Identity verification using autonomous vehicles

• US 10,489,575 B1
• Filed: 03/07/2019
• Issued: 11/26/2019
• Est. Priority Date: 11/06/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Mossoba, Michael, Benkreira, Abdelkader M'Hamed, Edwards, Joshua
• Primary Examiner(s): Lemma, Samson B
• Application Number:
  US16/295,293
• Time in Patent Office: 264 Days
• Field of Search: 726 7
• CPC Class Codes: G05D 1/0088 characterized by the autonomous decision making process, e.g. artificial intelligence, predefined behaviours using knowledge based models G06N5/00
• CPC Class Codes: G05D 1/0094 involving pointing a payload, e.g. camera, weapon, sensor, towards a fixed or moving target
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 21/44 Program or device authentication
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Various embodiments are generally directed to identity verification using autonomous vehicles. A security policy may be used to determine when identity verification using autonomous vehicles is required. The autonomous vehicle may be deployed to a location to verify the identity of the user based on one or more of images, audio data, biometric data, and wireless data connections.

Claims

1. A method, comprising:

determining, based on an analysis of authentication credentials received for an account, that the authentication credentials are not valid to access the account;

locking the account based on a number of invalid attempts to access the account exceeding a threshold specified in a security policy;

transmitting, to an autonomous vehicle, an indication of an address associated with the account and at least one verification action required to unlock the account;

transmitting, to a device associated with the account, an indication of the at least one verification action required to unlock the account;

receiving an indication from the autonomous vehicle specifying that an analysis of a first image captured proximate to the address depicts a user associated with the account proximate to a building associated with the address;

receiving an indication from the autonomous vehicle specifying that the at least one verification action has been completed based on the analysis of the first image; and

unlocking the account based on the indications received from the autonomous vehicle specifying that the user is proximate to the building and that the at least one verification action has been performed.

2. The method of claim 1, wherein the indication received from the autonomous vehicle specifying that the at least one verification action has been completed is further based on at least one of:

a second image, received speech data, received biometric data, and pairing the device to the autonomous vehicle.

3. The method of claim 2, further comprising:

determining the device is associated with the account based on a media access control (MAC) address of the device; and

outputting, on the device associated with the account, a real-time map specifying a location of the autonomous vehicle.

4. The method of claim 1, wherein the autonomous vehicle comprises one or more of:

(i) an unmanned aerial vehicle, (ii) a robot, and (iii) an autonomous car, wherein the at least one verification action comprises a first verification action, the method further comprising;

determining an amount of time the address has been specified as a billing address for the account, wherein the at least one verification action further comprises a second verification action upon determining the amount of time the address has been specified as the billing address does not exceed a time threshold.

5. The method of claim 1, wherein the account is further locked based on a requested operation to be performed on the account, wherein the requested operation comprises one or more of:

(i) changing the address associated with the account, (ii) requesting an increase in a line of credit, (iii) reporting an increase in an income associated with the account, (iv) making a purchase.

6. The method of claim 1, further comprising:

transmitting, to the device associated with the account, an indication that the autonomous vehicle is proximate to the address; and

receiving user input from the device associated with the account specifying that the autonomous vehicle arrived at the address prior to unlocking the account.

7. The method of claim 1, wherein the at least one verification action comprises one or more of:

(i) a gesture, (ii) a speech, (iii) a biometric identifier, (iv) pairing the device associated with the account to the autonomous vehicle via a wireless data connection, and (v) holding a card associated with the account, wherein the biometric identifier comprises one or more of;

(i) a fingerprint, (ii) an iris scan, and (iii) a face, the method further comprising, prior to transmitting the indication of the address and the at least one verification action required to unlock the account to the autonomous vehicle;

receiving, from the device associated with the account, valid input responsive to a security challenge associated with the account.

8. A non-transitory computer-readable storage medium storing instructions that when executed by a processor, cause the processor to:

determine, based on an analysis of authentication credentials received for an account, that the authentication credentials are not valid to access the account;

lock the account based on a number of invalid attempts to access the account exceeding a threshold specified in a security policy;

transmit, to an autonomous vehicle, an indication of an address associated with the account and at least one verification action required to unlock the account;

transmit, to a device associated with the account, an indication of the at least one verification action required to unlock the account;

receive an indication from the autonomous vehicle specifying that an analysis of a first image captured proximate to the address depicts a user associated with the account proximate to a building associated with the address;

receive an indication from the autonomous vehicle specifying that the at least one verification action has been completed based on the analysis of the first image; and

unlock the account based on the indications received from the autonomous vehicle specifying that the user is proximate to the building and that the at least one verification action has been performed.

9. The non-transitory computer-readable storage medium of claim 8, wherein the indication received from the autonomous vehicle specifying that the at least one verification action has been completed is further based on at least one of:

a second image, received speech data, received biometric data, and pairing the device to the autonomous vehicle.

10. The non-transitory computer-readable storage medium of claim 9, wherein the at least one verification action comprises one or more of:

(i) a gesture, (ii) a speech, (iii) a biometric identifier, (iv) pairing the device associated with the account to the autonomous vehicle via a wireless data connection, and (v) holding a card associated with the account, wherein the biometric identifier comprises one or more of;

(i) a fingerprint, (ii) an iris scan, and (iii) a face, the computer-readable storage medium further comprising instructions executable by the processor to cause the processor to, prior to transmitting the indication of the address and the at least one verification action required to unlock the account to the autonomous vehicle;

receive, from the device associated with the account, valid input responsive to a security challenge associated with the account.

11. The non-transitory computer-readable storage medium of claim 9, further comprising instructions executable by the processor to cause the processor to:

determine the device is associated with the account based on a media access control (MAC) address of the device; and

output, on the device associated with the account, a real-time map specifying a location of the autonomous vehicle.

12. The non-transitory computer-readable storage medium of claim 8, wherein the account is further locked based on a requested operation to be performed on the account, wherein the requested operation comprises one or more of:

(i) changing the address associated with the account, (ii) requesting an increase in a line of credit, (iii) reporting an increase in an income associated with the account, (iv) making a purchase.

13. The non-transitory computer-readable storage medium of claim 8, wherein the autonomous vehicle comprises one or more of:

(i) an unmanned aerial vehicle, (ii) a robot, and (iii) an autonomous car, wherein the at least one verification action comprises a first verification action, the computer-readable storage medium further comprising instructions executable by the processor to cause the processor to;

determine an amount of time the address has been specified as a billing address for the account, wherein the at least one verification action further comprises a second verification action upon determining the amount of time the address has been specified as the billing address does not exceed a time threshold.

14. The non-transitory computer-readable storage medium of claim 8, further comprising instructions executable by the processor to cause the processor to:

transmit, to the device associated with the account, an indication that the autonomous vehicle is proximate to the address; and

receive user input from the device associated with the account specifying that the autonomous vehicle arrived at the address prior to unlocking the account.

15. An autonomous vehicle, comprising:

a processor circuit;

a camera; and

a memory storing instructions which when executed by the processor circuit cause the processor circuit to;

receive an indication that an account has been locked based on a number of invalid attempts to access the account exceeding a threshold specified in a security policy;

determine an address associated with the account and at least one verification action required to unlock the account;

transmit, to a device associated with the account, an indication of the at least one verification action required to unlock the account;

cause the camera to capture a first image of a user associated with the account proximate to a building associated with the address;

determine, based on an analysis of the first image, that the user is depicted in the first image and that the user has performed the at least one verification action; and

cause the account to be unlocked based on the indications received from the autonomous vehicle specifying that the user is proximate to the building and that the at least one verification action has been performed.

16. The autonomous vehicle of claim 15, wherein the autonomous vehicle determines that the at least one verification action has been completed based on at least one of:

a second image, received speech data, received biometric data, and pairing the device to the autonomous vehicle.

17. The autonomous vehicle of claim 16, wherein the at least one verification action comprises one or more of:

(i) a gesture, (ii) a speech, (iii) a biometric identifier, (iv) pairing the device to the autonomous vehicle via a wireless data connection, and (v) holding a card associated with the account, wherein the biometric identifier comprises one or more of;

(i) a fingerprint, (ii) an iris scan, and (iii) a face.

18. The autonomous vehicle of claim 17, the memory storing instructions which when executed by the processor circuit cause the processor circuit to:

establish the wireless data connection with the device;

receive the speech via a microphone; and

capture, via one or more biometric interfaces, biometric data of the user.

19. The autonomous vehicle of claim 18, the memory storing instructions which when executed by the processor circuit cause the processor circuit to:

compare the received speech to a known speech of the user;

receive data identifying the user via the wireless data connection; and

compare the received biometric data to known biometric data of the user.

20. The autonomous vehicle of claim 15, wherein the autonomous vehicle comprises one or more of:

(i) an unmanned aerial vehicle, (ii) a robot, and (iii) an autonomous car, wherein the at least one verification action comprises a first verification action, the memory storing instructions which when executed by the processor circuit cause the processor circuit to;

determine an amount of time the address has been specified as a billing address for the account, wherein the at least one verification action further comprises a second verification action upon determining the amount of time the address has been specified as the billing address does not exceed a time threshold; and

transmit an indication to unlock the account to a server.