Back to results
US 11,775,971 B1Granted
Biometric authentication on push notification
AssigneeUnited Services Automobile Association (USAA)
InventorRyan Fillinger
Life of this patent
Estimating the term…
Abstract
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for transmitting push notification data to a computing device, the push notification data being processable by the computing device to display a push notification, receiving biometric data, the biometric data being provided from user input responsive to the push notification, determining that a user providing the user input is authenticated at least partially based on the biometric data, and inducing execution of a transaction in response to determining that the user is authenticated.
Claims20
A computer-implemented method executed by at least one processor, the method comprising:
- transmitting, by the at least one processor in response to initiation of a transaction, push notification data to a computing device while a mobile application of a financial service on the computing device is not open, wherein:
- the mobile application is configured to receive user authorization to authorize the transaction while the mobile application is open;
- the push notification data is configured to cause the computing device to display a push notification on an electronic display of the computing device;
- and
- the push notification, when displayed on the electronic display, comprises a user interface (UI) element configured to receive an input associated with an approval of the transaction without opening the mobile application;
- receiving, by the at least one processor, the input via the UI element, wherein the input is received via a user interaction with the push notification on the computing device and without opening the mobile application on the computing device;
- receiving, by the at least one processor, biometric data in response to receiving the input;
- receiving, by the at least one processor, additional biometric data;
- determining, by the at least one processor, a first score associated with a first similarity between the biometric data and first ground truth biometric data associated with a person;
- determining, by the at least one processor, a second score associated with a second similarity between the additional biometric data and second ground truth biometric data associated with the person;
- combining, by the at least one processor, the first score and the second score to determine a combined score;
- determining, by the at least one processor, that a user providing the input is authenticated in response to the combined score exceeding a threshold;
- inducing, by the at least one processor, execution of the transaction in response to determining that the user is authenticated;
- and
- transmitting, by the at least one processor, a notification of the transaction being executed to the computing device.
12 more elements
A system comprising:
- a data store for storing data;
- and
- at least one processor configured to:
- interact with the data store;
- and
- execute computer-readable instructions to perform operations comprising:
- transmitting, in response to initiation of a transaction, push notification data to a computing device while a mobile application of a financial service on the computing device is not open, wherein:
- the mobile application is configured to receive user authorization to authorize the transaction while the mobile application is open;
- the push notification data is configured to cause the computing device to display a push notification on an electronic display of the computing device;
- and
- when displayed on the electronic display, the push notification comprises a user interface (UI) element configured to receive an input associated with an approval of the transaction without opening the mobile application;
- receiving the input via the UI element, wherein the input is received via a user interaction with the push notification on the computing device and without opening the mobile application on the computing device;
- receiving biometric data from the computing device in response to receiving the input;
- receiving additional biometric data;
- determining a first score associated with a first similarity between the biometric data and first ground truth biometric data associated with a person;
- determining a second score associated with a second similarity between the additional biometric data and second ground truth biometric data associated with the person;
- combining the first score and the second score to determine a combined score;
- determining that a user providing the input is authenticated at least partially based on the in response to the combined score exceeding a threshold combined score exceeding a threshold;
- inducing execution of the transaction in response to determining that the user is authenticated;
- and
- transmitting a notification to the computing device indicative of the transaction being executed.
18 more elements
A non-transitory computer-readable storage medium coupled to one or more processors and having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
- transmitting, in response to initiation of a transaction, push notification data to a computing device while a mobile application of a financial service on the computing device is not open, wherein:
- the mobile application is configured to receive user authorization to authorize the transaction while the mobile application is open;
- the push notification data is configured to cause by the computing device to display a push notification on an electronic display of the computing device;
- and
- when displayed on the electronic display, the push notification comprises a user interface (UI) element configured to receive an input associated with an approval of the transaction without opening the mobile application;
- receiving the input via the UI element, wherein the input is received via a user interaction with the push notification on the computing device and without opening the mobile application on the computing device;
- receiving biometric data from the computing device in response to receiving the input;
- receiving additional biometric data;
- determining a first score associated with a first similarity between the biometric data and first ground truth biometric data associated with a person;
- determining a second score associated with a second similarity between the additional biometric data and second ground truth biometric data associated with the person;
- combining the first score and the second score to determine a combined score;
- determining that a user providing the input is authenticated in response to the combined score exceeding a threshold;
- inducing execution of the transaction in response to determining that the user is authenticated;
- and
- transmitting a notification indicative of the transaction being executed to the computing device.
12 more elements
Dependencies are inferred from the claim text.