Biometric Terminal Authentication via Pre-staged Template Matching

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Solution Overview

Problem

Existing methods for user identification at terminals, such as ATMs, are time-consuming and prone to errors, especially when using tokens or biometric scans, and mobile devices introduce user error due to indirect actions required for QR code reading.

Innovation Solution

A method that pre-stages transactions using biometric identification, allowing users to authenticate via fingerprint or iris scans at terminals without full recognition analysis of all users, by determining active users within a specific region and comparing biometric parameters against pre-stored data to authorize transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If biometric recognition is performed at the terminal by comparing against all possible users, then user identification accuracy is improved, but processing time and data intensity increase significantly

Engineering Contradiction:

Improveuser identification accuracyVSAvoidprocessing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system pre-generates and stores biometric templates for all possible users before the recognition event. When a user presents their biometric data at the terminal, the system compares it against the pre-prepared templates rather than performing full recognition analysis during the transaction, thereby reducing processing time while maintaining identification accuracy

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The recognition process is divided into two phases: an offline phase where biometric templates are pre-generated and stored, and an online phase at the terminal where only comparison against pre-stored templates is performed. This segmentation allows computationally intensive operations to be performed in advance, reducing real-time processing requirements

Inventive Principle:

Principle #1Segmentation

2Reliability

If tokens such as bank cards are used for user identification, then user authentication is achieved, but the process becomes time-consuming and tokens can be lost or defaced

Engineering Contradiction:

Improveuser authenticationVSAvoidauthentication time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system replaces mechanical token-based authentication (physical cards and PINs) with biometric authentication using fingerprint or iris scanners. This substitution eliminates the need for physical tokens that can be lost or defaced, while the pre-computed template comparison approach ensures rapid authentication without time delays

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Adaptability or versatility

If mobile devices display QR codes for authentication, then user identification is enabled, but indirect user actions increase error probability and time consumption

Engineering Contradiction:

Improveauthentication method flexibilityVSAvoiduser operation simplicity

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The system replaces the multi-step mobile device QR code display and camera scanning process with direct biometric scanning at the terminal. The biometric scanner directly captures and compares user biometric data against pre-stored templates, eliminating indirect user actions and reducing both error probability and time consumption while maintaining authentication flexibility

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS10650378B2Customer verification

Publication Date: 2020.05.12 NCR VOYIX CORP

AI summary

A method and apparatus are disclosed for identifying a user. The method includes the steps of determining at least one biometric parameter associated with a user at a terminal, determining a plurality of active users associated with the terminal and comparing the determined biometric parameter with corresponding biometric parameters of the active users.