Authorization of a financial transaction
Inventors
Perna, Steven N. • Clifton, Mark A. • KIM, Jongjin • Varma, Bobby S. • Piro, Stephen J. • Mapen, Barry E. • Richards, Kevin P. • Ackerman, David Alan • Lanzillotto, Ann-Marie • Wade, David J. • Davis, Timothy J. • Fleisch, Michael P. • Bhangley, Jitendra J. • Van Sant, Glen J. • Green, John Timothy
Assignees
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Publication Number
US-10038691-B2
Publication Date
2018-07-31
Expiration Date
Abstract
An iris biometric recognition module includes technology for capturing images of an iris of an eye of a person, whether the person is moving or stationary. The iris biometric recognition technology can perform an iris matching procedure for, e.g., authentication or identity purposes, by comparing a digital iris image to a reference iris image and, if at least a portion of the digital and reference iris images match, authenticating a person as authorized to conduct a financial transaction.
Core Innovation
An iris-biometric financial transaction authorization system is described that authenticates a person for authorization of a financial transaction by capturing and comparing an iris with a reference iris image. The system performs iris biometric recognition by aligning an iris imager with the iris of the person, illuminating the iris, producing a digital image of the iris, and comparing the digital image to the reference iris image. Authorization is executed only in response to a determination that the digital image matches the reference iris image.
A key aspect of the described authorization is that the digital image is a low resolution image selected from a plurality of resolutions. The match determination comprises selecting a low frequency component corresponding to the low resolution image, where the low resolution image and the low frequency component are the lowest sufficient to identify coarse iris features.
The described system includes a modular iris processor for pre-processing and iris coding and a matching approach for determining the match. In the described embodiments, multi-resolution iris coding is performed and the matching uses constrained active alignment and flow-field/warping to enable stable comparison, including rectified iris image processing and selecting appropriate components for coarse iris features. The system further includes program instructions for an iris image enrollment and matching logic and an example authorization workflow for financial transactions, including deployments with mobile device integration and remote/cloud database connectivity.
Claims Coverage
The partial content includes three independent claims that cover iris biometric recognition for financial transaction authorization. Across the independent claims, the core claim coverage includes aligning an iris imager, illuminating, producing a digital image, comparing to a reference iris image, and authorizing when the digital image matches using low-resolution selection and a corresponding low frequency component for coarse iris features.
Permission-driven iris scan authorization with synchronous illumination and capture
Receive an input signal comprising a permission to scan an iris of a person in proximity to the client device, align the camera with the iris of the person, send a first control signal activating a synchronous emission of light by one or more illuminators, and send a second control signal activating capture of a plurality of digital images synchronous with the emission.
Low-resolution and lowest-sufficient low-frequency matching for coarse iris features
Determine that a first digital image matches the reference iris image by selecting a low resolution image from a plurality of resolutions and selecting a low frequency component corresponding to the low resolution image, wherein the low resolution image and the low frequency component are the lowest sufficient to identify coarse iris features.
Multicomponent iris recognition enabling authorization based on a low-resolution coarse-feature match
Align the lens of the iris imager device with the iris of the person, operate the illuminator device to illuminate the iris, operate the iris imager device to produce a digital image of the iris, compare the digital image to a reference iris image, and responsive to a determination that the digital image matches authorize the financial transaction, wherein the digital image is a low resolution image selected from a plurality of resolutions and determining the match comprises selecting a low frequency component corresponding to the low resolution image, the low resolution image and the low frequency component being the lowest sufficient to identify coarse iris features.
Method of aligning, illuminating, imaging, comparing, and authorizing using coarse-feature low-resolution matching
Aligning a lens of an iris imager device with the iris of the person, operating an illuminator device to illuminate the iris, operating the iris imager device to produce a digital image of the iris, comparing the digital image to a reference iris image, and responsive to a determination that the digital image matches the reference iris image authorizing the financial transaction, wherein the digital image is a low resolution image selected from a plurality of resolutions and determining the match comprises selecting a low frequency component corresponding to said low resolution image, said low resolution image and said low frequency component being the lowest sufficient to identify coarse iris features.
The independent claims center on iris biometric recognition for financial transaction authorization, including alignment, illumination, iris image capture, comparison to a reference iris image, and authorizing only when a match is determined. The distinguishing matching approach is selecting a low resolution image from a plurality of resolutions and choosing a corresponding low frequency component that is the lowest sufficient to identify coarse iris features.
Stated Advantages
Enables authorization of a financial transaction responsive to a determination that the digital image matches the reference iris image.
Uses low-resolution matching based on the lowest sufficient low frequency component to identify coarse iris features.
Documented Applications
Authorization of a financial transaction at an automated teller machine (ATM).
Execution of a financial transaction by authenticating a person to access financial software on a client device.
Use with mobile device integration and remote/cloud database connectivity for reference iris image enrollment and matching logic.
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