Visa Inc.
Systems, methods, and computer program products for authorizing a transaction

Abstract:

Disclosed are methods for authorizing a transaction, including receiving a policy message, the policy message including a policy ruleset for determining whether a transaction is authorized and biometric parameters for a machine learning algorithm for authenticating an identity of a user involved in a transaction, receiving biometric measurement data associated with a biometric measurement of a user involved in the transaction, calculating an authentication score based on the biometric measurement data using the machine learning algorithm, wherein the authentication score includes an indication of whether an identity of the user is authenticated based on the biometric measurement data, determining whether the transaction satisfies the policy ruleset for determining authorization of the transaction, and transmitting a decision message, wherein the decision message includes an indication of whether the transaction satisfies the policy ruleset. Systems and computer program products are also disclosed.