Authorization of a financial transaction

Patent metadata

Field	Value
Publication number	US-2016014121-A1
Application number	US-201514863936-A
Country	US
Kind code	A1
Filing date	Sep 24, 2015
Priority date	Oct 8, 2013
Publication date	Jan 14, 2016
Grant date	—

Abstract

An iris biometric recognition module includes technology for capturing images of an iris of an eye of a person, whether the person is moving or stationary. The iris biometric recognition technology can perform an iris matching procedure for, e.g., authentication or identity purposes, by comparing a digital iris image to a reference iris image and, if at least a portion of the digital and reference iris images match, authenticating a person as authorized to conduct a financial transaction.

First claim

The claimed invention is:

1 . A biometric access control device comprising:
a camera having a field of view; an illuminator device comprising one or more illuminators that emit light into the field of view; a client device enabled to authenticate a person to access a financial software and execute a financial transaction; an input device; memory storing program instructions; and a processor communicatively coupled to the illuminator device, the camera, the client device, the input device, and the memory, and further communicatively coupled to a database storing a reference iris image for a user validated to access the financial software, the processor executing the program instructions to:
receive an input signal from the input device;
determine that the input signal comprises a permission to scan an iris of a person in proximity to the client device;
align the camera with the iris of the person;
send a first control signal to the illuminator device, the first control signal activating a synchronous emission of light by the one or more illuminators at a pulse frequency above continuous wave eye safe limits;
send a second control signal to the camera, the second control signal activating a capture of a plurality of digital images by the camera, the capture being synchronous with the synchronous emission of light;
receive the plurality of digital images from the camera;
access the database and retrieve the reference iris image;
determine that a first digital image of the plurality of digital images matches the reference iris image;
authenticate the person as authorized to execute the financial transaction; and
execute the financial transaction.

2 . The biometric access control device of claim 1 , wherein the financial transaction is conducted via the financial software at an automated teller machine.

3 . The biometric access control device of claim 1 , wherein the processor executing the program instructions to.
determine that the first digital image of the plurality of digital images does not match the reference iris image; and deny the person access to the financial software on the client device.

4 . The biometric access control device of claim 1 , wherein the camera, the illuminator device, the input device, the memory and the processor are incorporated into the client device.

5 . The biometric access control device of claim 1 , wherein:
the illuminator device comprises at least one infrared illuminator; and the program instructions operate the illuminator device to illuminate the iris with a pulsing or strobe illumination operation above continuous wave eye safe limits.

6 . The biometric access control device of claim 1 , wherein the camera, the illuminator device, the client device, the input device, the memory and the processor are communicatively coupled, via wired or wireless internet connectivity, to a local, remote or cloud database.

7 . An iris biometric financial transaction authorization system comprising:
an iris biometric recognition module that authenticates a person for authorization of a financial transaction, the iris biometric recognition module comprising:
an iris imager device comprising a lens;
an illuminator device;
memory storing program instructions; and
one or more processors communicatively coupled to the iris imager device, the illuminator device, and the memory, the one or more processors executing the program instructions to:
align the lens of the iris imager device with an iris of the person;
operate the illuminator device to illuminate the iris;
operate the iris imager device to produce a digital image of the iris;
compare the digital image to a reference iris image; and
responsive to a determination that the digital image matches the reference iris image, authorize the financial transaction.

8 . The iris biometric financial transaction authorization system of claim 7 , wherein the financial transaction is authorized via a combination of the determination that the digital image matches the reference iris image and at least one additional authentication technique.

9 . The iris biometric financial transaction authorization system of claim 7 , wherein:
the illuminator device comprises at least one infrared illuminator; and the one or more processors executing the program instructions operates the illuminator device to illuminate the iris with a pulsing or strobe illumination operation above continuous wave eye safe limits.

10 . The iris biometric financial transaction authorization system of claim 7 , wherein the iris imager device, the illuminator device and the iris biometric recognition module are incorporated into a mobile device.

11 . The iris biometric financial transaction authorization system of claim 1 , wherein the iris biometric recognition module is communicatively coupled, via wired or wireless internet connectivity, to a local, remote or cloud database.

12 . The iris biometric financial transaction authorization system of claim 7 , wherein the one or more processors execute the program instructions terminate authorization for the financial transaction after a predetermined time period.

13 . The iris biometric financial transaction authorization system of claim 7 , wherein the financial transaction is conducted at an automated teller machine.

14 . A method comprising authenticating a person for authorization of a financial transaction via an iris biometric recognition module comprising program instructions stored in memory and causing one or more processors to execute the steps of:
aligning a lens of an iris imager device with the iris of the person; operating an illuminator device to illuminate the iris; operating the iris imager device to produce a digital image of the iris; comparing the digital image to a reference iris image; and responsive to a determination that the digital image matches the reference iris image, authorizing the financial transaction.

15 . The method of claim 14 , further comprising authorizing the financial transaction via a combination of wherein authenticating the person for authorization of the financial transaction via the determination that the digital image matches the reference iris image and at least one additional authentication technique.

16 . The method of claim 14 , wherein:
operating the illuminator device comprises operating an infrared illuminator; and operating the infrared illuminator comprises illuminating the iris with a pulsing or strobe illumination operation above continuous wave eye safe limits.

17 . The method of claim 14 , wherein authenticating the person to for authorization of the financial transaction via a mobile device incorporating the iris biometric recognition module is executed via the iris imager device, the illuminator device and the one or more processors.

18 . The method of claim 14 , further comprising accessing the reference iris image via wired or wireless internet connectivity, from a local, remote or cloud database.

19 . The method of claim 14 , further comprising terminating authorization of the financial transaction after a predetermined time period.

20 . The method of claim 14 , wherein the financial transaction is conducted at an automated teller machine.

Assignees

• Stanford Res Inst Int

Inventors

• Perna Steven N
• Clifton Mark A
• Kim Jongjin
• Varma Bobby S
• Piro Stephen J
• Mapen Barry E
• Richards Kevin P
• Ackerman David Alan
• Lanzillotto Ann-Marie
• Wade David J
• Davis Timothy J
• Fleisch Michael P
• Bhangley Jitendra J
• Van Sant Glen J

Classifications

• G06V40/19 Primary

  Sensors therefor · CPC title

• H04L63/0861 Primary

  using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231) · CPC title

• G07C9/37

  using biometric data, e.g. fingerprints, iris scans or voice recognition · CPC title

• G07C2209/02

  Access control comprising means for the enrolment of users · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title