Abstract: A method by an access device comprising obtaining a first biometric sample of a user; generating a first biometric template or a derivative thereof from the first biometric sample; transmitting the first biometric template or the derivative thereof to a mobile device, wherein the mobile device or the user determines if the access device is an authentic access device; receiving a confirmation of a match between the first biometric template and a second biometric template on the mobile device; and conducting a transaction between the access device and the mobile device, after the mobile device or the user determines that the access device is authentic.

Abstract: The invention is directed to a system that enables an authentication process that involves secure multi-party computation. The authentication process can be performed between a user device operated by a user and an access device. The user device and the access device may conduct the authentication process such that enrollment information and authentication information input by the user is not transmitted between the devices. Instead, the user device may determine and utilize obfuscated values associated with the authentication information. The user device may also determine an obfuscated authentication function that can be utilized to determine an authentication result without revealing enrollment information and authentication information associated with the user. The user can be authenticated based on the authentication result.

Abstract: A biometric matching process is disclosed. The biometric matching process may be used to obtain access to a resource managed by an access device using only biometric information. In some embodiments, a biometric template is stored in relation to a user device and/or account information, and is obscured. Upon receiving a request for access to a resource from an access device, the system may identify a number of user devices in proximity to the access device. Biometric templates associated with each of those user devices may be compared to a biometric template received from the access device. Upon identifying a match, the system may provide the access device with account information stored in relation to the matched biometric template. The access device may then complete a transaction using the provided account information and grant access to the requested resource.

Abstract: A method by an access device comprising obtaining a first biometric sample of a user; generating a first biometric template or a derivative thereof from the first biometric sample; transmitting the first biometric template or the derivative thereof to a mobile device, wherein the mobile device or the user determines if the access device is an authentic access device; receiving a confirmation of a match between the first biometric template and a second biometric template on the mobile device; and conducting a transaction between the access device and the mobile device, after the mobile device or the user determines that the access device is authentic.

Abstract: The invention is directed to a system that enables an authentication process that involves secure multi-party computation. The authentication process can be performed between a user device operated by a user and an access device. The user device and the access device may conduct the authentication process such that enrollment information and authentication information input by the user is not transmitted between the devices. Instead, the user device may determine and utilize obfuscated values associated with the authentication information. The user device may also determine an obfuscated authentication function that can be utilized to determine an authentication result without revealing enrollment information and authentication information associated with the user. The user can be authenticated based on the authentication result.

Abstract: Techniques for intelligently deciding the optimal authenticator(s) from amongst those supported by an electronic device are described. The authentication system according to some embodiments may include a dynamic machine learner that incorporates the attributes of: (i) user behavior attributes (e.g., preferred authenticator); (ii) device attributes (e.g., hardware and software specifications, applications, etc.); and (iii) operating environment attributes (e.g., ambient light, noise, etc.), as well as the interplay between the aforementioned attributes over time to make the decision. In some embodiments, the authentication activities and patterns of other users of similar type (e.g., users exhibiting similar behavior across different operating environments) can also be learned and employed to improve the decision making process over time.

Abstract: Techniques for intelligently deciding the optimal authenticator(s) from amongst those supported by an electronic device are described. The authentication system according to some embodiments may include a dynamic machine learner that incorporates the attributes of: (i) user behavior attributes (e.g., preferred authenticator); (ii) device attributes (e.g., hardware and software specifications, applications, etc.); and (iii) operating environment attributes (e.g., ambient light, noise, etc.), as well as the interplay between the aforementioned attributes over time to make the decision. In some embodiments, the authentication activities and patterns of other users of similar type (e.g., users exhibiting similar behavior across different operating environments) can also be learned and employed to improve the decision making process over time.

Abstract: Embodiments of the invention involve using biometric templates to wirelessly authenticate individuals. In one embodiment, a mobile device may generate a first biometric template and a first public value from a first biometric sample of a user and generate a first cryptographic key by passing the first biometric template to a fuzzy extractors generate function. An access device may generate a second biometric template from a second biometric sample of the user, generate a second secret cryptographic key by passing the second biometric template and the first public value to the fuzzy extractors reproduce function, encrypt the second biometric template with the second secret cryptographic key, and broadcast the encrypted template to a plurality of nearby mobile devices including the mobile device. If the mobile device is able to decrypt the encrypted template with the first cryptographic key, the access device can associate the user with the mobile device.

Abstract: Embodiments of the invention are directed to a system and methods for determining a likelihood that an image that includes a user is a spoof or fake. In some embodiments, focus values are determined for various parts of the image during a focus sweep. The focus values may represent a focus point at which a particular part of the image is sharp. In some embodiments, the focus values may be determined only for the sections of the image that correspond to a face within the image. From the focus values, the system may determine a relative depth of various parts of the image. Using the relative depths, the system may generate a rough depth map for the image. The depth map may be analyzed to determine a likelihood that the image is authentic.

Abstract: Embodiments of the invention involve using biometric templates to wirelessly authenticate individuals. In one embodiment, a mobile device may generate a first biometric template and a first public value from a first biometric sample of a user and generate a first cryptographic key by passing the first biometric template to a fuzzy extractors generate function. An access device may generate a second biometric template from a second biometric sample of the user, generate a second secret cryptographic key by passing the second biometric template and the first public value to the fuzzy extractors reproduce function, encrypt the second biometric template with the second secret cryptographic key, and broadcast the encrypted template to a plurality of nearby mobile devices including the mobile device. If the mobile device is able to decrypt the encrypted template with the first cryptographic key, the access device can associate the user with the mobile device.

Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

Abstract: A system, method, and computer program product is provided for secured, encrypted transaction processing. The method includes receiving a transaction request initiated by a first computing device associated with a first user and/or a second computing device associated with a second user. The transaction request includes a first user token including a first token identifier and a first account balance encrypted with a public key of the first user. The transaction request also includes a transaction value and a second user token including a second token identifier and a second account balance encrypted with a public key of the second user. The method includes generating a new first user token including a new first account balance encrypted with the public key of the first user and a new second user token including a new second account balance encrypted with the public key of the second user.

Abstract: Provided is a computer-implemented method for authenticating a customer during payment transactions based on biometric identification parameters of the customer that includes receiving image data associated with an image template for identification of a customer, receiving image data associated with an image of a biometric identification parameter of the customer during a payment transaction between the customer and a merchant, establishing a short-range communication connection with a user device associated with the customer during the payment transaction between the customer and the merchant, authenticating an identity of the customer for the payment transaction via the short-range communication connection, determining an account identifier of an account of the customer based on authenticating the identity of the customer for the payment transaction, and processing the payment transaction using the account identifier of the account of the customer. A system and computer program product are also disclosed.

Abstract: Embodiments of the invention relate to determining a mobile communication device's location, even if the mobile communication device does not have an active data connection. Embodiments of the invention also relate to achieving connectivity between a mobile communication device not having an active data connection and to another mobile communication device, server computer, or third-party computer.

Abstract: Described herein are a system and techniques for enabling biometric authentication without exposing the authorizing entity to sensitive information. In some embodiments, the system receives a biometric template from a user device which is encrypted using a public key associated with the system. The encrypted biometric template is then provided to a second entity along with a biometric identifier. Upon receiving a request to complete a transaction that includes the biometric identifier and a second biometric template, the second entity may encrypt the second biometric template using the same public key associated with the system and perform a comparison between the two encrypted biometric templates. The resulting match result data file is already encrypted and can be provided to the system to determine an extent to which the two biometric templates match.

Abstract: Embodiments of the invention relate to determining a mobile communication device's location, even if the mobile communication device does not have an active data connection. Embodiments of the invention also relate to achieving connectivity between a mobile communication device not having an active data connection and to another mobile communication device, server computer, or third-party computer.

Abstract: Systems and methods are described for provisioning access credentials to a mobile device using device and authorization codes. Once provisioned, a mobile device can be used to conduct a transaction.

Abstract: A method for utilizing a registration authority to facilitate a certificate signing request is disclosed. In at least one embodiment, a registration authority computer may receive a certificate signing request associated with a token requestor. The registration authority may authenticate the identity of the token requestor and forward the certificate signing request to a certificate authority computer. A token requestor ID and a signed certificate may be provided by the certificate authority computer and forwarded to the token requestor. The token requestor ID may be utilized by the token requestor to generate digital signatures for subsequent token-based transactions.

Abstract: A biometric verification system is disclosed. The system includes a portable device which stores a biometric reference template and authentication preferences, The portable device can be used with an access device. The access device can prompt the user for a biometric sample, The access device may create a biometric sample template from the biometric sample, and the biometric sample template can be compared to the biometric reference template to determine if a user is authentic.

Abstract: A method and system for provisioning access data in a second application on a mobile device using a first application on the mobile device. Authentication data may be input into the first application, and an authentication code may be requested from a remote server. The authentication code may include access data to be provisioned, in encrypted form. After the authentication code is received by the first application in the mobile device, it can pass the authentication code to a second application that initiates an access data provisioning process.