Granted Patent B2

US 12,737,491 · App. 18/975,254 · Granted Sep 15, 2026

Inventors: Luke Jurat (Fairfax, VA); Vuk Radoicic (Belgrade, RS); Stefan Lazovic (Belgrade, RS); Brandon Castro (Jacksonville, FL); Jeffrey G. Poli (Wauwatosa, WI)

Assignee: Fidelity Information Services, LLC

G06F21/6218G06F16/27G06F21/1011G06F21/1014G06F21/1015G06F21/32G06F21/64H04L63/10G06Q20/065G06Q20/326G06Q20/40H04L9/3231H04L63/083H04L63/0861

Abstract

Claims (61)

1 . A system for generating dynamic non-fungible tokens for authenticating one or more users, comprising:

a mobile device, including:

one or more sensors configured to capture an image or a video;

at least one memory storing instructions; and

one or more processors operatively connected with the one or more sensors and the at least one memory, and configured to execute the instructions to perform operations, including:

encoding biometric data for generating the dynamic non-fungible tokens, wherein the biometric data is associated with one or more users, wherein the encoding the biometric data for generating the dynamic non-fungible tokens includes cryptographically hashing each of the biometric data and concatenating each of the hashed biometric data;

storing the dynamic non-fungible tokens on a transaction block of a distributed blockchain, wherein the dynamic non-fungible tokens are associated with a programmatically defined smart contract written to the distributed blockchain; and

transmitting the dynamic non-fungible tokens to a plurality of service providers for authenticating the one or more users.

2 . The system of claim 1 , wherein encoding the biometric data to generate the dynamic non-fungible tokens, further comprises:

generating and storing a singular hash representing the concatenated hashed biometric data; and

generating the dynamic non-fungible tokens representing the singular hash.

3 . The system of claim 2 , wherein storing the dynamic non-fungible tokens on the transaction block of the distributed blockchain, further comprises:

receiving a blockchain address and a verification that the transaction block is recorded in the distributed blockchain; and

monitoring, in real-time or near real-time, the distributed blockchain and a transaction on the distributed blockchain matching the blockchain address of the distributed blockchain.

4 . The system of claim 3 , further comprising:

updating metadata associated with at least one dynamic non-fungible token based, at least in part, on the monitoring;

generating a new dynamic non-fungible token based, at least in part, on the updated metadata; and

concatenating the new dynamic non-fungible token in a pre-defined order, wherein the pre-defined order includes connecting the new dynamic non-fungible token to a preceding dynamic non-fungible token on the transaction block of the distributed blockchain.

5 . The system of claim 1 , wherein storing the dynamic non-fungible tokens, further comprises:

holding the dynamic non-fungible tokens in a first digital wallet of a blockchain network, wherein the first digital wallet generates a private key.

6 . The system of claim 5 , wherein transmitting the dynamic non-fungible tokens, further comprises:

receiving, via a mobile device, at least one request for processing the dynamic non-fungible tokens on the transaction block of the distributed blockchain from the one or more users, wherein the at least one request includes transmitting the dynamic non-fungible tokens to the plurality of service providers; and

transmitting the dynamic non-fungible tokens from the first digital wallet to a second digital wallet of the blockchain network, wherein the second digital wallet is associated with the plurality of service providers.

7 . The system of claim 6 , wherein the at least one request identifies the dynamic non-fungible tokens by a content identification, a path identification, or a combination thereof.

8 . The system of claim 1 , further comprising:

minting, on the distributed blockchain, the dynamic non-fungible tokens.

9 . The system of claim 1 , wherein the biometric data includes iris patterns, an eye color, facial details, hand geometry, a fingerprint, or a combination thereof of the one or more users.

10 . A computer-implemented method for generating dynamic non-fungible tokens for authenticating one or more users, comprising:

encoding biometric data for generating the dynamic non-fungible tokens, wherein the biometric data is associated with one or more users, wherein the encoding the biometric data for generating the dynamic non-fungible tokens includes cryptographically hashing each of the biometric data and concatenating each of the hashed biometric data;

storing the dynamic non-fungible tokens on a transaction block of a distributed blockchain, wherein the dynamic non-fungible tokens are associated with a programmatically defined smart contract written to the distributed blockchain; and

transmitting the dynamic non-fungible tokens to a plurality of service providers for authenticating the one or more users.

11 . The computer-implemented method of claim 10 , wherein encoding the biometric data to generate the dynamic non-fungible tokens, further comprises:

generating and storing a singular hash representing the hashed biometric data; and

generating the dynamic non-fungible tokens representing the singular hash.

12 . The computer-implemented method of claim 11 , wherein storing the dynamic non-fungible tokens on the transaction block of the distributed blockchain, further comprises:

receiving a blockchain address and a verification that the transaction block is recorded in the distributed blockchain; and

monitoring, in real-time or near real-time, the distributed blockchain and a transaction on the distributed blockchain matching the blockchain address of the distributed blockchain.

13 . The computer-implemented method of claim 12 , further comprising:

updating metadata associated with at least one dynamic non-fungible token based, at least in part, on the monitoring;

generating a new dynamic non-fungible token based, at least in part, on the updated metadata; and

concatenating the new dynamic non-fungible token in a pre-defined order, wherein the pre-defined order includes connecting the new dynamic non-fungible token to a preceding dynamic non-fungible token on the transaction block of the distributed blockchain.

14 . The computer-implemented method of claim 10 , wherein storing the dynamic non-fungible tokens, further comprises:

holding the dynamic non-fungible tokens in a first digital wallet of a blockchain network, wherein the first digital wallet generates a private key.

15 . The computer-implemented method of claim 14 , wherein transmitting the dynamic non-fungible tokens, further comprises:

receiving, via a mobile device, at least one request for processing the dynamic non-fungible tokens on the transaction block of the distributed blockchain from the one or more users, wherein the at least one request includes transmitting the dynamic non-fungible tokens to the plurality of service providers; and

transmitting the dynamic non-fungible tokens from the first digital wallet to a second digital wallet of the blockchain network, wherein the second digital wallet is associated with the plurality of service providers.

16 . The computer-implemented method of claim 15 , wherein the at least one request identifies the dynamic non-fungible tokens by a content identification, a path identification, or a combination thereof.

17 . A non-transitory computer readable medium for generating dynamic non-fungible tokens for authenticating one or more users, the non-transitory computer readable medium storing instructions which, when executed by one or more processors, cause the one or more processors to perform operations, comprising:

encoding biometric data for generating the dynamic non-fungible tokens, wherein the biometric data is associated with one or more users, wherein the encoding the biometric data for generating the dynamic non-fungible tokens includes cryptographically hashing each of the biometric data and concatenating each of the hashed biometric data;

storing the dynamic non-fungible tokens on a transaction block of a distributed blockchain, wherein the dynamic non-fungible tokens are associated with a programmatically defined smart contract written to the distributed blockchain; and

transmitting the dynamic non-fungible tokens to a plurality of service providers for authenticating the one or more users.

18 . The non-transitory computer readable medium of claim 17 , wherein encoding the biometric data to generate the dynamic non-fungible tokens, further comprises:

generating and storing a singular hash representing the hashed biometric data hashes; and

generating the dynamic non-fungible tokens representing the singular hash.

19 . The non-transitory computer readable medium of claim 18 , wherein storing the dynamic non-fungible tokens on the transaction block of the distributed blockchain, further comprises:

receiving a blockchain address and a verification that the transaction block is recorded in the distributed blockchain; and

monitoring, in real-time or near real-time, the distributed blockchain and a transaction on the distributed blockchain matching the blockchain address of the distributed blockchain.

20 . The non-transitory computer readable medium of claim 19 , further comprising:

updating metadata associated with at least one dynamic non-fungible token based, at least in part, on the monitoring;

generating a new dynamic non-fungible token based, at least in part, on the updated metadata; and

concatenating the new dynamic non-fungible token in a pre-defined order, wherein the pre-defined order includes connecting the new dynamic non-fungible token to a preceding dynamic non-fungible token on the transaction block of the distributed blockchain.

Assignments (1)

Continuity (3)

References Cited (34)