BIOMETRIC IDENTIFICATION AND AUTHENTICATION SYSTEM FOR FINANCIAL ACCOUNTS

• US 20110087611A1
• Filed: 04/01/2010
• Published: 04/14/2011
• Est. Priority Date: 10/14/2009
• Status: Abandoned Application

• Current Assignee: Shyam Chetal
• Original Assignee: Shyam Chetal
• Inventors: Chetal, Shyam
• Application Number:
  US12/752,178
• Publication Number:
  US 20110087611A1
• Time in Patent Office: Days
• US Class Current: 705/325
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G06V 40/70 Multimodal biometrics, e.g. combining information from different biometric modalities
• CPC Class Codes: G10L 17/00 Speaker identification or verification techniques

Abstract

A method and an apparatus of biometric identification and authentication for financial transaction are disclosed. In one aspect, an automated teller machine is provided to assist a user to make a financial transaction. A linguistic command data is processed to create an account of the user. The user is directed to place a finger on a fingerprint scanner and the fingerprint is imaged. The user is directed to place an iris of in front of an iris scanner, and/or to place a face of the user in front of a camera to collect biometric data of the user. A name and address of the user is correlated to identify the account of the user. The face, fingerprint and/or iris of the user is imaged and compared to the biometric data to verify identify. An access to the account is provided on verifying the identity of the user.

Claims

1. A method of biometric identification comprising:

providing an automated teller machine to assist a user to make a financial transaction;

processing a linguistic command data;

determining that the linguistic command data is associated with a set of instructions of the automated teller machine;

identifying a particular instruction of the set of instructions of the automated teller machine through the linguistic command data;

processing the linguistic command data to create an account of the user;

identifying the set of instructions to create the account of the user;

directing the user with a first instruction in a native language of the user to provide a name of the user to create the account of the user;

recording the name of the user to create the account of the user;

directing the user with a second instruction in the native language of the user to provide an address of the user to create the account of the user;

recording the address of the user to create the account of the user;

correlating the name and the address of the user to identify the account of the user;

directing the user with a third instruction in the native language of the user to place a finger of the user on a fingerprint scanner to establish the account of the user;

imaging a fingerprint of the user to produce a first fingerprint image to collect biometric data of the user;

converting the first fingerprint image into a first digital fingerprint image;

storing the first digital fingerprint image in a fingerprint database;

directing the user with a fourth instruction in the native language of the user to place an iris of the user in front of an iris scanner to establish the account of the user;

imaging the iris of the user to produce a first iris image to collect biometric data of the user;

converting the first iris image into a first digital iris image;

storing the first digital iris image in an iris database;

directing the user with a fifth instruction in the native language of the user to place a face of the user in front of a camera to establish the account of the user;

imaging the face of the user to produce a first face image to collect biometric data of the user;

converting the first face image into a first digital face image;

storing the first digital face image in a face database;

correlating the first digital fingerprint image, the first digital iris image, and the first digital face image to the account of the user;

processing the linguistic command data to access the account of the user;

identifying the set of instructions to access the account of the user;

directing the user with the third instruction in the native language of the user to place the finger of the user on the fingerprint scanner to access the account of the user;

imaging the fingerprint of the user to produce a second fingerprint image to identify biometric data of the user;

converting the second fingerprint image into a second digital fingerprint image;

comparing the second digital fingerprint image to a fingerprint template of the fingerprint database, wherein the fingerprint template comprises at least one digital fingerprint image, based on a fingerprint characteristic, wherein the fingerprint characteristic comprises a ridge location of the fingerprint;

comparing the second digital fingerprint image to the first digital fingerprint image based on the fingerprint characteristic;

determining the second digital fingerprint and the first digital fingerprint are the same to identify the user;

directing the user with fourth instruction in the native language of the user to place the iris of the user in front of the iris scanner to access the account of the user;

imaging the iris of the user to produce a second iris image to identify biometric data of the user;

converting the second iris image into a second digital iris image;

comparing the second digital iris image to a iris template of the iris database, wherein the iris template comprises at least one digital iris image, based on an iris characteristic, wherein the iris characteristic comprises a pigmentation of the iris;

comparing the second digital iris image to the first digital iris image based on the iris characteristic;

determining the second digital iris image and the first digital iris image are the same to identify the user;

directing the user with the fifth instruction in the native language of the user to place the face of the user in front of the camera to access the account of the user;

imaging the face of the user to produce a second face image to identify biometric data of the user;

converting the second face image into a second digital face image;

comparing the second digital face image to a face template of the face database, wherein the face template comprises at least one digital face image, based on a face characteristic, wherein the face characteristic comprises a nose location;

comparing the second digital face image to the first digital face image based on the face characteristic;

determining the second digital face image and the first digital face image are the same to identify the user;

providing access to the account after determining that the second digital fingerprint image and the first digital fingerprint image are the same, the second digital iris image and the first digital iris image are the same, and the second digital face image and the first digital face image are the same to increase a confidence of an identification of the user;

accepting a monetary currency though a fund acceptor connected to the automated teller machine to increase an account balance of the account;

providing a first verbal statement through a speaker to inform the user of an amount deposited and the account balance to assist the user that is illiterate;

dispensing a monetary currency though a fund dispenser connected to the automated teller machine to decrease the account balance of the account; and

providing a second verbal statement through the speaker to inform the user of an amount withdrawn and the account balance to assist the user that is illiterate.

2. The method of claim 1, further comprising:

requesting a secondary authentication of the user when at least one of a biometric pattern and a voice pattern is unrecognizable.

3. The method of claim 2, further comprising:

notifying a human service personnel associated with at least one of the automated teller machine and a banking system to manually authenticate the user when the at least one of the biometric pattern and the voice pattern is unrecognizable.

authenticating a user of a banking system accessible through the automated teller machine by analyzing at least one of a biometric pattern and a voice pattern uniquely associated with the user; and

providing access to a financial account of the banking system associated with the user based on the authentication.

4. The method of claim 3 further comprising:

identifying the set of instructions to authenticate the account of the user create the account of the user with a personal identification number when at least one of a biometric pattern and a voice pattern is unrecognizable;

directing the user with a sixth instruction in the native language of the user to provide the personal identification number to authenticate the account of the user;

recording the personal identification number to authenticate the account of the user; and

providing access to the financial account of the banking system associated with the user based on the authentication.