Invention Grant
- Patent Title: Determining implicit transaction consent based on biometric data and associated context data
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Application No.: US15807390Application Date: 2017-11-08
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Publication No.: US11037153B2Publication Date: 2021-06-15
- Inventor: Rajat Maheshwari
- Applicant: MasterCard International Incorporated
- Applicant Address: US NY Purchase
- Assignee: MasterCard International Incorporated
- Current Assignee: MasterCard International Incorporated
- Current Assignee Address: US NY Purchase
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q20/32 ; G06Q20/38 ; G06Q30/06 ; G06K9/00 ; H04W4/02 ; G06F1/16 ; G06F21/32 ; G06N20/00

Abstract:
The disclosure facilitates a transaction by determining implicit consent for a transaction from a user by a wearable computing device. A request to complete the transaction is received, biometric data associated with the user is collected, and context data associated with the biometric data is received. In response to the request to complete the transaction, weighted values of the biometric data and the context data are generated based on defined consent rules. Upon the generated weighted values satisfying one or more consent thresholds, implicit consent is determined for the transaction from the user, whereby completion of the transaction is enabled. Accurately determining implicit consent of a user for a transaction based on the user's biometric data streamlines the transaction process into an efficient, user-friendly experience for the user while maintaining the security of the user's identity and account information.
Public/Granted literature
- US20190139050A1 DETERMINING IMPLICIT TRANSACTION CONSENT BASED ON BIOMETRIC DATA AND ASSOCIATED CONTEXT DATA Public/Granted day:2019-05-09
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