Secure transaction card using biometrical validation

摘要

A validation scheme for use with a transaction card such as a calling card, et cetera, using personalized biometric profile data that is inherently coupled to the card owner/user. A configuration process is used for populating a profile database with sample voice or other biometric responses elicited from the owner/user in response to a plurality of questions relating to information uniquely linked to the user such as, e.g., name, age, hobbies, et cetera, or biometric responses such as fingerprints, retinal scans, and palm prints, or implanted ID chips. When a transaction is attempted using the transaction card, a determination is made if a voice profile validation is required for authentication. If so, a question from the plurality of questions used in the configuration process is randomly selected and directed to the user for a response. Access is provided only if a match between the response and corresponding sample is found. In a passive mode, the validation scheme may be utilized as an auxiliary fraud prevention scheme in addition to existing authentication systems.

主权项

1. A computing device implemented method for validating a user, comprising:
configuring a biometric profile to include a plurality of biometric sample responses and a plurality of non-biometric sample responses to a respective plurality of questions associated with a user; configuring the biometric profile to include a plurality of voiceprints corresponding to the plurality of biometric sample responses; storing an authentic password associated with the user; receiving an attempt to perform a transaction from a party purporting to be the user; receiving a password attempt from the party; determining whether biometric validation is necessary for authorizing the transaction; wherein determining whether biometric validation is necessary for authorizing the transaction further comprises: determining whether a fraudulent transaction is detected; and performing the biometric validation, when it is determined that biometric validation is necessary for authorizing the transaction, wherein the biometric validation comprises: interrogating the party based on a question randomly selected from the plurality of questions; receiving a biometric or non-biometric response to the question; comparing, when the question corresponds to a biometric sample response, a user voiceprint based on the received biometric response to a corresponding voiceprint from the plurality of voiceprints that is associated with the question; authorizing the transaction when the user voiceprint matches the corresponding voiceprint associated with the question; determining, when the question corresponds to a non-biometric sample response, whether the received non-biometric response matches the non-biometric sample response corresponding to the question; and authorizing the transaction when the received non-biometric response matches the corresponding non-biometric sample response associated with the question and the user.