Note: Descriptions are shown in the official language in which they were submitted.
Biometric Payment Transaction without mobile or card
FIELD OF INVENTION
The scope of this invention; just using touch to pay
This is Biometric Payment Solution for the modern edge and digital revolution
in fintech
industry. Today there are more solutions introduced for the digital payments
and claiming the
security in the different aspects. Most of them are mobile based solution. As
mobile is become a
part of everyone's life, more mobile solutions are introduced. However
Biometric Payment
Method (an innovation) is opening all new way to look at the payment
solutions.
This solution gives an access to pay anything and everything on your
fingertips. One can pay his
/ her grocery bill by touching biometric touch pad. No Card or Mobile or any
other medium is
required. All you need is your fingers.
This is most secure way to pay at shop, roam freely around without wallet or
mobile. Without
fear of identity theft or card stolen or lost. This innovation will give you a
freedom to pay by
using your fingers. No one else can pay without you or behalf of you; not even
your wife.
While carrying cash, cards, mobile devices, or digital wallet are associated
with payment
methods for merchant transaction or ATM transaction while travelling,
communicating under
any purchases, transportation or outing, where expenses or small grocery
purchases can be made
using.
For security of such items while taking services to authorized the permission
of securing account
information are necessary regardless when far from home and find a convenient
way, even to
forget such item or steal. So fintech system will require at least one to
initiate such kind of
services to purchase and unable to use such.
In the example, A person driving car and stopped by; while his friend met,
excited to see and
move around nearby restaurant; while taking break and relaxing with friend,
car has been locked
by mistake as key inside, however realised while paying the bill. In such kind
of scenario by
touch to pay using biometric will be effective.
In another example, Husband are on the way to pick up his wife from airport
very early in the
morning, as it was unexpected plan to come back, as she has changed her plan.
While husband
was unaware and got a call to pick up from airport; he drives the car, while
he has noticed that
gas/petrol is about to finish and drives his car on gas station/petrol or
diesel pump. He realize
that he does not carry anything, nor even mobile. Touch to pay is the option
in such a scenario.
OBJECTIVE
The main purpose of this invention in fintech industry to secure customer and
bank data while a
payment transaction(even small grocery transaction) will be processing without
carrying mobile,
wallet, mobile wallet, any type of debit or credit cards account products
based on biometric data.
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CA 3015041 2019-01-22
It reduces the cost of issuing physical cards for financial institution or
bank; and its biggest
advantage.
BACKGROUND
With various embodiments' background of this invention, includes information
that may be
useful in understanding the present invention. It is not an admission that any
of the information
provided herein is prior art or relevant to the presently claimed invention,
or that any publication
specifically or implicitly referenced is prior art.
A payment gateway/processor for POS/ATM/Vending Machine/any capable of device,
which
allows and process transactions using biometric data without use of
mobile/cards/wallets by
authorized biometric data. Financial institution while issuing accounts (by
registering customer
using biometric) also assigned virtual biometric account / credit cards to
process a transaction. A
Payment transaction does not require any physical payment card or any sort of
current mode of
transaction information. A payment gateway system will authorized the merchant
payment from
customer's account using stored biometric data while issued/registered from
issuer financial
institution. The customer's biometric (all 10 finger-print) and palm (Left and
Right) information
stored in Bank / Financial Institute server / Cloud server.
The payment switch will route payment transaction from captured biometric
information
(encrypted data) by using any capable of device to identify an account. This
biometric data will
be encrypted using security device and in sort of standard existing security
biometric encryption
algorithm. Routed message will be sent to card management server under the
issuer bank /
financial institution using payment method and further interface to host
banking or third-parties
like VISA/MASTERCARD/AMEX/Diners/etc. Bank or issuer financial system will
authorized
the payment transaction using captured biometric information against account
registered with
biometric stored data. In the event of any unauthorized payment transaction
against the
verification of biometric data registered on issuer server while such
discrepancy found against
captured such encrypted information using device from transaction decrypted
message
information.
SUMMARY
A payment gateway processor using point of sale device to initiate the
transaction by using
biometric information with random generation of 2 or 3 finger combination or
single finger scan
data to identify the associated account stored against the bank issued Virtual
PAN with biometric
information without using credit or debit cards or mobile devices.
A payment transaction does not contained or required standard card information
to complete the
transaction; just by using biometric information. Gateway will expect to
process the transaction
using encrypted payment request message. Encrypted message / data will use the
biometric
captured data (using biometric devices) to approve the transaction against
stored biometric data
in the issuer server/cloud server.
A transaction can be identified using captured biometric information
comparison and decline
transaction if it differs. In different type of embodiments, the processor may
transmit captured
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CA 3015041 2019-01-22
biometric data to identify accounts from encrypted message format. Received /
Captured
biometric data using security devices (can be used any of exist encryption
algorithm method)
against stored biometric data in respect to Virtual PAN (primary account
number). The Virtual
PAN/ account may have domain restriction controls based on date and time of
the transaction, an
amount, or a merchant and device registered. The processor may receive a
payment cryptogram
including the transaction details with encrypted biometric data whereas same
cryptogram
message can be decrypted under same algorithm method (encrypted while
captured)which can be
used from current running payment transaction or biometric system. The device
system may take
input from on board instruction by customer/ merchant to further route the
message for required
message communication information using standard message protocol such as
IS08583,
IS020022 etc. along with captured biometric data to authenticate using 2 or 3
finger combination
scan (random generation combination) or single finger scan to validate against
the stored
biometric data against same identification of finger print.
The biometric data can be captured under behavioral scan algorithm as issued
while registered
such account with issuer on various compatible technique. The payment
invention system must
register customer biometric 10 fingerprint scan characteristics using order
with left and right
hand as L1, L2, L3, L4, L5, R6, R7, R8, R9, R10 sequence and issue a virtual
PAN for credit or
debit mode which is digitally stored. Also palm (Left and Right) scan data to
be registered and
stored for same while conflict of message data to use second factor
authentication. The
validation data used to verify a payment message against the random 2 or 3
finger combination
or single finger included with left and right finger numbering information in
the message against
the stored 10 finger biometric data accordance with same numbering left and
right combination
data received.
The payment system may use two-factor verification by palm (Left or Right)
scan authentication
or PIN/password which has been issued same in response to the stored biometric
data while
conflict of finger scans data.
The forgoing element and enhancement or feature of invention may be combined
in various
combinations without exclusivity, unless expressly indicated herein otherwise
and under the
security standard compliances like PCI-DSS, PA DSS etc. These elements and
enhancements or
features of invention as well as the operation of the disclosed embodiments
will be under the
criteria defined by national payment system under listed rules of each
specified country. Also
these elements and enhancements or features of invention as well as the
operation of the
disclosed embodiments will become more apparent as per the following
description and attached
charts and drawings.
The purpose of this invention to overcome the fees charging by bank to the
merchant and
customer; and direct credit of the goods purchase amount to the merchant's
account. The biggest
advantage of this invention for bank is to reduce the cost of
generating/issuing physical cards and
secured data.
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BRIEF DESCRIPTION OF DRAWING
These subject and other features, aspects, and advantages of the present
invention will become
better understood when the following detailed description is read with
reference to the
accompanying drawings in which representation of characteristics like parts
throughout the
diagram, wherein:
FIG. 1 illustrates the identification of finger using Left and Right numbering
as well as palm
scan left or right. The identification number would be sent along with message
for validating
against the specific finger.
FIG. 2 illustrates a conventional electronic system which processes using
biometric
authentication of virtual PAN to complete transaction without use of card or
mobile or digital
wallet, with various embodiments of the invention;
FIG. 3 illustrates with block diagram of a complete payment gateway process to
authenticate
payment transaction using captured data using any capable of device such as
ATM/POS/Vending
machine without card or mobile or digital wallet and validate against stored
biometric virtual
PAN, with various embodiments of the invention; and
FIG. 4 illustrates complete flow diagram of communication process based on
biometrics, palm,
biometric passcodes or PIN (personal identification number), with various
embodiments of the
invention.
FIG. 5 illustrates the characteristics of further identified and considered
for future under such
various embodiments represent as same.
DETAILED SPECIFICATION
The detailed specification herein is presented for purposes of illustration
only and not to the any
limitation. Thus, the detailed specification of various embodiments herein
makes reference to the
accompanying representation of drawings, flow diagrams and pictures, which
show various
embodiments by way of illustration. While these various embodiments are
described with
sufficient detail to enable those technical skilled in the art to practice the
disclosure, it should be
understood that other embodiments may be realized and that logical and
mechanical changes
may be made without outstating from the spirit and scope of the disclosure.
For e.g, the steps
recited in any of the method or process specification may be executed in any
order and are not
limited to the order presented. Moreover, any of the functions or steps may be
outsourced to or
performed by one or more third parties. Furthermore, any reference to singular
includes plural
embodiments, and any reference to more than one component may include a
singular
embodiment.
The stored biometric information may be used by a virtual account system to
identify and/or
authenticate a person associated with a transaction virtual PAN using a
biometric device. As
used herein, "stored fingerprint", "stored palm scan", or other behavioural
and similar phrases
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may include a digital illustration and/or other illustration of biometric or
palm data. A stored data
may identify features, edges, dimensions, and other information used to
identify the biometric
behavioural or physiological such as palm, facial, retinal, fingerprint,
vocal, handwriting,
gesture, or other biometric information of an individual.
The present disclosure includes processes, methods, and electronic fintech
payment products for
completing transactions using a virtual PAN associated with biometrics, PIN,
and/or palm scan
information to identify the registered account holder. The systems may
authorize and/or
unauthorized transactions based in part on authentication data known to the
issued virtual PAN
holder such as a PIN/password, or palm data. Transactions may include all type
of bank
transaction, any point of sale transaction, bill-payment or purchase, rewards
or loyalty point's
transaction or any request services by visiting bank branch and all type of
ATM transactions
unless otherwise mentioned but not limited, or otherwise making changes or
payments related to
a transaction account. The systems may also approve and/or decline
transactions based in part on
biometric data inherent to the account holder such as palm scan, facial
recognition, fingerprints,
voice recognition and/or retinal scans. As such, customer holding account may
transact without
needing credit card, debit card, or mobile device, digital wallet or wallet
containing an account
number.
As used herein, "exactly match" or "associated with" or similar phrases may
include an identical
match, a partial match, meeting certain criteria, matching a subset of data, a
correlation,
satisfying certain criteria, a correspondence, an association, an algorithmic
relationship and/or
the like. For example, a first stored information may match a second stored in
response to the
captured information being sufficiently similar to imply the biometric data of
each registered is
likely from the same customer or person, even though the source from which the
stored
registered information are generated may not be exactly identical. Similarly,
as used herein,
"authenticate" or similar terms may include an exact authentication, a partial
authentication,
authenticating a subset of data, a correspondence, satisfying certain
criteria, an association, an
algorithmic relationship and/or the like.
With reference to FIG. 1, A payment system generate the random number
combination of finger
illustrated as Li, L2, L3, L4, L5, R6, R7, R8, R9, RIO where L5 and R6
represent the thumb of
left and right respectively. Where identification of number for biometric
finger data has been
captured will be stored into communication message to validate against same
finger verification.
Also, in case of conflict of data has been found in such cases the second
factor authentication
requires by using the (left or right) palm scan or biometric password or PIN
against stored virtual
PAN while issued.
With reference to FIG. 2, a method I (3 for enrollment) for processing any
type of transactions
without using debit, credit cards or mobile device or digital wallet is shown,
with various
embodiments of the invention. The method I may include a control processor
device G in
communication with and/or comprising a biometric data device E. Control
processor device G
may generate the cryptogram using key security algorithm F to encrypt such
message data;
wherein EPOS , computer(laptop, desktop, notebook or tablet), or a set of
computers, ATM,
point-of-sale device, any cellular or smart phone, any wearable device, or any
other device
CA 3015041 2019-01-22
capable of capturing a biometric data device E to collect identifying
biometric information data
to authenticate stored virtual PAN data for customer's account.
With various embodiments of the invention, biometric data device E may
comprise any capable
of device by scanning, storing, processing, capturing and/or communicating
biometric data or
other digital form of biometric data. The biometric data device E include
fingerprint scanner,
palm scanner, retinal scanner, touch pad, or other form of biometric data
devices capable of
capturing behavioural biometric data and/or biometric data. The biometric
information captured
by biometric data device may be encrypted into message in the form of standard
payment
message format or other representations at control processor device G prior to
route into bank
server or cloud C over the network. The biometric data prior to route may
encrypt the raw
biometric data from exposure during communication into network, further route
to bank server
C. Bank server/cloud C may include one or more devices such as application
servers, computers,
or other suitable devices.
For larger system, identifying a customer based on Biometrics due to false
acceptance rate
(FAR) and/or false recognition rate (FRR) being relatively high compared to
the number of
customers in larger system. In small scale systems potentially having very
less number of
customers, using biometric identification may be challenging as the FAR and
FRR rates virtually
guarantee collisions and/or false recognitions when matching a customer to a
virtual account. As
such, the customer may choose on the POS the issued account to make payment by
using palm
scan or entering a biometric password or PIN, which issued for authenticate
with biometric data.
Additionally, encrypted biometric data may be sent in same standard message
format to the
backend for verification processing.
Control processing device G may be in communication with bank server C over a
payment
communication network. The payment network may be local area network using
TCP/IP
communication, Wi-Fi, NFC and wide area network in the Internet. The payment
communication
network may also be an internal network isolated from the Internet. The
payment communication
networks of method I may be exposed to third party attacks at various points.
Control processing
device G and bank server C may thus communicate over the network with
encrypted messages.
Encryption may be performed by any of the techniques to generate cryptogram
message
available in the art or which may later available. E.g., available encryption
key techniques may
include DUKPT, Racal, and RSA, DSA, PKI, GnuPG or other symmetric or
asymmetric
algorithms but not limited. While message communicates to such level
encryption required as
TLS/SSL may be used in conjunction with payload encryption to further secure
communications.
With various embodiments of the invention, bank server/cloud C may use the
biometric data
from a customer account holder in association with a virtual primary account
number to access
or identify a transaction account associated with the customer account. The
virtual PAN may be
implying to biometrics such that the virtual PAN is only valid for use with
biometric transactions
listed herein. Bank server C may retain a mapping of virtual PANs associated
may not be one-to-
one. A virtual PAN based on each of fingerprint features or other form of
behavioural
combination thereof, or a subset multiple virtual for the account associated
with the customer's
account. Stored biometric data will be associated with accounts by storage in
a data store specific
to virtual issued accounts.
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With various embodiments of the invention, the virtual PAN may have any
segment, or other
limitations as to where and when the virtual PAN may be issued and used.
Domain restriction
controls may be implemented upon enrolment. While examples of domain
restriction controls
may include a value limitation of such transactions, and the authentication
method, etc. A bank
may issue multiple virtual PANs, for example, to merchants to complete a
single transaction. A
bank may also limit transactions based on virtual PANs to any sort of merchant
transaction. The
mapping may be stored in an appropriate virtual PAN data store D using any DB
or another
suitable database type. Merchants may utilize the virtual PAN to calculate the
cryptogram sent to
bank servers C to request authorization. A cryptogram data may include a bash
of the biometric
data, transaction details, merchant details, date and time of the transaction,
a nonce for reply
attack prevention), an indicator that this is an physical transaction,"
without using card or mobile
or digital wallet for the authentication methods.
With various embodiments of the invention, bank server may also use
authentication data from
the customer's account to identify the transaction which associated with the
individual. For
example, the captured authentication data may be used to choose input
associated with the
customer's account from a database.
With reference to FIG. 3, a complete payment diagram which will be self-guided
from the image
itself.
The PUS may be an existing PUS having biometric capture capabilities and
updated with
software to enable the functionality described herein. Older POS and ATM
devices without
biometric capture capabilities may also integrate hardware updates and/or
replacements to enable
biometric capture capabilities.
With reference to Fig. 4A, Merchant will initiate the transaction on the
secure Biometric /
Merchant device (using the Secured Biometrics Authorization Process) for the
customer to make
the payment of the goods purchase. Before Merchant initiate the transaction
(with Customer's
Goods Purchase Amount Details), Merchant will also setup his Credit Settlement
Account /
Direct Deposit of the goods purchase amount.
Benefit of this invention is to provide the security to avoid the fraud and
tempering the device at
merchant end.
With reference to Fig. 4, Customer will authorize the transaction by using
Merchant Biometric
Device (PUS, EPOS, Vending Machine or any capable device and ATM) to capture
customer
Biometric Authorization data and Goods Purchase transaction / any type
transactions details with
various selection input(s) on devices provided by Merchant / Consumer; further
route to payment
processor.
According to Block A, Bank Server will receive the Biometric data and search
the transaction
account authorization details. To assess the risk associated with the payment
transaction, input
data can be identified to a fraud and risk of payment processor. The bank
server will use the
Received Biometric Data as criteria against the stored biometric data to
identify the account
(Virtual PAN) and authorization.
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With various embodiments of the invention, bank server may enroll customer for
Biometric
authorization process. Customer Biometric data will be captured and stored in
the Bank /
Financial Institute server / Cloud Server to issue the account (the Virtual
PAN).
Bank server (Fig 2: Block C) may compare the biometric data against the stored
Biometric data
in the Virtual PAN. Stored Biometric Virtual PAN may be any digital
representation of
biometric data in non-image form. For further explanation of security based on
fingerprints and
gestures see U.S. patent application Ser. No. 14/860,375, entitled "SYSTEMS
AND METHODS
FOR GESTURE BASED BIOMETR1C SECURITY," is example of application number which
is acceptable if the identified application has been published.
Under the representation of Behavioral and Physiological biometric security
features, further
explanation of authenticating based on facial recognition see U.S. patent
application Ser. No.
14/273,225, entitled "SYSTEMS AND METHODS FOR AUTHENTICATING FACIAL
BIOMETRIC DATA AGAINST SECONDARY SOURCES," is example of application number
which is acceptable if the identified application has been published.
With various embodiments, the transaction may also be evaluated on
supplementary criteria.
This invention payment method only may be restricted to only register
Biometric Authorization
Process. Customer who has not registered Biometric Authorization Process, are
having limitation
of the account (Virtual Pan).
During verification / authorization of biometric data conflict against the
stored biometric data, as
result of the comparison between the received biometric data and the stored
biometric data is
ambiguous (Fig 4 : Block C). In response to a strong likelihood that the
biometric data does not
match or the risk of the transaction is unacceptable, bank server may decline
the transaction (Fig
4: Block D).
In response to an ambiguous result from the comparison, the system may request
additional
authentication and/or biometric data (Fig 4: Block E). A risky transaction may
be characterized
by risk markers. Examples of risk markers include, for example, a password
entry device without
protection or a velocity transaction that seems unlikely such as a user
conducting two
transactions in a short amount of time on same date between two physical
locations that are
significantly separated by distance. System may use the additional data to
authenticate the
individual associated with the transaction account by comparing the additional
data to known
data associated with the account. System may decline the transaction in
response to the step-up
authentication failing (Fig 4: Block D). In response to the step-up
authentication passing, system
may continue the transaction with the account (Fig 4: Block G). In continuing
the transaction
with the account, system may apply additional criteria to evaluate risk,
account settings, domain
restriction controls for biometric payment transactions, or other criteria
prior to authorizing a
transaction.
With various embodiments, system illustrated as executing on portion of
authorization process of
transmitted the biometric data to the Bank server in encrypted mode / format.
Further validation
take place on decrypted message on various characteristic of message data.
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In event of more than one biometric identifier may be used in order to limit
the possibility of
false positives allowing for duplicate authentications. For example, the
combination of
fingerprint from an individual may be used to verify a transaction account
belonging to the
individual. The biometric data may be supplemented with authentication data
such as palm scan
and biometric PIN or Password.
System may determine whether the addition data request authorization was
successful (Fig 4:
Block G). System may decline the transaction in response to the additional
verification being
unsuccessful (Fig 4: Block E). System may detect unauthorized transaction by
evaluating
Biometric data unsuccessful by using the received biometric data and/or
authentication data as
criteria and receiving an empty results set. System may also detect an
unsuccessful transaction
by submitting a search query using the biometric data and/or authentication
data as criteria and
receiving a result set having accounts belonging to more than one individual.
During successful authorization, system may determine with various
characteristic of transaction
message (which is valid) associated with transaction on the associated account
(Fig 4: Block G).
The account associated with the biometric data may also include domain
restriction controls for
the use of the biometric-based payments. For example, the account may include
a daily, total,
weekly, or other spending limit on biometric-based transactions.
In response to the transaction being invalid, system may decline the
transaction (Fig 4: Block D).
In response to the transaction characteristics indicating the transaction is
valid, system may
continue the transaction with the identified account (Fig 4: Block G).
Additional / secondary account holder can be added to the same account by
capturing Biometrics
measures / data of the secondary account holder and stored / map along with
Primary account
holder's biometric data. This will enable both, primary and secondary, account
holders can
perform the payment transaction for the same account using the biometric
payment method
solution.
Customer account details and / or other biometric data can be stored in the
database. Merchant
can be authorized biometric device by using his / her biometric data or else
by using biometric
PIN or password.
Any databases discussed herein may include relational, hierarchical,
graphical, block chain,
object-oriented structure and/or any other database configurations. Any
database can be used to
implement this invention / solution.
With various embodiments of this invention, methods can be described herein
may be vulnerable
to attacks including spoofing, tampering, repudiation, information disclosure,
denial of service,
and escalation of privilege. Any type of biometric terminals may not be under
the control of
customers and may be rogue terminals. However biometric terminal device can be
authorized
before initiating the transaction with additional security of biometric
merchant authentication
method.
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=
The disclosure and claims in this invention specification can be developed
using any
combination of rules and various embodiments with specific rules, technologies
and programing
languages.
In various embodiments, the method / process may include alerting a subscriber
that may include
generating customized information and alerting to the subscriber's wireless
devices or any other
electronic devices by SMS, email or any alert massage standard. Alert message
may contain
characteristics of transaction details.
With various embodiments of this invention, the system and method may include
a graphical
user interface for dynamically relocating/resealing obscured textual
information of an underlying
window to become automatically viewable to the user. By permitting textual
information to be
dynamically relocated based on an overlap condition, the computer's ability to
display
information is improved. More particularly, the method for dynamically
relocating textual
information within an underlying window displayed in a graphical user
interface may comprise
displaying a first window containing textual information in a first format
within a graphical user
interface on a computer screen; displaying a second window within the
graphical user interface;
constantly monitoring the boundaries of the first window and the second window
to detect an
overlap condition where the second window overlaps the first window such that
the textual
information in the first window is obscured from a user's view; determining
the textual
information would not be completely viewable if relocated to an unobstructed
portion of the first
window; calculating a first measure of the area of the first window and a
second measure of the
area of the unobstructed portion of the first window; calculating a scaling
factor which is
proportional to the difference between the first measure and the second
measure; scaling the
textual information based upon the scaling factor; automatically relocating
the scaled textual
information, by a processor, to the unobscured portion of the first window in
a second format
during an overlap condition so that the entire scaled textual information is
viewable on the
computer screen by the user; and automatically returning the relocated scaled
textual
information, by the processor, to the first format within the first window
when the overlap
condition no longer exists.
With various embodiments of this invention, merchant biometric system can
configured and
accessible using any computer device to add / remove third party authorised
person with
restricted role based access to handle the merchant biometric device.
Innovation system, methods and computer program products are provided. In the
detailed
description herein, references to "various embodiments", "With various
embodiments of this
invention", "one embodiment", "an embodiment", "an example embodiment", etc.,
indicate that
the embodiment described may include a particular feature, structure, or
characteristic, but every
embodiment may not necessarily include the particular feature, structure, or
characteristic.
Moreover, such phrases are not necessarily referring to the same embodiment.
Further, when a
particular feature, structure, or characteristic is described in connection
with an embodiment, it is
submitted that it is within the knowledge of one skilled in the art to affect
such feature, structure,
or characteristic in connection with other embodiments whether or not
explicitly described. After
reading the description, it will be apparent to one skilled in the relevant
art(s) how to implement
the disclosure in alternative embodiments.
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Terms and phrases similar to "associate" and/or "associating" may include
tagging, flagging,
correlating, using a look-up table or any other method or system for
indicating or creating a
relationship between elements, such as, for example, (i) a transaction account
and (ii) an item
(e.g., offer, reward, discount) and/or digital channel. Moreover, the
associating may occur at any
point, in response to any suitable action, event, or period of time. The
associating may occur at
pre-determined intervals, periodic, randomly, once, more than once, or in
response to a suitable
request or action. Any of the information may be distributed and/or accessed
via a software
enabled link, wherein the link may be sent via an email, text, post; social
network input and/or
any other method known in the art.
Phrases and terms similar to "transaction account" or "Virtual PAN (Primary
Account Number)"
may include any account that may be used to facilitate a financial
transaction.
Phrases and terms similar to "financial institution" or "bank" may include any
entity that offers
transaction account services. Although often referred to as a "financial
institution," the financial
institution may represent any type of bank, lender or other type of account
issuing institution,
such as credit card companies, card sponsoring companies, or third party
issuers under contract
with financial institutions. It is further noted that other participants may
be involved in some
phases of the transaction, such as an intermediary settlement institution.
The phrases consumer, merchant, customer, user, account holder, account
affiliate, card member
or the like shall include any person, entity, business, government
organization, business,
software, hardware, machine associated with a transaction account, buys
merchant offerings
offered by one or more merchants using the account and/or who is legally
designated for
performing transactions on the account, regardless of whether a physical card
is associated with
the account. For example, the card member may include a transaction account
owner, a
transaction account user, an account affiliate, a child account user, a
subsidiary account user, a
beneficiary of an account, a custodian of an account, and/or any other person
or entity affiliated
or associated with a transaction account.
With various embodiments of this invention, any communication, transmission
and/or channel
discussed herein may include any system or method for delivering content (e.g.
data,
information, metadata, etc.), and/or the content itself. The content may be
presented in any form
or medium, and in various embodiments, the content may be delivered
electronically and/or
capable of being presented electronically. Moreover, examples of mobile device
communications
include texting, email, and mobile applications for smartphones.
A "consumer profile" or "merchant profile" or "consumer profile data" or
''merchant profile data"
may comprise any information or data about a consumer / merchant that
describes an attribute
associated with the consumer /merchant (e.g., a preference, an interest,
demographic
information, personally identifying information, and the like).
With various embodiments of this invention, the various system components
discussed herein
may include one or more of the following: a host server or other computing
systems including a
processor for processing digital data; a memory coupled to the processor for
storing digital data;
an input digitizer coupled to the processor for inputting digital data; an
application program
stored in the memory and accessible by the processor for directing processing
of digital data by
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the processor; a display device coupled to the processor and memory for
displaying information
derived from digital data processed by the processor; and a plurality of
databases. Various
databases used herein may include: client data; biometric data; merchant data;
financial
institution data; and/or like data useful in the operation of the system.
Various operating system
can be used to develop and maintain this invention / solution.
With various embodiments of this invention, the present system or any part(s)
or function(s)
thereof may be implemented using hardware, software or a combination thereof
and may be
implemented in one or more computer systems or other processing systems.
However, the
manipulations performed by embodiments were often referred to in terms, such
as matching or
selecting, which are commonly associated with mental operations performed by a
human
operator. No such capability of a human operator is necessary, or desirable in
most cases, in any
of the operations described herein. Rather, the operations may be machine
operations. Useful
machines for performing the various embodiments include general purpose
digital computers or
similar devices. The computer system includes one or more processors, such as
processor. The
processor is connected to a communication infrastructure that may include
various software
embodiments are described in terms of this exemplary computer system. After
reading this
description, it will become apparent to a person skilled in the relevant
art(s) how to implement
various embodiments using other computer systems and/or architectures.
Computer system can
include a display interface that forwards graphics, text, and other data from
the communication
infrastructure (or from a frame buffer not shown) for display on a display
unit.
With various embodiments of this invention, "Cloud" or "Cloud computing"
includes a model for
enabling convenient, on-demand network access to a shared pool of configurable
computing
resources (e.g., networks, servers, storage, applications, and services) that
can be rapidly
provisioned and released with minimal management effort or service provider
interaction. Cloud
computing may include location-independent computing, whereby shared servers
provide
resources, software, and data to computers and other devices on demand.
With various embodiments of this invention, one skilled in the art will also
appreciate that, for
security reasons, any databases, systems, devices, servers or other components
of the system may
consist of any combination thereof at a single location or at multiple
locations, wherein each
database or system includes any of various suitable security features, such as
firewalls, access
codes, encryption, decryption, compression, decompression, and/or the like.
Similarly, the
software elements of the system may be implemented with any programming or
scripting
languages.
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CA 3015041 2019-01-22
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