Transaction authentication using multiple biometric inputs

Patent metadata

Field	Value
Publication number	US-2022414674-A1
Application number	US-202217823561-A
Country	US
Kind code	A1
Filing date	Aug 31, 2022
Priority date	Oct 23, 2019
Publication date	Dec 29, 2022
Grant date	—

Abstract

Example embodiments relate to transaction authentication using biometric inputs from multiple users. The biometric inputs are input via a single computing entity simultaneously or within a configurable time period. The biometric inputs can be used to generate a transaction authentication record to authenticate the transaction.

First claim

1 . An authentication computing entity for authenticating a transaction, the authentication computing entity comprising a display, at least one processor, and at least one memory including program code, the at least one memory and the program code configured to, with the processor, cause the authentication computing entity to at least:
in response to receiving transaction data, present an interactive interface via the display, wherein (a) the interactive interface comprises a first area and a second area displayed simultaneously for a first user and a second user, (b) the first area of the interactive interface (1) displays human-readable text in a first direction and (2) is configured to capture a first biometric input from the first user, and (c) the second area of the interactive interface (1) displays human-readable text in a second direction and (2) is configured to capture a second biometric input from the second user; cause display of (a) a first indication for the first user to input the first biometric input in the first area of the interactive interface to authenticate the transaction, and (b) a second indication for the second user to input the second biometric input in the second area of the interactive interface to authenticate the transaction; initiate, for a configurable time period, an automated timer for capture of (a) the first biometric input of the first user via the first area within the configurable time period, and (b) the second biometric input of the second user via the second area within the configurable time period; capture (a) the first biometric input of the first user via the first area within the configurable time period, and (b) the second biometric input of the second user via the second area within the configurable time period; in response to the first biometric input and the second biometric input being captured within the configurable time period, cause display of (a) a first confirmation via the first area of the interactive interface confirming capture of the first biometric input, and (b) a second confirmation via the second area of the interactive interface confirming capture of the second biometric input; extract (a) first biometric data from the first biometric input, and (b) second biometric data from the second biometric input; automatically capture electronically generated context data associated with the transaction, wherein the context data comprises (a) location data associated with the location the first biometric input and the second biometric input were captured, and (b) time data associated with the time the first biometric input and the second biometric input were captured; apply a hashing function to generate a digest based at least in part on the transaction data, first biometric data, second biometric data, and context data; generate a transaction authentication record comprising the digest, at least a portion of the transaction data, at least a portion of the first biometric data, at least a portion of the second biometric data, and at least a portion of the context data, wherein the authentication record is configured to authenticate the transaction; apply an encryption function to generate an encrypted transaction authentication record; and provide the encrypted transaction authentication record for processing with a claim, wherein the encrypted transaction authentication record is used to authenticate the claim for payment.

2 . The authentication computing entity of claim 1 , wherein:
(a) a first authentication template comprises the first biometric data and a second authentication template comprises the second biometric data; and (b) the memory and program code are further configured to, with the processor, cause the authentication computing entity to (1) validate, in real-time, the first biometric data by comparing the first authentication template to a first registration template for the first user, and (2) validate, in real-time, the second biometric data by comparing the second authentication template to a second registration template of the second user.

3 . The authentication computing entity of claim 1 , wherein the memory and program code are further configured to, with the processor, cause the authentication computing entity to apply a first cryptographic function to the first authentication template and the second authentication template.

4 . The authentication computing entity of claim 3 , wherein the memory and program code are further configured to, with the processor, cause the authentication computing entity to apply a second cryptographic function to the transaction authentication record after applying the first cryptographic function to the first authentication template and the second authentication template.

5 . The authentication computing entity of claim 1 , wherein the memory and program code are further configured to, with the processor, cause the authentication computing entity to validate, in real-time, the location data by determining whether the location data is within a zone of confidence associated with a location of the first user.

6 . The authentication computing entity of claim 1 , wherein the first and second biometric inputs are selected from the group consisting of fingerprint input, hand print input, palm print input, voice input, iris input, facial input, vein input, and signature input.

7 . The authentication computing entity of claim 1 , wherein the memory and program code are further configured to, with the processor, cause the authentication computing entity to provide the transaction authentication record for authentication as an attachment to a transaction submission.

8 . A method for authenticating a transaction, the method comprising:
in response to receiving transaction data, presenting, via an authentication computing entity, an interactive interface, wherein (a) the interactive interface comprises a first area and a second area displayed simultaneously for a first user and a second user, (b) the first area of the interactive interface (1) displays human-readable text in a first direction and (2) is configured to capture a first biometric input from the first user, and (c) the second area of the interactive interface (1) displays human-readable text in a second direction and (2) is configured to capture a second biometric input from the second user; causing, via the authentication computing entity, display of (a) a first indication for the first user to input the first biometric input in the first area of the interactive interface to authenticate the transaction, and (b) a second indication for the second user to input the second biometric input in the second area of the interactive interface to authenticate the transaction; initiating, via the authentication computing entity and for a configurable time period, an automated timer for capture of (a) the first biometric input of the first user via the first area within the configurable time period, and (b) the second biometric input of the second user via the second area within the configurable time period; capturing, via the authentication computing entity, (a) the first biometric input of the first user via the first area within the configurable time period, and (b) the second biometric input of the second user via the second area within the configurable time period; in response to the first biometric input and the second biometric input being captured within the configurable time period, causing, via the authentication computing entity, display of (a) a first confirmation via the first area of the interactive interface confirming capture of the first biometric input, and (b) a second confirmation via the second area of the interactive interface confirming capture of the second biometric input; extr

Assignees

• Optum Inc

Inventors

• Indermaur Kurt

Classifications

• G06Q20/40145 Primary

  Biometric identity checks · CPC title