System and method for biometric credit based on blockchain

Patent metadata

Field	Value
Publication number	US-10902425-B2
Application number	US-201816224210-A
Country	US
Kind code	B2
Filing date	Dec 18, 2018
Priority date	Dec 29, 2017
Publication date	Jan 26, 2021
Grant date	Jan 26, 2021

Abstract

An example method for performing concepts disclosed can include: obtaining a first authentication factor including first biometric data of a user; hashing the first authentication factor to create a first hash; registering the user with a digital credit system using the created first hash; obtaining a second authentication factor including second biometric data of the user; hashing the second authentication factor to create a second hash; comparing the first hash and the second hash; and proceeding the transaction based on the comparison.

First claim

We claim:

1. A system for a multi-party transaction, comprising:
a processor; and

a non-transitory computer-readable storage medium having instructions stored which, when executed by the processor, cause the processor to perform operations comprising:
a first computing device having a first biometric data capturing unit and configured to:
capture first biometric data of a first user via the first biometric data capturing unit, the first user being a customer seeking to purchase a product;
receive a first authentication factor including the first biometric data of the first user;
hash the first authentication factor to generate a first hash;
initiate the multi-party transaction using the first hash, a second computing device having a second biometric data capturing unit and configured to:
capture second biometric data of a second user via the second biometric data capturing unit, the second user having a first level of authority to authorize the purchase of the product;
generate a second authentication factor including the second biometric data of the second user;
hash the second authentication factor with the first hash to generate a second hash;
respond to the multi-party transaction using the second hash, and a third computing device having a third biometric data capturing unit and configured to:
capture third biometric data of a third user via the third biometric data capturing unit, the third user having a second level of authority to authorize the purchase of the product;
generate a third authentication factor including the third biometric data of the user; and
hash the third authentication factor with the second hash to generate a third hash;
process the multi-party transaction using the third hash, wherein:
the first, second and third users are involved in the multi-party transaction;
the first, second, and third biometric data each includes at least one of: an iris, fingerprint, a palm print, a hand geometry, and a facial image;
initiation of the multi-party transaction using the first hash is stored in a first block of a blockchain;
response to the multi-party transaction using the second hash is stored in a second block of the blockchain; and
processing of the multi-party transaction using the third hash is stored in a third block of the blockchain.

2. The system of claim 1 , wherein:
the first, second, and third authentication factors each further includes at least one of: a phrase or sentence spoken by the corresponding first, second, and third user, and a touching identification of the corresponding first, second, and third user; and
the first, second, and third computing device is each further configured to capture at least one of: the phrase or sentence spoken by the corresponding first, second, and third user, and the touching identification of the corresponding first, second, and third user.

3. The system of claim 1 , wherein the first, second, and third biometric data capturing unit each is at least one of: a fingerprint scanner, and a facial recognition device.

4. The system of claim 1 , wherein the first, second, and third hash each is not stored on the corresponding computing device.

Assignees

• Walmart Apollo Llc

Inventors

• Cantrell Robert
• Nelms David M
• Shake Sid
• Lobo Charles
• High Donald R
• Mattingly Todd
• Mchale Brian
• O'Brien John J
• Wilkinson Bruce

Classifications

• H04L9/50

  using hash chains, e.g. blockchains or hash trees · CPC title

• H04L9/3239

  involving non-keyed hash functions, e.g. modification detection codes [MDCs], MD5, SHA or RIPEMD · CPC title

• H04L9/3231 Primary

  Biological data, e.g. fingerprint, voice or retina (network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861) · CPC title

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06Q20/3827

  Use of message hashing · CPC title