Wearable Biometric Implicit Consent for Secure Transactions

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Solution Overview

Problem

The existing methods for completing transactions using personal computing devices require explicit authentication and consent, leading to a confusing user experience and slowed transaction processes due to varying authentication and consent methods across merchants and locations.

Innovation Solution

A computerized method using wearable computing devices to determine implicit consent through biometric data and context data, generating weighted values based on defined consent rules to enable transaction completion without explicit user action.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If explicit authentication and consent methods are used for transactions, then security against fraudulent activity is maintained, but user experience becomes confusing and transaction speed is reduced

Engineering Contradiction:

ImprovesecurityVSAvoidtransaction speed

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent replaces the mechanical interaction of explicit user actions (typing PINs, pressing buttons, answering prompts) with a biometric-based implicit consent system. The wearable device's biometric sensors automatically detect physiological signals (heart rate, galvanic skin response, body temperature) to determine user consent without requiring physical interaction, thereby maintaining security while significantly reducing transaction time and eliminating the confusion of varying authentication methods across merchants.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If explicit consent prompts are required for transactions, then user control and security are maintained, but transaction process is slowed and user experience is degraded

Engineering Contradiction:

Improveuser controlVSAvoidtransaction time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system performs preliminary biometric monitoring and analysis to determine user consent before the transaction is initiated. By continuously monitoring physiological signals and analyzing context data in advance, the system is already prepared to verify consent when the transaction occurs, eliminating the need for time-consuming prompts during the actual transaction process while maintaining user control through continuous biometric verification.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The wearable device autonomously monitors biometric data and determines user consent without requiring active user participation or interaction. The system serves itself by automatically detecting physiological signals, analyzing context data, and making consent determinations, thereby eliminating the time loss associated with user responses to consent prompts while maintaining user control through passive biometric monitoring.

Inventive Principle:

Principle #25Self-service

3Adaptability or versatility

If varying authentication and consent methods are used across different merchants, then merchant-specific security requirements are met, but user experience becomes confusing and complex

Engineering Contradiction:

Improvemerchant-specific securityVSAvoiduser experience consistency

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent implements a universal biometric-based implicit consent system that functions consistently across all merchants and transaction types. The wearable device's biometric sensors and analysis algorithms provide a single, unified authentication and consent mechanism that adapts to different merchant requirements through context data analysis rather than requiring users to learn different authentication methods, thereby maintaining merchant-specific security needs while ensuring consistent, simple user experience across all transactions.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS11037153B2Determining implicit transaction consent based on biometric data and associated context data

Publication Date: 2021.06.15 MASTERCARD INT INC

AI summary

The disclosure facilitates a transaction by determining implicit consent for a transaction from a user by a wearable computing device. A request to complete the transaction is received, biometric data associated with the user is collected, and context data associated with the biometric data is received. In response to the request to complete the transaction, weighted values of the biometric data and the context data are generated based on defined consent rules. Upon the generated weighted values satisfying one or more consent thresholds, implicit consent is determined for the transaction from the user, whereby completion of the transaction is enabled. Accurately determining implicit consent of a user for a transaction based on the user's biometric data streamlines the transaction process into an efficient, user-friendly experience for the user while maintaining the security of the user's identity and account information.