October 21, 2015 -
Filed on June 25 and published on October 15, the patent application details a method in which an online store sends an online account token associated with an “electronic device or to a biometric sensing device” (presumably an iPhone, as evidenced by the diagram) after the user successfully enters his or her password.
The device can countersign the online account token after one or more biometric images match the biometric images on file and the password matches the user identifier data stored in the device.
Once this is completed, the countersigned online account token is sent to the online store, enabling the user to make one or more purchases.
The two-factor biometric authentication process could potentially improve the security of Apple Pay, which currently allows users of iPhone’s Touch ID fingerprint sensor to verify their identity for authorizing retail purchases in stores.
Previously reported, Apple has patented its Touch ID fingerprint sensor for potential integration into a future MacBook.