Behavioral Biometric Payments for Uninterrupted XR Transactions

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Solution Overview

Problem

The challenge in extended reality (XR) systems is to provide seamless and secure transaction processing within immersive environments while maintaining user authentication, as existing methods often disrupt the immersive experience and lack efficient biometric authentication solutions.

Innovation Solution

A computerized method using behavioral biometrics is employed to automatically capture and transform user biometric data into tokens, enabling secure user identification and authentication for accessing content and initiating transactions within XR systems, leveraging tokenization techniques to enhance security and efficiency.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods are used in XR systems, then security can be maintained, but the immersive experience is disrupted and user convenience deteriorates

Engineering Contradiction:
Improvetransaction securityVSAvoidimmersive experience continuity
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces traditional mechanical authentication systems (keyboards, mice, pop-up windows) with behavioral biometric authentication that operates through sensors tracking user behavior patterns. This substitution eliminates the need for users to exit or interrupt their immersive XR experience to provide authentication credentials, as the system continuously or periodically collects behavioral data (eye movements, head gestures, voice patterns) and processes it to verify identity and authorize transactions in the background.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system implements self-service authentication by automatically collecting behavioral biometric data from users during their natural XR interactions without requiring explicit user actions for authentication. The system autonomously processes this data to identify users, verify their identities, and authorize transactions, eliminating the need for manual authentication steps and allowing users to maintain their immersive experience uninterrupted.

Inventive Principle:
Principle #25Self-service

2Reliability

If multiple authentication steps are implemented, then security is improved, but transaction processing time increases

Engineering Contradiction:
Improveauthentication securityVSAvoidtransaction processing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent implements preliminary authentication by collecting and processing behavioral biometric data before transactions are initiated. The system continuously monitors user behavior patterns and pre-verify user identity during the XR session, so that when a transaction is requested, the authentication is already complete or can be rapidly finalized. This eliminates the need for time-consuming authentication steps at the point of transaction.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system maintains continuous authentication by periodically collecting behavioral biometric data throughout the XR session rather than requiring discrete authentication events. This continuous verification process ensures security is maintained while allowing transactions to be authorized immediately when needed, as the system already has current behavioral data to verify user identity without interruption or delay.

Inventive Principle:
Principle #20Continuity of useful action

3Measurement precision

If behavioral biometric data collection is performed continuously, then authentication accuracy is improved, but system resource consumption increases

Engineering Contradiction:
Improvebiometric authentication accuracyVSAvoidsystem processing resources
Core Design Contradiction:
Measurement precisionVSUse of energy by moving object

Solution Approach 1:

The patent implements periodic sampling of behavioral biometric data rather than continuous monitoring. The system collects behavioral data at strategically selected intervals during the XR session, analyzing patterns such as eye movements, head gestures, and voice characteristics at these periodic points. This approach maintains sufficient authentication accuracy by capturing enough behavioral samples to verify identity while significantly reducing the computational burden and energy consumption compared to truly continuous analysis.

Inventive Principle:
Principle #19Periodic action

Solution Approach 2:

The system applies partial action by collecting only the specific behavioral biometric data types needed for authentication (such as eye tracking, head movement, or voice patterns) rather than analyzing all possible user behaviors. This selective collection of relevant behavioral markers maintains authentication accuracy while minimizing resource consumption by focusing processing power only on the most discriminative and necessary behavioral features.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS20250225520A1Facilitating payments in an extended reality system based on behavioral biometrics
Publication Date: 2025.07.10 MASTERCARD INT INC
  • US20250225520A1 patent drawing
  • US20250225520A1 patent drawing
  • US20250225520A1 patent drawing

AI summary

The disclosure herein describes enabling transactions from within an extended reality (XR) system using behavioral biometrics. A user using the XR system is detected and behavioral biometric data of the user is automatically collected. A user profile is identified based on the biometric data, wherein the user profile is associated with a subset of content and payment data. Access to the content is provided to the user via the XR system. A transaction request is received that is associated with the content. Based on the transaction request, behavioral biometric data of the user is automatically collected again. The association between the biometric data and the user profile is verified. Based on verifying that the second biometric token is associated with the user profile, a transaction is initiated based on the transaction request, whereby a transaction processing entity is configured to authenticate the user based on the biometric data and facilitate the transaction.