Online account authentication and anti-fraud system and method

A system, comprising:

• a first database storing a plurality of customer profiles corresponding to a plurality of online accounts;
• a second database storing a plurality of alias customer profiles corresponding to the plurality of customer profiles;
• first processing circuitry configured to:
• receive authentication data in association with an online account of the plurality of online accounts, the authentication data including first data indicative of an online account username and second data indicative of an online account password or an answer to an online account authentication question;
• locate, in the first database and based on the first data, a customer profile of the plurality of customer profiles;
• locate, in the customer profile, third data indicative of a reference online account password or a reference answer to the online account authentication question;
• determine a correspondence between the second data and the third data;
• and
• locate, in the customer profile and in response to determining the correspondence, alias authentication data including an alias online account username and an alias online account password or an alias answer to the online account authentication question;
• and second processing circuitry configured to:
• receive the alias authentication data from the first processing circuitry;
• locate, in the second database and based on the alias online account username, an alias customer profile of the plurality of alias customer profiles, the alias customer profile corresponding to the customer profile;
• locate, in the alias customer profile, a reference alias online account password or a reference alias answer to the online account authentication question;
• and
• determine an additional correspondence between:
• the alias online account password or the alias answer;
• and
• the reference alias online account password or the reference alias answer,
• wherein the first processing circuitry, the second processing circuitry, or both are configured to:
• identify an attempt by a third party device to fraudulently access the online account in response to receiving, from the third party device, third party device data corresponding to the alias authentication data;
• block the third party device from accessing the online account in response to identifying the attempt by the third party device to fraudulently access the online account;
• permit the third party device to access a false account in response to identifying the attempt by the third party device to fraudulently access the online account;
• and
• prompt the third party device to activate a camera or a microphone in response to identifying the attempt by the third party device to fraudulently access the online account.

One or more tangible, non-transitory, computer-readable media storing instructions thereon that, when executed by one or more processors, are configured to cause the one or more processors to:

• receive, from an electronic device, authentication data including first data indicative of an online account username and second data indicative of an online account password or an answer to an online account authentication question;
• locate, in a first database and based on the first data, a customer profile corresponding to the online account;
• locate, in the customer profile, third data indicative of a reference online account password or a reference answer to the online account authentication question;
• determine a correspondence between the second data and the third data;
• locate, in the customer profile and in response to determining the correspondence, alias authentication data including an alias online account username and alias online account password or an alias answer to the online account authentication question;
• locate, in a second database and based on the alias online account username, an alias customer profile corresponding to the customer profile;
• locate, in the alias customer profile, a reference alias online account password or a reference alias answer to the online account authentication question;
• determine an additional correspondence between the alias online account password and the reference alias online account password, or between the alias answer and the reference alias answer;
• authenticate the electronic device in response to determining the additional correspondence;
• identify an attempt by a third party device to fraudulently access the online account in response to receiving, from the third party device, third party device data corresponding to data stored in the alias customer profile;
• block the third party device from accessing the online account in response to identifying the attempt by the third party device to fraudulently access the online account;
• permit the third party device to access a false account in response to identifying the attempt by the third party device to fraudulently access the online account;
• and
• prompt the third party device to activate a camera or a microphone in response to identifying the attempt by the third party device to fraudulently access the online account.