Visa Inc.
System, method, and computer program product for authenticating user activity based on biometric data

Abstract:

A computer-implemented method for authenticating user activity based on biometric data includes receiving a transaction request; determining that the transaction request is associated with a potentially fraudulent transaction; communicating a transaction response, the transaction response including instructions to resend the transaction request after a predetermined time period; before the predetermined time period elapses, communicating an identification confirmation request and receiving an identification confirmation response including biometric data from a computing device; after the predetermined time period elapses, receiving the resent transaction request; based on receiving the resent transaction request, determining an authorization decision based at least partially on the biometric data; and based on the resent transaction request, communicating a second transaction response including the authorization decision. A system and computer program product are also disclosed.