Patent ID: 8443202
Filing Date: 2013-05-14
Classification: G06F,G06Q,H04L

Abstract:
1. A method for authenticating users that reduces transaction risks comprising: indicating a desire to conduct at least one transaction at a workstation and determining whether the at least one transaction requires access to protected resources, such that when the at least one transaction requires access to protected resources information is manually input into the workstation by a workstation user; determining whether the inputted information is known and determining a state of a communications device when the inputted information is known; extracting a level of risk from a biometric authentication request transmitted from a server and determining a biometric authentication data requirement corresponding to the extracted level of risk at an authentication system; generating a biometric authentication data capture request in response to the authentication request, and transmitting the biometric authentication data capture request to the communications device, wherein the communications device is associated with one of a plurality of authorized users and the one authorized user is associated with the inputted information; and obtaining the biometric authentication data capture request transmission, capturing biometric authentication data in accordance with the biometric authentication data capture request from the workstation user with the communications device, and transmitting the captured biometric authentication data from the communications device to the authentication system.