US 11,310,230 B2Granted

System for electronic authentication with live user determination

AssigneeBank of America Corporation

InventorsMatthew Joseph Wallace, Kerry Michelle Cantley, Greg M. Correro, Jeantou Alphonse DeGrammont, Michael Lee Funk, Glenn Edward Hupfer, Murali Sampath, Donna Lynne Shannon

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Abstract

Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.

Claims19

Dependent claims

A system for authentication of a user using a live user determination, the system comprising:

one or more memory devices having computer readable code stored thereon;
and
one or more processing devices operatively coupled to the one or more memory devices, wherein the one or more processing devices are configured to execute the computer readable code to:
receive a verified identification image from a user application located on a user computer system of the user, wherein the verified identification image is received through the user computer system;
receive a liveness identification image from the user application, wherein the liveness identification image comprises at least an image of the user, and wherein the liveness identification image is received through the user computer system;
receive a verified identification image time stamp and a verified identification image location stamp for the verified identification image from the user computer system;
receive a liveness image time stamp and a liveness identification image location stamp from the user computer system;
and
determine the authentication of the user based on:
the verified identification image and the liveness identification image by:
capturing first user information from the verified identification image, wherein the verified identification image is a first image of the user from a government issued identification card;
capturing second user information from the liveness identification image, wherein the liveness identification image is a second image of the user captured using an image capture device of the user computer system;
wherein the first user information and the second user information are images of the user's face;
and
comparing the first user information and the second user information for the authentication of the user;
the verified identification image time stamp and the liveness image time stamp both occurring within a time period;
and
the verified identification image location stamp and the liveness identification image location stamp occurring within a location requirement.

15 more elements

A computer implemented method for authentication of a user using a live user determination, the method comprising:

receive, by one or more processors, a verified identification image from a user application located on a user computer system of the user, wherein the verified identification image is received through the user computer system;
receive, by the one or more processors, a liveness identification image from the user application, wherein the liveness identification image comprises at least an image of the user, and wherein the liveness identification image is received through the user computer system;
receive, by the one or more processors, a verified identification image time stamp and a verified identification image location stamp for the verified identification image;
receive, by the one or more processors, a liveness image time stamp and a liveness identification image location stamp;
and
determine, by the one or more processors, the authentication of the user based on:
the verified identification image and the liveness identification image by:
capturing first user information from the verified identification image, wherein the verified identification image is a first image of the user from a government issued identification card;
capturing second user information from the liveness identification image, wherein the liveness identification image is a second image of the user captured using an image capture device of the user computer system;
wherein the first user information and the second user information are images of the user's face;
and
comparing the first user information and the second user information for the authentication of the user;
the verified identification image time stamp and the liveness image time stamp both occurring within a time period;
and
the verified identification image location stamp and the liveness identification image location stamp occurring within a location requirement.

12 more elements

A computer program product for authentication of a user using a live user determination, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured to receive a verified identification image from a user application located on a user computer system of the user, wherein the verified identification image is received through the user computer system;
an executable portion configured to receive a liveness identification image from the user application, wherein the liveness identification image comprises at least an image of the user, and wherein the liveness identification image is received through the user computer system;
an executable portion configured to receive a verified identification image time stamp and a verified identification image location stamp for the verified identification image;
an executable portion configured to receive a liveness image time stamp and a liveness identification image location stamp;
and
an executable portion configured to determine the authentication of the user based on:
the verified identification image and the liveness identification image by:
capturing first user information from the verified identification image, wherein the verified identification image is a first image of the user from a government issued identification card;
capturing second user information from the liveness identification image, wherein the liveness identification image is a second image of the user captured using an image capture device of the user computer system;
wherein the first user information and the second user information are images of the user's face;
and
comparing the first user information and the second user information for the authentication of the user;
the verified identification image time stamp and the liveness image time stamp both occurring within a time period;
and
the verified identification image location stamp and the liveness identification image location stamp occurring within a location requirement.

12 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/773,630Filed 27 Jan 2020 · continuation
Priority: 17 May 2017
Published: US 2020/0162457 A121 May 2020
Granted: 19 Apr 2022
Term ends: Not estimatedThe source records don’t support an estimate.

Classification12 codes

H04L 63/0861
For authentication of entities: using biometrical features, e.g. fingerprint, retina-scan
G06F 21/316
User authentication: by observing the pattern of computer usage, e.g. typical user behaviour
G06F 21/32
User authentication: using biometric data, e.g. fingerprints, iris scans or voiceprints
G06V 40/45
Spoof detection, e.g. liveness detection: detection of the body part being alive

Family

Application15/598,074Parent of this continuation · filed 17 May 2017
US 2020/0162457 A1Pre-grant publication · published 21 May 2020
US 10,574,650 B2Parent of this continuation
US 2018/0337917 A1Published application
US 11,310,230 B2This patent

From the US filing history. Foreign family members aren’t listed.

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