SYSTEMS AND METHODS FOR CONSUMER AUTHENTICATION USING BEHAVIORAL BIOMETRICS

摘要

A computer-based method for consumer authentication of payment card transactions using behavioral biometrics uses a computer device including a processor and a memory. The method includes identifying behavioral biometric profile data of an approved cardholder that is approved to use a payment card issued by an issuer. The method also includes receiving behavioral biometric sample data of a suspect consumer collected during a payment card transaction in which the suspect consumer presents the payment card for use. The method further includes comparing the behavioral biometric sample data of the suspect consumer to the behavioral biometric profile data of the approved cardholder. The method also includes computing an authentication value based at least in part on the comparing. The method further includes authenticating the suspect consumer as the approved cardholder based at least in part on the authentication value.

主权项

1. A computer-based method for consumer authentication of payment card transactions using behavioral biometrics, the method using a computer device including a processor and a memory, said method comprising:
identifying behavioral biometric profile data of an approved cardholder that is approved to use a payment card issued by an issuer; receiving behavioral biometric sample data of a suspect consumer collected during a payment card transaction in which the suspect consumer presents the payment card for use; comparing the behavioral biometric sample data of the suspect consumer to the behavioral biometric profile data of the approved cardholder; computing an authentication value based at least in part on the comparing; and authenticating the suspect consumer as the approved cardholder based at least in part on the authentication value.