Systems and Methods for Identifying Biometric Information as Trusted and Authenticating Persons Using Trusted Biometric Information
OwnerDaniel DUNCANinventor
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Abstract
Systems and methods of identifying biometric information as trusted and authenticating persons using trusted biometric information are provided. Biometric information can be identified as trusted by comparing it to other biometric information and/or based on the age of the biometric information and/or receiving correct answers to questions based on personal information. Once biometric information has been identified as trusted it can be used as part of an authentication process by receiving biometric information from a person to be authenticated and comparing the received biometric information with the trusted biometric information.
Claims29
A method, comprising:
- comparing, by a centralized computer, first and second historical biometric information for a first person;
- determining, by the centralized computer, a first similarity measure based on the comparison of the first and second historical biometric information;
- identifying, by the centralized computer, the first and second historical biometric information as trusted first and second biometric information when the first similarity measure is greater than or equal to a first similarity measure threshold;
- attempting, by the centralized computer, to authenticate a person;
- selecting, by the centralized computer, information from the group comprising transaction data, the stored first and second biometric information, and non-biometric for the person to be authenticated;
- calculating, by the centralized computer using a predictive model, a high-risk transaction probability using the selected information;
- and
- comparing, by the centralized computer, the calculated high-risk transaction probability to a risk threshold, wherein when the high-risk transaction probability is greater than the risk threshold the request to authenticate is further evaluated to identify potential fraud.
A method, comprising:
- receiving, by a centralized computer, personal information for a first person from a plurality of independent sources, wherein the personal information for the first person includes first historical biometric information from a first one of the plurality of independent sources;
- receiving, by the centralized computer, a request to authenticate a person, wherein the request to authenticate includes second biometric information;
- comparing, by the centralized computer, the second biometric information with the first historical biometric information;
- determining, by the centralized computer, a similarity measure based on the comparison of the second biometric information with the first historical biometric information;
- selecting, by the centralized computer, information from the group comprising transaction data, the stored first historical biometric information, the received second biometric information, the determined similarity measure, and non-biometric for the person to be authenticated;
- calculating, by the centralized computer using a predictive model, a high-risk transaction probability using the selected information;
- and
- comparing, by the centralized computer, the calculated high-risk transaction probability to a risk threshold, wherein when the high-risk transaction probability is greater than the risk threshold the request to authenticate is further evaluated to identify potential fraud.
Dependencies are inferred from the claim text.