Fraud resistant biometric financial transaction system and method
First Claim
1. A method of authenticating financial transactions comprising acquiring biometric data from a person, calculating probability of liveness, Pp, of the person and probability of a match, Pm, between the person or a token and known biometric or token information respectively, determining a combination of Pp and Pm that emphasizes the contribution of Pp to the combination, and providing an authentication decision, D, based on the determined combination of Pp and Pm.
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Abstract
A method and system for authenticating financial transactions is disclosed wherein biometric data is acquired from a person and the probability of liveness of the person and probability of a match between the person or token and known biometric or token information are calculated, preferably according to a formula D=P(p)*(K+P(m)), wherein K is a number between 0.1 and 100, and authenticating if the value of D exceeds a predetermined value.
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Citations
21 Claims
- 1. A method of authenticating financial transactions comprising acquiring biometric data from a person, calculating probability of liveness, Pp, of the person and probability of a match, Pm, between the person or a token and known biometric or token information respectively, determining a combination of Pp and Pm that emphasizes the contribution of Pp to the combination, and providing an authentication decision, D, based on the determined combination of Pp and Pm.
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15. A method of authenticating financial transactions comprising acquiring biometric data from a person, calculating probability of liveness, Pp, of the person and probability of a match, Pm, between the person or a token and known biometric or token information, and providing an authentication decision, D, based on a combination of Pp and Pm, wherein D is calculated as a function of Pm and Pp according to the formula D=P(p)*(K+P(m)), wherein K is a constant.
- 16. A system for authenticating financial transactions comprising means to acquire biometric data from a person and calculate probability of liveness, Pp, of the person and probability of a match, Pm, between the person or token and known biometric or token information, determine a combination of Pp and Pm that emphasizes the contribution of Pp to the combination, and provide an authentication decision, D, based on the determined combination of Pp and Pm.
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18. The system of 16 wherein the means to calculate comprises a computer programmed to determine Pp, Pm, and to authenticate if the value of D exceeds a predetermined value according to a formula D=P(p)*(K+P(m)), wherein K is a number between 0.5 and 1.5.
Specification