Biometrics identification module and personal wearable electronics network based authentication and transaction processing

• US 9,892,576 B2
• Filed: 11/12/2013
• Issued: 02/13/2018
• 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, Fernandez, Gene, Berson, Alex, Goodman, Brian
• Primary Examiner(s): Holloway, III, Edwin
• Application Number:
  US14/077,869
• Publication Number:
  US 20150035643A1
• Time in Patent Office: 1,554 Days
• Field of Search: 340 552, 340 582
• 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 biometric identification device, comprising:

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

a static biometric identification module that stores a plurality of static user biometric characteristics for the user;

a dynamic biometric identification module that receives a dynamic user biometric characteristic from a sensing device, the device remote from the dynamic biometric identification module and communicating with the dynamic biometric identification module using RF communication and being registered to the user;

a transaction processing module that receives, from a third party, a transaction request for a transaction being conducted by the user with the third party, the transaction comprising at least one transaction characteristic; and

a security engine comprising at least one computer processor that determines an amount of at least one of the static user biometric characteristics, the dynamic user biometric characteristics, and the profile required based on the at least one transaction characteristic;

wherein the transaction processing module communicates the determined amount of the at least one of the static user biometric characteristics, the dynamic user biometric characteristics and the profile to the third party; and

wherein the biometric identification device is associated with the user.

2. The biometric identification device of claim 1, wherein the biometric identification device communicates with a host device that comprises a computer processor.

3. The biometric identification device of claim 2, wherein the host device is a computer.

4. The biometric identification device of claim 2, wherein the host device is a smart phone.

5. The biometric identification device of claim 1, further comprising:

a field programmable module.

6. The biometric identification device of claim 1, further comprising:

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

7. The biometric identification device of claim 1, wherein the sensing device is a wearable medical device.

8. The biometric identification device of claim 1, wherein the sensing device is a wearable electronic.

9. A method for processing biometric information to conduct a transaction with a third party, comprising:

a biometric identification device receiving a transaction request from a third party for a transaction being conducted by the user with the third party, the transaction comprising at least one transaction characteristic;

the biometric identification device determining a target level of biometric authentication required to conduct the transaction based on at least one transaction characteristic;

the biometric identification device determining an amount of at least one of static user biometric characteristics, dynamic user biometric characteristics, and a user profile required based on the at least one transaction characteristic necessary for the target level of biometric authentication;

the biometric identification device retrieving the determined amount of the at least one of static user biometric characteristics, dynamic user biometric characteristics, and the user profile; and

the biometric identification device transmitting the determined amount of the at least one of static user biometric characteristics, dynamic user biometric characteristics, and the user profile to the third party.

10. The method of claim 9, further comprising:

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

11. The method of claim 9, wherein the transaction characteristic comprises at least one of a transaction amount and a security level associated with the transaction.

12. The method of claim 9, wherein the transaction is an access to a restricted area.

13. The method of claim 9, wherein the biometric identification device comprises a computer processor.

14. The method of claim 9, wherein the biometric identification device communicates with a host device that comprises a computer processor.

15. The method of claim 9, wherein the determined amount of the at least one of static user biometric characteristics, dynamic user biometric characteristics, and the user profile is retrieved from local memory of the biometric identification device.