometric data associated with the user; and

transmit, wirelessly to the point-of-sale reader directly from a computing device associated with the reader, a transaction token information representative of the encoded information from the transaction token responsive to the comparison indicating an approval of the received biometric data;

wherein the transaction token information is stored on a non-transitory memory.

2 . The system of claim 1 , wherein the one or more hardware processors are further configured to receive a transaction comparison result conducted by a transaction validating entity to accept or reject a transaction and display a confirmation of the transaction based on the transaction comparison result.

3 . The system of claim 1 , wherein the transaction token is a physical object comprising one of a check, a debit card, a loyalty card, a food stamp, a token, or an account.

4 . The system of claim 1 , wherein the transaction token comprises a credit card.

5 . The system of claim 1 , wherein the reader and the scanner are integrated in a computer device.

6 . The system of claim 1 , further comprising a second scanner configured to detect a fingerprint, wherein the fingerprint is used for authenticating some payment transactions.

7 . The system of claim 1 , wherein the biometric data comprises a facial feature.

8 . A computing device configured to enable wireless radio frequency electronic payment transaction between the computing device and a point-of-sale reader associated at a point-of-sale location, the computing device comprising one or more hardware processors configured to process a transaction, said processing comprising:

receiving an encoded transaction token information from a transaction token using wireless communication, wherein the transaction token is issued on behalf of an issuing entity;

storing the encoded transaction token information on the computing device;

receiving biometric data corresponding to a user's biometric feature;

comparing the received biometric data with a stored biometric data associated with the user; and

transmitting, to the point-of-sale reader wirelessly from the computing device, the encoded transaction token information representative of the stored transaction token based on the comparison indicating an approval of the received biometric data.

9 . The computing device of claim 8 , wherein the one or more hardware processors are further configured to receive a transaction comparison result conducted by a transaction validating entity to accept or reject a transaction and display a confirmation of the transaction based on the transaction comparison result.

10 . The computing device of claim 8 , wherein the transaction token is a physical object comprising one of a check, a debit card, a loyalty card, a food stamp, a token, or an account.

11 . The computing device of claim 8 , wherein the transaction token comprises a credit card.

12 . The computing device of claim 8 , wherein the encoded transaction token information is received.

13 . The computing device of claim 8 , wherein the biometric data comprises a fingerprint feature.

14 . The computing device of claim 8 , wherein the biometric data comprises a facial feature and is received via a scanner integrated in the computer device with a reader capturing the encoded transaction token information.

15 . A method of processing a payment transaction wirelessly between a computing device and a point-of-sale reader associated at a point-of-sale location, the method comprising:

receiving an encoded transaction token information from a transaction token using wireless communication, wherein the transaction token is issued on behalf of an issuing entity;

storing the received transaction token information on the computing device;

receiving biometric data corresponding to a user's biometric feature;

comparing the received biometric data with a stored biometric data associated with the user; and

transmitting, to the point-of-sale reader wirelessly from the computing device, the transaction token information representative of the stored transaction token based on the comparison indicating an approval of the received biometric data.

16 . The method of claim 15 , further comprising receiving a transaction comparison result conducted by a transaction validating entity to accept or reject a transaction and displaying a confirmation of the transaction based on the transaction comparison result.

17 . The method of claim 15 , wherein the transaction token is a physical object comprising one of a check, a debit card, a loyalty card, a food stamp, a token, or an account.

18 . The method of claim 15 , wherein the transaction token comprises a credit card.

19 . The method of claim 15 , wherein the user's biometric feature comprises a fingerprint.

20 . The method of claim 15 , wherein the user's biometric feature comprises a facial feature that is received via a scanner integrated in the computer device.

Continuity (10)

References Cited (353)