Biometric E-Signature Identity Verification System

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Solution Overview

Problem

The lack of secure identity verification in online financial and insurance applications poses risks, especially for substantial monetary obligations, as existing methods lack robustness in confirming the identity of customers.

Innovation Solution

A system that utilizes biometric information, such as fingerprint or voice scans, to create a package of biometric data, which is compared to a registered package to verify the user's identity, allowing for the affixing of electronic or biometric signatures to documents, thereby enhancing security and authenticity.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Extent of automation

If username and password verification is used for e-signature, then the application process can be automated, but security is insufficient for substantial monetary obligations

Engineering Contradiction:

Improveapplication process automationVSAvoididentity verification security

Core Design Contradiction:

Extent of automationVSReliability

Solution Approach 1:

The patent replaces traditional mechanical authentication methods (username/password entry) with biometric authentication systems that capture physiological characteristics (fingerprints, facial recognition, voice patterns) to verify user identity, thereby enhancing security while maintaining automation

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces a digital signature intermediary system that acts as a trusted third party between the user and the financial institution, using cryptographic techniques and biometric verification to ensure secure, automated document signing without direct human intervention

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If biometric verification is implemented, then security is improved, but device complexity increases

Engineering Contradiction:

Improveidentity verification securityVSAvoidbiometric system complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent implements a universal biometric authentication framework that can handle multiple types of biometric data (fingerprints, facial recognition, voice patterns) through a single integrated system, allowing the same infrastructure to serve various authentication needs without requiring separate systems for each biometric modality

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent creates digital copies of biometric characteristics and stores them as cryptographic templates in a secure database, allowing verification to be performed by comparing new biometric scans against these stored digital replicas rather than requiring complex real-time analysis of raw biometric data

Inventive Principle:

Principle #26Copying

Data Source

PatentUS8924729B1Systems and methods for biometric E-signature

Publication Date: 2014.12.30 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

AI summary

A vendor system may allow a user to electronically sign documents. The vendor system may receive a package of biometric information from the user. In one embodiment, the vendor system may compare the received package of biometric information with a registered package of biometric information associated with the user. If the received package of biometric information matches the registered package of biometric information, the vendor system may sign a document with an electronic signature.