USING MIX-MEDIA FOR PAYMENT AUTHORIZATION

• US 20120278155A1
• Filed: 03/28/2012
• Published: 11/01/2012
• Est. Priority Date: 03/29/2011
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Faith, Patrick
• Granted Patent: US 8,725,652 B2
• Time in Patent Office: Days
• US Class Current: 705/14.26
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0225 Avoiding frauds
• CPC Class Codes: G06V 40/16 Human faces, e.g. facial parts, sketches or expressions

Abstract

Techniques for identifying a user and authenticating payment transactions based on the identification include requesting the user to send his audio, video, and/or image from the point of sale location and comparing the received audio, video, and/or image to an audio/video/image on file to identify and authenticate the user as being the official holder of the payment device being used in the transaction. Once, the user is authenticated, the payment processing can be performed using conventional techniques. Some techniques involve use of accelerometer data associated with the user in addition to or in lieu of the audio, video, and/or image data to perform the identification and authentication of the user.

Claims

1. A computer server system comprising:

a processor;

a storage medium coupled to the processor and storing association information between images and/or videos of a plurality of users and associated payment devices; and

an interface module coupled to the processor and configured to communicate with one or more external systems;

wherein the storage medium comprises code, executable by the processor, to perform a method comprising;

receiving a payment authorization request message, the payment authorization request message including information about a payment device;

sending an authentication request message to a user device of a user associated with the payment device, the authentication request message requesting the user to send a video and/or an image of himself;

receiving an authentication response message from the user device, the authentication response message including the image and/or the video of the user;

comparing the received image and/or video with the plurality of images and/or videos stored in the storage medium to determine whether the received image and/or video matches any of the plurality of images and/or videos;

if a match is found, determining that the user in the received image and/or video is the same as the user associated with the payment device; and

sending the payment authorization request message to an issuer associated with the payment device.

2. The computer server system of claim 1 wherein the user device comprises a mobile device.

3. The computer server system of claim 1 wherein the authentication request message is sent using a first communication channel that is different from a second communication channel used for receiving the payment authorization request message.

4. The computer server system of claim 1 wherein the authentication request message is sent using the same communication channel as that used for receiving the payment authorization request message.

5. The computer server system of claim 1 wherein the method further comprises:

receiving accelerometer data associated with the image and/or the video; and

comparing the received accelerometer data with accelerometer data on file to determine identity of the user.

6. A server computer comprising:

a processor;

a storage medium coupled to the processor and storing associating information between accelerometer data of a plurality of users and one or more payment devices; and

an interface module configured to communicate with one or more external systems;

wherein the processor in conjunction with the interface module is configured to;

receive an authorization request for processing a payment transaction, the authorization request including information about a first payment device;

determine a user associated with the first payment device;

send an authentication request to a user device associated with the user requesting the user to send a video of himself/herself;

receive the video of the user in response to the authentication request, the video including first accelerometer data associated with the video;

extract the first accelerometer data from the received video and compare that to the accelerometer data associated with the plurality of users;

determine that a second accelerometer data, from the accelerometer data of the plurality of users, matches with the first accelerometer data;

determine that a second payment device associated with the second accelerometer data is same as the first payment device; and

send the authorization request message to an issuer computer associated with the first payment device.

7. The server computer of claim 6 wherein instead of requesting the video, authentication request instructs the user to capture a series of images and send the series of images.

8. The server computer of claim 6 wherein the processor is further configured to compare the received video of the user to one or more videos in a database to identify the user in the received video.

9. A method comprising:

receiving, by a server computer, a request to process a payment transaction, the request including information about a first payment device used in the payment transaction;

sending, by the server computer, a first message to a first user device of a first user associated with the first payment device, the first message requesting the first user to send a photograph of himself;

receiving, by the server computer, from the first user device the photograph of the first user;

comparing, by the server computer, the photograph with a plurality photographs in a database to determine the identity of the first user;

determining, by the server computer, that another photograph in the database matches the received photograph of the first user;

determining, by the server computer, a second user associated with the other photograph; and

determining, by the server computer, whether the second user is same as the first user bases at least in part on the photograph.

10. The method of claim 9 further comprising:

determining, by the server computer, a second payment device associated with the second user;

determining, by the server computer, whether the second payment device matches the first payment device; and

sending, by the server computer, to an issuer computer associated with the first payment device, a payment authorization message.

11. The method of claim 9 further comprising:

receiving, by the server computer, accelerometer data from the first user device, wherein the accelerometer data is captured during capture of the photograph of the first user;

comparing, by the computer server, the received accelerometer data with accelerometer data associated with a plurality of users stored in a database;

determining, by the computer server, that the received accelerometer data matches with accelerometer data of the second user; and

concluding, by the server computer that the second user is same as the first user.

12. A method comprising, by a computer server:

receiving a payment authorization request message requesting authorization to proceed with a transaction conducted by a user;

receiving video, audio, accelerometer, or image data from the user;

determining if the video, the audio, the accelerometer, or the image data of the user matches any other video, audio, accelerometer, or image data previously stored in a database; and

providing an indication of whether or not the received video, audio, accelerometer, or image data matches the corresponding video, audio, accelerometer, or image data previously stored in the database.

13. The method of claim 12 wherein the video, audio, accelerometer, or image data is included in the payment authorization request message.

14. The method of claim 12 wherein the video, audio, accelerometer, or image data is received through an out-of-band communication channel that is different than a payment authorization communication channel.

15. The method of claim 12 further comprising sending an authentication request message to the user.

16. A method comprising:

receiving, by a server computer, information about a coupon and an image, a video, or audio of a first user to whom the coupon is issued;

receiving, by the server computer, transaction information including an image, a video, or audio of a second user and the information about the coupon;

determining, by the server computer, whether the second user is same as the first user by comparing the image, the video, or the audio of the first user with the image, the video, or the audio of the second user;

if it is determined that the second user is same as the first user, authorizing, by the server computer, use of the coupon.

17. The method of claim 16 wherein if it is determined that the second person is not the same as the first person:

rejecting the coupon;

or

sending a message to mobile device of the first user requesting additional authentication information.

18. The method of claim 16 wherein the information about the coupon comprises a first coupon identifier and wherein the method further comprises:

receiving a second coupon identifier as part of the transaction details;

comparing the second coupon identifier with the first coupon identifier to determine whether the second user is same as the first user.

19. A method comprising:

receiving, by a server computer, from a first computer, a first device identifier (ID), a first coupon identifier (ID) associated with first coupon data, and an image, audio, or video of a first user, wherein the first user is associated with the first coupon;

receiving, by the server computer, from a second computer, a second device ID, a second coupon ID associated with second coupon data, and an image, audio, or video of a second user, wherein the second user is associated with the second coupon;

comparing, by the server computer, the first device identifier (ID), the first coupon identifier (ID), and the image, audio, or video of the first user to the second device ID, the second coupon ID, and the image, audio, or video of the second user, respectively to determine whether the second user is same as the first user; and

authorizing, by the server computer, use of the second coupon data if it is determined that the second user is same as the first user and the second coupon data is same as the first coupon data.

20. The method of claim 19 further comprising denying the use of the second coupon data if (a) the first coupon ID does not match the second coupon ID or (b) it is determined that the second user is not the same as the first user.

21. The method of claim 19 further comprising denying the use of the second coupon data if (a) the first coupon ID does not match the second coupon ID and (b) it is determined that the second user is not the same as the first user.