Patent ID: 8864022
Filing Date: 2014-10-21
Classification: G06Q

Abstract:
1. A portable mobile communication apparatus for authenticating access to a financial institution service associated with an account, the apparatus comprising: a camera; a memory; a processor; and a module stored in the memory, executable by the processor, and configured to: place a first phone call; receive a second phone call; receive a user input configured to request access to the financial institution service; initiate presentation of, using a processor, a first authentication request in an electronic banking environment, wherein the first authentication request prompts a user to initiate capture of an image of a capturable authentication card using the camera; receive the image of the capturable authentication card; initiate presentation of a request prompting the user to initiate capture of an image of the user; extract information from the image of the capturable authentication card, the extracted information comprising an image of an account holder associated with the account; and in response to receiving the image of the capturable authentication card, send, over a mobile communication interface, the extracted information and the captured image of the user to an external apparatus for use by the external apparatus to determine whether the image of the user substantially matches the image of the account holder.