BIOMETRICS IDENTIFICATION MODULE AND PERSONAL WEARABLE ELECTRONICS NETWORK BASED AUTHENTICATION AND TRANSACTION PROCESSING

• US 20150035643A1
• Filed: 11/12/2013
• Published: 02/05/2015
• Est. Priority Date: 08/02/2013
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Kursun, Eren
• Granted Patent: US 9,892,576 B2
• Time in Patent Office: Days
• US Class Current: 340/5.52
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/32 in combination with an identity check
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: G16H 10/65 stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: G16Z 99/00 Subject matter not provided for in other main groups of this subclass
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04W 12/065 Continuous authentication
• CPC Class Codes: H04W 12/33 using wearable devices, e.g. using a smartwatch or smart-glasses

Abstract

Biometrics identification module and personal wearable electronics network based authentication and transaction processing are disclosed. According to one embodiment, a method for biometric authentication may include (1) a biometric identification device connecting to a plurality of sensing devices, each of the plurality of sensing devices receiving a user characteristic from a user; (2) the biometric identification device receiving the user characteristics from the sensing devices; (3) the biometric identification device communicating the received user characteristics to a server; (4) the biometric identification device receiving a biometric profile for the user; and (5) the biometric identification device storing the biometric profile.

Claims

1. A method for biometric authentication comprising:

a biometric identification device in communication with a plurality of sensing devices, each of the plurality of sensing devices receiving a user characteristic from a user;

the biometric identification device receiving the user characteristics from at least one of the sensing devices;

the biometric identification device communicating the received user characteristics to a server;

the biometric identification device receiving a biometric profile for the user; and

the biometric identification device storing the biometric profile.

2. The method of claim 1, wherein the step of connecting to a plurality of sensing devices comprises:

the biometric identification device verifying that each of the plurality of sensing devices is registered to the user.

3. The method of claim 1, further comprising:

the biometric identification device sensing a user characteristic from the user.

4. The method of claim 1, wherein the biometric identification device initiates a security protocol if the communication with at least one of the plurality of sensing devices is unexpectedly terminated.

5. The method of claim 1, wherein the sensing device is a wearable medical device.

6. The method of claim 1, wherein the sensing device is a wearable electronic.

7. The method of claim 1, wherein the biometric identification device communicates with at least one of the sensing devices by RF communication.

8. A biometric identification device, comprising:

a personal identification module that stores a profile for a user;

a static biometric identification module that stores at least one static user characteristic;

a dynamic biometric identification module that stores at least one dynamic user characteristic;

a security engine that determines an amount of at least one of the static characteristics, the dynamic characteristics and the profile that can be communicated to a third party; and

a transaction processing module that communicates the determined amount of at least one of the static characteristics, the dynamic characteristics and the profile to the third party.

9. The biometric identification device of claim 8, wherein the biometric identification device further comprises a computer processor.

10. The biometric identification device of claim 8, wherein the biometric identification device communicates with a host device that comprises a computer processor.

11. The biometric identification device of claim 10, wherein the host device is a computer.

12. The biometric identification device of claim 10, wherein the host device is a smart phone.

13. The biometric identification device of claim 9, further comprising:

a field programmable module.

14. The biometric identification device of claim 8, further comprising:

biometric data history table that may store a history of biometric activity.

15. The biometric identification device of claim 8, wherein the dynamic biometric identification module further receives at least one user characteristic from at least one sensing device.

16. The biometric identification device of claim 15, wherein the at least one sensing device is a wearable medical device.

17. The biometric identification device of claim 15, wherein the sensing device is a wearable electronic.

18. A method for biometric authentication comprising:

a biometric identification device receiving user characteristics;

the biometric identification device communicating the received user characteristics to a server;

the biometric identification device receiving a biometric profile for the user; and

the biometric identification device storing the biometric profile.

19. A method for biometric authentication to conduct a transaction with a party, comprising:

a biometric identification device receiving a transaction request and biometric data from a user;

the biometric identification device determining a target level of biometric authentication required to conduct a transaction;

the biometric identification device determining biometric information necessary for the target level of biometric authentication; and

the biometric identification device transmitting the determined information to the party.

20. The method of claim 19, further comprising:

prior to transmitting the determined information, the biometric identification device receiving approval to transmit the determined information to the party.

21. The method of claim 19, wherein the target level of biometric authentication is based on at least one of a transaction amount and a security level associated with the transaction.

22. The method of claim 19, wherein the transaction is an access to a restricted area.

23. The method of claim 19, wherein the biometric identification device comprises a computer processor.

24. The method of claim 19, wherein the biometric identification device communicates with a host device that comprises a computer processor.