Pro-active identity verification for authentication of transaction initiated via non-voice channel

Abstract

A method of using biometric verification comprises identifying a validation requirement during the execution of a non-voice channel interaction, and initiating a contact to the user, at a pre-registered device. The method further comprises executing a biometric verification of the user's identity and possession of the device, via a user interaction at the pre-registered device, and providing the validation when the user is successfully identified.

1 . (canceled) 
     
     
         2 . A method of performing two-factor authentication for a transaction, the method comprising:
 detecting initiation of the transaction by a user through a transaction endpoint;   upon detecting the initiation of the transaction, alerting a mobile application to initiate a biometric based verification of the user;   collecting biometric data from the user of the mobile application;   matching the collected biometric data to a biometric pattern;   performing the biometric based verification of the user based on the matching;   identifying access of the user to the mobile application;   validating an identity of the user based on the identifying; and   based on the validated identity of the user and the biometric based verification, completing the transaction.   
     
     
         3 . The method of  claim 2 , wherein the transaction includes one or more of the following: an access to a bank account, ordering an item, paying at a terminal, an access to a medical record. 
     
     
         4 . The method of  claim 2 , wherein collecting the biometric data from the user of the mobile application comprises collecting live voice data of the user. 
     
     
         5 . The method of  claim 4 , wherein the live voice data of the user is collected over a Voice-over-IP channel or a cellular network channel. 
     
     
         6 . The method of  claim 2 , further comprising determining that the transaction requires the biometric based verification based on determining that (1) the transaction is over a threshold amount, (2) the transaction is for an item being sent to an address different from a home address of the user, or (3) the transaction is for accessing a sensitive medical record. 
     
     
         7 . The method of  claim 2 , wherein collecting the biometric data from the user comprises collecting one or more of the following: voice biometric data, face biometric data, fingerprint biometric data. 
     
     
         8 . The method of  claim 2 , further comprising registering the mobile application, the registered mobile application providing the biometric data to perform the biometric based verification. 
     
     
         9 . A system comprising:
 a processor operatively coupled to a computer memory, the processor configured to:
 detect initiation of a transaction by a user through a transaction endpoint; 
 upon detecting the initiation of the transaction, alert a mobile application to initiate a biometric based verification of the user; 
 collect biometric data from the user of the mobile application; 
 matching the collected biometric data to a biometric pattern; 
 perform the biometric based verification of the user based on the matching; 
 identifying access of the user to the mobile application; 
 validate an identity of the user based on the identifying; and 
 based on the validated identity of the user and the biometric based verification, complete the transaction. 
   
     
     
         10 . The system of  claim 9 , wherein the transaction includes one or more of the following: an access to a bank account, ordering an item, paying at a terminal, an access to a medical record. 
     
     
         11 . The system of  claim 9 , wherein collecting the biometric data from the user of the mobile application comprises collecting live voice data of the user. 
     
     
         12 . The system of  claim 11 , wherein the live voice data of the user is collected over a Voice-over-IP channel or a cellular network channel. 
     
     
         13 . The system of  claim 9 , wherein the processor is further configured to determine that the transaction requires the biometric based verification based on determining that (1) the transaction is over a threshold amount, (2) the transaction is for an item being sent to an address different from a home address of the user, or (3) the transaction is for accessing a sensitive medical record. 
     
     
         14 . The system of  claim 9 , wherein collecting the biometric data from the user comprises collecting one or more of the following: voice biometric data, face biometric data, fingerprint biometric data. 
     
     
         15 . The system of  claim 9 , wherein the processor is further configured to register the mobile application, the registered mobile application providing the biometric data to perform the biometric based verification. 
     
     
         16 . A machine-readable medium storing executable instructions that upon execution by a processor perform a method comprising:
 detecting initiation of a transaction by a user through a transaction endpoint;   upon detecting the initiation of the transaction, alerting a mobile application that initiates a biometric based verification of the user;   collecting biometric data from the user of the mobile application;   matching the collected biometric data to a biometric pattern;   performing the biometric based verification of the user based on the matching;   identifying access of the user to the mobile application;   validating an identity of the user based on the identifying; and   based on the validated identity of the user and the biometric based verification, completing the transaction.   
     
     
         17 . The machine-readable medium of  claim 16 , wherein the transaction includes one of more of the following: an access to a bank account, ordering an item, paying at a terminal, an access to a medical record. 
     
     
         18 . The machine-readable medium of  claim 16 , wherein collecting the biometric data from the user of the mobile application comprises collecting live voice data of the user. 
     
     
         19 . The machine-readable medium of  claim 18 , wherein the live voice data of the user is collected over a Voice-over-IP channel or a cellular network channel. 
     
     
         20 . The machine-readable medium of  claim 16 , further comprising determining that the transaction requires the biometric based verification based on determining that (1) the transaction is over a threshold amount, (2) the transaction is for an item being sent to an address different from a home address of the user, or (3) the transaction is for accessing a sensitive medical record. 
     
     
         21 . The machine-readable medium of  claim 16 , wherein collecting the biometric data from the user comprises collecting voice biometric data, face biometric data, or fingerprint biometric data.