NCR has been granted a patent for a method that uses biometric tokens to authenticate users and process pre-staged transactions. The method involves generating a token from a user’s biometric attributes, associating it with a pre-staged transaction, and matching it with a candidate token generated at a transaction terminal to authenticate the user and complete the transaction. GlobalData’s report on NCR gives a 360-degree view of the company including its patenting strategy. Buy the report here.
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According to GlobalData’s company profile on NCR, Automated Teller Machines (ATM) was a key innovation area identified from patents. NCR's grant share as of September 2023 was 75%. Grant share is based on the ratio of number of grants to total number of patents.
Biometric token authentication for pre-staged transactions
A recently granted patent (Publication Number: US11777930B2) describes a method and system for secure transaction authentication using biometric measurements. The method involves associating a token with a pre-staged transaction defined by a user. This includes obtaining biometric measurements from the user and hashing them to obtain a value that links to a transaction identifier. The transaction identifier and token are provided to the user.
To authenticate the user at a terminal, the method instructs the terminal to capture biometric features of the user and calculate current biometric measurements based on the token type. The current measurements are hashed to obtain a current value, which is then compared against the value associated with the token. If the values match, the user is authenticated for the pre-staged transaction, and the transaction is processed on behalf of the user.
The method also includes removing the token upon confirmation that the pre-staged transaction was processed by the terminal. Additionally, the user can be identified by receiving notification that they authenticated to a user account at the terminal and matching the user account to the pre-staged transaction.
The patent further describes interacting with a user device to define the token and pre-staged transaction. This involves obtaining initial biometric features captured by the user device, calculating biometric measurements from these features, hashing the measurements to obtain the value, and generating the token.
The method also includes authenticating the user to a user account before associating the token. The user selects a biometric type from a plurality of options, and peripheral devices on the user device are activated based on the selected type to capture peripheral data. The biometric measurements are then calculated from the peripheral data, hashed to obtain the value, and retained as the token.
The patent also describes a system that includes a server with a processor and memory. The server obtains biometric features from a user, takes measurements from these features, generates a biometric token by hashing the measurements, and associates the token with a pre-staged transaction and user account. The server then sends the token and transaction details to a terminal, which captures candidate biometric features, generates a candidate biometric token, and authenticates the candidate token against the original token to process the pre-staged transaction.
Overall, this patent presents a method and system for secure transaction authentication using biometric measurements, providing enhanced security and convenience for users.
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GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.
