Multi-Channel Multi-Factor Authentication
AssigneeVeritrix, Inc.
InventorPaul Headley
Life of this patent
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Abstract
Systems and methods for authenticating electronic transactions are provided. The authentication methods employ a combination of security features and communication channels. These security features can be based, for example, on unique knowledge of the person being authenticated, a unique thing that the person has, unique personal features and attributes of the person, the ability of the person to respond, and to do so in a fashion that a machine cannot, and so forth. Methods for enrolling the person prior to authentication are also provided, as well as systems for enrollment and authentication.
Claims7
A method for authentication consisting of:
- a claimant submitting a unique identifier over a first channel;
- the claimant receiving a prompt on a device;
- and
- the claimant submitting a biometric response to the prompt by speaking within the field of view of a camera, where one of the two steps of receiving the prompt and submitting the biometric response is performed over a second channel.
A computing system comprising:
- a screen;
- a video camera having a field of view, disposed proximate to the screen, and configured such that a person viewing the screen will be within the field of view;
- and
- logic configured to
- communicate over a secure channel with an authentication system,
- receive a video signal from the video camera and generate therefrom a first video stream that is encrypted and a second video stream that is not encrypted,
- render the second video stream to the screen, and
- transmit the first video stream over the channel to the authentication system.
Dependencies are inferred from the claim text.