Bank of America Corporation

Michael Lee Funk

Kerry Michelle Cantley

Murali Sampath

Glenn Edward Hupfer

Greg M Correro

Matthew Joseph Wallace

Jeantou Alphonse DeGrammont

Donna Lynne Shannon

Systems, computer products, and methods are described herein for improved authentication utilizing two factor authentication of a user. The two factors include a verified identification and a liveness identification. The verified identification may be a governmental verified identification, and the liveness identification may be a video of the user. The user may capture the verified identification and the liveness identification using the user's mobile device. The organization may authenticate the user by identifying the user from the verified identification image and identifying that the user is active by identifying movement from the liveness identification image. Additional authentication may include requiring and/or identifying an identifier from the liveness identification image (e.g., movement, object, characters, or the like), and/or capture image data related to a time or a location at which the images were captured.

System for electronic authentication with live user determination

System for provisioning and allowing secure access to a virtual credential

Growing community of inventors

Hockessin, DE, United States of America

Michael Lee Funk