Phalangeal authentication device

• US 10,133,857 B2
• Filed: 05/18/2016
• Issued: 11/20/2018
• Est. Priority Date: 05/18/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Arunachalam, Annamalai
• Primary Examiner(s): Cervetti, David Garcia
• Application Number:
  US15/158,465
• Publication Number:
  US 20170337362A1
• Time in Patent Office: 916 Days
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• 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

Abstract

In general, apparatuses, methods and computer program products for phalangeal authentication of a user are disclosed. A phalangeal authentication device is provided that is configured for capture, customization and transformation of one or more phalangeal credentials of a user. The phalangeal authentication credentials of the user are captured using phalangeal credential sensor devices. The captured phalangeal credentials are analyzed to determine an associated user activity. The user activity is initiated, automatically, in response to the successful validation of the phalangeal credentials.

Claims

1. A system for phalangeal authentication, wherein the system provides a phalangeal authentication device configured for capture, customization and transformation of one or more phalangeal credentials of a user, comprising:

a phalangeal authentication device comprising;

a tactile interface screen configured to receive phalangeal credentials;

one or more phalangeal credential sensor devices configured for capture and imaging of the phalangeal credentials, the one or more phalangeal credential sensor devices comprising optical sensors, ultrasonic sensors, and capacitance sensors; and

an image capture device;

a transaction terminal associated with the phalangeal authentication device, the transaction terminal comprising;

a user interface device for establishing audiovisual communication with the user;

a computer apparatus including at least one processor, at least one memory device, and a network communication device; and

an authentication module stored in the at least one memory device comprising computer readable instructions, that when executed by the at least one processor, cause the at least one processor to;

establish, via a network, an operative communication channel with the transaction terminal, the transaction terminal being associated with the one or more phalangeal credential sensor devices;

receive, via the operative communication channel, an indication of initiation of a user activity at the transaction terminal;

capture, using the one or more phalangeal credential sensor devices, one or more phalangeal credentials of the user, wherein the one or more phalangeal credentials are captured from phalanges of the user positioned at the tactile interface screen;

analyze the one or more phalangeal credentials to identify the user;

determine one or more phalangeal parameters associated with the one or more phalangeal credentials, wherein determining the one or more phalangeal parameters comprises at least one of determining a sequence and timing of a tapping pattern of the phalanges of the user, determining positioning the phalanges of the user, determining orientation of the phalanges of the user, determining physical pressure applied by the phalanges of the user, and identifying one or more predetermined phalanges of the user;

validate the one or more phalangeal credentials and the one or more phalangeal parameters;

analyze the one or more phalangeal parameters to determine at least one user activity associated with the one or more phalangeal parameters, wherein determining the at least one user activity comprises determining that the combination of the one or more phalangeal credentials and the one or more phalangeal parameters comprise a predetermined authentication level associated with the at least one user activity; and

transmit, via the operative communication channel, control instructions that cause the transaction terminal to implement the at least one user activity.

2. The system of claim 1, wherein the optical sensors comprise an interface or terminal containing near-infrared LED (light-emitting diode) light and a monochrome CCD (charge-coupled device) camera.

3. The system of claim 1, wherein the one or more phalangeal credentials are authentication credentials associated with phalanges of the user, wherein the one or more phalangeal credentials comprise fingerprint, finger veins, and/or digital bone anatomy.

4. The system of claim 1, wherein the authentication module further comprises instructions that cause the at least one processor to transform the captured one or more phalangeal credentials into a first electronic form, wherein transforming further comprises:

performing pre-processing of the captured one or more phalangeal credentials;

extracting one or more features of the one or more phalangeal credentials;

generating an electronic phalangeal credential template associated with the one or more phalangeal credentials; and

storing the at least one phalangeal authentication credential in a storage device.

5. The system of claim 1, wherein the authentication module further comprises instructions that cause the at least one processor to register the user for phalangeal authentication for a first time, wherein registering further comprises:

requesting one or more authentication credentials from the user;

authenticating the user for a first time based at least on the successful validation of the one or more authentication credentials received from the user;

receiving a first phalangeal credential from the user, wherein the first phalangeal credential is configured to identify the user;

determining one or more user activities associated with the user, wherein determining the one or more user activities comprises determining a required authentication level associated with each of the one or more user activities, wherein the one or more user activities are determined based on at least one of one or more previous activities of the user and one or more determined future activities of the user;

receiving a selection of at least one user activity from the user;

determining at least one phalangeal credential associated with the selected at least one user activity based on at least the required authentication level for the at least one user activity, wherein determining the at least one phalangeal credential comprises determining one or more phalangeal credential types and one or more types of phalangeal parameters associated with the at least one phalangeal credential, which in combination comprise the required authentication level for the at least one user activity;

receiving the at least one phalangeal authentication credential from the user; and

storing the at least one phalangeal authentication credential in an authentication database.

6. The system of claim 5, wherein the one or more phalangeal credentials and the one or more phalangeal parameters are customizable by the user, wherein the registering further comprises:

displaying the determined one or more phalangeal credential types and one or more types of phalangeal parameters which in combination comprise the required authentication level for the at least one user activity;

wherein the received at least one phalangeal authentication credential from the user is associated with the a user choice of a phalangeal credential type of the one or more phalangeal credential types and a phalangeal parameter type of the one or more types of phalangeal parameters; and

registering one or more misappropriation authentication credentials from the user;

wherein the one or more misappropriation authentication credentials are configured such that receiving the one or more misappropriation authentication credentials at the transaction terminal is configured to automatically (i) initiate presentation of a mock interface with mockup information of the user, and (ii) automatically locking accounts associated with the user until predetermined correct phalangeal credential credentials are received.

7. A computer program product for phalangeal authentication, wherein the computer program product is configured for capture, customization and transformation of one or more phalangeal credentials of a user, the computer program product comprising a non-transitory computer-readable storage medium having computer-executable instructions to:

establish, via a network, an operative communication channel with a transaction terminal, the transaction terminal being associated with one or more phalangeal credential sensor devices;

receive, via the operative communication channel, an indication of initiation of a user activity at the transaction terminal;

capture, using the one or more phalangeal credential sensor devices, one or more phalangeal credentials of the user, wherein the one or more phalangeal credentials are captured from phalanges of the user positioned at the tactile interface screen;

analyze the one or more phalangeal credentials to identify the user;

determine one or more phalangeal parameters associated with the one or more phalangeal credentials, wherein determining the one or more phalangeal parameters comprises at least one of determining a sequence and timing of a tapping pattern of the phalanges of the user, determining positioning the phalanges of the user, determining orientation of the phalanges of the user, determining physical pressure applied by the phalanges of the user, and identifying one or more predetermined phalanges of the user;

validate the one or more phalangeal credentials and the one or more phalangeal parameters;

analyze the one or more phalangeal parameters to determine at least one user activity associated with the one or more phalangeal parameters, wherein determining the at least one user activity comprises determining that the combination of the one or more phalangeal credentials and the one or more phalangeal parameters comprise a predetermined authentication level associated with the at least one user activity; and

transmit, via the operative communication channel, control instructions that cause the transaction terminal to implement the at least one user activity.

8. The computer program product of claim 7, wherein the one or more phalangeal credential sensor devices comprise optical sensors, ultrasonic sensors, and/or capacitance sensors.

9. The computer program product of claim 8, wherein the optical sensors comprise an interface or terminal containing near-infrared LED (light-emitting diode) light and a monochrome CCD (charge-coupled device) camera.

10. The computer program product of claim 7, wherein the one or more phalangeal credentials are authentication credentials associated with phalanges of the user, wherein the one or more phalangeal credentials comprise fingerprint, finger veins, and/or digital bone anatomy.

11. The computer program product of claim 7, wherein the non-transitory computer-readable storage medium further has computer-executable instructions to transform the captured one or more phalangeal credentials into a first electronic form, wherein transforming further comprises:

performing pre-processing of the captured one or more phalangeal credentials;

extracting one or more features of the one or more phalangeal credentials;

generating an electronic phalangeal credential template associated with the one or more phalangeal credentials; and

storing the at least one phalangeal authentication credential in a storage device.

12. The computer program product of claim 7, wherein the non-transitory computer-readable storage medium further has computer-executable instructions to register the user for phalangeal authentication for a first time, wherein registering further comprises:

requesting one or more authentication credentials from the user;

authenticating the user for a first time based at least on the successful validation of the one or more authentication credentials received from the user;

receiving a first phalangeal credential from the user, wherein the first phalangeal credential is configured to identify the user;

determining one or more user activities associated with the user, wherein determining the one or more user activities comprises determining a required authentication level associated with each of the one or more user activities, wherein the one or more user activities are determined based on at least one of one or more previous activities of the user and one or more determined future activities of the user;

receiving a selection of at least one user activity from the user;

determining at least one phalangeal credential associated with the selected at least one user activity based on at least the required authentication level for the at least one user activity, wherein determining the at least one phalangeal credential comprises determining one or more phalangeal credential types and one or more types of phalangeal parameters associated with the at least one phalangeal credential, which in combination comprise the required authentication level for the at least one user activity;

receiving the at least one phalangeal authentication credential from the user; and

storing the at least one phalangeal authentication credential in an authentication database.

13. The computer program product of claim 12, wherein the one or more phalangeal credentials and the one or more phalangeal parameters are customizable by the user, wherein the registering further comprises:

displaying the determined one or more phalangeal credential types and one or more types of phalangeal parameters which in combination comprise the required authentication level for the at least one user activity;

wherein the received at least one phalangeal authentication credential from the user is associated with the a user choice of a phalangeal credential type of the one or more phalangeal credential types and a phalangeal parameter type of the one or more types of phalangeal parameters; and

registering one or more misappropriation authentication credentials from the user;

wherein the one or more misappropriation authentication credentials are configured such that receiving the one or more misappropriation authentication credentials at the transaction terminal is configured to automatically (i) initiate presentation of a mock interface with mockup information of the user, and (ii) automatically locking accounts associated with the user until predetermined correct phalangeal credential credentials are received.

14. A computerized method for phalangeal authentication, wherein the method is configured for capture, customization and transformation of one or more phalangeal credentials of a user, the method comprising:

establishing, via a network, an operative communication channel with a transaction terminal, the transaction terminal being associated with one or more phalangeal credential sensor devices;

receiving, via the operative communication channel, an indication of initiation of a user activity at the transaction terminal;

capturing, using the one or more phalangeal credential sensor devices, one or more phalangeal credentials of the user, wherein the one or more phalangeal credentials are captured from phalanges of the user positioned at the tactile interface screen;

analyzing the one or more phalangeal credentials to identify the user;

determining one or more phalangeal parameters associated with the one or more phalangeal credentials, wherein determining the one or more phalangeal parameters comprises at least one of determining a sequence and timing of a tapping pattern of the phalanges of the user, determining positioning the phalanges of the user, determining orientation of the phalanges of the user, determining physical pressure applied by the phalanges of the user, and identifying one or more predetermined phalanges of the user;

validating the one or more phalangeal credentials and the one or more phalangeal parameters;

analyzing the one or more phalangeal parameters to determine at least one user activity associated with the one or more phalangeal parameters, wherein determining the at least one user activity comprises determining that the combination of the one or more phalangeal credentials and the one or more phalangeal parameters comprise a predetermined authentication level associated with the at least one user activity; and

transmitting, via the operative communication channel, control instructions that cause the transaction terminal to implement the at least one user activity.

15. The computerized method of claim 14, wherein the one or more phalangeal credential sensor devices comprise optical sensors, ultrasonic sensors, and/or capacitance sensors.

16. The system of claim 15, wherein the optical sensors comprise an interface or terminal containing near-infrared LED (light-emitting diode) light and a monochrome CCD (charge-coupled device) camera.

17. The computerized method of claim 14, wherein the one or more phalangeal credentials are authentication credentials associated with phalanges of the user, wherein the one or more phalangeal credentials comprise fingerprint, finger veins, and/or digital bone anatomy.

18. The computerized method of claim 14, wherein the method further comprises transforming the captured one or more phalangeal credentials into a first electronic form, wherein transforming further comprises:

performing pre-processing of the captured one or more phalangeal credentials;

extracting one or more features of the one or more phalangeal credentials;

generating an electronic phalangeal credential template associated with the one or more phalangeal credentials; and

storing the at least one phalangeal authentication credential in a storage device.

19. The computerized method of claim 14, wherein the method further comprises registering the user for phalangeal authentication for a first time, wherein registering further comprises:

requesting one or more authentication credentials from the user;

authenticating the user for a first time based at least on the successful validation of the one or more authentication credentials received from the user;

receiving a first phalangeal credential from the user, wherein the first phalangeal credential is configured to identify the user;

determining one or more user activities associated with the user, wherein determining the one or more user activities comprises determining a required authentication level associated with each of the one or more user activities, wherein the one or more user activities are determined based on at least one of one or more previous activities of the user and one or more determined future activities of the user;

receiving a selection of at least one user activity from the user;

determining at least one phalangeal credential associated with the selected at least one user activity based on at least the required authentication level for the at least one user activity, wherein determining the at least one phalangeal credential comprises determining one or more phalangeal credential types and one or more types of phalangeal parameters associated with the at least one phalangeal credential, which in combination comprise the required authentication level for the at least one user activity;

receiving the at least one phalangeal authentication credential from the user; and

storing the at least one phalangeal authentication credential in an authentication database.

20. The computerized method of claim 19, wherein the one or more phalangeal credentials and the one or more phalangeal parameters are customizable by the user, wherein the registering further comprises:

displaying the determined one or more phalangeal credential types and one or more types of phalangeal parameters which in combination comprise the required authentication level for the at least one user activity;

wherein the received at least one phalangeal authentication credential from the user is associated with the a user choice of a phalangeal credential type of the one or more phalangeal credential types and a phalangeal parameter type of the one or more types of phalangeal parameters; and

registering one or more misappropriation authentication credentials from the user;

wherein the one or more misappropriation authentication credentials are configured such that receiving the one or more misappropriation authentication credentials at the transaction terminal is configured to automatically (i) initiate presentation of a mock interface with mockup information of the user, and (ii) automatically locking accounts associated with the user until predetermined correct phalangeal credential credentials are received.