Mobile Wallet Biometric Authentication and Identity Storage

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Solution Overview

Problem

Existing technologies have limitations in integrating personal, financial, and business-related identification information with mobile communication devices, leading to inefficiencies in accessing financial accounts and conducting transactions.

Innovation Solution

The integration of personal, financial, and business-related identification information with mobile communication devices, utilizing biometric analysis, username and password verification, and optical feature scans to authenticate users and condition access to financial accounts.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If traditional identification methods (physical wallets, key cards, credit cards) are used, then identification information can be carried and presented, but portability, convenience, and integration with mobile devices are limited

Engineering Contradiction:

Improveconvenience of accessing identification informationVSAvoidintegration of multiple identification functions

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent combines multiple identification functions (driver's license, credit card, key card, insurance card) into a single mobile communication device. The device stores and displays multiple types of identification information through a unified interface, eliminating the need to carry separate physical cards and wallets.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The mobile communication device is designed to perform multiple identification functions simultaneously. It can store and present different types of identification information (personal ID, financial accounts, membership cards) through a single device, making it a universal identification tool that replaces traditional multi-card systems.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If mobile communication devices store multiple types of identification information, then accessibility and convenience improve, but security risks and complexity of verification increase

Engineering Contradiction:

Improveability to access multiple accounts and informationVSAvoidsecurity of financial and personal information

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent segments identification information into different categories (personal identification, financial accounts, membership information) and implements category-specific verification procedures. Different types of information require different authentication methods, allowing secure access control while maintaining versatility.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system implements verification feedback mechanisms where the mobile device communicates with remote servers to validate identification information. The server receives verification requests, checks the authenticity of stored information, and provides feedback to confirm or deny access, ensuring secure verification of multiple account types.

Inventive Principle:

Principle #23Feedback

3Reliability

If biometric analysis and optical feature scans are implemented, then user authentication becomes more secure, but device complexity and processing requirements increase

Engineering Contradiction:

Improveaccuracy of user identity verificationVSAvoidintegration of biometric and optical verification systems

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent uses the mobile communication device as an intermediary that captures biometric and optical data, processes it locally for initial verification, and then communicates with remote servers for final authentication. This intermediary approach distributes processing complexity between the device and server, enabling advanced verification without overwhelming the mobile device.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Ease of operation

If mobile devices replace traditional wallets and identification cards, then portability and convenience improve, but the ability to provide physical tactile verification (swiping magnetic strips, inserting cards) is lost

Engineering Contradiction:

Improveportability of identification informationVSAvoidcompatibility with existing card readers and verification systems

Core Design Contradiction:

Ease of operationVSDifficulty of detecting and measuring

Solution Approach 1:

The patent replaces mechanical card-swiping and insertion systems with electronic and optical verification methods. Instead of physically swiping magnetic strips or inserting cards into readers, the mobile device uses cameras for optical scanning, displays digital card information, and communicates electronically with verification systems, eliminating the need for mechanical card interaction.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Data Source

PatentUS12282914B1Mobile electronic wallet

Publication Date: 2025.04.22 WELLS FARGO BANK NA

AI summary

Association of personal, financial, and/or business-related identification information with a mobile communication device (MCD) is provided for herein. For example, an MCD can be associated with a financial account and can further include an identification component that verifies an identity of a user of the MCD. Identity can be verified by biometric analysis (e.g., finger/thumb print scan), username and password, optical feature scan, or a combination thereof or of like mechanisms, for instance. Accordingly, the claimed subject matter provides a mechanism to verify identification of a user of an MCD and incorporate user ID into remote data exchange, including remote financial transactions, with one or more networked devices.