公开(公告)号：US20220398595A1

公开(公告)日：2022-12-15

申请号：US17834683

申请日：2022-06-07

Applicant: MASTERCARD ASIA/PACIFIC PTE. LTD.

Inventor： TOBIAS PUEHSE ,  ABHINAVA SRIVASTAVA ,  MICHIHIKO YODEN

IPC: G06Q20/40 ,  G06Q20/08

Abstract: A method for biometric payments comprises: receiving biometric data obtained by a biometric reader device from a user who is registered for biometric payments with a merchant; determining a biometric identifier that is associated with the biometric data; determining a stored payment credential that is associated with the biometric identifier, wherein the stored payment credential is not stored by the merchant; determining a payment card number or payment token based on the stored payment credential; and generating an authorisation request message for processing by an issuer, wherein the authorisation request message comprises the payment card number or payment token, and a data element comprising an indication that the user was authenticated by a biometric authentication method.