Systems and methods for biometrically authenticated multi-account access
Biometrically authenticated centralized access using a reference biometric identifier (RBI) and biometric data packet (BDP) verification addresses the vulnerabilities of challenge-response schemes, providing secure access to multiple accounts.
WO2026122373A1PCT designated stage Publication Date: 2026-06-11CAPITAL ONE SERVICES LLC
Patent Information
- Authority / Receiving Office
- WO · WO
- Patent Type
- Applications
- Current Assignee / Owner
- CAPITAL ONE SERVICES LLC
- Filing Date
- 2025-11-26
- Publication Date
- 2026-06-11
AI Technical Summary
⚠Technical Problem
Existing account-linking platforms rely on challenge-response authentication schemes that are susceptible to fraudulent operations, failing to provide strong user identity verification.
⚗Method used
Implement biometrically authenticated centralized access by generating a reference biometric identifier (RBI) from user biometric data, which is transmitted to a central server for verification against a biometric data packet (BDP) during transactions, ensuring secure access to multiple accounts.
🎯Benefits of technology
Enhances user identity verification through biometric authentication, reducing fraudulent activities and ensuring secure access to multiple user accounts across participating service providers.
✦ Generated by Eureka AI based on patent content.
Smart Images
Figure US2025057186_11062026_PF_FP_ABST
Abstract
The disclosed systems and methods are directed to an implementation of a biometrically authenticated centralized access to multiple accounts, via an account-linking platform. The described implementation involves generation, of a reference biometric identifier (RBI) from biometric data scanned from a user associated with a user account stored by the first server. The implementation may further comprise transmission of the generated RBI, to a central server linking a plurality of account servers. The implementation may further comprise generation, by the first device, a biometric data packet (BDP) from biometric data captured from the user, and transmission of the same to the central server. A verification of the BPD, may then be carried out by the central center, based on determining a match between the BDP received from the first device and the RBI received from the first server.
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