Systems and methods for identifying biometric information as trusted and authenticating persons using trusted biometric information

• US 8,572,398 B1
• Filed: 02/13/2013
• Issued: 10/29/2013
• Est. Priority Date: 02/13/2013
• Status: Active Grant

• Current Assignee: Daniel Duncan
• Original Assignee: Daniel Duncan
• Inventors: Duncan, Daniel
• Primary Examiner(s): HOFFMAN, BRANDON S
• Application Number:
  US13/766,116
• Time in Patent Office: 258 Days
• Field of Search: None
• US Class Current: 713/186
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04L 63/0861 using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231

Abstract

Systems and methods of identifying biometric information as trusted and authenticating persons using trusted biometric information are provided. Biometric information can be identified as trusted by comparing it to other biometric information and/or based on the age of the biometric information and/or receiving correct answers to questions based on personal information. Once biometric information has been identified as trusted it can be used as part of an authentication process by receiving biometric information from a person to be authenticated and comparing the received biometric information with the trusted biometric information.

Claims

1. A method, comprising:

receiving, by a centralized computer, personal information for a first person from a plurality of independent sources, wherein the personal information for the first person includes first historical biometric information from a first one of the plurality of independent sources and second historical biometric information from a second one of the plurality of independent sources;

comparing, by the centralized computer, the first and second historical biometric information;

determining, by the centralized computer, a first similarity measure based on the comparison of the first and second historical biometric information;

identifying, by the centralized computer, the first and second historical biometric information as trusted first and second biometric information when the first similarity measure is greater than or equal to a first similarity measure threshold;

receiving, by the centralized computer, a request to authenticate a person, wherein the request to authenticate includes third biometric information;

comparing, by the centralized computer, the third biometric information with the first trusted biometric information, the trusted second biometric information, or a composite of at least the first and second trusted biometric information;

determining, by the centralized computer, a second similarity measure based on the comparison of the third biometric information with the first trusted biometric information, the second trusted biometric information, or the composite of at least the first and second trusted biometric information; and

authenticating, by the centralized computer, the person as the first person when the second similarity measure is greater than or equal to a second similarity measure threshold.

2. The method of claim 1, wherein the first, second, and third biometric information is voice biometric information.

3. The method of claim 1, further comprising:

receiving, by the centralized computer, additional, non-biometric personal information for the first person from one of the plurality of independent sources; and

comparing, by the centralized computer, the additional, non-biometric personal information for the first person with other non-biometric personal information for the first person, wherein the other non-biometric personal information is obtained from a source other than the plurality of independent sources,

wherein the first person is identified as trusted when

the first similarity measure is greater than or equal to the first similarity measure threshold; and

the additional, non-biometric personal information matches the other non-biometric personal information.

4. The method of claim 3, wherein when the additional, non-biometric personal information does not match the other non-biometric personal information, the method further comprises:

informing an information source that provided the third biometric information or an information user that the third biometric information is not associated with the first person.

5. The method of claim 1, further comprising:

receiving, by the centralized computer, an indication whether the first person is in good standing with at least one of the plurality of independent sources for a predetermined period of time,

wherein the first and second biometric information is identified as trusted first and second biometric information when

the first similarity measure is greater than or equal to the first similarity measure threshold; and

the first person is in good standing with at least one of the first or second one of the plurality of independent sources for the predetermined period of time.

6. The method of claim 1, wherein the personal information for the first person is received from the first one and second one of the plurality of independent sources in bulk with personal information for a plurality of other persons.

7. The method of claim 6, wherein the personal information for the first person and the plurality of other persons includes historical voice biometric information obtained independent of a process of identifying the person and the plurality of other persons as trusted.

8. The method of claim 1, wherein the first and second similarity measure thresholds are the same.

9. The method of claim 1, wherein the third biometric information is near-real-time biometric information.

10. The method of claim 1, wherein the person is authenticated as the first person based exclusively on whether the second similarity measure is greater than or equal to the second similarity measure threshold.

11. The method of claim 1, wherein the authentication of the first person further comprises:

comparing, by the centralized computer, the third biometric information with biometric information in a blacklist of known fraudsters.

12. The method of claim 1, wherein when the second similarity measure is less than the second similarity measure threshold, the method further comprises:

selecting, by the centralized computer, a dynamic search group of individuals that may have unauthorized access to personal information of the first person;

comparing, by the centralized computer, available biometric information for each of the individuals in the dynamic search group with the third biometric information;

determining, by the centralized computer, a third similarity measure based on the comparison of the available biometric information for each of the individuals in the dynamic search group with the third biometric information; and

adding any of the individuals to a blacklist when the third similarity measure for a particular one of the individuals is greater than or equal to a predetermined third similarity measure.

13. The method of claim 1, wherein the first person has a device executing an application, and after authenticating the person as the first person the method further comprises:

receiving, by the application from the centralized computer, a single-use password; and

providing, by the application, the single-use password to the person,

providing, by the person to a third party, a user name and the single-use password;

transmitting, by the third party, the user name and a password to the centralized computer; and

receiving, by the third party, an authorization of the person when the password transmitted to the centralized computer matches the single-use password.

14. The method of claim 1, wherein when the second similarity measure is less than the second similarity measure threshold, the method comprises:

comparing, by the centralized computer, the second similarity measure to a third similarity measure threshold, wherein the third similarity measure threshold is lower than the second similarity measure threshold; and

adding the third biometric information to a blacklist when the second similarity measure is less than the third similarity measure threshold.

15. The method of claim 1, wherein when the second similarity measure is less than the second similarity measure threshold and the person to be authenticated as the first person provides an information user with the third biometric via an inbound call to the information user, the method comprises:

initiating, by the centralized computer, a contact using contact information associated with the first person;

capturing, by the centralized computer, a fourth biometric information from a person answering the contact;

comparing, by the centralized computer, the third biometric information with a fourth biometric information that is received during the solicitation of answers to questions;

determining, by the centralized computer, a third similarity measure based on the comparison of the third biometric information with the fourth biometric information;

authenticating, by the centralized computer, the person answering the contact as the first person when the third similarity measure is greater than or equal to a third similarity measure threshold;

querying, by the centralized computer, the person answering the contact as to whether they initiated the call to the information user; and

allowing an interaction between the person authenticated as the first person and the information user when the person answering the contact indicates that they initiated the call to the information user.

16. The method of claim 15, wherein the querying further comprises soliciting answers to questions that are generated using the personal information and the interaction is allowed between the person authenticated as the first person and the information user when the person answering the contact indicates that they initiated a call to the information user and all of the questions are answered correctly.

17. The method of claim 16, wherein when the third biometric information is added to a blacklist when the person authenticated as the first person indicates that they did not initiate the call to the information user or the fourth biometric information is added to the blacklist when the person answering the contact does not answer all of the questions correctly.

18. The method of claim 15, wherein

the third biometric information is added to a blacklist when the person authenticated as the first person indicates that they did not initiate the call to the information user;

or

the fourth biometric information is added to the blacklist when the third similarity measure is less than the third similarity measure threshold.

19. The method of claim 15, wherein when the person answering the contact indicates that they initiated the call to the information user the method further comprises:

comparing, by the centralized computer, the third biometric information and the fourth biometric information; and

adding the third biometric information to a blacklist when the third biometric information does not match the fourth biometric information.

20. The method of claim 1, wherein the first person has a device executing an application, the method further comprising:

transmitting, by the centralized computer to the application, a voting ballot;

receiving, by the centralized computer from the application, a completed voting ballot and fourth biometric information;

determining, by the centralized computer, a third similarity measure based on the comparison of the third biometric information with the fourth biometric information;

authenticating, by the centralized computer, the completed voting ballot as being received from the first person when the third similarity measure is greater than or equal to a third similarity measure threshold; and

submitting, by the centralized computer, the completed voting ballot as a final ballot for the first person when the completed ballot is authenticated.

21. The method of claim 1, wherein when the second similarity measure is less than the second similarity measure threshold, the method further comprises:

informing an information source that provided the third biometric information or an information user that the third biometric information is not associated with the first person.

22. A method, comprising:

receiving, by a centralized computer, personal information for a first person from a plurality of independent sources, wherein the personal information for the first person includes first historical biometric information from a first one of the plurality of independent sources;

receiving, by the centralized computer, a request to authenticate a person, wherein the request to authenticate includes second biometric information;

comparing, by the centralized computer, the second biometric information with the first historical biometric information;

determining, by the centralized computer, a similarity measure based on the comparison of the second biometric information with the first historical biometric information;

authenticating, by the centralized computer, the person as the first person when the similarity measure is greater than or equal to a similarity measure threshold; and

identifying, by the centralized computer, the first historical biometric information and the second biometric information as first and second trusted biometric information when the similarity measure is greater than or equal to the similarity measure threshold.

23. The method of claim 22, further comprising:

receiving, by the centralized computer, additional, non-biometric personal information for the first person from one of the plurality of independent sources; and

comparing, by the centralized computer, the additional, non-biometric personal information for the first person with other non-biometric personal information for the first person,

wherein the first person is authenticated when

the similarity measure is greater than or equal to a similarity measure threshold; and

the additional, non-biometric personal information matches the other non-biometric personal information.

24. The method of claim 22, further comprising:

receiving, by the centralized computer, an indication whether the first person is in good standing with at least one of the plurality of independent sources for a predetermined period of time,

wherein the first person is authenticated when

the similarity measure is greater than or equal to the similarity measure threshold; and

the first person is in good standing with at least one of the plurality of independent sources for the predetermined period of time.

25. A method, comprising:

receiving, by a centralized computer, personal information for a first person from a plurality of independent sources, wherein the personal information for the first person includes first historical biometric information from a first one of the plurality of independent sources and second historical biometric information from a second one of the plurality of independent sources;

comparing, by the centralized computer, the first and second historical biometric information;

determining, by the centralized computer, a first similarity measure based on the comparison of the first and second historical biometric information;

identifying, by the centralized computer, the first and second historical biometric information as first and second trusted biometric information when the first similarity measure is greater than or equal to a first similarity measure threshold;

identifying, by the centralized computer, a high-risk transaction;

initiating, by the centralized computer, a contact using contact information associated with the first person;

capturing, by the centralized computer, a third biometric information from a person answering the contact;

comparing, by the centralized computer, the third biometric information with the first trusted biometric information, the second trusted biometric information, or a composite of at least the first and second trusted biometric information;

determining, by the centralized computer, a third similarity measure based on the comparison of the third biometric information with the first trusted biometric information, the second trusted biometric information, or the composite of at least the first and second trusted biometric information;

allowing the high-risk transaction to proceed between the person answer the contact and an information user and authenticating the person answering the contact as the first person when the third similarity measure is greater than or equal to a third similarity measure threshold.

26. The method of claim 25, further comprising:

querying, by the centralized computer of the person answering the contact, whether they initiated the high-risk transaction, wherein the high-risk transaction is allowed between the person authenticated as the first person and the information user when the person answering the contact indicates that they initiated the high-risk transaction.

27. The method of claim 25, further comprising:

querying, by the centralized computer of the person answering the contact, whether they initiated the high-risk transaction;

querying, by the centralized computer of the person answering the contact, answers to questions that are generated using the personal information,

wherein the high-risk transaction is allowed between the person authenticated as the first person and the information user when the person authenticated as the first person indicates that they initiated the high-risk transaction and all of the questions are answered correctly.

28. The method of claim 27, wherein the third biometric information is added to a blacklist when the first or second biometric information is not available and not all of the questions are answered correctly.

29. The method of claim 25, wherein the third biometric information is added to a blacklist when the person is not authenticated as the first person.

30. The method of claim 25, wherein the centralized computer identifies the high-risk transaction by being informed of the high-risk transaction by a request from the information user that received the high-risk transaction from the first person.