Third-party authentication systems and methods

1. A system, comprising:

an authentication server configured to:

receive, from a customer communication device associated with a customer, current customer authentication data including customer credential information, a personal identification number, and a customer voice sample in response to the customer initiating an online transaction;

receive, from the customer communication device, 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;

gather data regarding locations of previous authentication attempts made by the customer communication device;

perform a comparison of the current location to the locations of the previous authentication attempts;

authenticate the customer based on the customer credential comparison, the customer personal identification number comparison, the comparison of the locations of the previous authentication attempts to the current location, and the voice reference data comparison; and

based on successful authentication, allowing the online transaction to proceed.

2. The system of claim 1 , wherein the customer database comprises the customer reference data for at least one customer in an online transaction.

3. The system of claim 1 , wherein the authentication server accesses the customer database to retrieve the customer reference data.

4. The system of claim 1 , wherein the authentication server interfaces with the customer via the customer communication device to receive the customer authentication data.

5. The system of claim 1 , comprising a call manager comprising a private branch exchange in voice communication with the customer communication device.

6. The system of claim 5 , wherein the call manager receives the customer voice sample from the customer communication device.

7. The system of claim 1 , a messaging server configured to receive the personal identification number generated for a customer.

8. The system of claim 7 , wherein the messaging server is configured to transmit the personal identification number to the customer communication device.

9. The system of claim 7 , 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.

10. The system of claim 1 , comprising a web server configured to generate the personal identification number and transmit the personal identification number to the messaging server.

11. The system of claim 10 , wherein the authentication server is configured to receive the customer authentication data from the web server.

12. The system of claim 1 , wherein the customer voice sample consists of a predetermined word or phrase.

13. The system of claim 12 , wherein the predetermined word or phrase is prompted to the customer communication device.

14. The system of claim 1 , further comprising sending the customer voice sample to the authentication server.

15. A method, comprising:

receiving, by an authentication server, and from a customer communication device associated with a customer, current customer authentication data including customer credential information, a personal identification number, and a customer voice sample in response to the customer initiating an online transaction;

receiving, by the authentication server, a current location of the customer communication device;

performing, by the authentication server, a customer credential comparison of the received customer credential information to pre-stored customer credential information;

performing, by the authentication server, a personal identification number comparison of a received personal identification number to a pre-stored personal identification number associated with the customer;

performing, by the authentication server, 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;

gathering, by the authentication server, data regarding locations of previous authentication attempts made by the customer communication device;

performing, by the authentication server, a comparison of the current location to the locations of the previous authentication attempts;

authenticating, by the authentication server, the customer based on the customer credential comparison, the customer personal identification number comparison, the comparison of the locations of the previous authentication attempts to the current location, and the voice reference data comparison; and

based on successful authentication, allowing the pending transaction to proceed.

16. The method of claim 15 , wherein the customer database comprises the customer reference data for at least one customer in an online transaction.

17. The method of claim 15 , wherein the authentication server accesses the customer database to retrieve the customer reference data.

18. The method of claim 15 , wherein the authentication server interfaces with the customer via the customer communication device to receive the customer authentication data.

19. The method of claim 15 , comprising communicating between a call manager comprising a private branch exchange with the customer communication device.

20. The method of claim 19 , wherein the call manager receives the customer voice sample from the customer communication device.