Method and device for end-user verification of an electronic transaction
US-11341498-B2 · May 24, 2022 · US
US11847652B2 · US · B2
| Field | Value |
|---|---|
| Publication number | US-11847652-B2 |
| Application number | US-202217683660-A |
| Country | US |
| Kind code | B2 |
| Filing date | Mar 1, 2022 |
| Priority date | Oct 26, 2015 |
| Publication date | Dec 19, 2023 |
| Grant date | Dec 19, 2023 |
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Embodiments of the invention involve using biometric templates to wirelessly authenticate individuals. In one embodiment, a mobile device may generate a first biometric template and a first public value from a first biometric sample of a user and generate a first cryptographic key by passing the first biometric template to a fuzzy extractors generate function. An access device may generate a second biometric template from a second biometric sample of the user, generate a second secret cryptographic key by passing the second biometric template and the first public value to the fuzzy extractors reproduce function, encrypt the second biometric template with the second secret cryptographic key, and broadcast the encrypted template to a plurality of nearby mobile devices including the mobile device. If the mobile device is able to decrypt the encrypted template with the first cryptographic key, the access device can associate the user with the mobile device.
Opening claim text (preview).
What is claimed is: 1. A method comprising: obtaining, by a mobile device, a second biometric sample of a user; generating, by the mobile device, a second biometric template from the second biometric sample; generating, by the mobile device, a first secret cryptographic key and a public value by passing the second biometric template to a first function of a fuzzy extractor; transmitting, by the mobile device, the public value to an access device; receiving, by the mobile device and from the access device, an encrypted first biometric template that is encrypted with a secret cryptographic key that is generated by passing the public value and a first biometric template to a second function of the fuzzy extractor, the access device generating the first biometric template from a first biometric sample on the access device; attempting, by the mobile device, to decrypt the encrypted first biometric template with the first secret cryptographic key; responsive to decrypting the encrypted first biometric template, determining, by the mobile device, whether the first biometric template matches the second biometric template; and responsive to determining that the first biometric template matches the second biometric template, sending, by the mobile device, a confirmation of a match to the access device. 2. The method of claim 1 , wherein generating the first biometric template from the first biometric sample comprises generating a first small biometric template and a first large biometric template; wherein generating the second biometric template from the second biometric sample comprises generating a second small biometric template and a second large biometric template; wherein generating the public value comprises passing the second small biometric template to the first function of the fuzzy extractor; wherein the secret cryptographic key is generated by passing the first small biometric template and the public value of the mobile device to the second function of the fuzzy extractor; wherein the access device encrypts the first biometric template with the secret cryptographic key by encrypting the first large biometric template with the secret cryptographic key; and wherein the match is between the first large biometric template and the second large biometric template. 3. The method of claim 2 , wherein the first small biometric template is one of: an obfuscated copy of the first large biometric template; and an incomplete copy of the first large biometric template. 4. The method of claim 2 , wherein the first large biometric template and the first small biometric template are generated from the first biometric sample by: extracting one or more distinct characteristics from the first biometric sample; and generating digital reference of the one or more distinct characteristics. 5. The method of claim 1 , wherein the access device is a point of sale terminal. 6. The method of claim 1 , wherein the mobile device is a mobile phone. 7. The method of claim 2 , wherein a similarity between the first small biometric template and the second small biometric template of the mobile device exceeds a threshold matching score. 8. The method of claim 2 , further comprising: receiving a transmitting station identifier at the mobile device from a transmitting station. 9. The method of claim 2 wherein obtaining the second biometric sample of the user comprises one of: taking a photographic image of the user's face; taking a fingerprint of the user; taking a voice sample of the user; taking a DNA sample of the user; taking a retinal scan of the user; and taking a hair sample of the user. 10. The method of claim 1 , wherein the first biometric template is encrypted along with a resource provider identifier and a nonce. 11. The method of claim 1 , wherein the public value is a public key. 12. The method of claim 1 , wherein the confirmation comprises a payment message that comprises an amount, a resource provider identifier and a primary account number. 13. The method of claim 12 , wherein the payment message is signed by the first secret cryptographic key. 14. The method of claim 2 , wherein the access device broadcasts the encrypted first biometric template to a plurality of mobile devices in a vicinity of the access device. 15. A mobile device comprising: a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor for implementing a method comprising: obtaining a second biometric sample of a user; generating a second biometric template from the second biometric sample; generating a first secret cryptographic key and a public value by passing the second biometric template to a first function of a fuzzy extractor; transmitting the public value to an access device; receiving, from the access device, an encrypted first biometric template that is encrypted with a secret cryptographic key that is generated by passing the public value and a first biometric template to a second function of the fuzzy extractor, the access device generating the first biometric template from a first biometric sample on the access device; attempting to decrypt the encrypted first biometric template with the first secret cryptographic key; responsive to decrypting the encrypted first biometric template, determining whether the first biometric template matches the second biometric template; and responsive to determining that the first biometric template matches the second biometric template, sending a confirmation of a match to the access device. 16. The mobile device of claim 15 , wherein generating the first biometric template from the first biometric sample comprises generating a first small biometric template and a first large biometric template; wherein generating the second biometric template from the second biometric sample comprises generating a second small biometric template and a second large biometric template; wherein generating the public value comprises passing the second small biometric template to the first function of the fuzzy extractor; wherein the secret cryptographic key is generated by passing the first small biometric template and the public value of the mobile device to the second function of the fuzzy extractor; wherein the access device encrypts the first biometric template with the secret cryptographic key by encrypting the first large biometric template with the secret cryptographic key; and wherein the match is between the first large biometric template and the second large biometric template. 17. The mobile device of claim 16 , wherein the first small biometric template is one of: an obfuscated copy of the first large biometric template; and an incomplete copy of the first large biometric template. 18. The mobile device of claim 16 , wherein the first large biometric template and the first small biometric template are generated from the first biometric sample by: extracting one or more distinct characteristics from the first biometric sample; and generating digital reference of the one or more distinct characteristics. 19. The mobile device of claim 16 , wherein the mobile device is a mobile phone. 20. The mobile device of claim 15 , wherein obtaining the second biometric sample of the user comprises one of: taking a photographic image of the user's face; taking a fingerprint of the user; taking a voice sample of the user; taking a DNA sample of the user; taking a retinal scan of t
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