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, the claimant target being associated with a user ID;
selecting an entry from a knowledge base associated with the user ID;
sending a prompt, where the prompt does not include the entry;
receiving a biometric response including voice data spoken by a claimant in response to the prompt;
performing a voice recognition analysis on the voice data to identify the entry within the voice data; and
performing a voice identification analysis to determine a match between the claimant and the user.
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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.
136 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, the claimant target being associated with a user ID; selecting an entry from a knowledge base associated with the user ID; sending a prompt, where the prompt does not include the entry; receiving a biometric response including voice data spoken by a claimant in response to the prompt; performing a voice recognition analysis on the voice data to identify the entry within the voice data; and performing a voice identification analysis to determine a match between the claimant and the user. - View Dependent Claims (2, 3, 4, 5, 6)
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7. 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, and creating a knowledge base associated with the user ID, the knowledge base including a set of records, each record including a pair of entries; and authentication logic configured to authenticate a claimant as the user by receiving a claimant target over a first channel, selecting a first entry from the knowledge base associated with the user ID, sending a prompt, where the prompt does not include the first entry, receiving a biometric response including voice data spoken by the claimant in response to the prompt, performing a voice recognition analysis on the voice data to identify the first entry within the voice data, and performing a voice identification analysis to determine a match between the claimant and the user. - View Dependent Claims (8, 9, 10, 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, selecting a first entry from a knowledge base associated with the claimant target, sending a prompt, where the prompt does not include the first entry, receiving a biometric response including voice data spoken by the claimant in response to the prompt, performing a voice recognition analysis on the voice data to identify the first entry within the voice data, and performing a voice identification analysis to determine a match between the claimant and a user associated with the claimant target. - View Dependent Claims (16, 17, 18, 19)
Specification