AUTHENTICATION VIA BIOMETRIC PASSPHRASE

• US 20150332273A1
• Filed: 05/19/2014
• Published: 11/19/2015
• Est. Priority Date: 05/19/2014
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bruno, John
• Granted Patent: US 10,438,204 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/40145 Biometric identity checks

Abstract

A system, method and computer program product for granting access and/or an authorization are disclosed. For instance, a computer-implemented method may include receiving a first sequence of plurality of biometric data elements. The sequence of plurality of biometric data elements may comprise a biometric passphrase. The method may include registering the biometric passphrase to a known user and/or a transaction account. The method may include receiving a transaction request comprising a second sequence of plurality of biometric data elements. The method may include comparing the second sequence of plurality of biometric data elements to the biometric passphrase to resulting in a confidence factor of the comparison. The comparison may include comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of plurality of biometric data elements to the biometric passphrase.

Claims

1. A computer-implemented method comprising:

receiving, by a computer-based system configured for granting authorizations, a first sequence of a plurality of biometric data elements, wherein the first sequence of the plurality of biometric data elements comprises a biometric passphrase;

registering, by the computer-based system, the biometric passphrase to a known user to create a registered biometric passphrase;

receiving, by the computer-based system, a transaction request comprising a second sequence of a plurality of biometric data elements;

comparing, by the computer-based system, the second sequence of the plurality of biometric data elements to the registered biometric passphrase to result in a confidence factor of the comparison; and

authorizing, by the computer-based system, the transaction request based on the confidence factor of the comparison of the second sequence of the plurality of biometric data elements with the registered biometric passphrase being above a threshold, wherein the comparison includes comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of the plurality of biometric data elements to the registered biometric passphrase.

2. The method of claim 1, further comprising storing a dictionary of biometric data elements particular to a known user for configuration into the registered biometric passphrase.

3. The method of claim 1, wherein the biometric data elements comprise a variety of types of biometric sources, wherein the biometric sources comprise at least one of a specific utterance of the known user'"'"'s voice, a fingerprint, facial scan, ear scan, vascular pattern, DNA sample, hand geometry, olfaction, or retinal data.

4. The method of claim 3, wherein the registered biometric passphrase comprises the biometric sources being input in concert with each other.

5. The method of claim 3, wherein the registered biometric passphrase comprises a plurality of types of biometric sources.

6. The method of claim 3, wherein the registered biometric passphrase comprises the biometric sources and keyboard characters.

7. The method of claim 1, wherein the receiving of the first sequence of the plurality of biometric data elements is transmitted via at least one of a portable consumer device of the known user or a biometric reader.

8. The method of claim 1, wherein the characteristics of each respective biometric data element include the orientation that the biometric source is received by a biometric reader.

9. The method of claim 1, wherein the authorizing of the transaction request further comprises comparing the duration between the entry of each respective biometric data element to a pre-stored threshold.

10. The method of claim 1, wherein the authorizing of the transaction request further comprises comparing data associated with the duration of the entry the registered biometric passphrase to a pre-stored threshold.

11. The method of claim 1, wherein the received first sequence of the plurality of biometric data elements are encrypted.

12. The method of claim 1, wherein the registered biometric passphrase may designate a particular transaction account of the known user to use in the transaction.

13. The method of claim 1, wherein the transaction request comprises a request to access transaction account information.

14. The method of claim 1, further comprising replacing the registered biometric passphrase with a third sequence of updates to the plurality of biometric data element.

15. The method of claim 1, further comprising transmitting the result of the authorizing of the transaction request to at least one of a merchant point of sale system or a portable consumer device of the known user.

16. The method of claim 1, further comprising, in response to the comparison of the second sequence of the plurality of biometric data elements with the registered biometric passphrase being below the threshold, transmitting a request for the known user to provide a sequence of biometric data elements randomly selected from a dictionary of pre-stored biometric data elements of the known user.

17. The method of claim 1, wherein the registered biometric passphrase is stored to a portable consumer device of the known user.

18. The method of claim 1, wherein the registered biometric passphrase comprises an individual biometric data element being used a plurality of times within the first sequence.

19. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system configured for granting authorizations, cause the computer-based system to be capable of performing operations comprising:

receiving, by the computer-based system, a first sequence of a plurality of biometric data elements, wherein the first sequence of the plurality of biometric data elements comprises a biometric passphrase;

registering, by the computer-based system, the biometric passphrase to a known user to create a registered biometric passphrase;

receiving, by the computer-based system, a transaction request comprising a second sequence of a plurality of biometric data elements;

comparing, by the computer-based system, the second sequence of the plurality of biometric data elements to the registered biometric passphrase to result in a confidence factor of the comparison; and

authorizing, by the computer-based system, the transaction request based on the confidence factor of the comparison of the second sequence of the plurality of biometric data elements with the registered biometric passphrase being above a threshold, wherein the comparison includes comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of the plurality of biometric data elements to the registered biometric passphrase.

20. A system comprising:

a processor configured for granting authorizations,

a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to be capable of performing operations comprising;

receiving, by a computer-based system for granting authorizations, a first sequence of a plurality of biometric data elements, wherein the first sequence of the plurality of biometric data elements comprises a biometric passphrase;

registering, by the processor, the biometric passphrase to a known user to create a registered biometric passphrase;

receiving, by the processor, a transaction request comprising a second sequence of a plurality of biometric data elements;

comparing, by the processor, the second sequence of the plurality of biometric data elements to the registered biometric passphrase to result in a confidence factor of the comparison; and

authorizing, by the processor, the transaction request based on the confidence factor of the comparison of the second sequence of the plurality of biometric data elements with the registered biometric passphrase being above a threshold, wherein the comparison includes comparing the sequencing of the second sequence of plurality of biometric data elements and the characteristics of each biometric data element of the second sequence of the plurality of biometric data elements to the registered biometric passphrase.