Abstract: Systems and methods are provided for authorizing a user in connection with a transaction at a transaction terminal. The systems and methods described herein enable a series of operations whereby a user using a mobile device can capture a code that uniquely identifies a transaction terminal. In addition the mobile device can also capture a user's biometrics, generate a biometric identifier and biometrically verify the user's identity by comparing the biometric identifier to a previously generated biometric identifier. If the user is biometrically authenticated the mobile device can generate a transaction request including, a user identifier, a mobile device identifier, and the transaction terminal code and transmit the transaction request to a system server. Based on the transaction request, the system server can further authenticate the user and/or approve the requested transaction. If the user is authenticated, the system server can instruct the terminal to advance the financial transaction.

Abstract: Technologies are presented herein in support of a system and method for performing fingerprint recognition. Embodiments of the present invention concern a system and method for capturing a user's biometric features and generating an identifier characterizing the user's biometric features using a mobile device such as a smartphone. The biometric identifier is generated using imagery captured of a plurality of fingers of a user for the purposes of authenticating/identifying the user according to the captured biometrics and determining the user's liveness. The present disclosure also describes additional techniques for preventing erroneous authentication caused by spoofing. In some examples, the anti-spoofing techniques may include capturing one or more images of a user's fingers and analyzing the captured images for indications of liveness.

Abstract: A one-time certificate is provided that enables an initial two-way secured communication session between a user computing device and a trusted server. An initial secured communication session is established by the trusted server with the user computing device after receiving the one-time certificate. The trusted server receives identification information associated with the user of the user computing device, wherein the identification information includes a representation of the user's identity that has been confirmed as a function of biometrics and further includes a representation of the user computing device. Moreover, the trusted server generates a replacement certificate that is unique to the combination of the user and the user computing device, and transmits the replacement certificate to the user computing device.

Abstract: Technologies are presented herein in support of a system and method for performing fingerprint recognition. Embodiments of the present invention concern a system and method for capturing a user's biometric features and generating an identifier characterizing the user's biometric features using a mobile device such as a smartphone. The biometric identifier is generated using imagery captured of a plurality of fingers of a user for the purposes of authenticating/identifying the user according to the captured biometrics and determining the user's liveness. The present disclosure also describes additional techniques for preventing erroneous authentication caused by spoofing. In some examples, the anti-spoofing techniques may include capturing one or more images of a user's fingers and analyzing the captured images for indications of liveness.

Abstract: An initial certificate is provided that enables an initial two-way secured communication session between a user computing device and a trusted server. An initial secured communication session is established by the trusted server with the user computing device after receiving the one-time certificate. The trusted server receives identification information associated with the user of the user computing device, wherein the identification information includes a representation of the user's identity that has been confirmed as a function of biometrics and further includes a representation of the user computing device. Moreover, a replacement certificate is generated that is unique to the combination of the user and the user computing device, and transmits the replacement certificate to the user computing device. Thereafter, a two-way secured communication session is established, by the trusted server.

Abstract: Systems and methods are provided for recording a user's biometric features and generating an identifier representative of the user's biometric features and whether the user is alive (“liveness”) using mobile devices such as a smartphone. The systems and methods described herein enable a series of operations whereby a user using a mobile device can capture imagery of a user's face, eyes and periocular region. The mobile device is also configured analyze the imagery to identify and determine the position of low-level features spatially within the images and the changes in position of the low level features dynamically throughout the images. Using the spatial and dynamic information the mobile device is further configured to determine whether the user is alive and/or generate a biometric identifier characterizing the user's biometric features which can be used to authenticate the user by determining liveness and/or verify the user's identity.

Abstract: Systems and methods are provided for recording a user's biometric features and generating an identifier representative of the user's biometric features using mobile device such as a smartphone. The systems and methods described herein enable a series of operations whereby a user using a mobile device can capture imagery of a user's face, eyes and periocular region. The mobile device is also configured analyze the imagery to identify and determine the position of low-level features spatially within the images and the changes in position of the low level features dynamically throughout the images. Using the spatial and dynamic information the mobile device is further configured to generate a biometric identifier characterizing the user's biometric features and which can be used to identify/authenticate the user by comparing the biometric identifier to a previously generated biometric identifier.