Abstract—Digital transformation and the rise of electronic payments in the post-COVID19 period require more accurate methods of biometric authentication. Standard biometric authentication methods show limitations when users wear masks and gloves. In this paper, the method of biometric authentication AC-CNN (Adaptive Clustered Convolutional Neural Network) is proposed. AC-CNN is based on the classification of facial images into clusters and their vectorization using previously trained CNN facial recognition models (e.g.VGGFace, ArcFace, DeepFace). After classification, the facial image is vectorized by the CNN algorithm, which shows the best facial recognition accuracy for facial images from that cluster. The registration and verification processes use different types of CNN algorithms. In the process of user identification, after successful user identification, the type of CNN algorithm that was used for that user in the registration process is loaded from the database and the same CNN algorithm will be used in the verification process. In the verification process, the biometric template of the identified user
is compared with the reference biometric template contained in the database and based on their Euclidean distance, a verification decision is calculated. Since the biometric templates of the users in the database are divided into clusters, an allowable decision threshold is calculated separately for each cluster. The results of experimental research show that the presented method allows for increased verification accuracy
even in conditions where the face is masked and when only partial biometric data is available.
Keywords—Biometric authentication, AC-CNN, Face recognition, masked face, partial biometric data