SYSTEMS AND METHODS FOR PERFORMING PAYMENT CARD TRANSACTIONS USING A WEARABLE COMPUTING DEVICE
First Claim
1. A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said method comprising:
- registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder, the portable computer device including a processor, a memory, and a camera;
storing, in the memory, the reference sample of the authorized cardholder and associated payment card information;
using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera;
comparing, by the processor, the transaction sample to the reference sample stored in the memory; and
authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction is provided. The method includes registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder. The portable computer device includes a processor, a memory, and a camera. The method also includes storing, in the memory, the reference sample of the authorized cardholder and associated payment card information. The method further includes using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera. The method also includes comparing, by the processor, the transaction sample to the reference sample stored in the memory. The method further includes authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison.
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Citations
20 Claims
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1. A computer-based method for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said method comprising:
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registering the authorized cardholder within a portable computer device by receiving a reference sample of the authorized cardholder, the portable computer device including a processor, a memory, and a camera; storing, in the memory, the reference sample of the authorized cardholder and associated payment card information; using the camera to capture a transaction sample of the suspect consumer during the payment card transaction using the camera; comparing, by the processor, the transaction sample to the reference sample stored in the memory; and authenticating the suspect consumer as the authorized cardholder based at least in part on the comparison. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A portable computing device for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said portable computing device comprising:
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a memory; a camera; and a processor communicatively coupled to said memory and said camera, said processor programmed to; register an authorized cardholder within said portable computer device by receiving a reference sample of the authorized cardholder; store, in the memory, the reference sample of the authorized cardholder and associated payment card information; use the camera to capture a transaction sample of a suspect consumer during a payment card transaction; compare the transaction sample to the reference sample stored in the memory; and authenticate the suspect consumer as the authorized cardholder based at least in part on the comparison. - View Dependent Claims (8, 9, 10)
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11. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:
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register an authorized cardholder within said portable computer device by receiving a reference sample of the authorized cardholder, the portable computer device including a processor, a memory, and a camera; store, in the memory, a reference sample of the authorized cardholder and associated payment card information; use the camera to capture a transaction sample of a suspect consumer during a payment card transaction using a camera communicatively coupled to the processor; compare the transaction sample to the reference sample in the memory; and authenticate the suspect consumer as the authorized cardholder based at least in part on the comparison. - View Dependent Claims (12, 13, 14, 15)
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16. A computing device for authenticating a suspect consumer as an authorized cardholder during a payment card transaction, said computing device comprising a processor communicatively coupled to a memory and a portable computing device, said computing device programmed to:
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register an authorized cardholder within said computing device by receiving a reference sample of the authorized cardholder from the portable computer device and associating payment card information with the reference sample, the reference sample collected from the authorized cardholder by a camera of the portable computing device; store, in the memory, the reference sample and the payment card information; receive an authentication request including a transaction sample of the suspect consumer and transaction payment card information; compare the transaction sample to the reference sample; and authenticate the suspect consumer as the authorized cardholder based at least in part on the comparing. - View Dependent Claims (17, 18, 19, 20)
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Specification