Bank of America Corporation

Murali Sampath

Glenn Edward Hupfer

Greg M Correro

Kirubel Getachew

Anish Abraham

Andy Anderson

Andrew Benjamin Glassman

Kerry Michelle Cantley

Matthew Joseph Wallace

Jeantou Alphonse DeGrammont

Michael Lee Funk

Donna Lynne Shannon

Manu Jacob Kurian

Eric Justin Bartolucci

Wynton S Taylor

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

A system includes a vision system, a database, a chip reader, and a computer system. The computer system accesses an image of a two-dimensional barcode captured by the vision system and determines barcode information for a group of cards. The barcode information comprises a chip expiration date that applies to the cards in the group of cards. The computer system accesses particular chip information read by the chip reader for a particular card of the group of cards and verifies that the particular chip information matches the barcode information. The computer system updates the database to include the chip expiration date for the group of cards. The computer system analyzes a plurality of chip expiration dates stored in the database and determines, based on the analysis, an order in which to pull groups of cards from inventory in order to issue cards to users.

Chip card imaging and verification system

Card with 2D barcode

An apparatus that includes a vision system configured to capture images of two-dimensional barcodes. The apparatus further includes a processor operably coupled to the vision system and a network interface. The processor is configured to process a captured image of a two-dimensional barcode on a card to obtain card processing information, to obtain user information for a user associated with the card, and to combine the card processing information with the user information to generate a resolution request message. The network interface is configured to send the resolution request message to an institution associated with the card.

Resolving card malfunctions using card information access control

A card generating system that includes a card information database and a card processing system. The card processing system comprises an interface, a vision system, a processor, and card processing hardware. The interface is configured to receive card requests. The vision system is configured to process two-dimensional barcodes to obtain card feature data. The processor is operably coupled to the interface, the vision system, and card processing hardware. The processor is configured to select a card comprising a two-dimensional barcode based on the card request and to obtain a card data file corresponding with the card request. The processor is further configured to compare card feature data to the card data file and to determine whether the card feature data corresponds with the card data file. The card processing hardware is configured to process the card in response a determining the card feature data corresponds with the card data file.

Card issuance using card feature verification

A device/object is paired to one or more communication devices for the purpose of activating and/or deactivating the device/object. Such activation of the device/object requires that the paired devices be in concurrent possession of the user (i.e., within a specified range of the user) and that, while in concurrent possession of the user, communicate information from the device/object to the communication device. Thus, the invention provides for additional security, in that two or more devices must in the possession of the user (or within the specified range of the user), and communicating with one another, in order for one of the paired devices to be in activated state.

Pairing of devices for activation/deactivation of a paired device

Growing community of inventors

Flower Mound, TX, United States of America

Murali Sampath