System for authentication of a user based on multi-factor passively acquired data

• US 10,574,662 B2
• Filed: 06/20/2017
• Issued: 02/25/2020
• Est. Priority Date: 06/20/2017
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Wolf, Jon Robert, Liu, Charles R., O'Neill, Dianna Letourneau, Williams, Matthew Edward, Card, Bryan Lee
• Primary Examiner(s): Tolentino, Roderick
• Application Number:
  US15/628,088
• Publication Number:
  US 20180367542A1
• Time in Patent Office: 980 Days
• CPC Class Codes: G06F 21/31 User authentication
• CPC Class Codes: H04L 2463/082 applying multi-factor authentication
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 63/083 using passwords cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226
• 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

Abstract

A multi-factored authentication system is provided to identify users. Accordingly, the authentication system may utilize a combination of multiple authentication methods to identify and authenticate a user, such as facial recognition, voice recognition, fingerprint/retinal recognition, detection of cards/chips or smartphones located with the user, PINs, passwords, cryptographic keys, tokens, and the like. The various authentication methods may be used to calculate a confidence value for the authentication system, where the confidence value reflects the degree of certainty of the user'"'"'s identity. Each authentication method may, upon identifying a positive match for a user, increase the confidence value by a certain degree.

Claims

1. A system for authenticating a user within a virtual center by using passive authentication, comprising:

an interface computing system comprising;

a processor;

a communication interface; and

a memory having a virtual ambassador application stored therein, wherein the virtual ambassador application, when executed by the processor, causes the processor to;

detect, via one or more sensors, a presence of the user within the virtual center;

attempt to verify an identity of the user using a first passive authentication method;

increase a confidence value associated with the identity of the user by a predetermined amount associated with the first passive authentication method;

detect that the confidence value associated with the identity of the user has met or exceeded a first threshold;

configure a virtual ambassador to greet the user by name, wherein the virtual ambassador is projected as a three-dimensional holographic image within a field of vision of the user, wherein the virtual ambassador remains in the field of vision of the user at all times;

authorize a first set of actions based on the confidence value meeting or exceeding the first threshold;

present to the user a first menu of actions, wherein the first menu of actions comprises the first set of actions;

predict, using a historical database associated with the user, that the user has visited the virtual center to execute a transaction;

prompt the user to verify that the user has visited the virtual center to execute the transaction;

receive, from the user, a confirmation that the user has visited the virtual center to execute the transaction;

detect that the transaction is associated with the first threshold;

detect that the transaction is associated with an action within a particular location within the virtual center;

based on detecting that the confidence value has exceeded the first threshold, prompt, via the virtual ambassador, the user to follow the virtual ambassador to move to the particular location; and

configure the virtual ambassador to walk together with the user to the particular location, wherein the virtual ambassador remains within a predetermined distance from the user.

2. The system according to claim 1, wherein the virtual ambassador application further causes the processor to:

attempt to verify an identity of the user using a second passive authentication method;

increase the confidence value associated with the identity of the user by a predetermined amount associated with the second passive authentication method;

attempt to verify an identity of the user using a third passive authentication method;

increase the confidence value associated with the identity of the user by a predetermined amount associated with the third passive authentication method;

detect that the confidence value associated with the identity of the user has met or exceeded a second threshold;

authorize a second set of actions based on the confidence value meeting or exceeding the second threshold; and

present to the user a second menu of actions, wherein the second menu of actions comprises the second set of actions.

3. The system according to claim 2, wherein the virtual ambassador application further causes the processor to:

integrate the first set of actions and the second set of actions; and

present to the user a combined menu of actions, wherein the combined menu of actions comprises the first set of actions and the second set of actions.

4. The system according to claim 1, wherein the first passive authentication method is facial recognition.

5. The system according to claim 2, wherein the second passive authentication method is wireless detection of an entity-issued card, wherein the third passive authentication method is voice recognition.

6. The system according to claim 1, wherein the virtual ambassador application further causes the processor to:

detect that the confidence value has not met or exceeded a third threshold;

initiate an active authentication method; and

prompt the user to provide authentication credentials.

7. A computer program product for authenticating a user within a virtual center by using passive authentication, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion for detecting, via one or more sensors, a presence of the user within the virtual center;

an executable portion for attempting to verify an identity of the user using a first passive authentication method;

an executable portion for increasing a confidence value associated with the identity of the user by a predetermined amount associated with the first passive authentication method;

an executable portion for detecting that the confidence value associated with the identity of the user has met or exceeded a first threshold;

an executable portion for configuring a virtual ambassador to greet the user by name, wherein the virtual ambassador is projected as a three-dimensional holographic image within a field of vision of the user, wherein the virtual ambassador remains in the field of vision of the user at all times;

an executable portion for authorizing a first set of actions based on the confidence value meeting or exceeding the first threshold;

an executable portion for presenting to the user a first menu of actions, wherein the first menu of actions comprises the first set of actions;

an executable portion for predicting, using a historical database associated with the user, that the user has visited the virtual center to execute a transaction;

an executable portion for prompting the user to verify that the user has visited the virtual center to execute the transaction;

an executable portion for receiving, from the user, a confirmation that the user has visited the virtual center to execute the transaction;

an executable portion for detecting that the transaction is associated with the first threshold;

an executable portion for detecting that the transaction is associated with an action within a particular location within the virtual center;

an executable portion for, based on detecting that the confidence value has exceeded the first threshold, prompting, via the virtual ambassador, the user to follow the virtual ambassador to move to the particular location; and

an executable portion for configuring the virtual ambassador to walk together with the user to the particular location, wherein the virtual ambassador remains within a predetermined distance from the user.

8. The computer program product according to claim 7, the computer-readable program code portions further comprising:

an executable portion for attempting to verify an identity of the user using a second passive authentication method;

an executable portion for increasing the confidence value associated with the identity of the user by a predetermined amount associated with the second passive authentication method;

an executable portion for attempting to verify an identity of the user using a third passive authentication method;

an executable portion for increasing the confidence value associated with the identity of the user by a predetermined amount associated with the third passive authentication method;

an executable portion for detecting that the confidence value associated with the identity of the user has met or exceeded a second threshold;

an executable portion for authorizing a second set of actions based on the confidence value meeting or exceeding the second threshold; and

an executable portion for presenting to the user a second menu of actions, wherein the second menu of actions comprises the second set of actions.

9. The computer program product according to claim 8, the computer-readable program code portions further comprising:

an executable portion for integrating the first set of actions and the second set of actions; and

an executable portion for presenting to the user a combined menu of actions, wherein the combined menu of actions comprises the first set of actions and the second set of actions.

10. The computer program product according to claim 7, wherein the first passive authentication method is facial recognition.

11. The computer program product according to claim 8, wherein the second passive authentication method is wireless detection of an entity-issued card, wherein the third passive authentication method is voice recognition.

12. The computer program product according to claim 7, the computer-readable program code portions further comprising:

an executable portion for detecting that the confidence value has not met or exceeded a third threshold;

an executable portion for initiating an active authentication method; and

an executable portion for prompting the user to provide authentication credentials.

13. A computer-implemented method for interfacing with a user within a virtual center, said method comprising:

detecting, via one or more sensors, a presence of the user within the virtual center;

attempting to verify an identity of the user using a first passive authentication method;

increasing a confidence value associated with the identity of the user by a predetermined amount associated with the first passive authentication method;

detecting that the confidence value associated with the identity of the user has met or exceeded a first threshold;

configuring a virtual ambassador to greet the user by name, wherein the virtual ambassador is projected as a three-dimensional holographic image within a field of vision of the user, wherein the virtual ambassador remains in the field of vision of the user at all times;

authorizing a first set of actions based on the confidence value meeting or exceeding the first threshold;

presenting to the user a first menu of actions, wherein the first menu of actions comprises the first set of actions;

predicting, using a historical database associated with the user, that the user has visited the virtual center to execute a transaction;

prompting the user to verify that the user has visited the virtual center to execute the transaction;

receiving, from the user, a confirmation that the user has visited the virtual center to execute the transaction;

detecting that the transaction is associated with the first threshold;

detecting that the transaction is associated with an action within a particular location within the virtual center;

based on detecting that the confidence value has exceeded the first threshold, prompting, via the virtual ambassador, the user to follow the virtual ambassador to move to the particular location; and

configuring the virtual ambassador to walk together with the user to the particular location, wherein the virtual ambassador remains within a predetermined distance from the user.

14. The computer-implemented method according to claim 13, the method further comprising:

attempting to verify an identity of the user using a second passive authentication method;

increasing the confidence value associated with the identity of the user by a predetermined amount associated with the second passive authentication method;

attempting to verify an identity of the user using a third passive authentication method;

increasing the confidence value associated with the identity of the user by a predetermined amount associated with the third passive authentication method;

detecting that the confidence value associated with the identity of the user has met or exceeded a second threshold;

authorizing a second set of actions based on the confidence value meeting or exceeding the second threshold; and

presenting to the user a second menu of actions, wherein the second menu of actions comprises the second set of actions.

15. The computer-implemented method according to claim 14, the method further comprising:

integrating the first set of actions and the second set of actions; and

presenting to the user a combined menu of actions, wherein the combined menu of actions comprises the first set of actions and the second set of actions.

16. The computer-implemented method according to claim 13, wherein the first passive authentication method is facial recognition.

17. The computer-implemented method according to claim 14, wherein the second passive authentication method is wireless detection of an entity-issued card, wherein the third passive authentication method is voice recognition.

18. The computer-implemented method according to claim 13, the method further comprising:

detecting that the confidence value has not met or exceeded a third threshold;

initiating an active authentication method; and

prompting the user to provide authentication credentials.