Bank of America Corporation
Automatic User Identification and Authentication System

Abstract:

A system strengthens the identification and authentication process by bringing in additional information about the user that was previously unused. The merchant in the system first provides a pre-authentication token generated using the information provided through the user's payment card. If a processing server and/or identification server validate that information, the pre-authentication token is communicated back to the merchant. The merchant then initiates a pre-authentication session and provides in that session information about the user in the merchant's possession (e.g., information gleaned from security camera footage like apparent age, height, gender, license plate number, hairstyle, etc.) The pre-authentication session is then communicated to the processing server and/or identification server to be used to further identify and authenticate the user.