Biometric payment

Abstract

A biometric payment system device obtains a digital representation of a biometric, generates an abstract biometric identifier data structure using the digital representation of the biometric, receives a response from a biometric payment system based on a transmission of the abstract biometric identifier data structure, and completes a transaction based on the response. In some embodiments, a biometric payment system receives an abstract biometric identifier data structure from a biometric payment system device, generates a biometric template, determines an identity by providing the biometric template to a matching engine; and provides information associated with the identity to the biometric payment system device. In other embodiments, the biometric payment system determines a modality of the digital representation of the biometric, formats a biometric template for a matching engine, determines an identity using the matching engine, and provides information associated with the identity to the biometric payment system device.

What is claimed is: 
     
         1 . A credit card payment validation system, comprising:
 a communication unit;   a non-transitory storage medium that stores instructions; and   a processor, communicably coupled to the communication unit, that executes the instructions to:
 receive a credit card payment request for a transaction using the communication unit; 
 determine an identity using a received digital representation of a biometric that is included in a data structure; 
 verify that a credit card is associated with the identity; 
 obtain information based on the identity; and 
 provide a confirmation regarding acceptance of the credit card payment request using the communication unit. 
   
     
     
         2 . The credit card payment validation system of  claim 1 , wherein the processor processes a credit card payment using the credit card when the credit card payment request is accepted. 
     
     
         3 . The credit card payment validation system of  claim 1 , wherein the received digital representation of the biometric comprises an image of a fingerprint. 
     
     
         4 . The credit card payment validation system of  claim 1 , wherein the received digital representation of the biometric comprises an image of at least a portion of a face. 
     
     
         5 . The credit card payment validation system of  claim 1 , wherein the processor obtains information for the credit card that is stored for the identity. 
     
     
         6 . The credit card payment validation system of  claim 1 , wherein the processor uses the communication unit to contact an electronic device in order to perform a credit check on the identity. 
     
     
         7 . The credit card payment validation system of  claim 1 , wherein the processor determines the identity by comparing the received digital representation of the biometric to stored biometric data that is associated with the identity. 
     
     
         8 . A credit card payment validation system, comprising:
 a communication unit;   a non-transitory storage medium that stores instructions; and   a processor, communicably coupled to the communication unit, that executes the instructions to:
 receive a digital representation of a biometric that is included in a data structure, using the communication unit, associated with a credit card payment request; 
 receive biographical information, using the communication unit, associated with the credit card payment request; 
 verify that an identity associated with the digital representation of the biometric and the biographical information is authorized to use a credit card; and 
 process a payment for the credit card payment request using the credit card. 
   
     
     
         9 . The credit card payment validation system of  claim 8 , wherein:
 the digital representation of the biometric is a first digital representation of a first biometric;   the credit card payment request is a first credit card payment request;   the biographical information is first biographical information;   the identity is a first identity; and   the processor denies payment for a second credit card payment request when the processor is unable to verify that a second identity associated with a second digital representation of a second biometric and second biographical information is authorized to use a second credit card.   
     
     
         10 . The credit card payment validation system of  claim 8 , wherein the processor uses the communication unit to communicate with an electronic device to verify information. 
     
     
         11 . The credit card payment validation system of  claim 10 , wherein the processor verifies the information as part of validating the credit card payment request. 
     
     
         12 . The credit card payment validation system of  claim 8 , wherein the biographical information comprises at least one of a name, an age, a social security number, an address, or an annual income. 
     
     
         13 . The credit card payment validation system of  claim 8 , wherein the processor processes the payment by using the communication unit to communicate with a payment gateway. 
     
     
         14 . The credit card payment validation system of  claim 8 , wherein the processor:
 determines a risk score based on verifying that the identity associated with the digital representation of the biometric and the biographical information is authorized to use the credit card; and   processes the payment based on the risk score.   
     
     
         15 . A credit card payment validation system, comprising:
 a communication unit;   a non-transitory storage medium that stores instructions; and   a processor, communicably coupled to the communication unit, that executes the instructions to:
 receive a digital representation of a biometric that is included in a data structure, using the communication unit, associated with a credit card payment request; 
 receive personal data, using the communication unit, associated with the credit card payment request; 
 verify that an identity associated with the digital representation of the biometric and the personal data is authorized to use a credit card; 
 verify that a person associated with the identity possesses a physical item; and 
 provide a confirmation regarding acceptance of the credit card payment request using the communication unit. 
   
     
     
         16 . The credit card payment validation system of  claim 15 , wherein the physical item is a driver's license. 
     
     
         17 . The credit card payment validation system of  claim 15 , wherein the processor determines the identity associated with the digital representation of the biometric using a matching engine selected according to a modality of the digital representation of the biometric. 
     
     
         18 . The credit card payment validation system of  claim 15 , wherein the data structure includes the credit card payment request. 
     
     
         19 . The credit card payment validation system of  claim 15 , wherein the processor validates the identity. 
     
     
         20 . The credit card payment validation system of  claim 15 , wherein the processor uses the communication unit to communicate with an electronic device that performs payment throttling on the credit card.