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US 10,380,591 B2Granted
Pro-active identity verification for authentication of transaction initiated via non-voice channel
AssigneeNuance Communications, Inc.
InventorRobert Douglas Sharp
Life of this patent
Estimating the term…
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.
Claims19
A method of authenticating a request by initiating biometric based verification, the method comprising:
- at least one processor operatively coupled to computer memory, the at least one processor executing:
- registering a user for biometric based verification, the registering including:
- pre-registering a device of the user and a mobile application configured on the device to utilize biometric based verification;
- collecting biometric data from the user;
- determining whether the collected biometric data contains a biometric pattern that enables identifying the user, and, if not, recollecting biometric data from the user;
- and
- automatically configuring one or more user-defined triggers of the mobile application, stored in the computer memory, the one or more user-defined triggers configured to initiate the biometric based verification in response to a respective request of the user;
- tracking interaction by the user on a non-voice channel, the tracking identifying a request by the user that matches a trigger of the configured one or more user-defined triggers stored in the computer memory;
- triggering, based on the matched trigger, contact with the biometric based verification via the mobile application configured at the pre-registered device, the triggering sending a mobile application push notification alerting the mobile application configured at the pre-registered device to initiate a voice biometric based verification dialog with the user, the triggering initiating the contact with the biometric based verification to validate the user's identity for a transaction initiated on the non-voice channel, the voice biometric based verification dialog being performed by the mobile application interacting with the user using a form of biometric identification, the biometric based verification:
- (i) matching biometric data provided during the initiated contact to the collected biometric pattern and (ii) determining possession of the pre-registered device, via the user contact at the pre-registered device;
- and
- performing the tracked request by the user, in an event the user is successfully identified.
9 more elements
A biometric authentication system comprising:
- at least one processor operatively coupled to computer memory, the at least one processor configured to include:
- an enrollment system configured to register a user for biometric based verification, the enrollment system configured to pre-register a device of the user and a mobile application configured on the device to utilize biometric based verification, collect biometric data from the user, determine whether the collected biometric data contains a biometric pattern that enables identifying the user, and, if not, recollect biometric data from the user, and configure one or more user-defined triggers of the mobile application, stored in the computer memory, the one or more user-defined triggers configured to initiate the biometric based verification in response to a respective request of the user;
- a validation requirement identifier configured to track interaction by the user on a non-voice channel, the tracking identifying a request by the user that matches a trigger of the configured one or more user-defined triggers stored in the computer memory;
- a contact system configured to, based on the matched trigger, trigger contact with the biometric based verification via the mobile application configured at the pre-registered device, the contact system further configured to push a notification triggering the contact with the biometric based verification by alerting the mobile application configured at the pre-registered device to initiate a voice biometric based verification dialog with the user;
- a biometric system configured to perform the biometric based verification of the user's identity for a transaction initiated on the non-voice channel, the voice biometric based verification dialog being performed by the mobile application interacting with the user using a form of biometric identification, the biometric based verification:
- (i) matching biometric data provided during the initiated contact to the collected biometric pattern and (ii) determining possession of the pre-registered device, via the user contact at the pre-registered device;
- and
- a decisioning system configured to validate performing the request by the user in an event the user is successfully identified.
5 more elements
A system comprising:
- at least one processor operatively coupled to computer memory, the at least one processor configured to include:
- an enrollment system configured to register a user for biometric based verification, the registering including pre-registering a device of the user and a mobile application configured on the device to utilize biometric based verification, collecting biometric data from the user, determining whether the collected biometric data contains a biometric pattern that enables identifying the user, and, if not, recollecting biometric data from the user, and configuring one or more user-defined triggers of the mobile application stored in the computer memory, the one or more user-defined triggers configured to initiate the biometric based verification in response to a respective transaction by the user;
- a non-voice channel configured to initiate a transaction with the user;
- a biometric authentication system configured to determine that the transaction with the user matches a trigger of the configured one or more user-defined triggers stored in the computer memory, the biometric authentication system comprising:
- a contact system configured to, based on the matched user-defined trigger, initiate contact with the biometric based verification via triggering the mobile application configured at the pre-registered device interacting with the user, the contact system further configured to push a notification triggering the contact with the biometric based verification by alerting the mobile application configured at the pre-registered device to initiate a voice biometric based verification dialog with the user;
- a biometric system configured to perform the biometric verification of the user's identity for a transaction initiated on a non-voice channel, the voice biometric based verification dialog being performed by the mobile application interacting with the user using a form of biometric identification, the biometric based verification:
- (i) matching biometric data provided during the initiated contact to the collected biometric pattern and (ii) determining possession of the pre-registered device, via the user contact at the pre-registered device;
- and
- a decisioning system configured to validate completing the transaction by the user in an event the user is successfully identified;
- and
- the non-voice channel configured to complete the transaction in an event the decision system indicates that the user is successfully identified.
8 more elements
Dependencies are inferred from the claim text.