Mobile Signature and Biometric Authorization for Secure Transactions

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Solution Overview

Problem

Traditional authentication methods for financial transactions, such as passwords and security codes, are vulnerable to forgetting, sharing, or theft, necessitating a more secure form of authorization.

Innovation Solution

A computing system that receives a user signature via a secure communication channel, initiates a signature authorization process, and upon verification, proceeds to a biometric authorization process, sending confirmation notifications and processing transactions based on user preference.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional authentication methods (passwords, security codes) are used, then ease of operation is maintained, but security and reliability deteriorate due to vulnerability to forgetting, sharing, or theft

Engineering Contradiction:

Improveauthentication securityVSAvoidauthentication convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent replaces traditional mechanical/password-based authentication systems with biometric authentication systems. The system uses fingerprints, facial recognition, or other biometric characteristics to verify user identity, eliminating the need for passwords and security codes that can be forgotten, shared, or stolen. This substitution maintains ease of operation while significantly improving security and reliability.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If biometric authorization process is implemented, then security and reliability are improved, but device complexity and processing steps increase

Engineering Contradiction:

Improveauthorization securityVSAvoidauthorization process complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent segments the authorization process into distinct phases: initial user registration where biometric data is captured and stored, and subsequent authentication phases where the biometric data is verified. This segmentation allows the system to manage complexity by separating data collection from verification processes, making the overall system more maintainable and scalable while maintaining high security standards.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary action by capturing and storing biometric data during an initial registration process before actual authentication is needed. This preliminary data collection allows for rapid authentication during actual use, reducing the complexity of real-time verification processes and enabling secure authorization without adding significant complexity to the main authentication flow.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS20260058946A1Fortified secure mobile biometric authorization systems for information security

Publication Date: 2026.02.26 TRUIST BANK

AI summary

Systems and methods receive, across a secure communication channel, a request for a mobile interaction comprising a user signature from a user device. A signature authorization process is initiated to authenticate the user signature from the mobile interaction. Based on a response from the signature authorization process, the instructions are transmitted to the user device to initiate a biometric authorization process. If a biometric input as part of the biometric authorization process is received, a verification is performed on the biometric input. A confirmation notification is sent to the user device approving or declining the mobile interaction. If approval is received, the mobile interaction is processed by transferring information, across a secure communication channel, to complete the request.