Biometric identification and authentication system

• US 9,152,960 B2
• Filed: 07/26/2013
• Issued: 10/06/2015
• Est. Priority Date: 04/01/2010
• Status: Active Grant

• Current Assignee: Kishore Living Trust
• Original Assignee: Shyam Chetal
• Inventors: Chetal, Shyam, Giolma, William Henry
• Primary Examiner(s): Qayyum, Zeshan
• Application Number:
  US13/951,489
• Publication Number:
  US 20130311367A1
• Time in Patent Office: 802 Days
• Field of Search: 705/52
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/265 Personal security, identity or safety
• CPC Class Codes: G06V 10/94 Hardware or software architectures specially adapted for image or video understanding
• CPC Class Codes: G06V 30/242 Division of the character sequences into groups prior to recognition; Selection of dictionaries
• CPC Class Codes: G06V 40/70 Multimodal biometrics, e.g. combining information from different biometric modalities

Abstract

Disclosed are methods, apparatus, and systems of biometric identification and authentication. In one embodiment, a method to authenticate a user at an automated teller machine is disclosed. In this embodiment, the method comprises: retrieving, by a processor of the automated teller machine, a numeric identification data inputted by the user; comparing, by the processor or by a processor of a remote sever, the numeric identification data against a stored set of numeric identification data in a user database stored in a memory communicatively coupled to the automated teller machine; and narrowing, by the processor or by the processor of the remote server, a user population to a first narrowed set of the user population based on the comparison of the numeric identification data against the stored set of numeric identification data. Multiple biometric identification techniques may then be used to authenticate the user at the automated teller machine.

Claims

1. A method A method to authenticate a user at an automated teller machine (ATM), the method comprising:

receiving by a processor of the ATM communicatively coupled to a memory, numeric data identifying the user but unexclusive thereto;

comparing by at least one of;

the processor of the ATM and a processor of a remote server communicatively coupled to the ATM, the received numeric data with stored numeric data in a database associated with the remote server;

narrowing by the at least one of;

the processor of the ATM and the processor of the remote server, a search space within the database associated with the remote server based on the comparison of the received numeric data into a first search space, the first search space comprising a plurality of users identified by the numeric data received from the user, and the plurality of users including the user providing the numeric data;

receiving by the processor of the ATM, biometric identification data of the user from at least one of;

a fingerprint scanner, an iris scanner and a camera communicatively coupled to the processor of the ATM following the narrowing of the search space into the first search space;

extracting by the processor of the ATM, a partial biometric identifier of the user from the received biometric identification data in a first operation;

comparing by the at least one of;

the processor of the ATM and the remote server, the extracted partial biometric identifier of the user with stored biometric identification data in the database associated with the remote server in the first operation;

narrowing by the at least one of;

the processor of the ATM and the processor of the remote server, the first search space into a second search space based on the comparison of the extracted partial biometric identifier of the user in the first operation;

extracting by the processor of the ATM, a second biometric identifier of the user from the received biometric identification data in at least one second operation temporally succeeding the first operation, the extracted second biometric identifier being a more unique identifier of the user than the extracted partial biometric identifier thereof;

comparing by the at least one of;

the processor of the ATM and the remote server, the extracted second biometric identifier of the user with the stored biometric identification data in the database associated with the remote server in the at least one second operation;

narrowing by the at least one of;

the processor of the ATM and the processor of the remote server, the second search space into a third search space based on the comparison of the extracted second biometric identifier of the user in the at least one second operation; and

providing by the processor of the ATM, the user access to financial account information unique thereto only when the third search space solely includes the user providing the biometric identification data and the numeric data.

2. The method of claim 1, wherein the numeric data received from the user is at least one of:

a zip code of the user and a pin code of the user.

3. The method of claim 1, comprising receiving at least one of:

fingerprint data, iris data and facial scan data of the user as the biometric identification data thereof.

4. The method of claim 3, comprising at least one of:

capturing a scan of a fingerprint of the user through the fingerprint scanner communicatively coupled to the processor of the ATM as the fingerprint data;

capturing a scan of an iris of the user through the iris scanner communicatively coupled to the processor of the ATM as the iris data; and

capturing an image of a face of the user through the camera communicatively coupled to the processor of the ATM as the facial scan data.

5. The method of claim 4, wherein:

the extracted partial biometric identifier with respect to the fingerprint data is at least one of;

an arch, a loop and a whorl of the fingerprint, and

the extracted second biometric identifier with respect to the fingerprint data is at least one of;

a pattern and a minutia feature of the fingerprint.

6. The method of claim 4, wherein:

the extracted partial biometric identifier with respect to the iris data is a chromatic pattern of a stroma of the iris, and

the extracted second biometric identifier with respect to the iris data is a chromatic pattern of the epithelial layer of the iris.

7. The method of claim 4, wherein:

the extracted partial biometric identifier with respect to the facial scan data is a set of dimensions of the face of the user, and

the extracted second biometric identifier with respect to the facial scan data is a set of distances from predetermined reference points to a center point on the face of the user.

8. A non-transitory medium, readable through at least one of an ATM and a remote server communicatively coupled to the ATM and comprising instructions related to authenticating a user at the ATM embodied that when executed, cause the at least one of the ATM and the remote server to perform the steps of:

receiving numeric data identifying the user but unexclusive thereto;

comparing the received numeric data with stored numeric data in a database associated with the remote server;

narrowing a search space within the database associated with the remote server based on the comparison of the received numeric data into a first search space, the first search space comprising a plurality of users identified by the numeric data received from the user, and the plurality of users including the user providing the numeric data;

receiving biometric identification data of the user from at least one of;

a fingerprint scanner, an iris scanner and a camera communicatively coupled to the processor of the ATM following the narrowing of the search space into the first search space;

extracting a partial biometric identifier of the user from the received biometric identification data in a first operation;

comparing the extracted partial biometric identifier of the user with stored biometric identification data in the database associated with the remote server in the first operation;

narrowing the first search space into a second search space based on the comparison of the extracted partial biometric identifier of the user in the first operation;

extracting a second biometric identifier of the user from the received biometric identification data in at least one second operation temporally succeeding the first operation, the extracted second biometric identifier being a more unique identifier of the user than the extracted partial biometric identifier thereof;

comparing the extracted second biometric identifier of the user with the stored biometric identification data in the database associated with the remote server in the at least one second operation;

narrowing the second search space into a third search space based on the comparison of the extracted second biometric identifier of the user in the at least one second operation; and

providing the user access to financial account information unique thereto only when the third search space solely includes the user providing the biometric identification data and the numeric data.

9. The non-transitory medium of claim 8, further comprising instructions that when executed, caused the at least one of the ATM and the remote server to perform the step of:

receiving at least one of;

a zip code of the user and a pin code of the user as the numeric data from the user.

10. The non-transitory medium of claim 8, further comprising instructions that when executed, caused the at least one of the ATM and the remote server to perform the step of:

receiving at least one of;

fingerprint data, iris data and facial scan data of the user as the biometric identification data thereof.

11. The non-transitory medium of claim 10, further comprising at least one of:

instructions that when executed, caused the at least one of the ATM and the remote server to perform the step of;

capturing a scan of a fingerprint of the user through the fingerprint scanner communicatively coupled to the processor of the ATM as the fingerprint data;

capturing a scan of an iris of the user through the iris scanner communicatively coupled to the processor of the ATM as the iris data; and

capturing an image of a face of the user through the camera communicatively coupled to the processor of the ATM as the facial scan data.

12. The non-transitory medium of claim 11, further comprising instructions that when executed, caused the at least one of the ATM and the remote server to perform the step of:

extracting;

at least one of;

an arch, a loop and a whorl of the fingerprint as the partial biometric identifier; and

at least one of;

a pattern and a minutia feature of the fingerprint as the second biometric identifier.

13. The non-transitory medium of claim 11, further comprising instructions that when executed, caused the at least one of the ATM and the remote server to perform the step of:

extracting;

a chromatic pattern of a stroma of the iris as the partial biometric identifier, and a chromatic pattern of an epithelial layer of the iris as the second biometric identifier.

14. The non-transitory medium of claim 11, further comprising instructions that when executed, caused the at least one of the ATM and the remote server to perform the step of:

extracting;

a set of dimensions of the face of the user as the partial biometric identifier, and a set of distances from predetermined reference points to a center point on the face of the user as the second biometric identifier.

15. An ATM configured to authenticate a user, comprising:

a memory; and

a processor communicatively coupled to the memory, the memory storing instructions that, when executed, cause the processor to perform the steps of;

receiving numeric data identifying the user but unexclusive thereto,

comparing the received numeric data with stored numeric data in a database associated with a remote server communicatively coupled to the ATM,

narrowing a search space within the database associated with the remote server based on the comparison of the received numeric data into a first search space, the first search space comprising a plurality of users identified by the numeric data received from the user, and the plurality of users including the user providing the numeric data,

receiving biometric identification data of the user from at least one of;

a fingerprint scanner, an iris scanner and a camera communicatively coupled to the processor of the ATM following the narrowing of the search space into the first search space,

extracting a partial biometric identifier of the user from the received biometric identification data in a first operation,

comparing the extracted partial biometric identifier of the user with stored biometric identification data in the database associated with the remote server in the first operation,

narrowing the first search space into a second search space based on the comparison of the extracted partial biometric identifier of the user in the first operation,

extracting a second biometric identifier of the user from the received biometric identification data in at least one second operation temporally succeeding the first operation, the extracted second biometric identifier being a more unique identifier of the user than the extracted partial biometric identifier thereof,

comparing the extracted second biometric identifier of the user with the stored biometric identification data in the database associated with the remote server in the at least one second operation,

narrowing the second search space into a third search space based on the comparison of the extracted second biometric identifier of the user in the at least one second operation, and

providing the user access to financial account information unique thereto only when the third search space solely includes the user providing the biometric identification data and the numeric data.

16. The ATM of claim 15, wherein the numeric data received from the user is at least one of:

a zip code of the user and a pin code of the user.

17. The ATM of claim 15, the memory store further instructions that, when executed, cause the processor to perform the step of:

receiving at least one of;

fingerprint data, iris data and facial scan data of the user as the biometric identification data thereof.

18. The ATM of claim 17, wherein

the extracted partial biometric identifier with respect to the facial scan data is a set of dimensions of the face of the user, and

the extracted second biometric identifier with respect to the facial scan data is a set of distances from predetermined reference points to a center point on the face of the user.

19. The ATM of claim 18, wherein:

the extracted partial biometric identifier with respect to the fingerprint data is at least one of;

an arch, a loop and a whorl of the fingerprint, and the extracted second biometric identifier with respect to the fingerprint data is at least one of;

a pattern and a minutia feature of the fingerprint.

20. The ATM of claim 18, wherein:

the extracted partial biometric identifier with respect to the iris data is a chromatic pattern of a stroma of the iris, and

the extracted second biometric identifier with respect to the iris data is a chromatic pattern of an epithelial layer of the iris.