Preauthorized Biometric Financial Authorization Without ATM Card Handling
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Solution Overview
Problem
Existing financial operations, such as withdrawing money from ATMs or remittance transactions, are cumbersome, risky, and expose users to health hazards due to long durations, public exposure of personal items, potential fraud, and pathogen transmission.
Innovation Solution
A method involving biometric authentication using a pre-generated authorization dataset that includes both operation and biometric data, allowing users to authenticate and authorize financial operations remotely, reducing the need for physical interaction at the transaction site.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of time
If traditional ATM operations are used, then financial transactions can be performed, but the operation time is long (3-5 minutes) and user exposure to public risks is high
Solution Approach 1:
The system performs preliminary biometric authentication and operation authorization before the user arrives at the ATM. The authorization dataset is generated in advance with embedded biometric templates, so that when the user arrives, only a quick biometric verification is needed rather than full authentication, dramatically reducing transaction time while maintaining security
Solution Approach 2:
The patent replaces traditional mechanical card insertion and PIN entry with biometric authentication. The biometric template comparison and authorization verification are performed through optical/image processing and cryptographic validation, eliminating the need for physical card handling and manual PIN input, thus reducing both time and security risks
2Ease of operation
If users perform operations at traditional ATMs, then financial transactions are enabled, but users must expose personal items (wallet, card) in public which creates fraud risk
Solution Approach 1:
The patent extracts the authentication and authorization functions from the physical ATM environment and relocates them to a remote server system. The authorization dataset containing biometric templates and operation permissions is stored remotely, allowing users to authenticate without exposing physical cards or wallets, eliminating fraud risks associated with public ATM usage while maintaining operational convenience
Solution Approach 2:
The system introduces an intermediary authorization dataset that acts as a secure bridge between the user and the financial system. This dataset, containing encrypted biometric templates and operation authorizations, enables transactions without requiring users to physically present personal items at the ATM, thus eliminating exposure to public fraud risks
3Reliability
If traditional card insertion method is used, then authentication is performed, but card may be retained in ATM and operation becomes difficult
Solution Approach 1:
The patent completely replaces the mechanical card insertion and magnetic stripe reading system with biometric authentication using image capture and template matching. The user's face or other biometric features are captured and compared against stored templates, eliminating all card handling operations and their associated difficulties while maintaining or enhancing authentication security through more reliable biometric verification
4Productivity
If users touch ATM buttons and displays, then operations are completed, but exposure to pathogenic microorganisms increases health risk
Solution Approach 1:
The patent replaces all mechanical button pressing and display touching operations with contactless biometric authentication and remote authorization verification. The user's biometric data is captured through cameras or sensors, and authorization is verified through cryptographic validation of the authorization dataset, completely eliminating the need for physical contact with ATM surfaces and thus removing health risks from pathogen transmission while maintaining rapid operation speed
Data Source
AI summary
A method for authorizing a financial operation is disclosed, the method comprising: receiving operation data related to a financial operation; obtaining a first biometric mathematical representation of a user; storing an operation mathematical representation representing operation data and the first biometric mathematical representation in an authorization dataset; receiving the authorization dataset; obtaining the operation mathematical representation and the first biometric mathematical representation from the received authorization dataset; receiving a capture of a second image of the user; generating a second biometric mathematical representation of a user; determining a matching score by comparing the first biometric mathematical representation and the second biometric mathematical representation; authenticating an identity of the user; obtaining the operation data from the operation mathematical representation; and authorizing the financial operation if the identity is authenticated and the operation data are satisfied.