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

• US 9,251,514 B2
• Filed: 10/16/2013
• Issued: 02/02/2016
• 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:
  US14/055,028
• Publication Number:
  US 20140229380A1
• Time in Patent Office: 839 Days
• Field of Search: None
• US Class Current: 1/1
• 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 a first historical biometric information from a first one of the plurality of independent sources;

comparing, by the centralized computer, an age of the first historical biometric information to a predetermined age threshold;

identifying, by the centralized computer, the first historical biometric information as first trusted biometric information when the age of the first historical biometric information is greater than or equal to the predetermined age threshold;

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 trusted biometric information;

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

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

2. The method of claim 1, wherein the first and second 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 historical biometric information is identified as first trusted biometric information when

the age of the first historical biometric information is greater than or equal to the predetermined age threshold; and

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

4. The method of claim 1, further comprising:

receiving, by the centralized computer, an indication whether the relationship with the first person has been maintained in good standing for a predetermined period of time,

wherein the first historical biometric information is identified as first trusted biometric information when

the age of the first historical biometric information is greater than or equal to the predetermined age threshold; and

the relationship with the first person has been maintained in good standing for a predetermined period of time.

5. 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.

6. The method of claim 5, 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 first historical biometric information as first trusted biometric information.

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

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

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

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

10. 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;

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.

11. A method, comprising:

determining, by the centralized computer, whether historical biometric information is available for a first person, wherein when the historical biometric information is not available for the first person the method comprises

receiving, by a centralized computer, a request to authenticate a person, wherein the request is received from an application executing on a device in possession of the person and the request includes first biometric information captured from the person and payment credentials for the first person;

attempting, by the centralized computer, to authorize payment using the payment credentials; and

authenticating, by the centralized computer, the person as the first person when the payment is authorized based on the payment credentials.

12. The method of claim 11, further comprising:

flagging the first biometric information as untrusted and adding the first biometric information to a blacklist when the payment is not authorized based on the payment credentials.

13. The method of claim 11, further comprising:

comparing the first biometric information with biometric information of known fraudsters, wherein the person is not authenticated when the first biometric information matches biometric information of one of the known fraudsters.

14. The method of claim 11, wherein the method further comprises:

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

soliciting, by the centralized computer from a person answering the contact, answers to questions that are generated using the personal information for the first person,

wherein the person is authenticated as the first person when the payment is authorized based on the payment credentials and the answers provided by the person answering the contact match the personal information for the first person.

15. The method of claim 14, wherein the solicitation and collection of the answers is fully automated.

16. The method of claim 11, wherein when the payment is not authorized based on the payment credentials, the method further comprises:

selecting, by the centralized computer, a dynamic search group of individuals having an association with the first person;

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

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

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

17. The method of claim 11, wherein the payment credentials are for at least two accounts associated with the first person.

18. The method of claim 11, wherein the first biometric information is stored as trusted biometric information based at least one authorization of the payment based on the payment credentials.