Multi-channel multi-factor authentication
First Claim
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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 video in response to the prompt;
extracting a biometric response from the video; 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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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.
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Citations
19 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 video in response to the prompt; extracting a biometric response from the video; 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)
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10. 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 video in response to the prompt; extracting a biometric response from the video; and determining a match between the biometric response and a biometric template associated with the prompt sent over the second channel. - View Dependent Claims (11, 12, 13, 14)
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15. 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 video in response to the prompt; extracting, with a microprocessor, a biometric response from the video; and determining a match between the biometric response and a biometric template associated with the prompt. - View Dependent Claims (16, 17, 18, 19)
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Specification