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Image authentication and security system and method

  • US 10,402,800 B2
  • Filed: 04/22/2013
  • Issued: 09/03/2019
  • Est. Priority Date: 10/14/2010
  • Status: Active Grant
First Claim
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1. A method for authenticating a customer for performing a financial transaction on an electronic device, the method implemented by one or more bank processing computing devices and comprising:

  • obtaining, via one or more communication networks, a video image of a face of a customer engaging in a transaction, the video image captured using an image capturing device integrated with a mobile electronic device;

    using a sensor to capture at least one from among retinal data and fingerprint data that relates to the customer;

    retrieving one or more stored retinal data or stored fingerprints and one or more stored facial patterns related to the customer from an authentication database;

    extracting the captured at least one from among the retinal data and the fingerprint data and one or more facial patterns from the captured video image;

    generating a score based on a degree of correspondence between the stored retinal data or stored fingerprints and a degree of correspondence between the stored facial patterns and the extracted facial patterns;

    determining a transaction type of the transaction, a required score for the transaction type, and when the generated score exceeds the required score for the transaction type; and

    authenticating the customer and providing an approval for the transaction to the mobile electronic device via the one or more communication networks, when the determining indicates that the generated score exceeds the required score for the transaction type.

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