Simultaneous multi-factor authentication systems and methods for payment transactions

Abstract

According to some embodiments, an authentication server may receive first and second biometric user data from a writing device. The writing device may, according to some embodiments, have a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data. The authentication server may also receive a user identifier input by the user via the writing device and verify that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input. The authentication server may then determine a payment identifier associated with payment account and transmit a payment authorization indication associated with the determined payment identifier.

What is claimed is: 
     
         1 . A computer-implemented method, comprising:
 receiving, at an authentication server, first and second biometric user data from a writing device, the writing device having a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data;   receiving, at the authentication server, a user identifier input by the user via the writing device;   verifying, by the authentication server, that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input;   determining a payment identifier associated with payment account; and   transmitting a payment authorization indication associated with the determined payment identifier.  15     
     
     
         2 . The method of  claim 1 , wherein the first biometric user data comprises fingerprint information and the second biometric user data comprises palm vein sensor information. 
     
     
         3 . The method of  claim 1 , wherein the payment account is associated with at least one of: (i) a credit card account, (ii) a debit card account, (iii) a bank account, and (iv) a pre-paid card account. 
     
     
         4 . The method of  claim 1 , wherein the user identifier comprises at least one of: (i) a personal identification number, (ii) a signature, (iii) a password, and (iv) a drawing. 
     
     
         5 . The method of  claim 1 , further comprising:
 receiving, at the authentication server, pressure information associated with the writing device; and   verifying, by the authentication server, that the pressure information is consistent with the user.   
     
     
         6 . The method of  claim 1 , further comprising:
 receiving, at the authentication server, position information associated with the writing device; and   verifying, by the authentication server, that the position information is consistent with the user.   
     
     
         7 . The method of  claim 1 , wherein one of the first and second biometric user information comprises: (i) facial information, (ii) retina information, (iii) DNA information, (iv) palm print data, (v) hand geometry information, (vi) iris recognition, and (vii) voice data. 
     
     
         8 . The method of  claim 1 , wherein the writing device is associated with at least one of: (i) a point of sale device, (ii) a pen, (iii) a touchscreen, (iv) a computer mouse, and (v) a television controller. 
     
     
         9 . The method of  claim 1 , further comprising, prior to said receiving:
 registering the user with the authentication server, including a storage of user biometric information in association with the payment account.   
     
     
         10 . A non-transitory, computer-readable medium having stored therein instructions that, upon execution, cause a computer processor to perform a method, the method comprising:
 receiving, at an authentication server, first and second biometric user data from a writing device, the writing device having a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data;   receiving, at the authentication server, a user identifier input by the user via the writing device;   verifying, by the authentication server, that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input;   determining a payment identifier associated with payment account; and   transmitting a payment authorization indication associated with the determined payment identifier.   
     
     
         11 . The medium of  claim 10 , wherein the first biometric user data comprises fingerprint information and the second biometric user data comprises palm vein sensor information. 
     
     
         12 . The medium of  claim 10 , wherein the payment account is associated with at least one of: (i) a credit card account, (ii) a debit card account, (iii) a bank account, and (iv) a pre-paid card account. 
     
     
         13 . The medium of  claim 10 , wherein the user identifier comprises at least one of: (i) a personal identification number, (ii) a signature, (iii) a password, and (iv) a drawing. 
     
     
         14 . The medium of  claim 10 , further comprising:
 receiving, at the authentication server, pressure and position information associated with the writing device; and   verifying, by the authentication server, that the pressure and position information is consistent with the user.   
     
     
         15 . The medium of  claim 10 , wherein one of the first and second biometric user information comprises: (i) facial information, (ii) retina information, (iii) DNA information, (iv) palm print data, (v) hand geometry information, (vi) iris recognition, and (vii) voice data. 
     
     
         16 . The medium of  claim 10 , wherein the writing device is associated with at least one of: (i) a point of sale device, (ii) a pen, (iii) a touchscreen, (iv) a computer mouse, and (v) a television controller. 
     
     
         17 . The medium of  claim 10 , further comprising, prior to said receiving:
 registering the user with the authentication server, including a storage of user biometric information in association with the payment account.   
     
     
         18 . A system, comprising:
 a biometric user database storing biometric data about a plurality of users;   a payment account database storing payment account information about the plurality of user;   a communication port to receive: (i) first and second biometric user data from a writing device, the writing device having a plurality of spatially alternating sensors, including a plurality of sensors of a first type to read the first biometric user data and a plurality of sensors of a second type to read the second biometric user data; and (ii) a user identifier input by the user via the writing device; and   an authentication server coupled to the biometric user database, the payment account database, and the communication port to: (i) verify, based on information in the biometric user database, that the first and second biometric user data are consistent with the user and that the user has a payment account associated with the user identifier input; (ii) determine, based on information in the payment account database, a payment identifier associated with payment account; and (iii) transmit a payment authorization indication associated with the determined payment identifier.   
     
     
         19 . The system of  claim 18 , wherein the first biometric user data comprises fingerprint information and the second biometric user data comprises palm vein sensor information. 
     
     
         20 . The system of  claim 18 , wherein the payment account is associated with at least one of: (i) a credit card account, (ii) a debit card account, (iii) a bank account, and (iv) a pre-paid card account. 
     
     
         21 . The system of  claim 18 , wherein the user identifier comprises at least one of: (i) a personal identification number, (ii) a signature, (iii) a password, and (iv) a drawing. 
     
     
         22 . The system of  claim 18 , wherein the writing device is associated with at least one of: (i) a point of sale device, (ii) a pen, (iii) a touchscreen, (iv) a computer mouse, and (v) a television controller.