Method and system for data communication and frictionless authentication

Patent metadata

Field	Value
Publication number	US-10965662-B2
Application number	US-201816019775-A
Country	US
Kind code	B2
Filing date	Jun 27, 2018
Priority date	Jun 27, 2018
Publication date	Mar 30, 2021
Grant date	Mar 30, 2021

Abstract

Aspects of the present disclosure are directed to electronic computer implemented methods of data communication. At least one method includes, via a data communications network, receiving one or more mobile EDI token datasets associated with each of one or more mobile devices; each of the mobile EDI token datasets including a mobile online ID attribute data element, a beacon attribute data element and biometric ID attribute data element; via a data communications network, receiving a matching score attribute data element associated with at least one of the mobile EDI token datasets; electronically processing and authenticating the least one mobile EDI token dataset based on the received matching score attribute data element; and via a data communications network, transmitting the mobile online ID attribute associated with the authenticated mobile EDI token dataset.

First claim

The invention claimed is:

1. An electronic computer implemented method of data communication, comprising:
via a data communications network, receiving one or more mobile Electronic Data Interchange (EDI) token datasets associated with one or more mobile devices; the one or more mobile EDI token datasets including a mobile online ID attribute data element, a beacon attribute data element and a behavioral score attribute data element;
via a data communications network, receiving a matching score attribute data element associated with at least one of the mobile EDI token datasets;
electronically processing and authenticating the least one mobile EDI token dataset based on the received matching score attribute data element; and
via a data communications network, transmitting the mobile online ID attribute associated with the authenticated least one mobile EDI token dataset.

2. The method of claim 1 , further comprising a step of receiving a biometric ID attribute data element associated with the mobile online ID attribute, prior to the step of authenticating.

3. The method of claim 1 , further comprising a step of receiving an EDI token dataset associated with an electronic device in close proximity to the one or more mobile devices; the EDI token dataset includes an access device ID attribute data element, a beacon ID attribute data element, and a biometric photo attribute data element.

4. The method of claim 2 , wherein the biometric ID attribute data element comprises a face print.

5. One or more non-transitory computer readable media storing computer executable instructions that, when executed by at least one processor, cause the at least one processor to perform a data communication method, comprising:
via a data communications network, receiving one or more mobile Electronic Data Interchange (ED) token datasets associated with each of one or more mobile devices; the one or more mobile EDI token datasets including a mobile online ID attribute data element, a beacon attribute data element and a behavioral score attribute data element;
via a data communications network, receiving a matching score attribute data element associated with at least one of the mobile EDI token datasets;
electronically processing and authenticating the least one mobile EDI token dataset based on the received matching score attribute data element; and
via a data communications network, transmitting the mobile online ID attribute associated with the authenticated the least one mobile EDI token dataset.

6. The one or more non-transitory computer readable media of claim 5 , further comprising receiving a biometric ID attribute data element associated with the mobile online ID attribute, prior to the step of authenticating.

7. The one or more non-transitory computer readable media of claim 5 , further comprising receiving an EDI token dataset associated with an electronic device in close proximity to the one or more mobile devices; the EDI token dataset includes an access device ID attribute data element, a beacon ID attribute data elements, and a biometric photo attribute data element.

8. The one or more non-transitory computer readable media of claim 6 , wherein the biometric ID attribute data element comprises a face print.

9. An electronic computer implemented method of data communication, comprising:
via a data communications network, receiving one or more mobile Electronic Data Interchange (EDI) token datasets associated with each of one or more mobile devices; the one or more mobile EDI token datasets including a mobile online ID attribute data element, a beacon attribute data element and biometric ID attribute data element;
via a data communications network, receiving a matching score attribute data element associated with at least one of the mobile EDI token datasets;
electronically processing and authenticating the least one mobile EDI token dataset based on the received matching score attribute data element; and
via a data communications network, transmitting the mobile online ID attribute associated with the authenticated least one mobile EDI token dataset.

10. The method of claim 9 , further comprising a step of receiving a gaiting score attribute data element associated with the mobile online ID attribute, prior to the step of authenticating.

11. The method of claim 9 , further comprising a step of receiving an EDI token dataset associated with an electronic device in close proximity to the one or more mobile devices; the EDI token dataset includes an access device ID attribute data element, a beacon ID attribute data elements, and a biometric photo attribute data element.

12. The method of claim 9 , wherein the biometric ID attribute data element comprises a face print.

Assignees

• Bank Of America

Inventors

• Arora Ashish
• Palanisamy Jothimuthu
• Keys Andrew T
• Toth Michael E
• Carpenter Daniel L

Classifications

• H04L63/0807 Primary

  using tickets, e.g. Kerberos (cryptographic mechanisms or cryptographic arrangements for entity authentication using tickets or tokens H04L9/3213) · CPC title

• H04L63/0861

  using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231) · 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

• H04L2209/80

  Wireless · CPC title

• H04W12/06

  Authentication · CPC title