Biotransaction System Using Location and Biometric Segmentation
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Solution Overview
Problem
Biometric systems used in transactions are susceptible to risks of lost or stolen data, lacking enhanced functionality to mitigate these inconveniences.
Innovation Solution
A biotransaction system employing a server system, such as a computing cloud, to receive biometric information from a device, match it with user data, and facilitate transactions by exchanging information between database portions of the users, utilizing enhanced GPS location information and biometric authentication for secure financial transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If biometric systems are used to facilitate user authentication and data access, then user convenience and functionality are improved, but susceptibility to theft and hacking increases
Solution Approach 1:
The patent divides biometric authentication into multiple sequential steps (enrollment, verification, transaction authorization) and separates sensitive biometric template storage from transaction processing. The system segments authentication functions across multiple components including biometric sensors, template databases, and transaction processors, reducing the attack surface for any single component.
Solution Approach 2:
The system performs preliminary biometric template enrollment and verification before actual transactions occur. Biometric templates are pre-processed and stored in secure databases, and location-based access controls are pre-configured. This preliminary authentication ensures that only verified users can initiate transactions, preventing unauthorized access at the point of transaction.
2Speed
If biometric data is stored locally in tokens or devices, then authentication speed is improved, but security against loss and theft deteriorates
Solution Approach 1:
The patent extracts sensitive biometric template data from local storage devices and relocates it to secure remote databases. Only non-sensitive authentication tokens or references are stored locally, while the actual biometric templates reside in protected server environments. This extraction eliminates the security vulnerability of storing comprehensive biometric data on portable devices while maintaining fast local authentication through token verification.
Solution Approach 2:
The system introduces an intermediary authentication mechanism where local devices store simplified authentication credentials rather than complete biometric templates. These intermediaries (authentication tokens, references, or hashes) mediate between local storage constraints and remote security requirements, enabling fast local verification while maintaining secure remote biometric validation.
3Reliability
If conventional payment terminals are required for transactions, then transaction security is maintained, but system complexity and infrastructure requirements increase
Solution Approach 1:
The patent creates a universal biometric authentication system that can function across multiple transaction types and locations without requiring specialized payment terminals. The same biometric authentication infrastructure supports various transaction modes (contactless, location-based, remote), making the system multi-functional and reducing infrastructure complexity while maintaining security through consistent biometric verification protocols.
Solution Approach 2:
The system replaces physical payment terminals and mechanical card-swiping infrastructure with electronic biometric authentication mechanisms. Fingerprint scanners, facial recognition cameras, or other biometric sensors substitute for physical card readers, eliminating the need for specialized hardware terminals while maintaining transaction security through cryptographic verification of biometric data.
4Measurement precision
If location-based transaction control is implemented, then transaction precision and fraud prevention are improved, but system complexity increases
Solution Approach 1:
The system implements location-based control with varying degrees of precision depending on transaction requirements. For low-risk transactions, approximate location matching suffices, while high-value transactions require more precise location verification. This partial application of location verification reduces overall system complexity by applying rigorous location checks only where necessary rather than uniformly across all transactions.
Data Source
AI summary
A biotransaction system and method. An example method includes receiving a first signal from a first device that is positioned at a first location, wherein the first device includes a biometric scanner adapted to scan biometric information of a first user and to use scanned biometric information to facilitate generating the first signal; employing the first signal to match information associated with the first user to information associated with a second user based on the information associated with the second user, resulting in a match in response thereto; and exchanging information between a first portion of a database associated with the first user and a second portion of a database associated with a second user in response to the match.