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1. 发明申请

US20150081495A1 System and Method for Account Succession 审中-公开
标题翻译：帐户继承的系统和方法
公开(公告)号：US20150081495A1
公开(公告)日：2015-03-19
申请号：US14031422
申请日：2013-09-19
申请人： Barclays Bank PLC
发明人： Lee Randall
IPC分类号： G06Q40/02 , G10L17/00
CPC分类号： G06Q40/02
摘要： A system for secured succession of a user account to an authorized successor, including a database storing data identifying a registered successor for an account and associated data defining a biometric signature of the registered successor, a verification module configured to verify the identity of the registered successor based on the biometric signature, and an account transfer module configured to receive an instruction to transfer the account to the registered successor, and to transfer the account to the registered successor after verification of the identity of the successor by the verification module.
摘要翻译：一种用于将用户帐户安全地继承给授权的后继者的系统，包括存储识别帐户的注册后继者的数据的数据库和定义所注册的后继者的生物特征签名的相关联的数据，被配置为验证注册的后继者的身份的验证模块基于所述生物特征签名，以及帐户转移模块，被配置为接收将所述帐户转移到所述注册后继者的指令，并且在所述验证模块验证所述后继者的身份之后将所述帐户转移到所述注册后继者。

2. 发明授权

US09830440B2 Biometric verification using predicted signatures 有权
公开(公告)号：US09830440B2
公开(公告)日：2017-11-28
申请号：US14038073
申请日：2013-09-26
申请人： Barclays Bank PLC
发明人： Lee Randall
IPC分类号： G06F21/32 , G10L17/04 , G10L25/51
CPC分类号： G06F21/32 , G10L17/04 , G10L25/51
摘要： A computer-implemented biometric identity verification method including the steps of storing a database of registered users, including data identifying profile attributes of each registered user and a respective plurality of stored biometric signatures, each stored biometric signature associated with a corresponding one or more of the profile attributes. A predicted biometric signature is derived for a requesting user when it is determined that a period of time has elapsed since the requesting user's stored biometric signature was last updated, by adapting the stored biometric signature based on biometric variances derived from a biometric peer group of registered users with at least one profile attribute in common with the requesting user. The predicted biometric signature is used to verify the identity of the requesting user.

3. 发明申请

US20150067822A1 Biometric Verification Using Predicted Signatures 有权
标题翻译：使用预测签名的生物特征验证
公开(公告)号：US20150067822A1
公开(公告)日：2015-03-05
申请号：US14038073
申请日：2013-09-26
申请人： Barclays Bank PLC
发明人： Lee Randall
IPC分类号： G06F21/32
CPC分类号： G06F21/32 , G10L17/04 , G10L25/51
摘要： A computer-implemented biometric identity verification method including the steps of storing a database of registered users, including data identifying profile attributes of each registered user and a respective plurality of stored biometric signatures, each stored biometric signature associated with a corresponding one or more of the profile attributes. A predicted biometric signature is derived for a requesting user when it is determined that a period of time has elapsed since the requesting user's stored biometric signature was last updated, by adapting the stored biometric signature based on biometric variances derived from a biometric peer group of registered users with at least one profile attribute in common with the requesting user. The predicted biometric signature is used to verify the identity of the requesting user.
摘要翻译：一种计算机实施的生物特征识别验证方法，包括以下步骤：存储注册用户的数据库，包括识别每个注册用户的简档属性的数据和相应的多个存储的生物测定签名，每个存储的生物特征签名与相应的一个或多个配置文件属性。当确定从请求用户存储的生物特征签名最后被更新以来已经过去了一段时间时，通过根据从所注册的生物识别对象组生物特征对等体组中导出的生物特征方差修改存储的生物识别签名，为所述请求用户导出预测的生物特征签名具有与请求用户相同的至少一个简档属性的用户。预测的生物识别签名用于验证请求用户的身份。

4. 发明申请

US20150032628A1 Payment Authorization System 审中-公开
标题翻译：付款授权系统
公开(公告)号：US20150032628A1
公开(公告)日：2015-01-29
申请号：US14444398
申请日：2014-07-28
申请人： Barclays Bank PLC
发明人： Lee Randall
IPC分类号： G06Q20/40
CPC分类号： G06Q20/40 , G06Q20/4016 , G06Q50/01
摘要： A payment system determines a required level of authentication for a payment transaction by a candidate consumer, based on a correlation with transactions by other consumers related to the candidate consumer, identified for example from one or more social networks. The correlation may be based on geographical location, time and/or type of transaction. A high correlation may indicate a group activity which requires a lower level of authentication.
摘要翻译：基于与例如从一个或多个社交网络识别的与候选消费者相关的其他消费者的交易的相关性，支付系统确定候选消费者的支付交易的所需认证水平级别。相关性可以基于地理位置，时间和/或交易类型。高相关性可以指示需要较低级别认证的组活动。

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