Atm with biometric security

Patent metadata

Field	Value
Publication number	US-2020042811-A1
Application number	US-201916596987-A
Country	US
Kind code	A1
Filing date	Oct 9, 2019
Priority date	Jul 9, 2018
Publication date	Feb 6, 2020
Grant date	—

Abstract

Provided, in an aspect, is a method for improving security in an automated teller machine (ATM) network, which includes prompting a user, via the ATM, to provide a biometric sample; receiving the sample from a biometric device of the ATM; determining that the sample is not blacklisted; and allowing the user to complete a transaction. Because the method includes storing anonymized event details, which include the biometric sample separate from user-identifying information, the method both improves privacy for law-abiding users and deters malicious use by others.

First claim

What is claimed is:

1 . A computer-implemented method for improving security in an automated teller machine (ATM) network comprising a plurality of ATM devices, the method comprising:
receiving, through a biometric sensor of an ATM device of the ATM network, a biometric sample of a user; determining, by the ATM device, that the biometric sample is not blacklisted by communicating with a server configured to compare the received biometric sample against biometric sample information stored within a blacklist database; and allowing the user to complete, by the ATM device, a transaction in response to determining that the biometric sample is not blacklisted, wherein the server is configured to store anonymized event details comprising information different from user-identifying information associated with the user completing the transaction on the ATM device.

2 . The computer-implemented method of claim 1 , comprising determining that the biometric sample has a quality level that passes a predetermined threshold.

3 . The computer-implemented method of claim 1 , comprising determining that the biometric sample has a quality level that passes a predetermined threshold after receiving one or more prior biometric samples with insufficient quality after the transaction request.

4 . The computer-implemented method of claim 1 , wherein the biometric sample is selected from the group consisting of a face scan, iris scan, retina scan, fingerprint, palm print, hand vein pattern, finger geometry, voice profile, signature, and ear scan.

5 . The computer-implemented method of claim 1 , wherein the biometric sample is not used for identifying the user before allowing the user to complete the transaction.

6 . The computer-implemented method of claim 1 , wherein the biometric sample is stored separately from a transaction log that comprises user-identifying information.

7 . The computer-implemented method of claim 1 , comprising, in response to determining at a later time that the transaction was fraudulent, providing the biometric sample to a law enforcement agency.

8 . The computer-implemented method of claim 1 , comprising, in response to determining that the transaction increases a ratio of a number of transactions per biometric sample for the biometric sample beyond a predetermined ratio, updating the blacklist database to include the biometric sample in the blacklist database.

9 . The computer-implemented method of claim 1 , comprising, before prompting the user for a biometric sample, acquiring an image of the user and determining that the image quality is poor.

10 . The computer-implemented method of claim 1 , wherein the blacklist database comprises a database selected from an agency database, a customer database, a bank database, and a combination thereof.

11 . The computer-implemented method of claim 10 , wherein the agency database comprises matches for biometric samples that have been reported by law enforcement agencies.

12 . The computer-implemented method of claim 10 , wherein the customer database comprises matches for biometric samples that are associated with fraudulent transactions reported by customers.

13 . The computer-implemented method of claim 10 , wherein the bank database comprises matches for biometric samples that have been flagged by a bank.

14 . An automated teller machine (ATM) with improved security, the ATM comprising:
a biometric sensor for receiving a biometric sample from a user associated with user-identifying information; a processor; and a non-transitory computer-readable medium storing instructions executable by the processor to:
receive the biometric sample of the user from the biometric sensor;
determine that the biometric sample is not blacklisted by communicating with a server configured to compare the received biometric sample against biometric sample information stored within a blacklist database; and
allow the user to complete a transaction in response to determining that the biometric sample is not blacklisted,
wherein the server is configured to store anonymized event details comprising information different from the user-identifying information associated with the user completing the transaction on the ATM device.

15 . The ATM of claim 14 , wherein the biometric sample comprises a face scan, iris scan, retina scan, fingerprint, palm print, hand vein pattern, finger geometry, voice profile, signature, and ear scan.

16 . The ATM of claim 14 , wherein the server is configured to store a transaction log that comprises user-identifying information separately from the biometric sample.

17 . The ATM of claim 14 , wherein the ATM comprises the non-transitory computer-readable medium storing instructions executable by the processor to, before any prompt to the user for a biometric sample, acquire an image of the user via a camera, and determine that the image has an unacceptable image quality.

18 . The ATM of claim 14 , wherein the blacklist database is remote to the ATM.

19 . The ATM of claim 18 , wherein the biometric sample is blacklisted when it is matched in at least one of an agency database, a customer database, and a bank database.

20 . A method for improving security in an automated teller machine (ATM) device, the method comprising:
acquiring an image of an ATM user via a camera of the ATM device; determining an inability to recognize a face of the ATM user in the acquired image; prompting the user, via the ATM device, to provide a biometric sample; receiving, through a biometric sensor of the ATM device, the biometric sample of the ATM user; determining that the biometric sample is not blacklisted by communicating with a server configured to compare the biometric sample against biometric sample information stored within at least one biometric blacklist database; and allowing the user to complete the transaction in response to determining that the biometric sample is not blacklisted.

Assignees

• Capital One Services Llc

Inventors

• Edwards Joshua
• Mossoba Michael
• Benkreira Abdelkader

Classifications

• G07F19/207 Primary

  Surveillance aspects at ATMs · CPC title

• G06V40/70

  Multimodal biometrics, e.g. combining information from different biometric modalities · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• H04N7/183

  for receiving images from a single remote source · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title