Authorization of a financial transaction

• US 10,038,691 B2
• Filed: 09/24/2015
• Issued: 07/31/2018
• Est. Priority Date: 10/08/2013
• Status: Active Grant

• Current Assignee: Princeton Identity Inc.
• Original Assignee: Princeton Identity Inc.
• Inventors: Perna, Steven N., Clifton, Mark A., Kim, Jongjin, Varma, Bobby S., Piro, Stephen J., Mapen, Barry E., Richards, Kevin P., Ackerman, David Alan, Lanzillotto, Ann-Marie, Wade, David J., Davis, Timothy J., Fleisch, Michael P., Bhangley, Jitendra J., Van Sant, Glen J., Green, John Timothy
• Primary Examiner(s): Entezari, Michelle M
• Application Number:
  US14/863,936
• Publication Number:
  US 20160014121A1
• Time in Patent Office: 1,041 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06V 40/19 Sensors therefor
• CPC Class Codes: G06V 40/193 Preprocessing; Feature extraction
• CPC Class Codes: G06V 40/197 Matching; Classification
• CPC Class Codes: G07C 2209/02 Access control comprising means for the enrolment of users
• CPC Class Codes: G07C 9/37 using biometric data, e.g. fingerprints, iris scans or voice recognition
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: Y10T 70/625 Operation and control

Abstract

An iris biometric recognition module includes technology for capturing images of an iris of an eye of a person, whether the person is moving or stationary. The iris biometric recognition technology can perform an iris matching procedure for, e.g., authentication or identity purposes, by comparing a digital iris image to a reference iris image and, if at least a portion of the digital and reference iris images match, authenticating a person as authorized to conduct a financial transaction.

Claims

1. A biometric access control device comprising:

a camera having a field of view;

an illuminator device comprising one or more illuminators that emit light into the field of view;

a client device enabled to authenticate a person to access a financial software and execute a financial transaction;

an input device;

memory storing program instructions; and

a processor communicatively coupled to the illuminator device, the camera, the client device, the input device, and the memory, and further communicatively coupled to a database storing a reference iris image for a user validated to access the financial software, the processor executing the program instructions to;

receive an input signal from the input device;

determine that the input signal comprises a permission to scan an iris of a person in proximity to the client device;

align the camera with the iris of the person;

send a first control signal to the illuminator device, the first control signal activating a synchronous emission of light by the one or more illuminators;

send a second control signal to the camera, the second control signal activating a capture of a plurality of digital images by the camera, the capture being synchronous with the synchronous emission of light;

receive the plurality of digital images from the camera;

access the database and retrieve the reference iris image;

determine that a first digital image of the plurality of digital images matches the reference iris image, wherein the first digital image is a low resolution image selected from a plurality of resolutions, and wherein determining the match comprises selecting a low frequency component corresponding to said low resolution image, said low resolution image and said low frequency component being the lowest sufficient to identify coarse iris features;

authenticate the person as authorized to execute the financial transaction; and

execute the financial transaction.

2. The biometric access control device of claim 1, wherein the financial transaction is conducted via the financial software at an automated teller machine.

3. The biometric access control device of claim 1, wherein the processor executing the program instructions to:

determine that the first digital image of the plurality of digital images does not match the reference iris image; and

deny the person access to the financial software on the client device.

4. The biometric access control device of claim 1, wherein the camera, the illuminator device, the input device, the memory and the processor are incorporated into the client device.

5. The biometric access control device of claim 1, wherein:

the illuminator device comprises at least one infrared illuminator; and

the program instructions operate the illuminator device to illuminate the iris with a pulsing or strobe illumination operation above continuous wave eye safe limits.

6. The biometric access control device of claim 1, wherein the camera, the illuminator device, the client device, the input device, the memory and the processor are communicatively coupled, via wired or wireless internet connectivity, to a local, remote or cloud database.

10. The iris biometric financial transaction authorization system of claim 1, wherein the iris biometric recognition module is communicatively coupled, via wired or wireless internet connectivity, to a local, remote or cloud database.

19. The biometric access control device of claim 1, wherein the biometric access control device is a multiresolution system and the low resolution image is a next lowest resolution image and the low frequency component is a next lowest frequency component.

20. The biometric access control device of claim 1, wherein the low frequency component is selected to correspond with an angular spatial frequency of one of (a) 12 cycles per 2 pi, and (b) 8 cycles per 2 pi.

21. The biometric access control device of claim 1, wherein determining that the first digital image of the plurality of digital images matches the reference iris image comprises applying a filter corresponding to a resolution of said low resolution image.

22. The biometric access control device of claim 1, wherein selecting the low resolution image from the plurality of resolutions is performed by the processor.

7. An iris biometric financial transaction authorization system comprising:

an iris biometric recognition module that authenticates a person for authorization of a financial transaction, the iris biometric recognition module comprising;

an iris imager device comprising a lens;

an illuminator device;

memory storing program instructions; and

one or more processors communicatively coupled to the iris imager device, the illuminator device, and the memory, the one or more processors executing the program instructions to;

align the lens of the iris imager device with an iris of the person;

operate the illuminator device to illuminate the iris;

operate the iris imager device to produce a digital image of the iris;

compare the digital image to a reference iris image; and

responsive to a determination that the digital image matches the reference iris image, authorize the financial transaction, wherein the digital image is a low resolution image selected from a plurality of resolutions, and wherein said determining the match comprises selecting a low frequency component corresponding to said low resolution image, said low resolution image and said low frequency component being the lowest sufficient to identify coarse iris features.

8. The iris biometric financial transaction authorization system of claim 7, wherein the financial transaction is authorized via a combination of the determination that the digital image matches the reference iris image and at least one additional authentication technique.

9. The iris biometric financial transaction authorization system of claim 7, wherein the iris imager device, the illuminator device and the iris biometric recognition module are incorporated into a mobile device.

11. The iris biometric financial transaction authorization system of claim 7, wherein the one or more processors execute the program instructions terminate authorization for the financial transaction after a predetermined time period.

12. The iris biometric financial transaction authorization system of claim 7, wherein the financial transaction is conducted at an automated teller machine.

23. The iris biometric financial transaction authorization system of claim 7, wherein the iris biometric financial transaction authorization system is a multiresolution system and the low resolution image is a next lowest resolution image and the low frequency component is a next lowest frequency component.

24. The iris biometric financial transaction authorization system of claim 7, wherein the low frequency component is selected to correspond with an angular spatial frequency of one of (a) 12 cycles per 2 pi, and (b) 8 cycles per 2 pi.

25. The iris biometric financial transaction authorization system of claim 7, wherein determining that the digital image matches the reference iris image comprises applying a filter corresponding to a resolution of said low resolution image.

26. The iris biometric financial transaction authorization system of claim 7, wherein selecting the low resolution image from the plurality of resolutions is performed by at least one of the one or more processors.

13. A method comprising authenticating a person for authorization of a financial transaction via an iris biometric recognition module comprising program instructions stored in memory and causing one or more processors to execute the steps of:

aligning a lens of an iris imager device with the iris of the person;

operating an illuminator device to illuminate the iris;

operating the iris imager device to produce a digital image of the iris;

comparing the digital image to a reference iris image; and

responsive to a determination that the digital image matches the reference iris image, authorizing the financial transaction, wherein the digital image is a low resolution image selected from a plurality of resolutions, and wherein determining the match comprises selecting a low frequency component corresponding to said low resolution image, said low resolution image and said low frequency component being the lowest sufficient to identify coarse iris features.

14. The method of claim 13, further comprising authorizing the financial transaction via a combination of wherein authenticating the person for authorization of the financial transaction via the determination that the digital image matches the reference iris image and at least one additional authentication technique.

15. The method of claim 13, wherein authenticating the person to for authorization of the financial transaction via a mobile device incorporating the iris biometric recognition module is executed via the iris imager device, the illuminator device and the one or more processors.

16. The method of claim 13, further comprising accessing the reference iris image via wired or wireless internet connectivity, from a local, remote or cloud database.

17. The method of claim 13, further comprising terminating authorization of the financial transaction after a predetermined time period.

18. The method of claim 13, wherein the financial transaction is conducted at an automated teller machine.

27. The method of claim 13, wherein the method is a multiresolution method in which the low resolution image is a next lowest resolution image and the low frequency component is a next lowest frequency component.

28. The method of claim 13, wherein the low frequency component is selected to correspond with an angular spatial frequency of one of (a) 12 cycles per 2 pi, and (b) 8 cycles per 2 pi.

29. The method of claim 13, wherein determining that the digital image matches the reference iris image comprises applying a filter corresponding to a resolution of said low resolution image.

30. The method of claim 13, wherein selecting the low resolution image from the plurality of resolutions is performed by at least one of the one or more processors.