User Authentication and Authorization for Electronic Transaction

Patent metadata

Field	Value
Publication number	US-2018150844-A1
Application number	US-201615363495-A
Country	US
Kind code	A1
Filing date	Nov 29, 2016
Priority date	Nov 29, 2016
Publication date	May 31, 2018
Grant date	—

Abstract

An electronic transaction terminal system includes a camera that captures an image of a person participating in an electronic transaction; a microphone that captures an audio signal of the person; and a database that includes records associating user accounts with an image and/or a voice print of the associated account holder. The electronic transaction terminal system includes processors connected to the camera, microphone, and database to perform authentication and/or authorization. For example, the processors compare an image of the person with the records in the database. The processors identify a user account of the person by matching the image of the person with the image of the account holder. To authorize the particular transaction, the processors may capture an audio signal of the person speaking into the microphone; compare the captured audio signal with the voice print in the database; and authorize the electronic transaction with the user account.

First claim

1 . An electronic transaction terminal system, comprising:
a camera operable to capture an image of a person participating in an electronic transaction; a microphone operable to capture an audio signal of the person participating in the electronic transaction; a database comprising one or more records associating one or more user accounts with an image of an associated account holder and a voice print of the associated account holder; and one or more processors communicably coupled to the camera, the microphone, and the database, the one or more processors operable to:
compare an image of the person participating in the electronic transaction captured by the camera with the one or more records in the database;
identify one or more user accounts associated with the person participating in the electronic transaction by matching the image of the person participating in the electronic transaction with the image of the account holder associated with the one or more user accounts;
prompt the person participating in the electronic transaction to authorize the electronic transaction by speaking into the microphone;
capture an audio signal of the person participating in the electronic transaction speaking into the microphone;
compare the captured audio signal with the voice print associated with the one or more user accounts; and
upon determining the captured audio signal matches the voice print associated with the one or more user accounts, authorize the electronic transaction to proceed using the one or more user accounts.

2 . The electronic transaction terminal system of claim 1 , wherein the camera is operable to capture a retinal scan of the person participating in the electronic transaction and the image of the account holder associated with the one or more user accounts includes a retinal scan of the account holder.

3 . The electronic transaction terminal system of claim 1 , wherein the database is stored in cloud-based storage.

4 . The electronic transaction terminal system of claim 1 , wherein each of the one or more user accounts comprises at least one of a bank account, a payment card account, a digital wallet, or a blockchain.

5 . The electronic transaction terminal system of claim 1 , wherein the camera comprises a portion of an augmented reality user device worn by the user participating in the electronic transaction.

6 . The electronic transaction terminal system of claim 1 , wherein the microphone comprises a portion of an augmented reality user device worn by the user participating in the electronic transaction.

7 . The electronic transaction terminal system of claim 1 , wherein the camera and the microphone each comprise a portion of an augmented reality user device worn by the user participating in the electronic transaction, and the one or more processors are further operable to determine the augmented reality user device is within a predetermined proximity to an electronic transaction terminal.

8 . A method of authenticating and authorizing a user for an electronic transaction, the method comprising:
capturing, by an electronic transaction terminal system, an image of a person participating in an electronic transaction, the electronic transaction terminal system comprising:
a camera operable to capture an image of a person;
a microphone operable to capture an audio signal; and
a database comprising one or more records associating one or more user accounts with an image of an associated account holder and a voice print of the associated account holder;
comparing the captured image of the person participating in the electronic transaction with the one or more records in the database; identifying one or more user accounts associated with the person participating in the electronic transaction by matching the image of the person participating in the electronic transaction with the image of the account holder associated with the one or more user accounts; prompting the person participating in the electronic transaction to authorize the electronic transaction by speaking into the microphone; capturing an audio signal of the person participating in the electronic transaction speaking into the microphone; comparing the captured audio signal with the voice print associated with the one or more user accounts; and upon determining the captured audio signal matches the voice print associated with the one or more user accounts, authorizing the electronic transaction to proceed using the one or more user accounts.

9 . The method of claim 8 , wherein capturing the image of the person participating in the electronic transaction comprises capturing a retinal scan of the person participating in the electronic transaction and the image of the account holder associated with the one or more user accounts includes a retinal scan of the account holder.

10 . The method of claim 8 , wherein the database is stored in cloud-based storage.

11 . The method of claim 8 , wherein each of the one or more user accounts comprises at least one of a bank account, a payment card account, a digital wallet, or a blockchain.

12 . The method of claim 8 , wherein the camera comprises a portion of an augmented reality user device worn by the user participating in the electronic transaction.

13 . The method of claim 8 , wherein the microphone comprises a portion of an augmented reality user device worn by the user participating in the electronic transaction.

14 . The method of claim 8 , wherein:
the camera and the microphone each comprise a portion of an augmented reality user device worn by the user participating in the electronic transaction; and the method further comprises determining the augmented reality user device is within a predetermined proximity to an electronic transaction terminal.

15 . An electronic transaction terminal system, comprising:
a camera; a database comprising one or more records associating one or more user accounts with an image of an associated account holder; and one or more processors communicably coupled to the camera and the database, the one or more processors operable to:
capture an image of the person participating in the electronic transaction using the camera;
compare the captured image of the person participating in the electronic transaction with the one or more records in the database;
identify one or more user accounts associated with the person participating in the electronic transaction by matching the image of the person participating in the electronic transaction with the image of the account holder associated with the one or more user accounts; and
authorize the electronic transaction to proceed using the one or more user accounts.

16 . The electronic transaction terminal system of claim 15 , further comprising a microphone, and wherein:
the database further comprises one or more records associating one or more user accounts with a voice print of the associated account holder; the one or processors are coupled to the microphone, the one or more processors further operable to:
capture an audio signal of the person participating in the electronic transaction speaking into the microphone;
compare the captured audio signal with the voice print associated with the one or more user accounts; and
upon determining the captured audio signal matches the voice print associated with the one or more user accounts, authorize the electronic transaction to proceed using the one or more user accounts.

17 . The electronic transaction terminal system of claim 15 , wherein the camera is operable to capture a retinal scan

Assignees

• Bank Of America

Inventors

• Dolan Heather
• Dravneek Victoria L
• Mohamed Zafer

Classifications

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06K9/00892

  Physics · mapped topic