Verification of Online Transactions
First Claim
1. A computer-implemented method of verifying an online financial transaction, the method comprising:
- at a device including a processor and memory storing programs for execution by the processor;
receiving an encoded facial image data value associated with an online financial transaction using a payment instrument, the encoded facial image data including at least a portion of an encoded facial image;
encoding at least a portion of an authenticated facial image to produce a verification encoded facial image value;
determining whether the received encoded facial image data value and the verification encoded facial image value match; and
providing an authorization indicator in response to the determination.
3 Assignments
0 Petitions
Accused Products
Abstract
Systems, methods and devices described herein enable improved identity verification during online financial transactions. In particular, the features of various implementations are used to enable identity verification of account holders of credit cards, debit cards, and other payment instruments during online transactions. For example, in some implementations systems, methods and devices are operable to compare one or more encoded and/or encrypted images of facial features obtained upon activation of the payment instrument or security measures with one or more encoded and/or encrypted images of facial features obtained during a subsequent online transaction to verify that the individual offering the payment instrument as a form of payment is the true and authorized user of the payment instrument. Additionally and/or alternatively, a voice print record and/or location information may be combined with the use of the encoded and/or encrypted images to provide additional security.
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Citations
16 Claims
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1. A computer-implemented method of verifying an online financial transaction, the method comprising:
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at a device including a processor and memory storing programs for execution by the processor; receiving an encoded facial image data value associated with an online financial transaction using a payment instrument, the encoded facial image data including at least a portion of an encoded facial image; encoding at least a portion of an authenticated facial image to produce a verification encoded facial image value; determining whether the received encoded facial image data value and the verification encoded facial image value match; and providing an authorization indicator in response to the determination. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-implemented method of verifying an online financial transaction, the method comprising:
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at a device including a processor and memory storing programs for execution by the processor; receiving facial image data associated with an online financial transaction using a payment instrument, the facial image data including at least a portion of a full face image; encoding the received facial image data to produce an encoded candidate facial image data value; encoding at least a portion of an authenticated facial image to produce a verification encoded facial image value; determining whether the encoded candidate facial image data value and the verification encoded facial image value match; and providing an authorization indicator in response to the determination. - View Dependent Claims (14)
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15. A verification server system to verify an online financial transaction, the verification server comprising:
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a processor; and a memory including instructions, that when executed by the processor cause the device to; receive an encoded facial image data value associated with an online financial transaction using a payment instrument, the encoded facial image data including at least a portion of an encoded facial image; encode at least a portion of an authenticated facial image to produce a verification encoded facial image value; determine whether the received encoded facial image data value and the verification encoded facial image value match; and provide an authorization indicator in response to the determination.
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16. A verification server system to verify an online financial transaction, the verification server comprising:
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means for receiving an encoded facial image data value associated with an online financial transaction using a payment instrument, the encoded facial image data including at least a portion of an encoded facial image; means for encoding at least a portion of an authenticated facial image to produce a verification encoded facial image value; means for determining whether the received encoded facial image data value and the verification encoded facial image value match; and means for providing an authorization indicator in response to the determination.
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Specification