System and method for customer video authentication to prevent identity theft
First Claim
1. A process for preventing identity theft from occurring when an imposter attempts to use a non-checking account number in a transaction with a merchant at a point of sale, the process comprising the steps of:
- performing a pre-authentication process on authentication server, the pre-authentication process authenticating that an individual is the account holder of an identified account the pre-authentication process comprising;
providing the authentication server with a facial image and personally identifiable information of the individual, wherein the personally identifiable information is textual data,the authentication server autonomously authenticating the personally identifiable information of the individual by performing a structured query on public, private, and internal database servers and comparing the textual data of the personally identifiable information of the individual with corresponding textual data of the personally identifiable information stored in the public, private, and internal database servers,the authentication server autonomously authenticating the facial image of the individual by performing facial recognition on an internal database server and comparing key pixel data of the facial image of the individual with corresponding key pixel data of the facial images stored in the internal database server,wherein the individual is authenticated as the account holder if the personally identifiable information structured query and the facial recognition process do not find conflicting data;
storing the authenticated facial image and the authenticated personally identifiable information of the authenticated account holder in an approved database associated with the authentication server;
receiving a request transmitted by a merchant computer, associated with the merchant, regarding use of the non-checking account number by a customer at the point of sale, wherein the request includes the non-checking account number;
matching the non-checking account number included in the request to the identified account of the authenticated account holder in the approved database;
retrieving the authenticated facial image of the authenticated account holder from the approved database; and
transmitting a message that includes the retrieved authenticated facial image over the Internet to the merchant computer that displays the facial image at the merchant computer at the point of sale for image comparison purposes with the customer alleging to be the authenticated account holder prior to completion of the transaction.
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Accused Products
Abstract
A system for pre-authenticating a magnetic stripped card or smart card holder for a non-checking account transaction at the point-of-sale that includes a database that contains sensitive data, corresponding to digital photographic images of said account holders that employs a pre-authentication process whereby all account holders undergo a meticulous comparison with their submitted data and image against a plethora of objective public, private and internal databases and against a gallery of images, in that order, culminating in a video displayed image at some point in the future enabling a merchant to make a visual comparison of the account holder either on site or during a mail order or telephone order transaction corresponding to the pre-authenticated image to prevent identity theft.
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Citations
18 Claims
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1. A process for preventing identity theft from occurring when an imposter attempts to use a non-checking account number in a transaction with a merchant at a point of sale, the process comprising the steps of:
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performing a pre-authentication process on authentication server, the pre-authentication process authenticating that an individual is the account holder of an identified account the pre-authentication process comprising; providing the authentication server with a facial image and personally identifiable information of the individual, wherein the personally identifiable information is textual data, the authentication server autonomously authenticating the personally identifiable information of the individual by performing a structured query on public, private, and internal database servers and comparing the textual data of the personally identifiable information of the individual with corresponding textual data of the personally identifiable information stored in the public, private, and internal database servers, the authentication server autonomously authenticating the facial image of the individual by performing facial recognition on an internal database server and comparing key pixel data of the facial image of the individual with corresponding key pixel data of the facial images stored in the internal database server, wherein the individual is authenticated as the account holder if the personally identifiable information structured query and the facial recognition process do not find conflicting data; storing the authenticated facial image and the authenticated personally identifiable information of the authenticated account holder in an approved database associated with the authentication server; receiving a request transmitted by a merchant computer, associated with the merchant, regarding use of the non-checking account number by a customer at the point of sale, wherein the request includes the non-checking account number; matching the non-checking account number included in the request to the identified account of the authenticated account holder in the approved database; retrieving the authenticated facial image of the authenticated account holder from the approved database; and transmitting a message that includes the retrieved authenticated facial image over the Internet to the merchant computer that displays the facial image at the merchant computer at the point of sale for image comparison purposes with the customer alleging to be the authenticated account holder prior to completion of the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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Specification