Abstract: Systems and methods of authorizing an activity, such as a financial transaction, are disclosed. Authorizing the activity may be accomplished by comparing a biometric sample to a biometric specimen. The sample is stored in a database and includes biometric information corresponding to two physiologically distinct portions of an individual. When that individual later is a person desiring to authorize an activity, he provides a specimen that includes biometric information corresponding to two physiologically distinct portions of his person. A comparison between the sample and the specimen is performed, and if a match is determined then the activity is authorized. If the comparison is performed and a match is not determined, then the activity is not authorized.

Abstract: The present invention includes a method of deciding whether a data set is acceptable for making a decision. A first probability partition array and a second probability partition array may be provided. One or both of the probability partition arrays may be a Copula model. A no-match zone may be established and used to calculate a false-acceptance-rate (“FAR”) and/or a false-rejection-rate (“FRR”) for the data set. The FAR and/or the FAR may be compared to desired rates. Based on the comparison, the data set may be either accepted or rejected. The invention may also be embodied as a computer readable memory device for executing the methods.

Abstract: Systems and methods of authorizing an activity, such as a financial transaction, are disclosed. Authorizing the activity may be accomplished by comparing a biometric sample to a biometric specimen. The sample is stored in a database and includes biometric information corresponding to two physiologically distinct portions of an individual. When that individual later is a person desiring to authorize an activity, he provides a specimen that includes biometric information corresponding to two physiologically distinct portions of his person. A comparison between the sample and the specimen is performed, and if a match is determined then the activity is authorized. If the comparison is performed and a match is not determined, then the activity is not authorized.

Abstract: Methods and systems according to the invention may compare a large-area biometric specimen and a small-area biometric sample. For example, a large-area plain surface fingerprint image may be stored in a fingerprint database as a specimen, and then a small-area plain surface fingerprint image may be acquired as a sample. The small-area image sample may be submitted to a fingerprint matching system for comparison with a large-area image specimen from the database. A determination may be made as to whether the small-area image matches a portion of the large-area image.

Abstract: The invention includes methods, systems and devices for authenticating transactions. A method may begin by enrolling at least two biometric specimens to a database. A false acceptance ratio (“FAR”) is determined for each of the specimens, and authorization options are identified. A cost value is calculated for at least one of the options to provide a calculated cost value (“CCV”). The CCV may be a function of the FAR(s) of the specimen(s) corresponding to the option. An acceptable cost value range (“ACV range”) may be identified, and compared to the CCV. If it is determined that the CCV is in the ACV range, then the option is selected. If the CCV is in the ACV range, then a set of biometric samples is provided (the “sample set”). The sample set is compared to the biometric specimens, and it is determined whether the biometric samples match the biometric specimens. If the biometric samples match the biometric specimens, then the transaction is authorized.

Abstract: The present invention includes a method of deciding whether a data set is acceptable for making a decision. A first probability partition array and a second probability partition array may be provided. A no-match zone may be established and used to calculate a false-acceptance-rate (“FAR”) and/or a false-rejection-rate (“FRR”) for the data set. The FAR and/or the FAR may be compared to desired rates. Based on the comparison, the data set may be either accepted or rejected. The invention may also be embodied as a computer readable memory device for executing the methods.