User authentication and data encryption systems and methods

Abstract

Systems and methods for authenticating a request to initiate an electronic transaction and systems and encrypting data relating to executed electronic transactions are provided. Such systems and methods include receiving an electronic request signal, retrieving verified data associated with a user account, extracting verification data, and comparing the verification data against the verified data to authenticate the electronic request signal. Furthermore, when the electronic request signal is determined as authentic, such systems and methods include executing the secured electronic transaction, digitally encrypting transaction data using a digital text string, and registering the transaction data as encrypted with one or more databases.

What is claimed is: 
     
         1 . A method comprising:
 receiving an electronic request signal relating to a user account;   initiating a secured electronic transaction in response to receiving the electronic request signal;   extracting verification data from information included with the electronic request signal;   authenticating the electronic request signal;   executing the secured electronic transaction;   digitally encrypting transaction data relating to the secured electronic transaction using a digital text string; and   registering the transaction data as encrypted with one or more databases.   
     
     
         2 . The method of  claim 1  further comprising:
 inputting a digital image into a digital image processing module to extract identifying features from the digital image, wherein the information included with the electronic request signal includes the digital image and the verification data includes the identifying features extracted from the digital image; 
 authenticating the electronic request signal by comparing the verification data against the verified data to determine whether the electronic request signal is authentic or fraudulent; 
 determining that the electronic request signal is authentic when the verification data representing the identifying features matches a preconfigured percentage of the verified data representing a verified object; and 
 determining that the electronic request signal is fraudulent when the verification data representing the identifying features fails to match the preconfigured percentage of the verified data representing the verified object. 
 
     
     
         3 . The method of  claim 1  further comprising:
 inputting a digital image into a digital image processing module to extract identifying features from the digital image, wherein the information included with the electronic request signal includes the digital image and the verification data includes the identifying features extracted from the digital image; 
 extracting verification background features as the identifying features using a background recognition module of the digital image processing module; 
 determining that the electronic request signal is authentic when the verification background features matches a preconfigured percentage of verified background features; and 
 determining that the electronic request signal is fraudulent when the verification background features fail to match the preconfigured percentage of the verified background features. 
 
     
     
         4 . The method of  claim 1  further comprising:
 inputting a digital image to a digital image processing module to extract identifying features from the digital image, wherein the information included with the electronic request signal includes the digital image and the verification data includes the identifying features extracted from the digital image; 
 extracting a first portion of the identifying features using an object recognition module of the digital image processing module; 
 extracting a second portion of the identifying features using a background recognition module of the digital image processing module; 
 determining that the electronic request signal is authentic when both the first portion of the identifying features matches a preconfigured percentage of a verified object and the second portion of the identifying features matches thepreconfigured percentage of verified background features; and 
 determining that the electronic request signal is fraudulent when one or both of the first portion of the identifying features fails to match a first preconfigured percentage of the verified object and the second portion of the identifying features fails to match a second preconfigured percentage of the verified background features. 
 
     
     
         5 . The method of  claim 1  further comprising:
 receiving verification metadata with the electronic request signal as the information included with the electronic request signal; 
 determining that the electronic request signal is authentic when the verification metadata matches a preconfigured amount of verified metadata, wherein the verified data includes the verified metadata; and 
 determining that the electronic request signal is fraudulent when the verification metadata fails to match the preconfigured amount of verified metadata. 
 
     
     
         6 . The method of  claim 1  further comprising:
 determining the electronic request signal is authentic; 
 converting a digital image received with the electronic request signal into the digital text string; 
 cryptographically hashing the digital text string to output a secret key; and 
 digitally encrypting transaction data relating to the secured electronic transaction using the secret key. 
 
     
     
         7 . The method of  claim 6  wherein an encryption protocol used to digitally encrypting the transaction data relating to the secured electronic transaction using the secret key includes one of AES-256-CBC, AES-256-GCM, AES-512-CBC, and AES-512-GCM. 
     
     
         8 . The method of  claim 1  wherein the one or more databases include one or more blockchains, wherein registering the transaction data as encrypted includes dividing transaction data as encrypted into a plurality of segments and the registering each of the plurality of segments at a different one of the one or more blockchains. 
     
     
         9 . A method comprising:
 receiving an electronic request signal to process a pending secured electronic transaction relating to a first user account and a second user account;   retrieving first verified data associated with the first user account from a data storage device;   extracting first verification data from information included with the electronic request signal;   authenticating the electronic request signal for the first verification data;   receiving an electronic acceptance signal for the pending secured transaction when the electronic request signal is determined as authentic for the first verification data;   retrieving second verified data associated with the second user account from a digital data storage device, wherein the second user account is identified from transaction processing data included in the electronic request signal;   extracting second verification data from information included with the electronic acceptance signal;   authenticating the electronic acceptance signal for the second verification data;   digitally encrypting transaction data relating to execution of the pending secured transaction using a digital text string; and   registering the pending secured transaction data as encrypted with one or more databases.   
     
     
         10 . A system comprising:
 a programmable processor;   a communication interface electrically coupled to the programmable processor; and   a data storage device that stores verified data associated with a user account;   wherein the programmable processor:
 receives an electronic request signal to initiate processing of a secured electronic transaction relating to the user account; 
 retrieves the verified data associated with the user account from a digital data storage device; 
 extracts verification data from information included with the electronic request signal; 
 compares the verification data against the verified data to authenticate the electronic request signal; 
 when the electronic request signal is determined as authentic, initiate the secured electronic transaction; 
 digitally encrypt transaction data relating to the secured electronic transaction; and 
 register the transaction data as encrypted with one or more databases via the communication interface. 
   
     
     
         11 . The system of  claim 10  wherein the programmable processor:
 inputs a digital image into a digital image processing module to extract identifying features from the digital image, wherein the information included with the electronic request signal includes the digital image and the verification data includes the identifying features extracted from the digital image; and 
 authenticates the electronic request signal by comparing the identifying features extracted from the digital image to a verified object. 
 
     
     
         12 . The system of  claim 10  wherein the programmable processor:
 inputs a digital image to a digital image processing module to extract identifying background features from the digital image, wherein the information included with the electronic request signal includes the digital image and the verification data includes the identifying background features extracted from the digital image; and 
 authenticates the electronic request signal by comparing the identifying background features extracted from the digital image to verified background features. 
 
     
     
         13 . The system of  claim 10  wherein the programmable processor:
 inputs a digital image into a digital image processing module to extract identifying features from the digital image, 
 wherein the information included with the electronic request signal includes the digital image and the verification data includes the identifying features extracted from the digital image; 
 extracts a first portion of the identifying features using an object recognition module included in the digital image processing module; 
 extracts a second portion of the identifying features using a background recognition module included in the digital image processing module; and 
 authenticates the electronic request signal by comparing the first portion and the second portion of the identifying features of the verification data to the verified data. 
 
     
     
         14 . The system of  claim 10  wherein the programmable processor:
 receive verification metadata with the electronic request signal as the information included with the electronic request signal; and 
 authenticate the electronic request signal by comparing the verification metadata to a preconfigured amount of verified metadata. 
 
     
     
         15 . The system of  claim 10  wherein the programmable processor:
 determines the electronic request signal is authentic; 
 converts a digital image received with the electronic request signal into a digital text string; 
 cryptographically hashes the digital text string to output a secret key; and 
 digitally encrypts transaction data relating to the secured electronic transaction using the secret key. 
 
     
     
         16 . The system of  claim 10  further comprising:
 a user interface electrically coupled to the programmable processor that responsive to user input sends the electronic request signal to the programable processor. 
 
     
     
         17 . The system of  claim 10  further comprising:
 a digital camera electrically coupled to the programmable processor that captures and sends a digital image to the programmable processor. 
 
     
     
         18 . The system of  claim 15  wherein converting the digital image into the digital text string includes converting binary data which comprises the digital image into a Base64 digital text string. 
     
     
         19 . The system of  claim 15  wherein an encryption protocol used to digitally encrypt the transaction data relating to the secured electronic transaction using the secret key includes one of AES-256-CBC, AES-256-GCM, AES-512-CBC, and AES-512-GCM. 
     
     
         20 . The system of  claim 10  wherein the one or more databases include one or more blockchains, wherein registering the transaction data as encrypted includes dividing transaction data as encrypted into a plurality of segments and the registering each of the plurality of segments at a different one of the one or more blockchains.