Systems And Methods For High Fidelity Multi-Modal Out-Of-Band Biometric Authentication

• US 20140333413A1
• Filed: 06/03/2013
• Published: 11/13/2014
• Est. Priority Date: 05/08/2013
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Kursun, Eren
• Granted Patent: US 9,760,785 B2
• Time in Patent Office: Days
• US Class Current: 340/5.52
• CPC Class Codes: G06V 40/70 Multimodal biometrics, e.g. combining information from different biometric modalities

Abstract

Systems and methods for high fidelity multi-modal out-of-band biometric authentication are disclosed. According to one embodiment, a method for multi-mode biometric authentication may include (1) receiving, at a computer application executed by an electronic device, a first input from a first input device on the electronic device; (2) receiving, at the computer application, a second data from a second input device on the electronic device; (3) receiving, at the computer application, a third input from a third input device on the electronic device; and (4) communicating, by the computer application and to a server, the first input, the second input, and the third input. The first input, second input and third input may be received within a predetermined time period, such as five seconds.

Claims

1. A method for multi-mode biometric authentication comprising:

receiving, at a computer application executed by an electronic device, a first input from a first input device on the electronic device;

receiving, at the computer application, a second data from a second input device on the electronic device;

receiving, at the computer application, a third input from a third input device on the electronic device; and

communicating, by the computer application and to a server, the first input, the second input, and the third input;

wherein the first input, second input and third input are received within a predetermined time period.

2. The method of claim 1, wherein the electronic device is a mobile electronic device, and the computer application is a mobile application.

3. The method of claim 1, wherein the first input device is a first camera, and the first input is a machine-readable code.

4. The method of claim 2, wherein the machine-readable code is a QR code.

5. The method of claim 1, wherein the second input device is a second camera, and the second input is an image of at least a part of a user.

6. The method of claim 5, wherein the image of the user comprises at least one of the user'"'"'s eyes.

7. The method of claim 5, wherein the image of the user comprises at least the user'"'"'s face.

8. The method of claim 1, wherein the third input device is a microphone, and the third input is a voice biometric.

9. The method of claim 1, wherein the third input device is touch-sensitive, and the third input is a finger biometric.

10. The method of claim 1, wherein the third input is a behavioral biometric.

11. The method of claim 1, wherein the third input is a thermal biometric.

12. The method of claim 1, wherein the predetermined time period is within 5 seconds.

13. The method of claim 1, wherein the first input, the second input, and the third input are received in response to a user attempting to access a website.

14. The method of claim 1, wherein the first input, the second input, and the third input are received in response to a user attempting to conduct a transaction.

15. The method of claim 14, wherein the transaction has a value above a predetermined value.

16. The method of claim 14, wherein the transaction has a risk level above a predetermined risk level.

17. The method of claim 1, wherein the first input, the second input, and the third input are received in response to a user launching a second computer application.

18. A method for multi-mode biometric authentication comprising:

receiving, at a computer application executed by an electronic device, an image of at least a portion of a user at a first camera on the electronic device;

displaying, on a touch screen of the electronic device, the image of at least a portion of the user;

receiving, at the electronic application, touch data on the image of at least a portion of the user from the touch sensitive portion of the touch screen; and

communicating, to a server, the image of at least a portion of the user and the touch data;

wherein the image of at least a portion of the user and the touch data are received within a predetermined time period.

19. The method of claim 18, wherein the touch data is related to the image of at least a portion of the user.

20. The method of claim 18, wherein the image of at least a portion of the user is displayed with a plurality of biometric markers.

21. The method of claim 20, wherein the touch data comprises a pattern trace among at least two of the biometric markers.

22. The method of claim 18, wherein the image of at least a portion of the user is displayed with a plurality of highlighted areas.

23. The method of claim 22, wherein the touch data comprises a pattern trace among at least two of the highlighted areas.

24. The method of claim 18, wherein the image of at least a portion of the user is displayed with a signature area.

25. The method of claim 24, wherein the touch data comprises a signature of the user.

26. The method of claim 18, wherein the image of at least a portion of a user and the touch data are received in response to a user attempting to conduct a transaction, and wherein the transaction has one of a value above a predetermined value and a risk level above a predetermined risk level.

27. The method of claim 18, wherein the image of at least a portion of a user and the touch data are received in response to a user launching a second computer application.

28. The method of claim 24, further comprising:

receiving, at the computer application, a biometric from the user at an input device on the electronic device;

wherein the biometric is communicated to the server with the image of at least a portion of the user and the touch data, and

wherein the image of at least a portion of the user, the touch data, and the biometric are received within the predetermined time period.

29. A method for biometric authentication comprising:

capturing, at an electronic device, an image of an iris of a user;

comparing, using at least one computer processor, biometrics data from the image of the iris to stored iris biometrics data for the user;

verifying that the image of the iris is a live image;

capturing, at the electronic device, a side image of the iris;

verifying, using the at least one computer processor, a transparency of a cornea in the side image of the iris; and

authenticating the user.

30. The method of claim 29, wherein the image of the iris comprises a video of the iris.

31. The method of claim 29, wherein the step of capturing an image of an iris of a user comprises:

capturing a first image of a first iris of the user; and

capturing a second image of a second iris of the user.

32. The method of claim 31, wherein the first image and the second image are contained within a single image.

33. The method of claim 31, wherein the first image and the second image comprise a video.

34. The method of claim 29, wherein the step of verifying that the image of the at least one iris of the user is a live image comprises:

capturing a first image of at least one pupil of the user at a first lighting level;

capturing a second image of the at least one pupil of the user at a second lighting level;

determining, using the at least one computer processor, a change in a size of the at least one pupil in the first image and the second image;

determining a change in lighting level in the first lighting level and the second lighting level; and

determining if the change in the size of the at least one pupil is proportional to the change in lighting level.

35. The method of claim 34, wherein the change in lighting level is caused by illuminating a light on the mobile device.

36. The method of claim 34, wherein the change in lighting level is caused by changing a brightness of the touch screen on the mobile device.

37. The method of claim 29, wherein the step of verifying that the image of the at least one iris of the user is a live image comprises:

instructing the user to perform an eye movement;

capturing, at the electronic device, at least one second image of the at least one iris; and

verifying that a position of the iris in the first image and the second image are different.

38. The method of claim 37, wherein the instruction to perform an eye movement is one of a instruction to look in a direction.

39. The method of claim 29, further comprising:

detecting, using the at least one computer processor, if the user is wearing color contact lenses.

40. The method of claim 29, wherein the step of verifying, using the at least one computer processor, a transparency of a cornea in the side image of the iris comprises:

comparing, using the at least one computer processor, biometrics data from the image of the cornea to stored cornea biometrics data for the user.