What is disclosed is a system and method for selecting the optimal wavelength ban combination for a multi-band infrared camera system which is optimized for skin detection. An objective function is constructed specifically for this application from classified performance and the algorithm generates wavelengths by maximizing the objective function. A specific wavelength band combination is selected which maximizes the objective function. Also disclosed is a 3-band and 4-band camera system with filters each having a transmittance of one of a combination of wavelength bands optimized to detect skin in the infrared band. The camera systems disclosed herein find their intended uses in a wide array of vehicle occupancy detection systems and applications. Various embodiments are disclosed.