PRO-ACTIVE IDENTITY VERIFICATION FOR AUTHENTICATION OF TRANSACTION INITIATED VIA NON-VOICE CHANNEL

• US 20140279514A1
• Filed: 03/14/2013
• Published: 09/18/2014
• Est. Priority Date: 03/14/2013
• Status: Active Grant

• Current Assignee: Microsoft Technology Licensing LLC (Microsoft Corporation)
• Original Assignee: Nuance Communications, Inc. (Microsoft Corporation)
• Inventors: Sharp, Robert Douglas
• Granted Patent: US 10,380,591 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/42 using separate channels for security data
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04L 2463/082 applying multi-factor authentication cryptographic mechanisms or cryptographic arrangements including means for verifying the identity or authority of a user of the system or for message authentication H04L9/32
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• 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

A method of using biometric verification comprises identifying a validation requirement during the execution of a non-voice channel interaction, and initiating a contact to the user, at a pre-registered device. The method further comprises executing a biometric verification of the user'"'"'s identity and possession of the device, via a user interaction at the pre-registered device, and providing the validation when the user is successfully identified.

Claims

1. A method of using biometrics based verification comprising:

identifying a validation requirement during a non-voice channel interaction;

initiating contact with the user, at a pre-registered device;

executing a biometrics based verification of the user'"'"'s identity and possession of the pre-registered device, via a user interaction at the pre-registered device; and

providing the validation as required when the user is successfully identified.

2. The method of claim 1, wherein initiating the contact comprises calling the user at a telephone number associated with the pre-registered device.

3. The method of claim 1, wherein initiating the contact comprises alerting a mobile application residing on the pre-registered device to initiate the contact.

4. The method of claim 1, wherein the non-voice channel interaction comprises one of:

a web interaction, an instant messaging interaction, a texting interaction, an interaction via a terminal, a payment interaction, or an interaction at a kiosk.

5. The method of claim 1, wherein the biometric verification comprises one or more of:

a text dependent biometric validation, a text-independent biometric validation, and a liveness test.

6. The method of claim 1, further comprising:

enabling registration for the biometric verification program by one of;

a telephone number associated with the pre-registered device, downloading of an application to the pre-registered device.

7. The method of claim 6, wherein the registration is completed using the pre-registered device, by registering the user'"'"'s voice print via the pre-registered device.

8. A biometric authentication system comprising:

a validation requirement identifier to identify a validation requirement during a non-voice channel interaction;

contact system to initiate contact with the user, at a pre-registered device;

a biometric system to perform a biometric verification of the user'"'"'s identity and possession of the pre-registered device, via a user interaction at the pre-registered device; and

a decisioning system to provide the validation for the validation requirement when the user is successfully identified.

9. The biometric authentication system of claim 8, further comprising:

a calling system to initiate contact by calling the user at a telephone number associated with the pre-registered device.

10. The biometric authentication system of claim 8, further comprising:

a mobile application push notification system to initiate contact by alerting a mobile application residing on the pre-registered device to initiate the contact.

11. The biometric authentication system of claim 8, wherein the non-voice channel interaction comprises a web interaction, an instant messaging interaction, a texting interaction, an interaction via a terminal, a payment interaction, and an interaction at a kiosk.

12. The biometric authentication system of claim 8, wherein the biometric verification comprises one or more of:

a text dependent biometric validation, a text-independent biometric validation, and a liveness test.

13. The biometric authentication system of claim 8, further comprising:

an enrollment system enabling registration for the biometric verification program by one of;

a telephone number associated with the pre-registered device, downloading of an application to the pre-registered device.

14. The biometric authentication system of claim 13, wherein the registration is completed using the pre-registered device, by registering the user'"'"'s voice print via the pre-registered device.

15. A system comprising:

a non-voice channel to initiate a transaction with the user;

a biometric authentication system to determine that validation is needed to complete the transaction, the biometric authentication system comprising;

contact system to initiate contact with the user, at a pre-registered device;

a biometric system to perform a biometric verification of the user'"'"'s identity and possession of the pre-registered device, via a user interaction at the pre-registered device; and

a decisioning system to provide the validation for the validation requirement when the user is successfully identified; and

the non-voice channel to complete the transaction when the decision system indicates that the user is successfully identified.

16. The system of claim 15, further comprising:

a calling system to initiate contact by calling the user at a telephone number associated with the pre-registered device.

17. The system of claim 15, further comprising:

a mobile application push notification system to initiate contact by alerting a mobile application residing on the pre-registered device to initiate the contact.

18. The system of claim 15, wherein the non-voice channel comprises one of:

a web interaction, an instant messaging interaction, a texting interaction, an interaction via a terminal, a payment interaction, and an interaction at a kiosk.

19. The system of claim 15, further comprising:

an enrollment system to enable registration of the user into the biometric authentication system, wherein the registration is completed using the pre-registered device, by registering the user'"'"'s voice print via the pre-registered device.