Multimodal Authorization Method, System And Device
First Claim
1. A method of authorizing a transaction, comprising:
- enrolling at least two biometric specimens, a first one of the specimens being a first type, and a second one of the specimens being a second type;
determining a false acceptance ratio (“
FAR”
) for each of the specimens;
identifying authorization options, each option requiring a match to one or more of the biometric specimens;
calculating a cost value for at least one of the options to provide a calculated cost value (“
CCV”
), wherein the CCV is a function of the FAR(s) of the specimen(s) corresponding to the option;
identifying an acceptable cost value range (“
ACV range”
);
comparing the CCV to the ACV range;
determining whether the CCV is in the ACV range;
selecting the option if the CCV is in the ACV range;
providing a set of biometric sample(s) (the “
sample set”
), the sample set having biometric sample(s) of the same type(s) as those corresponding to the selected option;
comparing the biometric sample(s) to the biometric specimen(s);
determining whether the biometric sample(s) match the biometric specimen(s);
if the biometric sample(s) match the biometric specimen(s), then authorizing the transaction.
2 Assignments
0 Petitions
Accused Products
Abstract
The invention includes methods, systems and devices for authenticating transactions. A method may begin by enrolling at least two biometric specimens to a database. A false acceptance ratio (“FAR”) is determined for each of the specimens, and authorization options are identified. A cost value is calculated for at least one of the options to provide a calculated cost value (“CCV”). The CCV may be a function of the FAR(s) of the specimen(s) corresponding to the option. An acceptable cost value range (“ACV range”) may be identified, and compared to the CCV. If it is determined that the CCV is in the ACV range, then the option is selected. If the CCV is in the ACV range, then a set of biometric samples is provided (the “sample set”). The sample set is compared to the biometric specimens, and it is determined whether the biometric samples match the biometric specimens. If the biometric samples match the biometric specimens, then the transaction is authorized.
21 Citations
13 Claims
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1. A method of authorizing a transaction, comprising:
-
enrolling at least two biometric specimens, a first one of the specimens being a first type, and a second one of the specimens being a second type;
determining a false acceptance ratio (“
FAR”
) for each of the specimens;
identifying authorization options, each option requiring a match to one or more of the biometric specimens;
calculating a cost value for at least one of the options to provide a calculated cost value (“
CCV”
), wherein the CCV is a function of the FAR(s) of the specimen(s) corresponding to the option;
identifying an acceptable cost value range (“
ACV range”
);
comparing the CCV to the ACV range;
determining whether the CCV is in the ACV range;
selecting the option if the CCV is in the ACV range;
providing a set of biometric sample(s) (the “
sample set”
), the sample set having biometric sample(s) of the same type(s) as those corresponding to the selected option;
comparing the biometric sample(s) to the biometric specimen(s);
determining whether the biometric sample(s) match the biometric specimen(s);
if the biometric sample(s) match the biometric specimen(s), then authorizing the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer readable memory device having stored thereon instructions that are executable by a computer to cause the computer to:
-
enroll at least two biometric specimens, a first one of the specimens being a first type, and a second one of the specimens being a second type;
determine a false acceptance ratio (“
FAR”
) for each of the specimens;
identify authorization options, each option requiring a match to one or more of the biometric specimens;
calculate a cost value for at least one of the options to provide a calculated cost value (“
CCV”
), wherein the CCV is a function of the FAR(s) of the specimen(s) corresponding to the option;
identify an acceptable cost value range (“
ACV range”
);
compare the CCV to the ACV range;
determine whether the CCV is in the ACV range;
select the option if the CCV is in the ACV range;
provide a set of biometric sample(s) (the “
sample set”
), the sample set having biometric sample(s) of the same type(s) as those corresponding to the selected option;
compare the biometric sample(s) to the biometric specimen(s);
determine whether the biometric sample(s) match the biometric specimen(s);
p1 if the biometric sample(s) match the biometric specimen(s), then authorize the transaction. - View Dependent Claims (9, 10)
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11. An authorization system, comprising:
-
a computer capable of executing computer-readable instructions;
at least one biometric specimen reader in communication with the computer;
at least one biometric sample reader in communication with the computer;
a database;
computer-readable instructions provided to the computer for causing the computer to;
enroll in the database at least two biometric specimens via one or more of the biometric specimen readers, a first one of the specimens being a first type, and a second one of the specimens being a second type;
determine a false acceptance ratio (“
FAR”
) for each of the specimens;
identify authorization options, each option requiring a match to one or more of the biometric specimens;
calculate a cost value for at least one of the options to provide a calculated cost value (“
CCV”
), wherein the CCV is a function of the FAR(s) of the specimen(s) corresponding to the option;
identify an acceptable cost value range (“
ACV range”
);
compare the CCV to the ACV range;
determine whether the CCV is in the ACV range;
select the option if the CCV is in the ACV range;
provide a set of biometric sample(s) (the “
sample set”
) via one or more of the biometric sample readers, the sample set having biometric sample(s) of the same type(s) as those corresponding to the selected option;
compare the biometric sample(s) to the biometric specimen(s);
determine whether the biometric sample(s) match the biometric specimen(s);
if the biometric sample(s) match the biometric specimen(s), then authorize the transaction. - View Dependent Claims (12, 13)
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Specification