Bank of America Corporation
System for user authentication based on linking a randomly generated number to the user and a physical item

Abstract:

A system for authenticating recipients of a physical item based on generating a random number and linking the random number to the physical item and the intended recipient. Once the intended recipient is in possession of the physical item and the generated random number, the intended recipient is authorized for the purpose of using/processing the physical item by presenting the random number for recipient authentication. In other specific embodiments of the invention, the physical item is generated with the random number included in place of personal information associated with the provider.