Multi-biometric authentication system

Patent metadata

Field	Value
Publication number	US-12189740-B2
Application number	US-202117497002-A
Country	US
Kind code	B2
Filing date	Oct 8, 2021
Priority date	Oct 8, 2021
Publication date	Jan 7, 2025
Grant date	Jan 7, 2025

Abstract

The disclosure relates to the multi-party biometric authentication of primary and secondary parties for conducting party relationships.

First claim

The invention claimed is:

1. A multi-biometric authentication method comprising:
receiving and storing at least one primary party's first biometric;
receiving at least one authorization instruction from the at least one primary party to store at least one secondary party's at least one biometric;
receiving and storing the at least one secondary party's at least one biometric;
linking, in at least one database implemented on at least one blockchain ledger, the at least one secondary party's at least one biometric to the at least one primary party's at least one biometric;
receiving business data associated with the at least one secondary party's at least one biometric, the business data comprising at least one of the following: a bank account, a business account, a contract number, a party relationship identifier, or any combination thereof;
linking, in the at least one database implemented on the at least one blockchain ledger, the business data and the at least one secondary party's at least one biometric to the at least one primary party;
linking, in the at least one database implemented on the at least one blockchain ledger, at least one party relationship associated with at least one other party to the business data, the at least one party relationship comprising a smart contract;
receiving at least one subsequent biometric from the at least one secondary party after linking the business data and the at least one secondary party's at least one biometric to the at least one primary party;
following a request to conduct a party relationship between the at least one secondary party and the at least one other party, accessing the at least one secondary party's at least one biometric that was previously stored;
determining if the at least one subsequent biometric from the at least one secondary party at least partially matches the at least one biometric of the at least one secondary party that was previously stored; and
in response to determining that the subsequently received second party's at least one biometric at least partially matches the at least one previously stored second party's at least one biometric, authorizing the at least one secondary party to use the business data linked to the at least one primary party in the party relationship between the at least one primary party and the at least one secondary party based on the smart contract linked to the business data, the at least one party relationship comprising the party relationship.

2. The multi-biometric authentication method of claim 1 , wherein the at least one biometric of the at least one secondary party comprises at least one of a fingerprint, retinal image, facial image, vascular image, voice print, gesture, gait, behavioral or biological characteristic, or any combination thereof.

3. The multi-biometric authentication method of claim 1 , wherein determining if the at least one subsequent biometric from the at least one secondary party at least partially matches the at least one previously stored biometric of the at least one secondary party based on a distance metric measured between biometric features extracted from the at least one previously stored biometric and biometric features extracted from the at least one subsequent biometric.

4. The multi-biometric authentication method of claim 1 , wherein the linking comprises inserting a pointer to a database record.

5. The multi-biometric authentication method of claim 1 , wherein the linking comprises cross communication between two database records.

6. A multi-biometric authentication system comprising,
at least one input device;
at least one local memory;
at least one biometric database;
at least one business data database;
at least one transceiver;
at least one processor in communication with the at least one input device, the at least one local memory, the at least one biometric database, the at least one business data database, and the at least one transceiver;
at least one program stored in at least one database, the at least one program comprising instructions that, when executed by the at least one processor, cause the at least one processor to perform the operations of:
receiving and storing at least one primary party's first biometric;
receiving at least one authorization instruction from the at least one primary party to store at least one secondary party's at least one biometric;
receiving and storing the at least one secondary party's at least one biometric;
linking, on at least one blockchain ledger, the at least one second party's at least one biometric to the at least one primary party's first biometric;
receiving business data associated with the at least one second party's at least one biometric, the business data comprising at least one of the following: a bank account, a business account, a contract number, a party relationship identifier, or any combination thereof;
linking, on the at least one blockchain ledger, the business data and the at least one secondary party's at least one biometric to the at least one primary party;
linking, on the at least one blockchain ledger, at least one party relationship associated with at least one other party to the business data, the at least one party relationship comprising a smart contract;
receiving at least one subsequent biometric from the at least one secondary party after linking the at least one business data and the at least one secondary party's at least one biometric to the at least one primary party;
following a request to conduct a party relationship between the at least one secondary party and the at least one other party, accessing the at least one secondary party's at least one biometric that was previously stored;
determining if the at least one subsequent biometric from the at least one secondary party at least partially matches the at least one previously stored secondary party's at least one biometric; and
in response to determining that the subsequently received second party's at least one biometric at least partially matches the at least one previously stored second party's biometric, authorizing the at least one secondary party to use the business data linked to the at least one primary party in the party relationship between the at least one primary party and the at least one secondary party based on the smart contract linked to the business data, the at least one party relationship comprising the party relationship.

7. The multi-biometric authentication system of claim 6 , wherein the at least one secondary party's at least one biometric comprises at least one of a fingerprint, retinal image, facial image, vascular image, voice print, gesture, gait, behavioral or biological characteristic, or any combination thereof.

8. The multi-biometric authentication system of claim 6 , wherein determining if the at least one subsequent biometric from the at least one secondary party at least partially matches the at least one previously stored biometric of the at least one secondary party is based on a distance metric measured between biometric features extracted from the at least one previously stored biometric and biometric features extracted from the at least one subsequent biometric.

9. The multi-biometric authentication system of claim 6 , wherein the linking comprises inserting a pointer into a database record.

10. The multi-biometric authentication system of claim 6 , wherein the linking comprises cross communication between two database records.

11. A non-transient computer readable medium containing programing instructions for causing a computer to perform the method of:
receiving and storing at least one primary party's first biometric;
receiving at least one authori

Assignees

• Visa Int Service Ass

Inventors

• Wald Jerry

Classifications

• G06F2221/2145

  Inheriting rights or properties, e.g., propagation of permissions or restrictions within a hierarchy · CPC title

• G06F2221/2141

  Access rights, e.g. capability lists, access control lists, access tables, access matrices · CPC title

• G06F21/32 Primary

  using biometric data, e.g. fingerprints, iris scans or voiceprints · CPC title