US 11,816,665 B2
Method and system for multi-modal transaction authentication
Steven V. Bacastow, Cumming, GA (US)
Assigned to STRIPE, INC., San Francisco, CA (US)
Filed by STRIPE, INC., San Francisco, CA (US)
Filed on Sep. 24, 2021, as Appl. No. 17/483,998.
Application 17/483,998 is a continuation of application No. 16/718,861, filed on Dec. 18, 2019, granted, now 11,501,298.
Application 16/718,861 is a continuation of application No. 15/827,606, filed on Nov. 30, 2017, granted, now 11,068,890, issued on Jul. 20, 2021.
Application 15/827,606 is a continuation of application No. 14/581,471, filed on Dec. 23, 2014, granted, now 9,852,426, issued on Dec. 26, 2017.
Application 14/581,471 is a continuation in part of application No. 14/035,160, filed on Sep. 24, 2013, granted, now 9,159,061, issued on Oct. 13, 2015.
Application 14/035,160 is a continuation of application No. 12/390,003, filed on Feb. 20, 2009, granted, now 8,577,804, issued on Nov. 5, 2013.
Claims priority of provisional application 61/190,743, filed on Sep. 2, 2008.
Claims priority of provisional application 61/130,306, filed on May 29, 2008.
Claims priority of provisional application 61/050,724, filed on May 6, 2008.
Claims priority of provisional application 61/066,416, filed on Feb. 20, 2008.
Prior Publication US 2022/0012740 A1, Jan. 13, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/40 (2012.01); G06Q 20/26 (2012.01); G06Q 20/02 (2012.01); G06Q 20/34 (2012.01); G06Q 20/32 (2012.01); G06Q 20/42 (2012.01)
CPC G06Q 20/4012 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/26 (2013.01); G06Q 20/322 (2013.01); G06Q 20/356 (2013.01); G06Q 20/40 (2013.01); G06Q 20/405 (2013.01); G06Q 20/425 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for processing a secure mobile payment transaction conducted at a location of a merchant comprising:
receiving, from a point-of-sale device at the location of a merchant, mobile payment data that is associated with the secure mobile payment transaction, which is initiated after a registration event, and comprising a payment account number transmitted from a registered mobile device of a consumer;
transmitting, from a mobile wallet system to the registered mobile device, an approval request;
receiving, at the mobile wallet system from the registered mobile device of the consumer, an indication indicating the consumer has approved the secure mobile payment transaction;
analyzing, by the mobile wallet system, the mobile payment data received from the point-of-sale device to identify the mobile payment data as comprising the payment account number;
upon identifying the mobile payment data as comprising the payment account number,
receiving, at a secure payment computing device, the payment account number associated with the secure mobile payment transaction;
determining, by the secure payment computing device, mobile device information associated with the payment account number;
sending an authentication request from the secure payment computing device to the registered mobile device;
receiving, at the secure payment computing device from the registered mobile device, an authentication response, the authentication response comprising biometric-related information indicating that a registered user has approved the payment transaction using at least one or more fingerprint biometric factors corresponding to a fingerprint captured contemporaneously when the registered user touches a position on a user interface of the registered mobile device, the fingerprint biometric factors received by a biometric signal handler of the registered mobile device and validated on the mobile device by comparing the one or more fingerprint biometric factors to previously registered fingerprint biometric factors stored on a file system or secure element of the mobile device, wherein a first fingerprint biometric factor is captured when the registered user's first finger touches a position of the user interface;
authenticating the transaction based on biometric-related information received at the secure payment computing device matching previously stored information at the secure payment computing device;
in response to authenticating the transaction, transmitting at least a portion of the mobile payment data to a secure payment network for processing; and
after transmitting the mobile payment data to the secure payment network for processing, transmitting, by the mobile wallet system, a payment confirmation to the point-of-sale device at the location of the merchant.