Multi-channel multi-factor authentication
First Claim
Patent Images
1. A method for authenticating a user comprising:
- receiving a claimant target over a first channel;
retrieving a device address associated with a user ID;
sending a prompt over a second channel to a device associated with the device address, the prompt being one of a plurality of prompts, each of the plurality of prompts having a biometric template of the user associated therewith;
receiving a biometric response to the prompt; and
determining a match between the biometric response and a biometric template associated with the prompt that was sent over the second channel.
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Accused Products
Abstract
Systems and methods for authenticating electronic transactions are provided. The authentication methods employ a combination of security features and communication channels. These security features can be based, for example, on unique knowledge of the person being authenticated, a unique thing that the person has, unique personal features and attributes of the person, the ability of the person to respond, and to do so in a fashion that a machine cannot, and so forth. Methods for enrolling the person prior to authentication are also provided, as well as systems for enrollment and authentication.
140 Citations
33 Claims
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1. A method for authenticating a user comprising:
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receiving a claimant target over a first channel; retrieving a device address associated with a user ID; sending a prompt over a second channel to a device associated with the device address, the prompt being one of a plurality of prompts, each of the plurality of prompts having a biometric template of the user associated therewith; receiving a biometric response to the prompt; and determining a match between the biometric response and a biometric template associated with the prompt that was sent over the second channel. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A method for authenticating a user comprising:
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receiving a claimant target over a first channel; retrieving a device address associated with a user ID; establishing a second channel to a device associated with the device address; sending a prompt to the user, the prompt being one of a plurality of prompts, each of the plurality of prompts having a biometric template of the user associated therewith; receiving a biometric response to the prompt over the second channel; and determining a match between the biometric response and a biometric template associated with the prompt sent over the second channel. - View Dependent Claims (18, 19, 20, 21)
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22. A method for authentication consisting of:
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a claimant submitting a unique identifier over a first channel; the claimant receiving a prompt on a device; and the claimant submitting a biometric response to the prompt, where one of the two steps of receiving the prompt and submitting the biometric response is performed over a second channel. - View Dependent Claims (23, 24)
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25. An authentication system comprising:
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enrollment logic configured to enroll a user by associating the user with a user ID, associating the user ID and with a device address, associating a plurality of prompts with the user ID, and associating a plurality of biometric templates each with one of the plurality of prompts; and authentication logic configured to authenticate a claimant as the user by receiving a claimant target over a first channel, retrieving a device address associated with the user ID, sending a prompt from the plurality of prompts to a device associated with the device address over a second channel, receiving a biometric response to the prompt, and determining a match between the biometric response and a biometric template associated with the prompt. - View Dependent Claims (26, 27)
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28. An authentication system comprising authentication logic configured to authenticate a claimant by
receiving a claimant target over a first channel; -
retrieving a device address associated with a user ID; sending a prompt from a plurality of prompts to a device associated with the device address over a second channel; receiving a biometric response to the prompt; and determining a match between the biometric response and a biometric template associated with the prompt. - View Dependent Claims (29, 30, 31, 32, 33)
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Specification