Granted Patent B1

US 10,671,712 · App. 15/909,416 · Granted Jun 2, 2020

Inventors: David Lindley (Boerne, TX); Alexander Benetto Nagelberg (San Antonio, TX); Maland Keith Mortensen (San Antonio, TX); Joseph Gregory Delong (Humble, TX); Shantanu K. Tripathy (San Antonio, TX); Zachary T. Golden (San Antonio, TX); Kevin D. Love (San Antonio, TX); Brian Keith Anderson (San Antonio, TX); Kasey T. Moore (San Antonio, TX)

Assignee: United Services Automobile Association (USAA)

G06F21/32G06F21/60H04L9/0866H04L63/12G06F16/93H04L2209/38

Abstract

Claims (59)

1. A method for authenticating a signature of a document, the method comprising:

receiving biometric information from a user;

extracting characteristics from the biometric information;

comparing the characteristics of the biometric information with previously stored characteristics of biometric information associated with the user;

in response to the characteristics of the biometric information matching the previously stored characteristics to a threshold, creating an identity of the user using the characteristics of the biometric information;

associating a document with the identity of the user;

sending, to the user, the document for cryptographic signature;

receiving an indication of a transaction, wherein the transaction is the cryptographic signature of the document, wherein the cryptographic signature is generated with a digest of the document, the identity, and a cryptographic key associated with the user;

receiving, from a third party notary, an indication of a second transaction, wherein the second transaction is a second cryptographic signature of the transaction verifying the digest of the document, the cryptographic key, and the identity of the user,

wherein the third party notary is a person;

inspecting the second cryptographic signature;

digitally encoding the document with a seal, wherein the digitally encoded seal is encoded with a hash of indication of a source of the document; and

recording the document as notarized by the third party notary, wherein the cryptographic signature and the second cryptographic signature are completed asynchronously.

2. The method of claim 1 , wherein the biometric information is one of a heartbeat waveform, a fingerprint, or a blood sample.

3. The method of claim 1 , wherein the cryptographic key is generated using the characteristics from the biometric information, wherein the cryptographic key is re-generated for each cryptographic signature.

4. The method of claim 1 , wherein the transaction and the second transaction are recorded on a distributed ledger.

5. The method of claim 1 , wherein the identity of the user is anonymous to the public, wherein the method further comprises:

associating the identity of the user with additional identifying information;

and storing the additional identifying information in a private database.

6. A non-transitory computer-readable storage medium containing a set of instructions that, when executed by one or more processors, cause a machine to:

receive biometric information from a user;

extract characteristics from the biometric information;

compare the characteristics of the biometric information with previously stored characteristics of biometric information associated with the user;

in response to the characteristics of the biometric information matching the previously stored characteristics to a threshold, create an identity of the user using the characteristics of the biometric information;

send, to the user, a document for cryptographic signature;

receive an indication of a transaction, wherein the transaction is the cryptographic signature of the document, wherein the cryptographic signature is generated with a digest of the document, the identity, and a cryptographic key associated with the user;

receive, from a third party notary, an indication of a second transaction, wherein the second transaction is a second cryptographic signature of the transaction verifying the digest of the document, the cryptographic key, and the identity of the user,

wherein the third party notary is a person;

inspect the second cryptographic signature;

digitally encode the document with a seal, wherein the digitally encoded seal is encoded with a hash of indication of a source of the document; and

record the document as notarized by the third party notary, wherein the cryptographic signature and the second cryptographic signature are completed asynchronously.

7. The non-transitory, computer-readable storage medium of claim 6 , wherein the biometric information is one of a heartbeat waveform, a fingerprint, or a blood sample.

8. The non-transitory, computer-readable storage medium of claim 6 , wherein the set of instructions, when executed by the one or more processors, further cause the machine to generate the cryptographic key using the characteristics from the biometric information, wherein the cryptographic key is re-generated for each authentication request.

9. The non-transitory, computer-readable storage medium of claim 6 , wherein the cryptographic key is a static key.

10. The non-transitory, computer-readable storage medium of claim 6 , wherein the transaction and the second transaction are recorded on a distributed ledger.

11. The non-transitory, computer-readable storage medium of claim 6 , wherein the identity of the user is anonymous to the public, wherein the set of instructions, when executed by the one or more processors, further cause the machine to:

associate the identity of the user with additional identifying information; and

store the additional identifying information in a private database.

12. A system comprising:

at least one hardware computer, wherein the computer is configured to execute software modules, including:

a request receiving module that receives biometric information from a user;

an identity verification module that:

extracts characteristics from the biometric information;

compares the characteristics of the biometric information with previously stored characteristics of biometric information associated with the user;

in response to the characteristics of the biometric information matching the previously stored characteristics to a threshold, creates an identity of the user using the characteristics of the biometric information;

sends, to the user, a document for cryptographic signature;

receives an indication of a transaction, wherein the transaction is the cryptographic signature of the document, wherein the cryptographic signature is generated with a digest of the document, the identity, and a cryptographic key associated with the user;

receives, from a third party notary, an indication of a second transaction, wherein the second transaction is a second cryptographic signature of the transaction verifying the digest of the document, the cryptographic key, and the identity of the user,

wherein the third party notary is a person;

inspects the second cryptographic signature;

digitally encode the document with a seal, wherein the digitally encoded seal is encoded with a hash of indication of a source of the document; and

a notary seal module that records the document as notarized by the third party notary, wherein the cryptographic signature and the second cryptographic signature are completed asynchronously.

13. The system of claim 12 , wherein the biometric information is one of a heartbeat waveform, a fingerprint, or a blood sample.

14. The system of claim 12 , wherein the identity verification module further generates the cryptographic key using the characteristics from the biometric information, wherein the cryptographic key is re-generated for each authentication request.

15. The system of claim 12 , wherein the cryptographic key is a static key.

16. The system of claim 12 , wherein the transaction and the second transaction are recorded on a distributed ledger.

17. The system of claim 12 , wherein the identity of the user is anonymous to the public, wherein the identity verification module further:

associates the identity of the user with additional identifying information; and

stores the additional identifying information in a private database.

Assignments (2)

Continuity (1)

Cited By (13)

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