Granted Patent B2

US 12,731,144 · App. 18/208,864 · Granted Sep 8, 2026

Inventors: Patrik Smets (Begijnendijk, BE); Florent Hay (Laeken, BE); Eddy Van De Velde (Leuven, BE)

Assignee: MASTERCARD INTERNATIONAL INCORPORATED

G06Q20/40145G06Q20/4016G06Q30/04

Abstract

Claims (40)

1 . A computer-implemented method for managing disputes in biometric-enabled network interactions, the method comprising:

receiving, at a biometric identity switch (BIS) computing device, encrypted biometric data specific to a biometric-enabled network interaction, from a merchant, wherein the BIS computing device is part of a payment processing network processing the biometric-enabled network interaction;

storing the encrypted biometric data in a repository for a predefined interval;

receiving, by the BIS computing device, a dispute notification for the biometric-enabled network interaction involving an account of a user;

retrieving, by the BIS computing device, based on a first identifier included in the dispute notification, from the repository, the encrypted biometric data specific to the biometric-enabled network interaction;

retrieving, by the BIS computing device, enrollment data of the user, wherein the enrollment data includes enrolled biometric data of the user;

identifying, by the BIS computing device, one of multiple biometric service providers based on a type of a biometric reader used to encrypt the encrypted biometric data;

requesting, by the BIS computing device from the one of multiple biometric service providers, decryption of the encrypted biometric data specific to the biometric-enabled network interaction;

in response to receiving decrypted biometric data from the one of the multiple biometric service providers, comparing, by the BIS computing device, the enrolled biometric data to the decrypted biometric data from the biometric service provider;

in response to the enrolled biometric data not being a match for the decrypted biometric data:

reversing the biometric-enabled network interaction as to the account of the user; and

requesting, by the BIS computing device, from the one of the multiple biometric service providers, at least one biometric identifier for at least one additional user, based on the decrypted biometric data; and

receiving, by the BIS computing device, from the one of the multiple biometric service providers, the biometric identifier and a match score for each of the at least one additional user, based on a biometric comparison of the decrypted biometric data specific to the biometric-enabled network interaction and enrolled biometric data of the at last one additional user;

identifying, by the BIS computing device, an interaction history of the at least one additional user, based on the biometric identifier; and

assigning, by the BIS computing device, the biometric-enabled network interaction to an account of one of the at least one additional user, based on the match score for the one of the at least one additional user and a comparison of a location of the biometric-enabled network interaction relative to a location of at least one different network interaction included in the interaction history of the one of the at least one additional user.

2 . The computer-implemented method of claim 1 , further comprising: identifying, by the BIS computing device, the account of the additional user based on the biometric identifier.

3 . The computer-implemented method of claim 1 , wherein the at least one additional user includes multiple additional users.

4 . The computer-implemented method of claim 1 , wherein the biometric-enabled network interaction is a payment account transaction.

5 . The computer-implemented method of claim 1 , wherein the biometric data is based on a fingerprint or a facial image.

6 . A non-transitory computer-readable storage medium comprising executable instructions, which when executed by at least one processor of a biometric identity switch (BIS) computing device in connection with a dispute involving a biometric-enabled network interaction, cause the at least one processor to:

receive encrypted biometric data specific to a biometric-enabled network interaction, from a merchant;

store the encrypted biometric data in a repository for a predefined interval; receive a dispute notification for the biometric-enabled network interaction, wherein the biometric-enabled network interaction involves an account of a user;

retrieve, based on a first identifier included in the dispute notification, from the repository, the encrypted biometric data specific to the biometric-enabled network interaction;

retrieve enrollment data of the user, wherein the enrollment data includes enrolled biometric data of the user;

identify one of multiple biometric service providers based on a type of a biometric reader used to encrypt the encrypted biometric data

request, from the one of multiple biometric service providers, decryption of the encrypted biometric data specific to the biometric-enabled network interaction;

in response to receiving decrypted biometric data from the one of the multiple biometric service providers, compare the enrolled biometric data to the decrypted biometric data from the biometric service provider;

determine that the decrypted biometric data from the one of the multiple biometric service providers is not a match for the enrolled biometric data of the user;

based on the determination:

reverse the biometric-enabled network interaction as to the account of the user; and

request, from the biometric service provider, at least one biometric identifier for at least one additional user, based on the decrypted biometric data;

receive, from the one of the multiple biometric service providers, the biometric identifier and a match score for each of the at least one additional user, based on a biometric comparison of the decrypted biometric data from the biometric service provider and enrolled biometric data of the at least one additional user;

identify an interaction history of the at least one additional user, based on the at least one biometric identifier;

compare a location of the biometric-enabled network interaction to a location of at least one different network interaction in the interaction history of the at least one additional user; and

in response to the match score for one of the at least one additional user and a match between the location of the at least one different network interaction in the interaction history of the one of the at least one additional user and the location of the biometric-enabled network interaction, assign the biometric-enabled network interaction to an account of the one of the at least one additional user.

7 . The non-transitory computer-readable storage medium of claim 6 , wherein the executable instructions, when executed by the at least one processor of the BIS computing device, further cause the at least one processor to, in response to the interaction history of the one of the at least one additional user not matching the location of the biometric-enabled network interaction:

generate a biometric identifier for an anonymous user; and

enroll the biometric data to the anonymous user, prior to assigning the biometric-enabled network interaction to the anonymous user.

8 . The non-transitory computer-readable storage medium of claim 7 , wherein the biometric-enabled network interaction is a payment account transaction; and

wherein the biometric data is based on a fingerprint or a facial image.

Assignments (1)

Continuity (3)

References Cited (18)