Wearable Biometric Authentication for Mobile Banking Security
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Solution Overview
Problem
Existing information systems face challenges in ensuring the security and efficiency of electronic portals while preventing unauthorized access, as traditional security measures often compromise system performance.
Innovation Solution
Implementing advanced biometric authentication techniques using linked wearable devices, which collect and validate biometric data to authenticate users, thereby enhancing security and optimizing system operations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional security measures are implemented to prevent unauthorized access, then security is improved, but system performance deteriorates
Solution Approach 1:
The patent replaces traditional mechanical security systems (keycards, passwords, physical access controls) with a biometric authentication system using wearable devices that capture physiological signals (heart rate, galvanic skin response, temperature). This substitution eliminates the need for users to manually input credentials or carry physical tokens, thereby maintaining high security while improving system performance and user convenience.
2Reliability
If advanced biometric authentication is implemented, then security is improved, but device complexity increases
Solution Approach 1:
The patent introduces a wearable device as an intermediary between the user and the secure system. The wearable device contains the complex biometric sensors and processing logic, while the main system only needs to receive authentication tokens from the wearable. This distributes complexity to the wearable device, which is designed to be standalone and self-contained, thereby keeping the main system simple while achieving advanced biometric authentication.
Solution Approach 2:
The authentication system is segmented into multiple independent components: the wearable device that captures and processes biometric data, a mobile application that communicates with the wearable, and the server that validates authentication. This segmentation allows each component to be optimized independently and reduces the complexity burden on any single system.
3Reliability
If multi-factor authentication is implemented, then security is improved, but ease of operation deteriorates
Solution Approach 1:
The wearable device automatically performs biometric scanning and authentication without requiring user intervention. The device continuously monitors physiological signals and automatically presents authentication credentials when the user approaches the secure system, eliminating the need for users to manually enter passwords or physically present ID cards.
Solution Approach 2:
The system performs preliminary authentication by having the wearable device continuously monitor and pre-process biometric data in the background. When authentication is needed, the system already has validated biometric templates ready, eliminating the need for real-time biometric scanning during the authentication moment and providing instant access.
Data Source
AI summary
Aspects of the disclosure relate to preventing unauthorized access to secured information systems using advanced biometric authentication techniques. A computing device may receive input requesting to login to a user account associated with a mobile banking application installed on the computing device. The computing device may send, to a client authentication computing platform, a first authentication request and receive, from the client authentication computing platform, one or more authentication prompt commands. The computing device then may present one or more authentication prompts and collect, from one or more linked wearable devices, one or more advanced biometrics. After validating the one or more advanced biometrics, the computing device may send, to the client authentication computing platform, authentication response data. Thereafter, the computing device may receive mobile banking user interface information and present one or more mobile banking user interfaces.