BIOMETRIC IDENTIFICATION AND AUTHENTICATION SYSTEM

• US 20130311367A1
• Filed: 07/26/2013
• Published: 11/21/2013
• Est. Priority Date: 04/01/2010
• Status: Active Grant

• Current Assignee: Kishore Living Trust
• Original Assignee: Kishore Living Trust
• Inventors: Chetal, Shyam, Giolma, William Henry
• Granted Patent: US 9,152,960 B2
• Time in Patent Office: Days
• US Class Current: 705/43
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• 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 10/94 Hardware or software architectures specially adapted for image or video understanding
• CPC Class Codes: G06V 30/242 Division of the character sequences into groups prior to recognition; Selection of dictionaries
• CPC Class Codes: G06V 40/70 Multimodal biometrics, e.g. combining information from different biometric modalities

Abstract

Disclosed are methods, apparatus, and systems of biometric identification and authentication. In one embodiment, a method to authenticate a user at an automated teller machine is disclosed. In this embodiment, the method comprises: retrieving, by a processor of the automated teller machine, a numeric identification data inputted by the user; comparing, by the processor or by a processor of a remote sever, the numeric identification data against a stored set of numeric identification data in a user database stored in a memory communicatively coupled to the automated teller machine; and narrowing, by the processor or by the processor of the remote server, a user population to a first narrowed set of the user population based on the comparison of the numeric identification data against the stored set of numeric identification data. Multiple biometric identification techniques may then be used to authenticate the user at the automated teller machine.

Claims

1. A method to authenticate a user at an automated teller machine, the method comprising:

retrieving, by a processor of the automated teller machine, a numeric identification data inputted by the user;

comparing, by the processor, the numeric identification data against a stored set of numeric identification data in a user database stored in a memory communicatively coupled to the automated teller machine;

narrowing, by the processor, a user population to a first narrowed set of the user population based on the comparison of the numeric identification data against the stored set of numeric identification data;

receiving, at a fingerprint scanner coupled to the automated teller machine, a fingerprint of the user;

storing, in the memory, a template of the fingerprint;

extracting, by the processor, a first set of extracted fingerprint features from the template of the fingerprint;

converting, by the processor, the first set of extracted fingerprint features to a first digital fingerprint data;

narrowing, by the processor, the user population from the first narrowed set to a second narrowed set based on a comparison of the first digital fingerprint data to a stored set of digital fingerprint data stored in the user database;

extracting, by the processor, a second set of extracted fingerprint features from the template of the fingerprint;

converting, by the processor, the second set of extracted fingerprint features to a second digital fingerprint data;

narrowing, by the processor, the user population from the second narrowed set to a third narrowed set based on a comparison of the second digital fingerprint data to the stored set of digital fingerprint data;

receiving, at an iris scanner coupled to the automated teller machine, an iris image of the user;

storing, in the memory, a template of the iris image;

extracting, by the processor, a first set of extracted iris features from the template of the iris image;

converting, by the processor, the first set of extracted iris features to a first digital iris data;

narrowing, by the processor, the user population from the third narrowed set to a fourth narrowed set based on a comparison of the first digital iris data to a stored set of digital iris data stored in the user database;

extracting, by the processor, a second set of extracted iris features from the template of the iris image;

converting, by the processor, the second set of extracted iris features to a second digital iris data;

narrowing, by the processor, the user population from the fourth narrowed set to a fifth narrowed set based on a comparison of the second digital iris data to the stored set of digital iris data;

receiving, at a camera coupled to the automated teller machine, a facial image of the user;

storing, in the memory, a template of the facial image;

extracting, by the processor, a first set of extracted facial features from the template of the facial image;

converting, by the processor, the first set of extracted facial features to a first digital facial data;

narrowing, by the processor, the user population from the fifth narrowed set to a sixth narrowed set based on a comparison of the first digital facial data to a stored set of digital facial data stored in the user database;

extracting, by the processor, a second set of extracted facial features from the template of the facial image;

converting, by the processor, the second set of extracted facial features to a second digital facial data;

narrowing, by the processor, the user population from the sixth narrowed set to a seventh narrowed set based on a comparison of the second digital facial data to the stored set of digital facial data; and

authenticating the user and permitting the user to access a financial account through the automated teller machine based on the comparison of the second digital facial data to the stored set of digital facial data.

2. The method of claim 1, wherein retrieving the numeric identification data inputted by the user comprises retrieving the numeric identification data from the memory, wherein the numeric identification data is inputted by the user through a keypad coupled to the automated teller machine and then stored in the memory before retrieval.

3. The method of claim 1, wherein the numeric identification data is at least one of a zip code of the user, a pin code of the user, and a phone number of the user.

4. The method of claim 1, wherein the stored set of numeric identification data in the user database is a plurality of user-submitted numeric identification data indexed and stored in the user database.

5. The method of claim 1, wherein the user population is a numeric data representing a pre-determined total number of users of the automated teller machine.

6. The method of claim 1, wherein the fingerprint scanner is a capacitance-based fingerprint scanner.

7. The method of claim 1, wherein the fingerprint scanner is an optical-based fingerprint scanner.

8. The method of claim 1, wherein the template of the fingerprint is a live scan of the fingerprint.

9. The method of claim 1, wherein the first set of extracted fingerprint features is one of an arch, a loop, and a whorl of the fingerprint.

10. The method of claim 1, wherein the second set of extracted fingerprint feature is a pattern and a Minutia feature of the fingerprint.

11. The method of claim 1, wherein the stored set of digital fingerprint data in the user database is a plurality of user-submitted digital fingerprint data indexed and stored in the user database.

12. The method of claim 1, wherein the iris scanner is an infrared-based iris scanner configured to capture an infrared image of the iris of the user.

13. The method of claim 1, wherein the iris scanner is a digital camera configured to capture a digital image of the iris of the user.

14. The method of claim 1, wherein the template of the iris image is an image of the chromatic pattern of the iris of the user.

15. The method of claim 1, wherein the first set of extracted iris features is a chromatic pattern of the stroma of the iris of the user.

16. The method of claim 1, wherein the second set of extracted iris features is a chromatic pattern of the epithelial layer of the iris.

17. The method of claim 1, wherein the stored set of digital iris data in the user database is a plurality of user-submitted digital iris data indexed and stored in the user database.

18. The method of claim 1, wherein the template of the facial image is a digital image of the face of the user.

19. The method of claim 1, wherein the first set of extracted facial features is a set of dimensions of the face of the user.

20. The method of claim 1, wherein the second set of extracted facial features is a set of distances from pre-determined reference points to a center point on the face of the user.