System to enable contactless access to a transaction terminal using a process data network

Patent metadata

Field	Value
Publication number	US-10496989-B2
Application number	US-201615050307-A
Country	US
Kind code	B2
Filing date	Feb 22, 2016
Priority date	Feb 22, 2016
Publication date	Dec 3, 2019
Grant date	Dec 3, 2019

Abstract

Systems, computer program products, and methods are described herein for a system to enable contactless access to a transaction terminal using a process data network. The present invention is configured to electronically receive from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device; retrieve, from the user device, a unique identifier associated with the user device; compare the unique identifier with a block chain of authentication information associated with the user to determine whether the unique identifier meets a condition associated with the block chain authentication information; receive an indication that the unique identifier meets the condition of the block chain thereby validating user identity; and allow the user to access the transaction terminal based on at least receiving the indication that the unique identifier meets the condition of the block chain.

First claim

What is claimed is:

1. A system operatively connected with a block chain distributed network and for using the block chain distributed network to enable contactless access to a transaction terminal using a process data network, the system comprising:
a memory device storing logic and rules for the block chain; and
a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to:
electronically receive from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device;
retrieve, from the user device, a unique identifier associated with the user device based on at least receiving the indication that the user is accessing the transaction terminal, wherein the unique identifier reflects one or more authentication credentials associated with the user;
access a distributed ledger stored in the memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network, wherein the distributed ledger comprises one or more validated authentication credentials associated with the user and indicating an evolution of digital authentication associated with the user;
compare, at an originating node, the unique identifier received from the user device with the one or more validated authentication credentials stored in the distributed ledger to determine whether the unique identifier meets a condition associated with the distributed ledger, wherein the condition comprises at least determining a match between the unique identifier and at least one of the one or more validated authentication credentials stored in the distributed ledger;
authorize the user device to access the transaction terminal based on at least determining the match;
receive, from the user, one or more additional authentication credentials associated with the user in addition to the unique identifier;
determine that at least one of the one or more additional authentication credentials meets a condition associated with the block chain, thereby verifying the identity of the user:
update the block chain of authentication information with the one or more additional authentication credentials based on at least verifying the identity of the user;
transmit a request to one or more sources to validate the one or more additional authentication credentials and the unique identifier based on the logic and rules for the block chain;
initiate, using one or more computing devices associated with the one or more sources, a block chain validation process to validate the one or more additional authentication credentials and the unique identifier based on at least a smart contract logic associated with the originating node and agreed upon by the one or more sources; and
receive an indication that the one or more additional authentication credentials and the unique identifier has been validated; and
store the one or more additional authentication credentials and the unique identifier on the distributed ledger based on at least receiving the indication that the one or more authentication credentials and the unique identifier has been validated.

2. The system of claim 1 , wherein the processing device is configured to execute computer-readable program code further to:
determine a percentage score based on at least comparing between the unique identifier with the one or more validated authentication credentials associated with the user.

3. The system of claim 2 , wherein the processing device is configured to execute computer-readable program code further to:
determine one or more functions that the user wishes to execute by accessing the transaction terminal;
determine whether the percentage score meets a matching requirement associated with the one or more functions that the user wishes to execute; and
enable the user to execute the one or more functions based on at least determining that the percentage score meets the matching requirement.

4. The system of claim 1 , wherein the processing device is configured to execute computer-readable program code further to:
receive a request from the one or more computing devices associated with the one or more sources to access the distributed ledger;
determine that the one or more computing devices associated with the one or more sources has authorized access to the distributed ledger; and
authorize the one or more computing devices associated with the one or more sources to access the distributed ledger.

5. The system of claim 4 , wherein the processing device is configured to execute computer-readable program code further to:
receive one or more authentication credentials from the one or more computing devices associated with the one or more sources;
validate the one or more authentication credentials; and
authorize the one or more sources to access the distributed ledger in response to validating the one or more authentication credentials.

6. A computerized method using a block chain distributed network to enable contactless access to a transaction terminal using a process data network, the method comprising:
electronically receiving, using a computing device processor, from a transfer terminal, an indication that a user is accessing the transaction terminal using a user device;
retrieving, using a computing device processor, from the user device, a unique identifier associated with the user device based on at least receiving the indication that the user is accessing the transaction terminal, wherein the unique identifier reflects one or more authentication credentials associated with the user;
accessing, using a computing device processor, a distributed ledger stored in a memory device, wherein the distributed ledger is updated based on communications from a block chain distributed network, wherein the distributed ledger comprises one or more validated authentication credentials associated with the user and indicating an evolution of digital authentication associated with the user;
comparing, using a computing device processor, at an originating node, the unique identifier received from the user device with the one or more validated authentication credentials stored in the distributed ledger to determine whether the unique identifier meets a condition associated with the distributed ledger, wherein the condition comprises at least determining a match between the unique identifier and at least one of the one or more validated authentication credentials stored in the distributed ledger;
authorizing, using a computing device processor, the user device to access the transaction terminal based on at least determining the match;
receiving, using a computing device processor, from the user, one or more additional authentication credentials associated with the user in addition to the unique identifier;
determining, using a computing device processor, that at least one of the one or more additional authentication credentials meets a condition associated with the block chain, thereby verifying the identity of the user;
updating, using a computing device processor, the block chain of authentication information with the one or more additional authentication credentials based on at least verifying the identity of the user;
transmitting, using a computing device processor, a request to one or more sources to validate the one or more additional authentication credentials and the unique identifier based on logic and rules for the block chain;
initiating, using a computing device processor, using one or more computing devices associated with the one or more sources, a block chain validation process to validate the one or more additional authentication credentials and the unique identifier based on at least a smart contract logic

Assignees

• Bank Of America

Inventors

• Castinado Joseph Benjamin
• Kurian Manu Jacob

Classifications

• G06Q20/327 Primary

  Short range or proximity payments by means of M-devices · CPC title

• G06Q20/38215

  Use of certificates or encrypted proofs of transaction rights · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• H04L9/3236

  using cryptographic hash functions · CPC title

• H04L2209/56

  Financial cryptography, e.g. electronic payment or e-cash · CPC title