Dynamic Biometric Authentication for Fraud-Resistant Transactions
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Solution Overview
Problem
Static biometric factors are easily forgeable, compromising the security of identity authentication in financial transactions.
Innovation Solution
A system and method that utilizes dynamic biometric factors, such as body temperature, heart rhythm, blood pressure, vein pattern, skin pore pattern, and voice recognition, to create a unique biometric profile over time, combined with other authentication determinations like purchase patterns and location, to generate an overall identity authentication score.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If static biometric factors are used for authentication, then the authentication process is simple and quick, but the security is compromised because they are easy to forge
Solution Approach 1:
The patent transitions from static biometric factors to dynamic biometric factors that change over time. The system collects biometric data continuously and creates time-varying profiles, making authentication more secure while maintaining operational simplicity through automated processing.
Solution Approach 2:
The system performs preliminary data collection and profile creation before authentication is needed. By continuously gathering biometric data and establishing baseline profiles in advance, the system prepares security parameters beforehand, enabling rapid authentication decisions without compromising security.
2Reliability
If dynamic biometric factors are collected and analyzed over time, then authentication security is improved, but the system complexity increases
Solution Approach 1:
The system performs self-service through automated data collection, processing, and authentication decisions. The automated analysis of dynamic biometric factors and generation of authentication scores reduces the need for manual intervention, offsetting the increased system complexity with operational automation.
Solution Approach 2:
The system implements continuous feedback loops where biometric data is collected, analyzed against established profiles, and used to generate authentication scores. This feedback mechanism enables adaptive security decisions while managing complexity through systematic processing of multiple data points over time.
3Measurement precision
If multiple biometric factors and authentication determinations are combined, then the overall authentication accuracy is improved, but the processing time and computational resources increase
Solution Approach 1:
The system uses multiple biometric factors and authentication determinations to achieve high accuracy. By combining multiple data sources including dynamic biometric factors, purchase patterns, and location data, the system obtains excessive information that can be processed to generate comprehensive authentication scores with high precision.
Data Source
AI summary
A system and method for authenticating identity during a financial transaction based, in part, on dynamic biometric factors such as body temperature, heart rhythm, blood pressure, blood sugar, vein pattern, skin pore pattern, and voice recognition. The biometric values are captured, aggregated, and patterned over time to create a unique biometric profile. When a transaction is initiated, current biometric values are captured and compared to the biometric patterns, and a biometric authentication determination is made based on the results. An overall identity authentication score is generated based on a combination of the biometric authentication determination and other identity authentication determinations such as a purchase pattern authentication determination or a location authentication determination. An identity authentication determination is made based on the overall identity authentication score and communicated to the merchant. Further, the transaction may be rejected when the overall identity authentication score violates a pre-established fraud threshold value.