Systems and methods for use in enhanced biometric authentication

By using a signed session ID and device-specific token, the system optimizes biometric authentication by reducing the number of potential matches, improving processing efficiency and security in biometric authentication systems.

WO2026128406A1 Publication Date: 2026-06-18MASTERCARD INT INC
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Patent Information

Authority / Receiving Office
WO · WO
Patent Type
Applications
Current Assignee / Owner
MASTERCARD INT INC
Filing Date
2025-12-09
Publication Date
2026-06-18

AI Technical Summary

⚠Technical Problem

Biometric authentication systems face significant processing challenges due to the need to match biometric templates against a large number of potential references, leading to increased processing time and resource consumption.

⚗Method used

A secure session ID signed by a mobile device is used in conjunction with a captured biometric to identify a biometric identifier, leveraging a device-specific token for multifactor authentication, thereby reducing the number of potential matches and optimizing processing resources.

🎯Benefits of technology

This approach significantly reduces processing resources required for biometric matching by limiting the search to a smaller pool of reference biometrics, enhancing authentication efficiency and security through two-factor authentication.

✦ Generated by Eureka AI based on patent content.

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Abstract

Systems and methods are provided for enhanced biometric authentication, based on proximity of mobile devices. One example computer- implemented method includes, for a biometric-initiated transaction, receiving an authentication request from a first party, where the authentication request includes a biometric specific to a user and captured at a point-of-sale (POS) terminal at the first party and a listing of token(s) and identifier(s). The method also includes identifying a biometric template based on the identifier, and identifying a device ID of a mobile device based on the token(s). The method further includes verifying that the device ID is bound to the identifier(s), compiling a response to the authentication request, and providing a transaction payload for the transaction to a payment service provider (PSP).
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