Biometric PIN Authentication for Network Transaction Security
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Solution Overview
Problem
Existing authentication methods for payment accounts are often cumbersome and prone to fraud, as they rely on single biometrics or PINs that can be easily simulated or stolen.
Innovation Solution
The system uses biometric personal identification numbers (PINs) that combine multiple biometrics in sequence, where each biometric is assigned a character, and biometric readers capture multiple biometrics simultaneously to verify a unique PIN for transaction authentication, enhancing security by requiring a sequence of biometric inputs.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If single biometric or PIN is used for authentication, then the authentication process is simple and quick, but the security is weak and prone to fraud
Solution Approach 1:
The patent combines multiple biometrics (e.g., fingerprint, facial recognition, iris scan) into a single authentication process, creating a multi-factor biometric system. This merging of multiple authentication methods enhances security while maintaining a unified user experience, resolving the contradiction between security and complexity.
Solution Approach 2:
The authentication system uses composite biometric data structures that combine multiple biometric types and PIN elements into a single authenticated credential. This composite approach creates a more secure authentication mechanism without requiring the user to manage multiple separate authentication processes.
2Reliability
If multiple numerical PINs are required for different transactions, then the security is improved, but the ease of operation deteriorates due to memory burden
Solution Approach 1:
The system automatically manages multiple PINs and biometric combinations without requiring user intervention. The authentication engine dynamically selects and applies the appropriate PIN-biometric pairing based on transaction characteristics, eliminating the need for users to remember multiple PINs while maintaining high security.
Solution Approach 2:
The authentication system dynamically adapts the authentication method based on transaction risk levels and user behavior patterns. Instead of requiring all users to remember multiple PINs, the system dynamically applies different authentication combinations, making the process convenient for low-risk transactions while maintaining security for high-risk ones.
3Measurement precision
If biometric data is stored centrally for verification, then the authentication accuracy is improved, but the risk of data breach and fraud increases
Solution Approach 1:
The patent segments biometric data into multiple encrypted components distributed across different secure locations. Instead of storing complete biometric templates in a single central database, the system divides biometric data into segments that are verified through distributed authentication engines, reducing the impact of potential breaches while maintaining verification accuracy.
Solution Approach 2:
The system introduces encrypted authentication tokens and intermediate verification layers between the biometric data and the verification process. These intermediaries protect the underlying biometric data while enabling accurate verification, acting as a security buffer that prevents direct access to sensitive biometric information.
Data Source
AI summary
Systems and methods are provided for authenticating a user in connection with a network transaction by the user, based on a biometric combination for the user. One exemplary method includes receiving an authorization request for a network transaction by a user where the authorization request includes biometric data representing at least first and second biometrics of the user. The method also includes converting the biometric data to a personal identification number (PIN) specific to the biometric data, where the first biometric is converted to a first character of the PIN and the second biometric is converted to a second character of the PIN. The method further includes appending the PIN to the authorization request and transmitting the authorization request to an issuer, thereby permitting the issuer to approve or decline the network transaction based, at least in part, on the PIN included in the authorization request.