Systems and methods for biometric electronic signature agreement and intention

A method, comprising:

• receiving, by a computing system associated with a relying party, a biometric electronic signature agreement and intent (“BESAI”) token, the BESAI token including an encrypted biometric sample received from a signing party, and a signing party identifier in clear text associated therewith;
• retrieving, by the computing system, a stored knowledge factor;
• generating, by the computing system, a decryption key using the stored knowledge factor as an input to a password authenticated key exchange protocol, the stored knowledge factor based on the signing party identifier;
• verifying, by the computing system, the BESAI token by decrypting the BESAI token using the decryption key;
• receiving, by the computing system from the signing party, a rescind message;
• determining, by the computing system based on the rescind message, whether the signing party rescinds an electronic agreement associated with the BESAI token;
• in response to determining the signing party rescinds the electronic agreement, extracting, by the computing system, the biometric sample from the BESAI token;
• and
• transmitting, by the computing system, the biometric sample to the signing party,
• wherein the biometric sample comprises at least one of:
• an approval sample comprising a first biometric representation of the signing party's approval of terms of the electronic agreement, and
• an intent sample comprising a second biometric representation of confirmation of the signing party's intent to sign the electronic agreement.

A system, comprising:

• a signing party computing system, comprising a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the computing system to:
• receive a secret knowledge factor;
• receive a biometric sample, the biometric sample comprising at least one of:
• an approval sample comprising a first biometric representation of the signing party's approval of terms of an electronic agreement, and
• an intent sample comprising a second biometric representation of confirmation of the signing party's intent to sign the electronic agreement;
• generate an encryption key using the secret knowledge factor as an input to a password authenticated key exchange protocol;
• encrypt the biometric sample with the encryption key;
• and
• generate a biometric electronic signature agreement and intent (“BESAI”) token including the encrypted biometric sample, and a signing party identifier in clear text associated therewith,
• wherein the BESAI token is verified using a decryption key generated using a stored knowledge factor as an input to the password authenticated key exchange protocol, the stored knowledge factor retrieved based on the signing party identifier, the BESAI token being verified by decrypting the BESAI token using the decryption key, and
• wherein the approval of the terms of the electronic agreement and confirmation of intent to sign the electronic agreement by the signing party is verified after decrypting the BESAI token.

A method, comprising:

• receiving, by a computing system, a first knowledge factor and a second knowledge factor from a signing party;
• transmitting, by the computing system, a request to the signing party to record a biometric sample, the biometric sample comprising at least one of:
• an approval sample comprising a first biometric representation of the signing party's approval of terms of the electronic agreement, and
• an intent sample comprising a second biometric representation of confirmation of the signing party's intent to sign the electronic agreement;
• receiving, by the computing system, the biometric sample;
• encrypting in a record of the electronic agreement, by the computing system, the biometric sample, a record identifier, and at least one of the first knowledge factor and the second knowledge factor;
• determining, by the computing system based on a rescind message received from the signing party, whether the signing party rescinds the electronic agreement;
• in response to determining that the signing party rescinds the electronic agreement, decrypting, by the computing system, the record using at least one of the first knowledge factor and the second knowledge factor;
• and
• extracting, by the computing system, the biometric sample from the record after decrypting the record.