Granted Patent B2

US 12,652,280 · App. 17/980,775 · Granted Jun 9, 2026

Inventors: Gerardo Gean (Plano, TX); Raghu Vudathu (Downingtown, PA)

Assignee: JPMORGAN CHASE BANK, N.A.

H04L63/083H04L63/0853

Abstract

Claims (41)

1 . A method for authenticating an identification, the method being implemented by at least one processor, the method comprising:

receiving, by the at least one processor from a user, a request for an interaction;

displaying, by the at least one processor, a user interface that includes a plurality of user-selectable options for proving an identity of the user;

receiving, by the at least one processor from the user via the user interface, a selection of one of the plurality of user-selectable options;

accessing, by the at least one processor from the user, first information that corresponds to the selected option;

retrieving, by the at least one processor from a database, second information that corresponds to the selected option;

comparing, by the at least one processor, the accessed first information with the retrieved second information; and

determining, by the at least one processor, whether to authenticate the identity of the user based on a result of the comparing,

wherein the plurality of user-selectable options includes each of a name of the user, a home address of the user, a date of birth of the user, an email address of the user, a telephone number of the user, an account number associated with the user, and an answer to a predetermined security question associated with the user, and

wherein the accessing of the first information comprises extracting the first information from a card that is associated with the user and that is assigned a unique identifier that is associated with each of a first personal identification number (PIN) that is usable for accessing a first subset of the first information and a second PIN that is usable for accessing a second subset of the first information.

2 . The method of claim 1 , wherein the first information includes at least one from among the name of the user, the home address of the user, the date of birth of the user, the email address of the user, the telephone number of the user, the account number associated with the user, and the answer to the predetermined security question associated with the user.

3 . The method of claim 1 , wherein an access to the database is controlled by a financial institution that administers an account associated with the user.

4 . A computing apparatus for authenticating an identification, the computing apparatus comprising:

a processor;

a memory; and

a communication interface coupled to each of the processor and the memory,

wherein the processor is configured to:

receive, from a user via the communication interface, a request for an interaction;

display a user interface that includes a plurality of user-selectable options for proving an identity of the user;

receive, from the user via the user interface, a selection of one of the plurality of user-selectable options;

access, from the user, first information that corresponds to the selected option;

retrieve, from an external database, second information that corresponds to the selected option;

compare the accessed first information with the retrieved second information; and

determine whether to authenticate the identity of the user based on a result of the comparison,

wherein the plurality of user-selectable options includes each of a name of the user, a home address of the user, a date of birth of the user, an email address of the user, a telephone number of the user, an account number associated with the user, and an answer to a predetermined security question associated with the user, and

wherein the accessing of the first information comprises extracting the first information from a card that is associated with the user and that is assigned a unique identifier that is associated with each of a first personal identification number (PIN) that is usable for accessing a first subset of the first information and a second PIN that is usable for accessing a second subset of the first information.

5 . The computing apparatus of claim 4 , wherein the first information includes at least one from among the name of the user, the home address of the user, the date of birth of the user, the email address of the user, the telephone number of the user, the account number associated with the user, and the answer to the predetermined security question associated with the user.

6 . The computing apparatus of claim 4 , wherein an access to the external database is controlled by a financial institution that administers an account associated with the user.

7 . A card, comprising:

a processor configured to facilitate a communication with a point-of-sale device; and

an electronic storage mechanism configured to store first information that relates to an identity of a user of the card,

wherein the processor is further configured to:

transmit, to the point-of-sale device, a request for an interaction;

receive, from the point-of-sale device, a request for at least one information item included in the first information; and

transmit, to the point-of-sale device, the requested at least one information item,

wherein the card is usable for initiating an identity authentication operation for enabling the interaction to proceed based on the first information, and

wherein the first information includes at least one from among a home address of the user, a date of birth of the user, an account number associated with the user, and an answer to a predetermined security question associated with the user, and

wherein the card is assigned a unique identifier that is associated with each of a first personal identification number (PIN) that is usable for accessing a first subset of the first information and a second PIN that is usable for accessing a second subset of the first information, and

wherein the processor is further configured to: after the receiving of the request and before the transmitting of the at least one information item, when the at least one information item is included in the first subset, extract the at least one information item when the request includes the first PIN, and when the at least one information item is included in the second subset, extract the at least one information item when the request includes the second PIN and the second PIN.

8 . The card of claim 7 , wherein the electronic storage mechanism includes an electronic chip that is embedded in the card, and wherein the processor is further configured to facilitate the communication with the point-of-sale device when a portion of the card that includes the embedded electronic chip is inserted into a reader that is connected to the point-of-sale device.

9 . The card of claim 7 , wherein the point-of-sale device comprises at least one from among a conventional point-of-sale terminal, a dongle that is attachable to an electronic device that includes at least one from among a smart phone, a tablet, and a computer terminal, and a biometric device that is configured to recognize a user via at least one from among a fingerprint, a thumb print, a palm, an iris recognition, and a facial recognition.

Assignments (1)

Continuity (1)

References Cited (14)