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.
Claims19
A method for authenticating a user comprising:
- receiving a claimant target over a first channel;
- retrieving a device address associated with a user ID;
- sending a prompt over a second channel to a device associated with the device address, the prompt being one of a plurality of prompts, each of the plurality of prompts having a biometric template of the user associated therewith;
- receiving video in response to the prompt;
- extracting a biometric response from the video;
- and
- determining a match between the biometric response and a biometric template associated with the prompt that was sent over the second channel.
A method for authenticating a user comprising:
- receiving a claimant target over a first channel;
- retrieving a device address associated with a user ID;
- establishing a second channel to a device associated with the device address;
- sending a prompt to the user, the prompt being one of a plurality of prompts, each of the plurality of prompts having a biometric template of the user associated therewith;
- receiving video in response to the prompt;
- extracting a biometric response from the video;
- and
- determining a match between the biometric response and a biometric template associated with the prompt sent over the second channel.
An authentication system comprising authentication logic configured to authenticate a claimant by
- receiving a claimant target over a first channel;
- retrieving a device address associated with a user ID;
- sending a prompt from a plurality of prompts to a device associated with the device address over a second channel;
- receiving video in response to the prompt;
- extracting, with a microprocessor, a biometric response from the video;
- and
- determining a match between the biometric response and a biometric template associated with the prompt.
Dependencies are inferred from the claim text.