Systems and methods for high fidelity multi-modal out-of-band biometric authentication through vector-based multi-profile storage

1. A method for automatically generating a biometric profile having a plurality of clusters for a user, comprising:

at least one computer processor accessing stored biometric data for a user;

the at least one computer processor grouping the stored biometric data related to a biometric characteristic into a plurality of clusters using nearest neighbor-based clustering, the stored biometric data within each cluster having a statistically significant correlation level;

the at least one computer processor checking the stored biometric data within each cluster for consistency; and

the at least one computer processor generating a biometric profile comprising the plurality of clusters for the user.

2. The method of claim 1 , wherein each of the clusters comprises biometric data has a common feature.

3. The method of claim 1 , wherein each cluster is associated with at least one biometric algorithm.

4. The method of claim 1 , wherein each cluster is associated with an upper threshold and a lower threshold.

5. The method of claim 1 , wherein the stored biometric data is checked for consistency within each cluster.

6. The method of claim 5 , wherein the stored biometric data is checked for consistency with at least other biometric data points within a predetermined threshold.

7. The method of claim 1 , wherein the stored biometric data is checked for consistency within a predetermined threshold that is based on a security level.

8. The method of claim 1 , wherein the stored biometric data is checked for consistency within the profile.

9. The method of claim 1 , wherein the stored biometric data is checked for consistency across a plurality of profiles for the user.

10. The method of claim 1 , wherein each cluster is associated with a modality.

11. The method of claim 1 , wherein each cluster is associated with a channel.

12. The method of claim 1 , wherein each cluster is associated with a use case.

13. The method of claim 1 , wherein the stored biometric data is checked for global consistency.

14. The method of claim 1 , wherein a security interrupt/flag is raised if an inconsistency is identified.

15. The method of claim 1 , further comprising:

the at least one computer processor acquiring new biometric data for the user;

the at least one computer processor using nearest neighbor-based clustering to identify one of the clusters to store the new biometric data in; and

the at least one computer processor generating an updated biometric profile comprising the plurality of clusters based on the new biometric data.

16. The method of claim 1 , further comprising:

the at least one computer processor acquiring new biometric data for the user;

the at least one computer processor using nearest neighbor-based clustering to determine that a new cluster is needed for the new biometric data;

the at least one computer processor storing the new biometric data in the new cluster; and

the at least one computer processor generating an updated biometric profile comprising the plurality of clusters and the new cluster.

17. The method of claim 1 , further comprising:

receiving the biometric data during at least one authentication attempt.

18. A method for generating a biometric profile for a user, comprising:

receiving data from a user, the data comprising biometric data for the user and device specifications for an electronic device;

at least one computer processor normalizing the received biometric data for the user based on the device specifications;

the at least one computer processor retrieving a profile for the user, the profile comprising a plurality of clusters related to a biometric characteristic, each cluster storing biometric data that has a statistically significant correlation level;

the at least one computer processor using nearest neighbor-based clustering to identify one of the clusters with stored biometric data that is consistent with the normalized biometric data; and

the at least one computer processor updating the identified cluster based on the normalized biometric data.

19. The method of claim 18 , wherein the received biometric data is at least one of a voice biometric, an image biometric, a device specification, and a use case.

20. The method of claim 18 , wherein the step of identifying one of the clusters with stored biometric data that is consistent with the normalized biometric data comprises:

comparing the normalized biometric data and the stored biometric data in the identified cluster to a predetermined threshold.

21. The method of claim 20 , wherein the predetermined threshold is based on at least one of a transaction risk and a user status.

22. The method of claim 18 , further comprising:

the at least one computer processor determining that the data is inconsistent with the profile;

the at least one computer processor creating a new profile comprising the received normalized biometric data.