Systems and methods for authenticating a caller using biometric authentication
First Claim
Patent Images
1. An authentication platform comprising:
- one or more processors; and
a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the authentication platform to;
receive, via a first network, a call from a device associated with a caller;
determine an identity of the caller based at least in part on characteristics of the device;
determine whether the caller is qualified for authentication via a first method of authentication;
in response to the caller being qualified for the first method of authentication, collect authentication credentials via the first method of authentication;
in response to the caller being unqualified for the first method of authentication, determine whether the caller is qualified for authentication via a second method of authentication;
in response to the caller being qualified for authentication via the second method of authentication;
send, via a second network, to an issuer of the device a request to initiate a biometric authentication process on the device, wherein biometric credentials are received by the device,receive, via the second network, from the issuer of the device an indication of whether the biometric credentials were verified, andauthenticate the caller to the call or require additional authentication credentials based on whether the biometric credentials were verified; and
in response to determining that the caller is unqualified for the first method of authentication and the second method of authentication, authenticate the caller via a third method of authentication.
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Abstract
Methods and systems described in this disclosure receive a call from a device associated with a caller and determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device. In response to the caller being eligible for biometric authentication, a request to initiate a biometric authentication process on the device is sent to an issuer of the device, where biometric credentials are received by the device and an indication of whether the biometric credentials were verified is received from the issuer of the device.
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Citations
20 Claims
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1. An authentication platform comprising:
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one or more processors; and a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the authentication platform to; receive, via a first network, a call from a device associated with a caller; determine an identity of the caller based at least in part on characteristics of the device; determine whether the caller is qualified for authentication via a first method of authentication; in response to the caller being qualified for the first method of authentication, collect authentication credentials via the first method of authentication; in response to the caller being unqualified for the first method of authentication, determine whether the caller is qualified for authentication via a second method of authentication; in response to the caller being qualified for authentication via the second method of authentication; send, via a second network, to an issuer of the device a request to initiate a biometric authentication process on the device, wherein biometric credentials are received by the device, receive, via the second network, from the issuer of the device an indication of whether the biometric credentials were verified, and authenticate the caller to the call or require additional authentication credentials based on whether the biometric credentials were verified; and in response to determining that the caller is unqualified for the first method of authentication and the second method of authentication, authenticate the caller via a third method of authentication. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An authentication platform comprising:
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one or more processors; and a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the authentication platform to; receive a call from a device associated with a caller; determine whether the caller is eligible for biometric authentication via the device by sending, via a communications network, an eligibility determination request to an issuer of the device; in response to the caller being eligible for biometric authentication; send, via the communications network to the issuer of the device, a request to initiate a biometric authentication process on the device, wherein biometric credentials are received by the device, receive, via the communications network from the issuer of the device, an indication of whether the biometric credentials were verified, and authenticate the caller to the call or require additional authentication credentials based on whether the biometric credentials were verified; and in response to determining that the caller is ineligible for the biometric authentication, route the call to an interactive voice response system or to a representative to authenticate the caller. - View Dependent Claims (12, 13, 14, 15, 16)
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17. An authentication platform comprising:
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one or more processors; and a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the authentication platform to; receive, via a first network, a call from a device associated with a caller; determine an identity of the caller based at least in part on characteristics of the device; determine whether the caller is qualified for authentication via a first method of authentication, wherein determining whether the caller is qualified for the first method of authentication comprises determining whether a mobile application of an organization has been downloaded to the device; in response to the caller being qualified for the first method of authentication, collect authentication credentials via the first method of authentication; in response to the caller being unqualified for the first method of authentication, determine whether the caller is qualified for authentication via a second method of authentication; and in response to the caller being qualified for authentication via the second method of authentication; send, via a second network, to an issuer of the device a request to initiate a biometric authentication process on the device, wherein biometric credentials are received by the device, receive, via the second network, from the issuer of the device an indication of whether the biometric credentials were verified, and authenticate the caller to the call or require additional authentication credentials based on whether the biometric credentials were verified. - View Dependent Claims (18, 19, 20)
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Specification