Biometrics transaction processing

Abstract

Embodiments of the invention are directed to systems and methods for biometrics transaction processing. A location of a device associated with a user may be determined. A reference to a biometric data model associated with the user stored within a database may be retrieved, based at least in part on the location. Biometric data may be received from the user. Using the reference, the biometric data may be compared to the biometric data model stored within the database. A determination may be made whether the user is authenticated for the transaction based on the comparing step.

What is claimed is: 
     
         1 . A method for authenticating a user for a transaction, comprising:
 receiving, at a server computer, a communication indicative of a communication device associated with the user entering a location within a virtual perimeter;   in response to receiving the communication, retrieving, via the server computer, a reference for accessing a biometric data model associated with the user before the transaction is initiated by the user;   using, via the server computer, the reference to access the biometric data model stored in the database;   receiving, at the server computer, biometric data of the user;   comparing, at the server computer, the received biometric data to the biometric data model to determine whether the user is authenticated for the transaction,   wherein the biometric data model is accessed before receiving the biometric data from the user and before the transaction is initiated.   
     
     
         2 . The method of  claim 1 , further comprising transmitting a result of the comparison to another computer. 
     
     
         3 . The method of  claim 1 , wherein the database is a first database and the server computer copies the biometric data model from the first database to a second database, and wherein the biometric data model being compared with the received biometric data is retrieved by the server computer from the second database. 
     
     
         4 . The method of  claim 1 , wherein comparing the received biometric data to the biometric data model comprises determining a match score based at least in part on the comparison. 
     
     
         5 . The method of  claim 1 , wherein the reference is retrieved using user identifying data in the communication, the user identifying data including a phone number, primary account number, SIM card number, IMEI number, or token. 
     
     
         6 . The method of  claim 1 , further comprising updating the biometric data model with the received biometric data. 
     
     
         7 . The method of  claim 1 , wherein the biometric data model is based on a plurality of biometric data previously received from the user. 
     
     
         8 . The method of  claim 1 , wherein a risk score associated with the biometric data model is reduced when the user is authenticated. 
     
     
         9 . The method of  claim 1 , wherein the database is a mobile network operator database. 
     
     
         10 . The method of  claim 1 , wherein the biometric data includes one or more of fingerprint data, facial recognition data, or voice data. 
     
     
         11 . A server computer comprising:
 a processor; and   a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code, executable by the processor to implement operations including:
 receiving a communication indicative of a communication device associated with the user entering a location within a virtual perimeter; 
 in response to receiving the communication, retrieving a reference for accessing a biometric data model associated with the user before the transaction is initiated by the user; 
 using the reference to access the biometric data model stored in the database; 
 receiving biometric data of the user; 
 comparing the received biometric data to the biometric data model to determine whether the user is authenticated for the transaction, 
 wherein the biometric data model is accessed before receiving the biometric data from the user and before the transaction is initiated. 
   
     
     
         12 . The server computer of  claim 11 , wherein the reference is retrieved using user identifying data in the communication, the user identifying data including a phone number, primary account number, SIM card number, IMEI number, or token. 
     
     
         13 . The server computer of  claim 11 , wherein the communication device is a phone. 
     
     
         14 . The server computer of  claim 11 , wherein the communication device comprises a location sensor. 
     
     
         15 . The server computer of  claim 11 , further the biometric data of the user is received via the communication device. 
     
     
         16 . The server computer of  claim 11 , further comprising updating the biometric data model with the received biometric data. 
     
     
         17 . The server computer of  claim 11 , wherein the biometric data model is based on a plurality of biometric data previously received from the user. 
     
     
         18 . The server computer of  claim 11 , wherein a risk score associated with the biometric data model is reduced when the user is authenticated. 
     
     
         19 . The server computer of  claim 11 , wherein the database is a mobile network operator database. 
     
     
         20 . The server computer of  claim 11 , wherein the biometric data includes one or more of fingerprint data, facial recognition data, or voice data.