Dynamic Biometric Template from Social Media for Fraud Reduction
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Solution Overview
Problem
Existing biometric authentication systems in the consumer transaction service industry face challenges with static biometric templates that do not account for user changes due to age or activity, making them vulnerable to identity fraud, and storing templates on payment servers can lead to security compromises.
Innovation Solution
A dynamic biometric authentication system that generates and updates a biometric template based on social media content, allowing for real-time verification by comparing user-provided biometric data with a template reflecting changes in the user's social media activity, with the ability to store and update this template on user devices or social media servers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a static biometric template is stored on the user device for authentication, then the authentication process is simplified and fast, but the system becomes vulnerable to fraud since the template cannot be updated when the user's biometric characteristics change
Solution Approach 1:
The patent transforms the static biometric template into a dynamic one by continuously updating it with new biometric data from social media sources. The template evolves over time to reflect changes in the user's biometric characteristics, ensuring both ease of operation and reliability in identity verification.
Solution Approach 2:
The system implements feedback mechanisms by continuously monitoring social media content containing biometric data and using this information to update the stored template. This feedback loop ensures the template remains current and accurate without requiring manual intervention from the user.
2Device complexity
If a static biometric template is used for authentication, then the system is simpler to implement, but it fails to adjust or update based on user changes due to age or activity
Solution Approach 1:
The patent makes the biometric template dynamic by automatically updating it with new biometric data captured from social media content. This allows the system to adapt to user changes over time while maintaining relatively simple implementation through automated processes.
Solution Approach 2:
The system performs self-updating by automatically capturing biometric data from social media sources and regenerating the template without requiring user action. This self-service mechanism maintains adaptability while keeping the system simple to implement.
3Reliability
If biometric data is stored on a payment transaction server or merchant computer for authentication, then centralized verification is enabled, but the system becomes prone to compromise thus destroying any protection
Solution Approach 1:
The patent extracts the biometric template storage from the payment transaction server and places it on the user's own device. This extraction removes the sensitive biometric data from vulnerable centralized servers while maintaining the ability to perform verification through the distributed authentication system.
Solution Approach 2:
The system introduces the user device as an intermediary that holds and protects the biometric template locally. This intermediary approach allows centralized verification functionality while distributing the sensitive data storage to a more secure location under user control.
4Reliability
If a revocable biometric template generated from social media content is used, then the system adapts to user changes and reduces fraud risk, but the system complexity increases
Solution Approach 1:
The system automatically generates and updates the biometric template from social media content without requiring manual user input or complex administrative processes. This self-service approach enhances fraud protection while keeping the system relatively simple by leveraging existing social media data sources.
Solution Approach 2:
The patent leverages the existing social media platform's data collection and processing capabilities to generate biometric templates. This multi-functionality approach uses the social media system's existing infrastructure for a new authentication purpose, reducing overall system complexity.
Data Source
AI summary
Techniques described herein include systems and methods for biometric authentication utilizing a dynamically updated biometric template derived from social media content of a user. In some embodiments, a service provider computer receives an authentication request that comprises biometric data provided by the user utilizing a user device. Social media content associated with the user may be received by the service provider computer from a social network service computer. In embodiments, the service provider computer may generate a biometric template for the user based on the received social media content where the biometric template is continually updated based on new social media content shared by the user. The service provider computer may determine a confidence score based on a comparison of the biometric data and the biometric template. The service provider computer may verify the authentication request for the user based at least in part on the confidence score.