Device and method for carrying out a transaction on a payment terminal

WO2026131942A1PCT designated stage Publication Date: 2026-06-25BANKS & ACQUIRERS INT HLDG SAS
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Patent Information

Authority / Receiving Office
WO · WO
Patent Type
Applications
Current Assignee / Owner
BANKS & ACQUIRERS INT HLDG SAS
Filing Date
2025-12-17
Publication Date
2026-06-25

AI Technical Summary

Technical Problem

Existing payment solutions require users to carry their smartphones or use specific merchant terminals for biometric transactions, which are uneconomical and environmentally unfriendly to implement.

Method used

A device connected to a payment terminal that acquires biometric data, processes it against a reference database to retrieve payment data, and simulates a dematerialized bank card for transactions, eliminating the need for personal devices and simplifying the process.

Benefits of technology

Enables secure, efficient, and environmentally friendly biometric transactions directly at payment terminals, reducing the need for personal devices and simplifying the transaction process.

✦ Generated by Eureka AI based on patent content.

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    Figure EP2025087552_25062026_PF_FP_ABST
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Abstract

The invention relates to a device (1) for carrying out a transaction on a payment terminal (2), the device (1) being configured to be connected to the payment terminal (2), the device (1) comprising: - a biometric sensor (13) configured to acquire candidate biometric data from a biometric trait of a user; - data processing means (11) configured to, if the candidate biometric data coincide with reference biometric data of a reference individual: - obtain payment data relating to a virtual bank card of the user from a payment database comprising, for each of a plurality of reference individuals, payment data relating to a virtual bank card of the reference individual; and - transmit, to the payment terminal (2), the payment data so as to carry out the transaction in such a way as to simulate use of the virtual bank card.
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