Abstract: Systems and methods for identifying a customer include storing account information, the account information including one or more associated phone numbers and an account number, the account number having a last 4-digit portion, receiving a phone number, comparing the phone number to the account information of various account holders to determine whether the phone number matches an associated phone number, prompting the user to input 4 digits if there is a match, and comparing the received 4 digits to the respective 4-digit portion to identify the customer.