# US 10,769,433 B2 · Method for biometric based signing of document

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- Number: US 10,769,433 B2
- Document ID: US10769433B2
- Status: Granted
- Kind: B2
- Application number: 15/796,017
- Filed: 2017-10-27
- Published: 2018-05-17
- Granted: 2020-09-08
- Earliest claimed: 2016-11-14
- Assignees: Mastercard International Incorporated
- Applicants: MasterCard International Incorporated
- Inventors: Dawid Nowak; John Allen
- Web page: https://patentgrep.com/patent/US10769433B2

## CPC

- G06V 20/80: Recognising image objects characterised by unique random patterns
- G06F 3/013: {Eye tracking input arrangements (G06F3/015 takes precedence)}
- G06F 21/32: using biometric data, e.g. fingerprints, iris scans or voiceprints
- G06F 21/64: Protecting data integrity, e.g. using checksums, certificates or signatures
- G06Q 10/10: Office automation; Time management
- G06V 40/70: Multimodal biometrics, e.g. combining information from different biometric modalities
- G06F 2221/2139: Recurrent verification
- G06V 40/117: {Biometrics derived from hands}
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A method for biometry based signing of documents. In an embodiment, the method includes receiving, on a terminal, a signature request associated to a document from a requester, and displaying the document to the user on the user terminal. The process also includes requesting at least once a biometric identification of the user to create at least one signing receipt, associating the signing receipt to the document, and transmitting the document and/or the signing receipt from the user terminal to the requester.

## Claims

### Claim 1

A method for biometric based signing of documents comprising:
receiving, by a user terminal via an authentication platform from a requestor, a signature request associated to a document, the signature request comprising preferences defining a combination of at least one portion of the document to present for a minimum document presentation time and at least two signing positions, and further comprising a type of biometric signing required for valid signing of the document;
displaying, by the user terminal on a display, a first portion of the document to a user for the minimum document presentation time;
presenting, by the user terminal on the display, a request for the type of biometric signing based on the preferences to associate with the first portion of the document;
matching, by the user terminal in response to the request for the type of biometric signing, biometric samples provided by the user to a biometric template created during an enrollment process;
repeating, by the user terminal, the displaying, presenting and matching steps for at least a second signing position based on the preferences;
determining, by the user terminal, that the preferences associated with the biometric signature requests have been satisfied;
creating, by the user terminal, at least one signing receipt;
associating, by the user terminal, the at least one signing receipt to the document; and
transmitting, by the user terminal via the authentication platform to the requestor, at least one of the document and the signing receipt confirming successful signing of the document.

### Claim 2 (depends on 1)

The method according to claim 1, wherein the preferences further comprise recognition of the content of the document by the user.

### Claim 3 (depends on 2)

The method according to claim 2, wherein content recognition is determined by detecting the eye movement of the user.

### Claim 4 (depends on 1)

The method according to claim 1, wherein the preferences further comprise evaluation of the attention of the user reading the document.

### Claim 5 (depends on 4)

The method according to claim 4, wherein the attention of the user is evaluated based on changes in facial expression of the user.

### Claim 6 (depends on 1)

The method according to claim 1, wherein identification of the user is done automatically at the positions or time intervals as defined in the preferences.

### Claim 7 (depends on 1)

The method according to claim 1, wherein the preferences include additional information to be overlaid with the document interacting with the user.

### Claim 8 (depends on 7)

The method according to claim 7, wherein the additional information relates to user specific data.

### Claim 9 (depends on 8)

The method according to claim 8, wherein the additional information links content of the document with the user specific data to support memorization of the content.

### Claim 10

A terminal for performing a method for biometric based signing of a document, the terminal comprising:
a display unit;
a capturing unit operably connected to the display unit for capturing information related to a characteristic used for biometric signing; and
a processing unit operably connected to the display unit and to the capturing unit and configured to:
receive, via an authentication platform from a requestor, a signature request associated to a document, the signature request comprising preferences defining a combination of at least one portion of the document to present for a minimum document presentation time and at least two signing positions, and further comprising a type of biometric signing required for valid signing of the document;
display, on the display unit, a first portion of the document to a user for the minimum document presentation time;
present a signature request on the display unit, the signature request for the type of biometric signing based on the preferences to associate with the first portion of the document;
match in response to the request for the type of biometric signing, biometric samples provided by the user in response to the signature request to a biometric template created during an enrollment process;
repeat the displaying, presenting and matching steps for at least a second signing position based on the preferences;
determine that the preferences associated with the biometric signature requests have been satisfied;
create at least one signing receipt;
associate the at least one singing receipt to the document; and
transmit at least one of the document and the signing receipt to the requestor confirming successful signing of the document.

### Claim 11 (depends on 10)

The terminal of claim 10, further comprising a communication unit.

### Claim 12

A non-transitory computer-readable medium storing program instructions executable by a processor of a user device which when executed cause the processor to perform biometric based signing of documents, the method comprising:
receiving, by a user terminal via an authentication platform from a requestor, a signature request associated to a document, the signature request comprising preferences defining a combination of at least one portion of the document to present for a minimum document presentation time and at least two signing positions, and further comprising a type of biometric signing required for valid signing of the document;
displaying, by the user terminal on a display, a first portion of the document to a user for the minimum document presentation time;
presenting, by the user terminal on the display, a request for the type of biometric signing based on the preferences to associate with the first portion of the document;
matching, by the user terminal in response to the request for the type of biometric signing, biometric samples provided by the user to a biometric template created during an enrollment process;
repeating, by the user terminal, the displaying, presenting and matching steps for at least a second signing position based on the preferences;
determining, by the user terminal, that the preferences associated with the biometric signature requests have been satisfied;
creating, by the user terminal, at least one signing receipt;
associating, by the user terminal, the at least one signing receipt to the document; and
transmitting, by the user terminal via the authentication platform to the requestor, at least one of the document and the signing receipt confirming successful signing of the document.