Access Control Through Multifactor Authentication with Multimodal Biometrics

摘要

A system is provided in which a person may use a Cellular (Mobile) Telephone, a PDA or any other handheld computer to make a purchase. This is an example only. The process may entail any type of transaction which requires authentication, such as any financial transaction, any access control (to account information, etc.), and any physical access scenario such as doubling for a passport or an access key to a restricted area (office, vault, etc.). It may also be used to conduct remote transactions such as those conducted on the Internet (E-Commerce, account access, etc.). In the process, a multifactor authentication is used.

主权项

1. A method of authenticating a user of a computing device as an enrolled user of the computing device during a transaction, the method comprising:
i. determining whether the computing device is associated with the enrolled user; ii. determining whether the user exhibits knowledge of a predetermined fact; iii. determining the identity of the user based on at least one biometric challenge; and iv. determining whether the user is a live person based on at least one liveness challenge.