Systems and methods for high fidelity multi-modal out-of-band biometric authentication through vector-based multi-profile storage

• US 10,303,964 B1
• Filed: 06/22/2017
• Issued: 05/28/2019
• Est. Priority Date: 05/08/2013
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Kursun, Eren, Fernandez, Gene, Berson, Alex, Goodman, Brian
• Primary Examiner(s): Sherwin, Ryan W
• Application Number:
  US15/630,419
• Time in Patent Office: 705 Days
• CPC Class Codes: G06V 40/50 Maintenance of biometric data or enrolment thereof

Abstract

A method for generating multiple biometric profiles for a user is disclosed. According to one embodiment, the method may include (1) receiving data from a user, the data comprising biometric data for a user and device specifications for the electronic device; (2) at least one computer processor retrieving at least one existing user profile; (3) the at least one computer processor determining whether the data is consistent with at least one of the existing profiles; and (4) the at least one computer processor updating at least one existing profile if the data is consistent with the existing profile.

Claims

1. A method for authenticating a user, comprising:

receiving, from an electronic device, authentication data, the authentication data comprising user biometric data;

at least one computer processor comparing the authentication data to a plurality of existing user profiles;

the at least one computer processor selecting an algorithm and at least one authentication threshold for each of the plurality of existing profiles;

the at least one computer processor calculating a confidence score using the selected algorithm for each comparison with each of the plurality of existing profiles;

the at least one computer processor comparing each confidence score to the selected authentication threshold for each of the plurality of existing profiles; and

calculating a combined metric for the plurality of confidence scores.

2. The method of claim 1, further comprising:

the at least one computer processor applying a spoofing risk factor to each confidence score.

3. The method of claim 1, further comprising:

the at least one computer processor accessing a look up table to locate complementary biometric markers for spoof prevention.

4. The method of claim 1, further comprising:

acquiring at least one complementary biometric marker from the user.

5. The method of claim 4, wherein the at least one complementary biometric marker is acquired iteratively.

6. The method of claim 5, wherein the number of iterations is based on a security level.

7. The method of claim 1, further comprising:

the at least one computer processor performing at least one consistency check for each comparison with each of the plurality of existing profiles.

8. The method of claim 1, wherein the authentication data further comprises electronic device data.

9. The method of claim 8, wherein the electronic device data comprises at least one of a type of electronic device, at least one specification for the electronic device, and a device identifier.

10. The method of claim 1, wherein the authentication data further comprises environmental data.

11. The method of claim 10, wherein the environmental data comprises at least one of location data, lighting data, and noise data.

12. The method of claim 1, wherein the plurality of existing profiles are based on a user location.

13. The method of claim 1, wherein the algorithm and the authentication threshold are selected based on at least one of a type of profile, a type of the electronic device, and an environmental factor.