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System and method for customer video authentication to prevent identity theft

  • US 9,530,132 B2
  • Filed: 01/27/2004
  • Issued: 12/27/2016
  • Est. Priority Date: 01/27/2004
  • Status: Active Grant
First Claim
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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:

  • 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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