SYSTEMS AND METHODS FOR USER AUTHENTICATION BASED ON BIOMETRIC DATA AND DEVICE DATA Russian patent published in 2020 - IPC G06F21/40 G06Q20/40 

FIELD: computer equipment.

SUBSTANCE: disclosed is a data controller (DC) system for user authentication, comprising one or more data controller (DC) computing devices, wherein one or more DC computing devices comprise at least one processor and memory, wherein one or more DC computing devices are configured to: receive, as part of user registration process for digital wallet, first cryptographic key data including encrypted biometric data on device, a first device identifier and a first account identifier; store first data of cryptographic key in database, which is in communication with said one or more DC computing devices, as historical data of cryptographic key; receive authentication request message for payment transaction, including cryptographic key second data, wherein the second cryptographic key data includes a second device identifier and a second account identifier; correlate second cryptographic key data with cryptographic key historical data; determine a fraud score for a payment transaction, wherein evaluation of fraud is determined based on said correlation of cryptographic keys data; automatically generate an authentication response message in response to the authentication request message, wherein the authentication response message includes a fraud estimate; transmit an authentication response message; receive third cryptographic key data, wherein the third cryptographic key data refer to the previously approved authentication request; determining that the third cryptographic key data are not consistent with the cryptographic key historical data from the user registration process for the digital wallet; and expand cryptographic key historical data by including third cryptographic key data therein.

EFFECT: technical result is providing user authentication.

20 cl, 7 dwg