System and architecture for merchant integration of a biometric payment system

a biometric payment and merchant technology, applied in payment protocols, instruments, individual entry/exit registers, etc., can solve the problems of increasing the cost of merchant hardware, requiring a substantial amount of hardware, and incurring additional costs for merchants for each client hardware device and associated cables

Inactive Publication Date: 2014-04-17
YOUTECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

[0015]In an embodiment, a computer-readable storage medium may contain one or more programming instructions for performing a method for performing electronic wallet presentation. The method may include receiving a plurality of biometric information from a plurality of checkout areas. Each checkout area may be located at a merchant location. Each biometric information may b...

Problems solved by technology

One problem with such cross-merchant payment systems is that each checkout area in a merchant environment requires a substantial amoun...

Method used

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  • System and architecture for merchant integration of a biometric payment system
  • System and architecture for merchant integration of a biometric payment system
  • System and architecture for merchant integration of a biometric payment system

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Embodiment Construction

[0025]In an embodiment, the amount of additional hardware required for a checkout area may be substantially reduced. For example, in a checkout lane for the implementation of biometrically enhanced cross-merchant payment system, only a biometric sensor, such as a fingerprint sensor, a retinal scanner, a voice recorder or the like, may need to be added to a conventional non-biometric, non-cross-merchant checkout environment. The biometric sensor may be in communication with the POS workstation via, for example, a Universal Serial Bus (“USB”) port. The POS workstation and / or PIN pad may include additional software components to control operation of the biometric sensor and to communicate with the identity service provider. In an embodiment, the biometric sensor may merely require a connection to the POS workstation, and not LAN and / or power connections.

[0026]FIG. 3 depicts a block diagram for an exemplary cross-merchant payment and authentication system according to an embodiment. As ...

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Abstract

A system and method for performing authentication are disclosed. The system may include a shared central processing server, a plurality of software components each residing in a corresponding point-of-sale (POS) workstation and an identity provider service. The server may reside at a merchant location and communicate with multiple POS workstations at the merchant location. The server may be configured to receive biometric information from each POS workstation. Each software component may communicate with a biometric sensor in communication with the corresponding POS workstation to receive biometric information. The identity provider service may be configured to communicate with the server, store registered biometric information and compare biometric information received from the server with one or more of the stored registered biometric information. One of the biometric sensor, a POS workstation and the server may convert a biometric image into a biometric template for comparison with the stored registered biometric information.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS[0001]This application is a continuation of U.S. application Ser. No. 11 / 421,451, filed May 31, 2006, entitled SYSTEM AND ARCHITECTURE FOR MERCHANT INTEGRATION OF A BIOMETRIC PAYMENT SYSTEM, now issued U.S. Pat. No. 8,589,238, issued on Nov. 19, 2013, herein incorporated by reference.BACKGROUND OF THE INVENTION[0002]Conventional merchant payment systems typically include one or more point-of-sale workstations (“POS workstations”), such as an electronic cash register (“ECR”) that may be coupled to a payment terminal, such as a PIN pad card reader (“PIN pad”) to accommodate credit and debit card payments from consumers. The ECR is coupled through a network connection (e.g., broadband connection or dial-up connection) at the merchant location in order to interact with remote card payment processing systems to process credit card and debit card transactions initiated by consumers for settlement. A merchant may have multiple checkout lanes each with...

Claims

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Application Information

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IPC IPC(8): G06Q20/20
CPCG06Q20/206G06Q10/067G06Q20/12G06Q20/20G06Q20/40G06Q20/4014G07C9/37
Inventor COOPER, BRIANHILMES, RON
Owner YOUTECH
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