Patent ID: 7865937
Filing Date: 2011-01-04
Classification: G06Q,H04L

Abstract:
1. A system for authenticating users that reduces transaction risks, said system comprising: a computer configured as a server, said server including at least a database, said server being configured to store within said database protected resources, to determine whether at least one transaction requires access to the protected resources when a workstation user indicates a desire to conduct the at least one transaction, to receive information inputted by the workstation user and to determine whether the inputted information is known; at least one workstation comprising at least a workstation computer operationally coupled to said server, said at least one workstation being configured to receive information input by the workstation user, wherein said at least one workstation, said server and a network comprise a first communications channel; an authentication system including an authentication database, said authentication system being configured to communicate with said server, to store within said authentication database biometric authentication data and personal data associated with each of a plurality of authorized users, to verify that the at least one transaction is pending, and to initiate a biometric authentication process over a second communications channel in response to a communication from said first communications channel; and a communications device included in said second communications channel, said communications device being associated with one of the plurality of authorized users and being configured to communicate with said authentication system over said second communications channel, to receive a biometric authentication data capture request generated by said authentication system and transmitted over said second communications channel from said authentication system, to capture biometric authentication data from the workstation user in accordance with the biometric authentication data capture request, and transmit the captured biometric data to said authentication system over said second communications channel, wherein