Patent ID: 9047604
Filing Date: 2015-06-02
Classification: G06F,G06Q,G07F

Abstract:
1. A computing device implemented method for validating a user, comprising: configuring a biometric profile to include a plurality of biometric sample responses and a plurality of non-biometric sample responses to a respective plurality of questions associated with a user; configuring the biometric profile to include a plurality of voiceprints corresponding to the plurality of biometric sample responses; storing an authentic password associated with the user; receiving an attempt to perform a transaction from a party purporting to be the user; receiving a password attempt from the party; determining whether biometric validation is necessary for authorizing the transaction; wherein determining whether biometric validation is necessary for authorizing the transaction further comprises: determining whether a fraudulent transaction is detected; and performing the biometric validation, when it is determined that biometric validation is necessary for authorizing the transaction, wherein the biometric validation comprises: interrogating the party based on a question randomly selected from the plurality of questions; receiving a biometric or non-biometric response to the question; comparing, when the question corresponds to a biometric sample response, a user voiceprint based on the received biometric response to a corresponding voiceprint from the plurality of voiceprints that is associated with the question; authorizing the transaction when the user voiceprint matches the corresponding voiceprint associated with the question; determining, when the question corresponds to a non-biometric sample response, whether the received non-biometric response matches the non-biometric sample response corresponding to the question; and authorizing the transaction when the received non-biometric response matches the corresponding non-biometric sample response associated with the question and the user.