View source for 18059424. AUTHENTICATION FOR BIOMETRIC CHECKOUT USING RBA MODELING simplified abstract (MASTERCARD INTERNATIONAL INCORPORATED)

=AUTHENTICATION FOR BIOMETRIC CHECKOUT USING RBA MODELING=


==Organization Name==

[[:Category:MASTERCARD INTERNATIONAL INCORPORATED|MASTERCARD INTERNATIONAL INCORPORATED]]


[[Category:MASTERCARD INTERNATIONAL INCORPORATED]]

==Inventor(s)==

[[:Category:Patrik Smets of Begijnendijk (BG)|Patrik Smets of Begijnendijk (BG)]][[Category:Patrik Smets of Begijnendijk (BG)]]

[[:Category:Qing Cao of Purchase NY (US)|Qing Cao of Purchase NY (US)]][[Category:Qing Cao of Purchase NY (US)]]

[[:Category:Craig Alan Gilbert of Chesterfield MO (US)|Craig Alan Gilbert of Chesterfield MO (US)]][[Category:Craig Alan Gilbert of Chesterfield MO (US)]]

==AUTHENTICATION FOR BIOMETRIC CHECKOUT USING RBA MODELING - A simplified explanation of the abstract==


This abstract first appeared for US patent application 18059424 titled 'AUTHENTICATION FOR BIOMETRIC CHECKOUT USING RBA MODELING

==Simplified Explanation==

The patent application describes a system and method for authenticating payment transactions using a risk-based analysis model when multiple payment accounts are identified by input biometric data. The system generates confidence scores for each identified payment account based on context data associated with the payment transaction, selects the payment account with the highest confidence score, and authenticates it for use in processing the payment transaction.

* Biometric data is used to identify multiple user payment accounts.
* Context data associated with the payment transaction is used to generate confidence scores for each payment account.
* The payment account with the highest confidence score is selected for authentication.
* The selected payment account is authenticated for use in processing the payment transaction.

== Potential Applications ==
This technology could be applied in the financial industry for secure and efficient payment processing, as well as in other industries where biometric authentication is required for user verification.

== Problems Solved ==
This technology solves the problem of ensuring that payment transactions are performed on the correct payment account when multiple accounts are associated with a user's biometric data.

== Benefits ==
The benefits of this technology include increased security in payment transactions, improved user experience through streamlined authentication processes, and reduced risk of fraudulent transactions.

== Potential Commercial Applications ==
* Secure payment processing systems
* Biometric authentication solutions for financial institutions

== Possible Prior Art ==
There may be prior art related to biometric authentication systems for payment transactions, but specific examples are not provided in the patent application.

== Unanswered Questions ==
=== How does the system handle cases where the confidence scores for multiple payment accounts are similar? ===
The system may have a predefined rule or algorithm to address cases where the confidence scores for multiple payment accounts are close, such as prompting the user for additional verification.

=== What measures are in place to protect the biometric data and ensure user privacy? ===
The patent application does not provide detailed information on the security measures implemented to protect the biometric data used for authentication purposes.


==Original Abstract Submitted==

A system and method authenticate payment transactions using risk based analysis modeling when multiple payment accounts are identified by input biometric data. An authentication request includes the biometric data associated with a user. Multiple user payment accounts associated with the biometric data are identified. A confidence score is generated for each of the multiple user payment accounts based on context data associated with the payment transaction. The payment account with the highest confidence score is selected. The selected payment account is authenticated for use in processing the payment transaction to ensure payment transactions are performed on the correct payment account.



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