BIOMETRIC-BASED TRANSACTION FRAUD DETECTION

摘要

A method of identifying potentially fraudulent electronic transactions at one of a plurality of electronic transaction devices involves the transaction device receiving a transaction request for an electronic transaction. The request includes an authentication credential and a biometric credential sample. The transaction device queries a transaction history with the biometric sample and the authentication credential for electronic transactions initiated within a geographic region of the transaction device. Upon the result including no entry corresponding to the biometric sample, or an entry comprising the biometric sample in association with the authentication credential, the transaction device transmits to a computer server for entry into the transaction history an entry comprising the biometric sample in association with the authentication credential, and initiates completion of the transaction. Otherwise, the transaction device transmits the new entry to the computer server and generates an alarm signal identifying the electronic transaction as potentially fraudulent.