Biometric User Authenticator for Digital Transaction Processing
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Solution Overview
Problem
Existing systems for processing digital transactions are inefficient due to the need for extensive user-provided information, duplication of effort, and lack of trust among isolated devices, leading to delays and increased complexity.
Innovation Solution
A system that uses a user authenticator and processor to validate users through biometric data, aggregate necessary information from trusted data sources, and communicate it to a processing system, reducing the need for user-provided information and eliminating redundant processes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If isolated devices with proprietary formats are used for processing transaction information, then each device can independently validate information, but the system complexity increases significantly and processing time is delayed
Solution Approach 1:
The patent merges multiple isolated devices into a unified cloud-based platform that consolidates data processing, validation, and transaction management functions. This integration eliminates the need for separate proprietary validation systems while maintaining security through centralized trust management and standardized protocols.
Solution Approach 2:
The cloud-based platform provides universal data processing capabilities that can handle multiple transaction types and data formats through standardized interfaces. The system performs validation, aggregation, and processing functions in a single multi-functional environment, replacing multiple specialized isolated devices.
2Reliability
If isolated devices perform independent validation of received information, then information security is maintained, but processing delays increase and effort is duplicated
Solution Approach 1:
The patent introduces a cloud-based platform as an intermediary that centralizes validation and trust management functions. This mediator performs security checks and data verification once, then shares validated information across the system through standardized protocols, eliminating redundant validation efforts while maintaining security.
Solution Approach 2:
The system implements feedback mechanisms where validation results and trust assessments are communicated back to participating devices. This allows validated information to be reused without repeating the same validation processes, improving processing speed while maintaining security through established trust relationships.
3Ease of operation
If information is duplicated across isolated devices, then each device has access to required data, but storage requirements increase and processing efficiency decreases
Solution Approach 1:
The patent consolidates data storage in a centralized cloud-based platform where information is stored once and made accessible to multiple devices through standardized interfaces. This eliminates the need for duplicating data across isolated devices while maintaining data accessibility through the unified platform.
Solution Approach 2:
The cloud platform acts as an intermediary data repository that provides centralized storage and distributed access. Devices can retrieve required information from this central location without needing local copies, reducing overall storage requirements while maintaining ease of operation through standardized data access protocols.
4Reliability
If extensive user-provided information is required for transactions, then complete transaction data can be obtained, but the process becomes arduous and time-consuming
Solution Approach 1:
The system performs preliminary data aggregation and validation by automatically retrieving information from trusted data sources before the transaction process begins. This preliminary action reduces the amount of information users need to provide manually, completing data collection in advance while ensuring transaction completeness through pre-validation.
Solution Approach 2:
The patent implements self-service capabilities where the system automatically retrieves and validates transaction information from trusted sources without requiring extensive user input. Users only need to provide essential information while the system handles data aggregation, validation, and completion processes autonomously, significantly reducing processing time while maintaining completeness.
Data Source
AI summary
A system for processing a digital transaction includes a user authenticator, a processor in communication with the user authenticator, and non-transitory computer readable media that stores instruction code. The user authenticator is configured to receive biometric data associated with a user from a sensor. The sensor corresponds to at least one of: an image sensor, a finger print sensor, a motion sensor, a user interaction pattern sensor, and an infrared image sensor. The user authenticator is further configured to receive user identifying information and to determine whether the biometric data associated with the user is associated with the user identifying information to thereby validate the user. If the user is validated, the user authenticator is configured to generate user credentials associated with the user. The instruction code is executed by the processor and causes the processor to receive, from a user terminal, the user credentials. If the user credentials are valid, the processor determines different categories of information required to process the digital transaction; determines one or more data source systems that store information related to the different categories of information and the user identifying information; aggregates, from one or more data source systems, the information associated with the user identifying information; and communicates the aggregated information to a processing system to thereby process the digital transaction.