Virtual Transaction Authentication via Intermediary Biometric Verification
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Solution Overview
Problem
Existing virtual transaction systems require physical presence to access and authenticate transactions, limiting the usability of virtual worlds.
Innovation Solution
Implementing a multi-factor authentication system using biometric verification and account verification through an intermediary processor, allowing transactions to be conducted within virtual worlds via a virtual terminal that communicates with physical world authorization processors.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If physical presence is required for transaction authentication, then security is improved, but accessibility and usability are worsened
Solution Approach 1:
The patent introduces an intermediary processor that acts as a mediator between the virtual terminal in the virtual world and the authorization processor in the physical world. This intermediary receives transaction requests from the virtual environment, forwards them to physical authorization systems, and relays responses back, enabling secure transactions without requiring physical presence in the transaction location.
Solution Approach 2:
The patent creates a virtual terminal that replicates the functionality of physical transaction terminals within the virtual world environment. This virtual terminal copies the essential authentication and transaction processing capabilities, allowing users to perform transactions using their avatar representations without needing to physically access a terminal or location.
2Reliability
If multi-factor authentication is implemented, then security is improved, but system complexity is worsened
Solution Approach 1:
The authentication system is segmented into distinct functional components: a virtual terminal component that collects user input and biometric data, an intermediary processor component that manages communication and data transmission, and an authorization processor component that performs the actual authentication verification. This segmentation allows each component to specialize in specific tasks, making the overall complex system manageable and maintainable.
Solution Approach 2:
The intermediary processor serves as a mediating layer that simplifies the interaction between the virtual terminal and the authorization processor. It handles the complexity of multi-factor authentication by orchestrating the collection of different authentication factors, managing their transmission to the authorization system, and processing the verification results, thereby reducing the apparent complexity for end users.
3Adaptability or versatility
If virtual terminals communicate with physical authorization processors, then transaction versatility is improved, but communication infrastructure complexity is worsened
Solution Approach 1:
The virtual terminal is designed with universal functionality that enables it to communicate with multiple different types of authorization processors through a standardized interface. This multi-functional design allows the same virtual terminal architecture to support various transaction types and connect to different physical authorization systems, enhancing versatility without requiring separate specialized terminals for each scenario.
Data Source
AI summary
According to an embodiment, a multi-factor authenticated virtual transaction method of an intermediary processor may be provided. The method may include receiving, into the intermediary processor, a transaction initiation signal, generating a biometric challenge signal in response to the receiving of the transaction initiation signal, transmitting, towards a virtual terminal, the biometric challenge signal, receiving, from the virtual terminal, a biometric input signal including biometric input, and comparing the received biometric input and a biometric token to determine whether a match occurs. When the match does not occur, transmitting a biometric match fail signal to the virtual terminal. When the match does occur, generating an authorization request signal, transmitting the authorization request signal towards an authorization processor, and receiving a response to the authorization request signal.