IP Library Granted Patent US 10,303,964
Granted Patent B1
US 10,303,964 · App. 15/630,419 · Granted May 28, 2019

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

Inventors: Eren Kursun (New York, NY); Gene Fernandez (Holmdel, NJ); Alex Berson (Dayton, NJ); Brian Goodman (Redding, CT)
Assignee: JPMorgan Chase Bank, N.A.
G06K9/00926
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Quick Facts
Patent No.
US 10,303,964
App. No.
15/630,419
Granted
May 28, 2019
Kind
B1
Abstract

A method for generating multiple biometric profiles for a user is disclosed. According to one embodiment, the method may include (1) receiving data from a user, the data comprising biometric data for a user and device specifications for the electronic device; (2) at least one computer processor retrieving at least one existing user profile; (3) the at least one computer processor determining whether the data is consistent with at least one of the existing profiles; and (4) the at least one computer processor updating at least one existing profile if the data is consistent with the existing profile.

Claims (23)

1. A method for authenticating a user, comprising:

receiving, from an electronic device, authentication data, the authentication data comprising user biometric data;

at least one computer processor comparing the authentication data to a plurality of existing user profiles;

the at least one computer processor selecting an algorithm and at least one authentication threshold for each of the plurality of existing profiles;

the at least one computer processor calculating a confidence score using the selected algorithm for each comparison with each of the plurality of existing profiles;

the at least one computer processor comparing each confidence score to the selected authentication threshold for each of the plurality of existing profiles; and

calculating a combined metric for the plurality of confidence scores.

2. The method of claim 1 , further comprising:

the at least one computer processor applying a spoofing risk factor to each confidence score.

3. The method of claim 1 , further comprising:

the at least one computer processor accessing a look up table to locate complementary biometric markers for spoof prevention.

4. The method of claim 1 , further comprising:

acquiring at least one complementary biometric marker from the user.

5. The method of claim 4 , wherein the at least one complementary biometric marker is acquired iteratively.

6. The method of claim 5 , wherein the number of iterations is based on a security level.

7. The method of claim 1 , further comprising:

the at least one computer processor performing at least one consistency check for each comparison with each of the plurality of existing profiles.

8. The method of claim 1 , wherein the authentication data further comprises electronic device data.

9. The method of claim 8 , wherein the electronic device data comprises at least one of a type of electronic device, at least one specification for the electronic device, and a device identifier.

10. The method of claim 1 , wherein the authentication data further comprises environmental data.

11. The method of claim 10 , wherein the environmental data comprises at least one of location data, lighting data, and noise data.

12. The method of claim 1 , wherein the plurality of existing profiles are based on a user location.

13. The method of claim 1 , wherein the algorithm and the authentication threshold are selected based on at least one of a type of profile, a type of the electronic device, and an environmental factor.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 22, 2017
From: KURSUN, EREN; FERNANDEZ, GENE; BERSON, ALEX; GOODMAN, BRIAN
To: JPMORGAN CHASE BANK, N.A.
Reel/Frame 042789/0186 →
Continuity (5)
Division 13940799 · Jul 12, 2013
Continuation In Part 13908618 · Jun 3, 2013
Provisional Application 61844097 · Jul 9, 2013
Provisional Application 61820917 · May 8, 2013
Provisional Application 61823669 · May 15, 2013