Granted Patent B2

US 12,555,113 · App. 18/488,108 · Granted Feb 17, 2026

Inventors: Parthasarathy Munuswamy Krishnamoorthy (Lake Saint Louis, MO); Dan P. Scucchi (St. Charles, MO); Richard G. Davis (Lake Saint Louis, MO); Trevor Scott Owen (Saint Peters, MO); Jennifer Hausman-Wilcox (Dardeen Prairie, MO); Chris Mavromatis (Crestwood, MO); Jason Wake (Lake Saint Louis, MO)

Assignee: Mastercard International Incorporated

G06Q20/40145G06Q20/4015

Abstract

Claims (64)

1 . A system for authenticating a user's identity during a financial transaction with a merchant, the system comprising:

a smart watch worn by the user, the smart watch including one or more sensors capturing a plurality of biometric values of the user, including a plurality of first biometric values for a first dynamic biometric factor and a plurality of second biometric values for a second dynamic biometric factor, the first dynamic biometric factor including a non-overridable liveliness biometric factor of the user selected from one or more of the following: a vein pattern, a skin pore pattern, and voice recognition, the second dynamic biometric factor including an overridable wellness biometric factor of the user selected from one or more of the following: body temperature, heart rhythm, blood pressure, and blood sugar;

a smart phone of the user executing a mobile wallet application, the mobile wallet application—

receiving and aggregating the plurality of biometric values over a period of time of at least thirty days to create a unique biometric profile of the user, including receiving and aggregating the plurality of first dynamic biometric values into a first biometric factor pattern and receiving and aggregating the plurality of second biometric values into a second dynamic biometric factor pattern,

receiving a notification of a current financial transaction,

receiving a plurality of current biometric values, including a current first biometric value and a current second biometric value,

comparing the plurality of current biometric values to the unique biometric profile and generating a plurality of comparison results, including comparing the current first biometric value to the first biometric factor pattern and generating a first comparison result, and comparing the current second biometric value to the second biometric factor pattern and generating a second comparison result,

determining a biometric authentication determination score based on the plurality of comparison results,

making a biometric authentication determination based on the comparison results, and

communicating the biometric authentication determination via a communication network to a server of a remote service provider; and

the server of the remote service provider—

generating an overall identity authentication score by combining, in a weighted combination, the biometric authentication determination score, a purchase pattern authentication determination score based on a pattern of past purchases by the user, and a location authentication determination score based on a recent geographic location of the user prior to the current financial transaction,

making an identity authentication determination based on the overall identity authentication score, and

communicating the identity authentication determination for the user to the merchant for the current financial transaction.

2 . The system of claim 1 , wherein a plurality of body temperature biometric values are aggregated over the period of time into a body temperature biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

3 . The system of claim 1 , wherein a plurality of heart rhythm biometric values are aggregated over the period of time into a heart rhythm biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

4 . The system of claim 1 , wherein a plurality of blood pressure biometric values are aggregated over the period of time into a blood pressure biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

5 . The system of claim 1 , wherein a plurality of blood sugar biometric values are aggregated over the period of time into a blood sugar biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

6 . The system of claim 1 , wherein a plurality of vein pattern biometric values are aggregated over the period of time into a vein pattern biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

7 . The system of claim 1 , wherein a plurality of skin pore pattern biometric values are aggregated over the period of time into a skin pore pattern biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

8 . The system of claim 1 , wherein a plurality of voice recognition biometric values are aggregated over the period of time into a voice recognition biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

9 . The system of claim 1 , the server of the remote service provider rejecting the current financial transaction when the overall identity authentication score violates a pre-established fraud threshold value.

10 . A method for authenticating a user's identity during a financial transaction with a merchant, the method comprising:

capturing, by one or more sensors of a smart watch worn by the user, a plurality of biometric values of the user, including a plurality of first biometric values for a first dynamic biometric factor and a plurality of second biometric values for a second dynamic biometric factor, the first dynamic biometric factor including a non-overridable liveliness biometric factor of the user selected from one or more of the following: a vein pattern, a skin pore pattern, and voice recognition, the second dynamic biometric factor including an overridable wellness biometric factor of the user selected from one or more of the following: body temperature, heart rhythm, blood pressure, and blood sugar;

receiving and aggregating, by a mobile wallet application executed by a smart phone of the user, the plurality of biometric values over a period of time of at least thirty days to create a unique biometric profile of the user, including receiving and aggregating the plurality of first biometric values into a first dynamic biometric factor pattern and receiving and aggregating the plurality of second biometric values into a second dynamic biometric factor pattern;

receiving, by the mobile wallet application, a notification of a current financial transaction;

receiving, by the mobile wallet application, a plurality of current biometric values, including a current first biometric value and a current second biometric value;

comparing, by the mobile wallet application, the plurality of current biometric values to the unique biometric profile and generating a plurality of comparison results, including comparing the current first biometric value to the first biometric factor pattern and generating a first comparison result, and comparing the current second biometric value to the second biometric factor pattern and generating a second comparison result;

determining, by the mobile wallet application, a biometric authentication determination score based on the plurality of comparison results;

making, by the mobile wallet application, a biometric authentication determination based on the comparison results;

communicating, by the mobile wallet application, the biometric authentication determination via a communication network to a server of a remote service provider;

generating, by the server of the remote service provider, an overall identity authentication score by combining, in a weighted combination, the biometric authentication determination score, a purchase pattern authentication determination score based on a pattern of past purchases by the user, and a location authentication determination score based on a recent geographic location of the user prior to the current financial transaction,

making, by the server of the remote service provider, an identity authentication determination based on the overall identity authentication score; and

communicating, by the server of the remote service provider, the identity authentication determination for the user to the merchant for the current financial transaction.

11 . The method of claim 10 , wherein a plurality of body temperature biometric values are aggregated over the period of time into a body temperature biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

12 . The method of claim 10 , wherein a plurality of heart rhythm biometric values are aggregated over the period of time into a heart rhythm biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

13 . The method of claim 10 , wherein a plurality of blood pressure biometric values are aggregated over the period of time into a blood pressure biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

14 . The method of claim 10 , wherein a plurality of blood sugar biometric values are aggregated over the period of time into a blood sugar biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user.

15 . The method of claim 10 , wherein a plurality of vein pattern biometric values are aggregated over the period of time into a vein pattern biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

16 . The method of claim 10 , wherein a plurality of skin pore pattern biometric values are aggregated over the period of time into a skin pore pattern biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

17 . The method of claim 10 , wherein a plurality of voice recognition biometric values are aggregated over the period of time into a voice recognition biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

18 . The method of claim 10 , further including rejecting, by the server of the remote service provider, the current financial transaction when the overall identity authentication score violates a pre-established fraud threshold value.

19 . A method for authenticating a user's identity during a financial transaction with a merchant, the method comprising:

registering a user by receiving and storing a profile information of a user;

capturing, by one or more sensors of a smart watch worn by the user, a plurality of biometric values of the user, including a plurality of first biometric values for a first dynamic biometric factor and a plurality of second biometric values for a second dynamic biometric factor, the first dynamic biometric factor including a non-overridable liveliness biometric factor of the user selected from one or more of the following: a vein pattern, a skin pore pattern, and voice recognition, the second dynamic biometric factor including an overridable wellness biometric factor of the user selected from one or more of the following: body temperature, heart rhythm, blood pressure, and blood sugar;

receiving and aggregating, by a mobile wallet application executed by a smart phone of the user, the plurality of biometric values over a period of time of at least thirty days to create a unique biometric profile of the user, including receiving and aggregating the plurality of first biometric values into a first dynamic biometric factor pattern and receiving and aggregating the plurality of second biometric values into a second dynamic biometric factor pattern;

receiving, by the mobile wallet application, a notification of a current financial transaction;

receiving, by the mobile wallet application, a current plurality of biometric values, including a current first biometric value and a current second biometric value;

comparing, by the mobile wallet application, the plurality of current biometric values to the unique biometric profile and generating a plurality of comparison results, including comparing the current first biometric value to the first biometric factor pattern and generating a first comparison result, and comparing the current second biometric value to the second biometric factor pattern and generating a second comparison result,

determining, by the mobile wallet application, a biometric authentication determination score based on the plurality of comparison results;

making, by the mobile wallet application, a biometric authentication determination based on the comparison results;

communicating, by the mobile wallet application, the biometric authentication determination via a communication network to a server of a remote service provider;

generating, by the server of the remote service provider, an overall identity authentication score by combining, in a weighted combination, the biometric authentication determination score, a purchase pattern authentication determination score based on a pattern of past purchases by the user, and a location authentication determination score based on a recent geographic location of the user prior to the current financial transaction,

making, by the server of the remote service provider, an identity authentication determination based on the overall identity authentication score;

communicating, by the server of the remote service provider, the identity authentication determination for the user to the merchant for the current financial transaction; and

rejecting, by the server of the remote service provider, the current financial transaction when the overall identity authentication score violates a pre-established fraud threshold value.

20 . The method of claim 19 ,

wherein a plurality of body temperature biometric values are aggregated over the period of time into a body temperature biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user;

wherein a plurality of heart rhythm biometric values are aggregated over the period of time into a heart rhythm biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user;

wherein a plurality of blood pressure biometric values are aggregated over the period of time into a blood pressure biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user;

wherein a plurality of blood sugar biometric values are aggregated over the period of time into a blood sugar biometric factor pattern forming the second dynamic biometric factor pattern in the unique biometric profile of the user;

wherein a plurality of vein pattern biometric values are aggregated over the period of time into a vein pattern biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user;

wherein a plurality of skin pore pattern biometric values are aggregated over the period of time into a skin pore pattern biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user; and

wherein a plurality of voice recognition biometric values are aggregated over the period of time into a voice recognition biometric factor pattern forming the first dynamic biometric factor pattern in the unique biometric profile of the user.

Assignments (1)

Continuity (1)

References Cited (12)