System and method for user identification and authentication

摘要

Systems and methods for user identification and authentication are disclosed. In one embodiment, a method of authenticating a first party to a second party may include the following: (1) receiving, from one of an electronic device of a first party and an electronic device of a second party, a request to generate authenticating indicia; (2) using at least one of a plurality of computer processors, generating the authenticating indicia; (3) transmitting, over a network, the authenticating indicia to the electronic device of a first party and to the electronic device of the second party; (4) receiving, from an electronic device of the second party, an indication that the second party has confirmed that the first party is authentic; and (5) storing an identity of the first party, the second party, and the authenticating indicia in a database.

主权项

1. A method of providing first party information to a second party, comprising:
receiving, at a web interface for a second party, account login information from an electronic device for a first party; receiving, at the web interface, an electronic request from the first party to contact an agent of the second party; at least one computer processor for the second party generating identifying indicia to identify the first party to the second party; the second party transmitting, over a network, the identifying indicia to the electronic device of a first party; the at least one computer processor for the second party associating the account information for the first party with the identifying indicia; receiving, at a voice response system for the second party, a communication from the first party comprising the identifying indicia; the at least one computer processor retrieving the account information associated with the identifying indicia; the at least one computer processor transferring the communication to the agent for the second party; and the at least one computer processor electronically providing the account information for the first party to a computer terminal associated with the agent for the second party.