Authentication via biometric passphrase

Abstract

A system, method and computer program product for granting access and/or an authorization according to a biometric identifier are disclosed. In one non-limiting example, a system comprises a computing device that is configured to receive a plurality of data elements for a registered biometric identifier. The plurality of data elements corresponds to a plurality of biometric characteristics of a user. The registered biometric identifier is generated based on the user-defined sequence. The registered biometric identifier is linked to a transaction account associated with the user. A request to modify the registered biometric identifier is received. The request includes a user-defined configuration of the individual ones of the plurality of data elements. A modified biometric identifier is generated based on the user-defined configuration. The modified biometric identifier to the transaction account is linked.

Therefore, the following is claimed: 
     
         1 . A method, comprising:
 receiving, by at least one computing device, a user-defined sequence of individual ones of a plurality of data elements for a registered biometric identifier, wherein the plurality of data elements corresponds to a plurality of biometric characteristics of a user;   generating, by the at least one computing device, the registered biometric identifier based on the user-defined sequence;   linking, by the at least one computing device, the registered biometric identifier to a transaction account associated with the user;   receiving, by the at least one computing device, a request to modify the registered biometric identifier, the request including a user-defined configuration of the individual ones of the plurality of data elements;   generating, by the at least one computing device, a modified biometric identifier based on the user-defined configuration; and   linking, by the at least one computing device, the modified biometric identifier to the transaction account.   
     
     
         2 . The method of  claim 1 , further comprising:
 generating, by the at least one computing device, a second registered biometric identifier based at least in part on a second user-defined sequence of the plurality of data elements; and   linking, by the at least one computing device, the second registered biometric identifier to a second transaction account associated with the user.   
     
     
         3 . The method of  claim 1 , wherein the plurality of biometric characteristics include at least one of a fingerprint, a facial scan, an ear scan, a vascular pattern, a DNA sample, a hand geometry, a typing style, or a voice sample. 
     
     
         4 . The method of  claim 1 , wherein linking the registered biometric identifier with the transaction account comprises storing the registered biometric identifier in a database associated with the transaction account. 
     
     
         5 . The method of  claim 1 , wherein the registered biometric identifier comprises a first registered biometric identifier, and further comprising:
 receiving, by the at least one computing device, a transaction request including the transaction account and a second registered biometric identifier provided by the user;   comparing, by the at least one computing device, the first registered biometric identifier with the second biometric identifier; and   authorizing, by the at least one computing device, the transaction request based at least in part on the first registered biometric identifier matching the second registered biometric identifier.   
     
     
         6 . The method of  claim 5 , further comprising:
 generate a confidence factor based at least in part on comparing the first registered biometric identifier and the second registered biometric identifier, the transaction request being authorized in response to the confidence factor being within a predefined threshold.   
     
     
         7 . The method of  claim 5 , wherein authorizing the transaction request is further based at least in part on at least one of: a quality of the plurality of data elements, an orientation of a capture of the plurality of biometric characteristics, or a sequencing of the plurality of data elements. 
     
     
         8 . A system, comprising:
 a computing device; and   an application executable on the computing device, wherein, when executed, the application causes the computing device to at least:
 receive a user-defined sequence of individual ones of a plurality of data elements for a registered biometric identifier, wherein the plurality of data elements corresponds to a plurality of biometric characteristics of a user; 
 generate the registered biometric identifier based on the user-defined sequence; 
 link the registered biometric identifier to a transaction account associated with the user; 
 receive a request to modify the registered biometric identifier, the request including a user-defined configuration of the individual ones of the plurality of data elements; 
 generate a modified biometric identifier based on the user-defined configuration; and 
 link the modified biometric identifier to the transaction account. 
   
     
     
         9 . The system of  claim 8 , wherein the plurality of biometric characteristics comprise at least one of: a fingerprint, a facial scan, an ear scan, a vascular pattern, a DNA sample, a hand geometry, a typing style, or a voice sample. 
     
     
         10 . The system of  claim 8 , wherein the registered biometric identifier comprises a first registered biometric identifier, and the application executable on the computing device, wherein, when executed, the application causes the computing device to at least:
 receive a transaction request including the transaction account and a second registered biometric identifier provided by the user;   compare the first registered biometric identifier with the second registered biometric identifier; and   authorize the transaction request based at least in part on the first registered biometric identifier matching the second registered biometric identifier.   
     
     
         11 . The system of  claim 10 , wherein authorizing the transaction request is further based at least in part on at least one of: a quality of the plurality of data elements, an orientation of a capture of the plurality of biometric characteristics, or a sequencing of the plurality of data elements. 
     
     
         12 . The system of  claim 10 , wherein, when executed, the application causes the computing device to at least:
 generate an authorization message in response to authorizing the transaction request; and   transmit the authorization message to a client device.   
     
     
         13 . The system of  claim 10 , wherein, when executed, the application causes the computing device to at least:
 generate a confidence factor based at least in part on a comparison of the first registered biometric identifier and the second registered biometric identifier, the transaction request being authorized in response to the confidence factor being within a predefined threshold.   
     
     
         14 . The system of  claim 8 , wherein, when executed, the application causes the computing device to at least:
 generate a second registered biometric identifier based at least in part on a second user-defined sequence of the plurality of data elements; and   link the second registered biometric identifier to a second transaction account associated with the user.   
     
     
         15 . The system of  claim 8 , wherein the plurality of biometric characteristics include at least one of a fingerprint, a facial scan, an ear scan, a vascular pattern, a DNA sample, a hand geometry, a typing style, or a voice sample. 
     
     
         16 . The system of  claim 8 , wherein linking the registered biometric identifier with the transaction account comprises storing the registered biometric identifier in a database associated with the transaction account. 
     
     
         17 . A method, comprising:
 registering, by at least one computing device, a first biometric identifier with a transaction account associated with a user based at least in part on a registration request, the registration request including a user-defined sequence for a first plurality of data elements corresponding to a first plurality of biometric characteristics, the first biometric identifier being stored in association with the transaction account in a database;   receiving, by the at least one computing device, a transaction request including the transaction account and a second biometric identifier provided by the user, the second biometric identifier including a second plurality of data elements corresponding to a second plurality of biometric characteristics;   obtaining, by the at least one computing device, the first biometric identifier from the database;   comparing, by the at least one computing device, the first biometric identifier with the second biometric identifier; and   authorizing, by the at least one computing device, the transaction request based at least in part on the first biometric identifier matching the second biometric identifier.   
     
     
         18 . The method of  claim 17 , further comprising:
 receiving, by the at least one computing device, a request to modify the first biometric identifier, the request including a user-defined configuration of individual ones of the plurality of data elements;   generating, by the at least one computing device, a modified biometric identifier based on the user-defined configuration; and   linking, by the at least one computing device, the modified biometric identifier to the transaction account.   
     
     
         19 . The method of  claim 17 , wherein the first plurality of biometric characteristics comprise at least one of: a fingerprint, a facial scan, an ear scan, a vascular pattern, a DNA sample, a hand geometry, a typing style, or a voice sample. 
     
     
         20 . The method of  claim 17 , further comprising:
 generating, by the at least one computing device, a confidence score based at least in part on comparing the first biometric identifier with the second biometric identifier, wherein authorizing the transaction request occurs in response to the confidence score meeting or exceeding a predefined threshold.