Third-party authentication systems and methods
View Patent ↗The illustrative embodiments described herein provide systems and methods for authenticating a customer in an online transaction. In one embodiment, a method includes initiating, in conjunction with an online transaction, an authentication query via a communication device associated with a customer in the online transaction, receiving customer authentication data from the communication device, sending the customer authentication data to a third-party authentication server to authenticate the customer using the customer authentication data, receiving a determination from the third-party authentication server whether the customer is authenticated, and allowing the online transaction to proceed in response to receiving the determination that the customer is authenticated.
1. A online transaction authentication system to authenticate a customer, the online transaction authentication system comprising:
a messaging server configured to
receive a personal identification number generated for the customer, and
transmit the personal identification number to a customer communication device;
a web server configured to
interface with the customer communication device in an online transaction and to collect customer authentication data from the customer communication device comprising customer credential information, the personal identification number and a customer voice sample of a predetermined word or phrase prompted to the customer communication device; and
an authentication server configured to
generate the personal identification number and transmit the personal identification number to the messaging server,
receive the customer authentication data from the web server,
receive a current location of the customer communication device,
perform a customer credential comparison of the received customer credential information to pre-stored customer credential information,
perform a personal identification number comparison of a received personal identification number to a pre-stored personal identification number associated with the customer,
perform a customer voice sample comparison of a received customer voice sample to a pre-stored customer voice sample stored in a customer reference data of a customer database,
perform a comparison of the current location to at least one of previous authentication attempts and transactions attempted by the customer communication device,
authenticate the customer based on the customer credential comparison and the customer personal identification number comparison, the current location comparison and the voice reference data comparison.
2. The online transaction authentication system of claim 1 , wherein
the customer database comprises the customer reference data for a set of customers including the customer in the online transaction, wherein the authentication server accesses the customer database to retrieve the customer reference data.
3. The online transaction authentication system of claim 1 ,
wherein the authentication server interfaces with the customer via the customer communication device to receive the customer authentication data.
4. The online transaction authentication system of claim 1 , further comprising:
a call manager comprising a private branch exchange in voice communication with the customer communication device, the call manager receiving the customer voice sample from the customer communication device, and sending the customer voice sample to the authentication server, wherein the authentication server compares the customer voice sample to a pre-stored customer voice sample to authenticate the customer.
5. The online transaction authentication system of claim 1 , wherein the messaging server sends the personal identification number to the customer communication device using at least one of the following: e-mail, text message, or phone call.