Single-channel multi-factor authentication
AssigneeVeritrix, Inc.
InventorsPaul Headley, Kevin Collins
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Abstract
Systems and methods for authenticating electronic transactions are provided. The authentication methods employ a combination of security features. These security features can be based, for example, on unique knowledge of the person being authenticated, 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.
Claims23
A method for authenticating a user comprising:
- receiving a claimant target;
- retrieving an IP address associated with a user ID and establishing a communication channel using the IP address;
- sending a prompt over the communication channel, 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 a biometric response to the prompt over the communication channel;
- and
- determining a match between the biometric response and a biometric template associated with the prompt.
A method for authenticating a user comprising:
- receiving a claimant target;
- retrieving a phone number associated with a user ID and establishing a communication channel using the phone number;
- sending a prompt over the communication channel, 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 a biometric response to the prompt over the communication channel;
- and
- determining a match between the biometric response and a biometric template associated with the prompt.
Dependencies are inferred from the claim text.