Patent Issued for Biometric authentication system (USPTO 11328280): United Services Automobile Association

2022 JUN 01 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Alexandria, Virginia, by NewsRx journalists, a patent by the inventors Medina, III, Reynaldo (San Antonio, TX, US), Tougas, Brian (San Antonio, TX, US), Wright, Susan Elizabeth (San Antonio, TX, US), filed on October 11, 2019, was published online on May 10, 2022.

The assignee for this patent, patent number 11328280, is United Services Automobile Association (San Antonio, Texas, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Shopping at a physical retail store involves a familiar process. A consumer first obtains one or more items from the retail store, and then the consumer stands in a checkout line to purchase the one or more items. Often, the consumer pays for the one or more items using a physical credit card or a digital credit card stored on the consumer’s mobile device. However, such a conventional system requires the consumer to carry either a physical form of payment or a mobile device that includes a digital form of payment. Thus, conventional payment systems at retail stores require consumers to carry some form of physical device or hardware to purchase an item.

“The drawings have not necessarily been drawn to scale. For example, the dimensions of some of the elements in the figures may be expanded or reduced to help improve the understanding of the embodiments of the present disclosure. Similarly, some components and/or operations may be separated into different blocks or combined into a single block for the purposes of discussion of some of the embodiments of the present disclosure. Moreover, while embodiments of the present disclosure are amenable to various modifications and alternative forms, specific embodiments have been shown by way of example in the drawings and are described in detail below. The intention, however, is not to limit the disclosure to the particular embodiments described. On the contrary, the disclosure is intended to cover all modifications, equivalents, and alternatives falling within the scope of the disclosure as defined by the appended claims.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “Various embodiments of the present disclosure generally relate to using a person’s biometric data obtained at a retail store to authorize a transaction initiated by that person at the retail store. Unlike conventional technology, the technology disclosed in the present disclosure minimizes the physical devices or hardware carried by the person at the retail store for performing a transaction. Specifically, various embodiments of the present disclosure relate to (1) a point-of-sale (POS) device for obtaining a set of biometric data and a password from a person; (2) one or more authentication systems for determining whether the set of biometric data matches information associated with previously stored biometric data of the person; and (3) an authorization system for authorizing the transaction by the person if the obtained set of biometric data and password matches information associated with previously stored biometric data and password associated with the person.”

The claims supplied by the inventors are:

“1. A biometric authentication system, comprising: a point-of-sale (POS) device to receive biometric data of a person and a password to authorize the person for a transaction, the POS device includes: a microphone configured to receive voice data from the person; a fingerprint scanner configured to receive fingerprint data from the person; one or more cameras configured to receive facial data from the person; an input device configured to receive the password from the person or from a mobile device associated with the person; a transmitter configured to send the voice data, the fingerprint data, and the facial data to a plurality of authentication systems, and to send the password to an authorization system; a first authentication system configured to receive and process the voice data, the first authentication system comprising: a first receiver to receive the voice data; a first processor configured to: generate a first value in response to determining that at least some of the received voice data matches information associated with a previously stored voice data of the person, wherein the first value is based on at least some of the received voice data; send the first value to the authorization system; a second authentication system configured to receive and process the fingerprint data, the second authentication system comprising: a second receiver to receive the fingerprint data; a second processor configured to: generate a second value in response to determining that at least some of the received fingerprint data matches information associated with a previously stored fingerprint data of the person, wherein the second value is based on at least some of the received fingerprint data; send the second value to the authorization system; a third authentication system configured to receive and process the facial data, the third authentication system comprising: a third receiver to receive the facial data; a third processor configured to: generate a third value in response to determining that at least some of the received facial data matches information associated with a previously stored facial data of the person, wherein the third value is based on at least some of the received facial data; send the third value to the authorization system; the authorization system configured to authorize the person for the transaction based on the person’s biometric data and the password, the authorization system comprising: a fourth receiver to receive the first value, the second value, the third value, and the password; a fourth processor configured to: (a) determine that any two or more of the first value, the second value, and the third value are related by a mathematical function to or are same as a set of values that correspond to voice data, fingerprint data, and facial data previously known about the person; (b) determine that the password is associated with or is same as a pre-determined value associated with the person; © send, in response to performing (a) and (b), a message to the POS device, wherein the message indicates that the person is authorized for the transaction.

“2. The biometric authentication system of claim 1, wherein the mobile device configured to receive the password to be sent to or entered into the input device of the POS device, wherein the password is sent by the authorization system prior to the input device receiving the password, and wherein the password is periodically changed by the authorization system after a pre-determined length of time.

“3. The biometric authentication system of claim 2, wherein the input device is a Bluetooth device or a Near-Field Communication (NFC) device, and the password is sent by the mobile device to the input device by using Bluetooth or NFC technology, or wherein the input device is a keyboard, and the password is entered in the input device by the person.

“4. The biometric authentication system of claim 1, wherein the first value, the second value, and the third value are authentication hash values, wherein the first value is generated by using at least some of the received voice data and a first hash function, wherein the second value is generated by using at least some of the received fingerprint data and a second hash function, and wherein the third value is generated by using at least some of the received facial data and a third hash function.

“5. The biometric authentication system of claim 4, wherein the first hash function, the second hash function, and the third hash function are different hash functions.

“6. The biometric authentication system of claim 4, wherein the first hash function, the second hash function, and the third hash function are periodically changed after a pre-determined length of time.

“7. The biometric authentication system of claim 1, wherein the first value, the second value, the third value, and the password are associated with the person’s credit card or debit card number.

“8. The biometric authentication system of claim 1, wherein the first processor, the second processor, the third processor, and the fourth processor are a same processor, and wherein the first receiver, the second receiver, the third receiver, and the fourth receiver are a same receiver.

“9. The biometric authentication system of claim 1, wherein the password and at least one of the first value, the second value, or the third value are associated with the person’s credit card or debit card number.

“10. A biometric authentication system, comprising: a point-of-sale (POS) device to perform a transaction with a person, the POS device configured to: receive a first set of biometric data from the person, wherein the first set of biometric data is associated with a plurality of biometric categories; receive a password from the person or from a mobile device associated with the person; and send the first set of biometric data to one or more authentication systems, and send the password to an authorization system; each of the one or more authentication systems is configured to receive and process biometric data associated with one biometric category, wherein each authentication system is configured to: determine that at least some of the received biometric data matches information associated with a previously stored biometric data of the person; generate, in response to the determining, a value, wherein the value is based on at least some of the received biometric data; and send the value to the authorization system; the authorization system configured to authorize the person for the transaction based on the first set of biometric data and the received password, the authorization system configured to: (a) receive the password from the POS device; (b) receive a first set of values from the one or more authentication systems, wherein the first set of values correspond to the first set of biometric data received from the POS device; © determine that any two or more values in the first set of biometric data are related by a mathematical function to or are same as a second set of values that correspond to a second set of biometric data previously known about the person, wherein the second set of biometric data is associated with the plurality of biometric categories; (d) determine that the password is associated with or is the same as a pre-determined value associated with the person; and (e) send, in response to performing © and (d), a message to the POS device, wherein the message indicates that the person is authorized for the transaction.

“11. The biometric authentication system of claim 10, wherein the plurality of biometric categories includes voice, fingerprint, or facial features, and wherein the first set of biometric data and the second set of biometric data includes voice data of the person, fingerprint data of the person, or facial data of the person.

“12. The biometric authentication system of claim 10, wherein the mobile device configured to receive the password to be sent to or entered into the POS device, wherein the password is sent by the authorization system prior to the POS device receiving the password, and wherein the password is periodically changed by the authorization system after a pre-determined length of time.

“13. The biometric authentication system of claim 12, wherein the password is sent by the mobile device to the POS device by using Bluetooth or Near-Field Communication (NFC) technology, or wherein the password is entered in the POS device by the person.

“14. The biometric authentication system of claim 10, wherein the first set of values are authentication hash values, and wherein each value of the first set of values is generated by using at least some of the received biometric data and a hash function.

“15. The biometric authentication system of claim 14, wherein the hash function used for each biometric category is different.

“16. The biometric authentication system of claim 14, wherein the hash function is periodically changed after a pre-determined length of time.”

There are additional claims. Please visit full patent to read further.

For more information, see this patent: Medina, III, Reynaldo. Biometric authentication system. U.S. Patent Number 11328280, filed October 11, 2019, and published online on May 10, 2022. Patent URL: http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=11328280.PN.&OS=PN/11328280RS=PN/11328280

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