System and method for customer video authentication to prevent identity theft
First Claim
1. A process for preventing identify theft from occurring when an individual attempts to use a financial 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 an 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 and integer 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 and integer data of the personally identifiable information of the individual with corresponding textual data and integer data obtained from the public, private, and internal database servers, wherein the data from the public, private, and internal database servers includes textual data and integer data of the personally identifiable information,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 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 on the authentication server;
communicating, from a merchant server to the authentication server, a financial account number provided by a consumer alleging to be the authenticated holder of the financial account,communicating, from the approved database of the authentication server to the merchant server, the authenticated facial image of the authenticated individual for the communicated financial account number, anddisplaying, on a display at the point of sale, the authenticated facial image communicated from the authentication server so that a comparison can be made with the consumer 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 against a plethora of objective public, private and internal databases 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.
17 Citations
21 Claims
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1. A process for preventing identify theft from occurring when an individual attempts to use a financial 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 an 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 and integer 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 and integer data of the personally identifiable information of the individual with corresponding textual data and integer data obtained from the public, private, and internal database servers, wherein the data from the public, private, and internal database servers includes textual data and integer data of the personally identifiable information, 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 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 on the authentication server; communicating, from a merchant server to the authentication server, a financial account number provided by a consumer alleging to be the authenticated holder of the financial account, communicating, from the approved database of the authentication server to the merchant server, the authenticated facial image of the authenticated individual for the communicated financial account number, and displaying, on a display at the point of sale, the authenticated facial image communicated from the authentication server so that a comparison can be made with the consumer alleging to be the authenticated account holder prior to completion of the transaction. - View Dependent Claims (2, 3, 4, 5)
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6. A process for preventing identity theft from occurring when an individual attempts to use a financial account number in a transaction with a merchant at a point of sale, the process comprising the steps of:
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performing an authentication process on an authentication server when requested by the merchant, the authentication process comprising authenticating that an individual who is attempting to use the financial account number is the account holder of an identified account, the authentication process comprising; providing the authentication server with an inquiry from a merchant at a point of sale for authentication of the individual alleging to be the financial account holder; retrieving authenticated data on the individual from an approved database on the authentication server with the approved database constructed by a pre-authentication process that includes; providing the authentication server with a facial image and personally identifiable information of the individual, wherein the personally identifiable information is textual data and integer data, the authentication server autonomously authenticating the personally identifiable information of the individual by retrieving stored information on the individual from a server database wherein the stored information is obtained by performing a structured query on public, private, and internal database servers; and
comparing the provided textual data and integer data of the personally identifiable information of the individual with the corresponding textual data and integer data of the personally identifiable information that is stored in the server database,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 server database, 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; and communicating to the merchant at the point of sale by the authentication server a message that includes the retrieved authenticated data including the facial image from the approved database 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 (7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification