TRANSACTION AUTHENTICATION PLATFORM USING VIDEO
First Claim
1. A system to facilitate transaction authentication using video, comprising:
- a video transaction authentication engine operable to process video data;
an instruction set comprising at least one instruction to instruct the video transaction authentication engine to process video data to generate and store a trust capsule for a first cooperating party,wherein the video transaction authentication engine provides the stored trust capsule data to a second cooperating party as part of transaction authentication being performed by the second cooperating party comprising,comparing received trust capsule data by the second cooperating party with features of the first cooperating party observed by the second cooperating party.
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Accused Products
Abstract
A transaction authentication platform using video is provided. In an illustrative implementation, a computing environment comprises a video transaction authentication engine and an instruction set comprising at least one instruction to the video transaction authentication to process, store, manage, and monitor data representative of video transaction authentication requests to generate a trust capsule representative of video authentication trust for a consumer. Consumers, merchants, and transaction processors can illustratively cooperate with the video transaction authentication engine as part of transaction fulfillment and reconciliation. Illustratively, a merchant can request generated trust capsule data for a consumer and compare the received data with the consumer at the point of sale to determine whether to fulfill a transaction. Additionally, the video data about a consumer can be captured at the point of sale and stored as part of a transaction dispute resolution process.
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Citations
20 Claims
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1. A system to facilitate transaction authentication using video, comprising:
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a video transaction authentication engine operable to process video data; an instruction set comprising at least one instruction to instruct the video transaction authentication engine to process video data to generate and store a trust capsule for a first cooperating party, wherein the video transaction authentication engine provides the stored trust capsule data to a second cooperating party as part of transaction authentication being performed by the second cooperating party comprising, comparing received trust capsule data by the second cooperating party with features of the first cooperating party observed by the second cooperating party. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for facilitating transaction authentication using video comprising:
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receiving electronic video data of a consumer; processing the electronic video data of the consumer to generate a trust capsule for the consumer; storing the generated trust capsule of the consumer; requesting, by a merchant, trust capsule data for the consumer; providing the stored trust capsule to the merchant; and comparing by the merchant received trust capsule data of the consumer with one or more features of the consumer as observed by the merchant as part of transaction authentication. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. In a computing environment, a method to perform transaction authentication comprising:
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receiving electronic video data of a consumer; processing the electronic video data of the consumer to establish a trust capsule for the consumer; storing the generated trust capsule for the consumer; responsive to a request for video transaction authentication for the consumer, the request having point-of-sale/time-of-sale captured video data of the consumer, comparing the video data from the received request for video transaction authentication with the stored trust profile of the consumer; and providing data representative of the authentication of the transaction based on the results of the comparison of the video data from the received request for video transaction authentication with the stored trust profile of the consumer.
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Specification