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SYSTEM, METHOD, AND ARTICLE FOR MOBILE PAYMENT AND PERSONAL IDENTIFICATION

  • US 20160283946A1
  • Filed: 03/28/2016
  • Published: 09/29/2016
  • Est. Priority Date: 03/26/2015
  • Status: Abandoned Application
First Claim
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1. A system for user verifying a user and authenticating a mobile transaction, the system comprising:

  • at least one mobile computing device comprising a camera for capturing at least one image or video of a user'"'"'s face, eyes, and/or skin and at least one image or video of a payment instrument of the user;

    the mobile computing device further comprising a display screen for providing visual information to the user through a user interface;

    a server configured to communicate with the mobile computing device;

    the server comprising one or more processors and a non-transitory storage medium, the non-transitory storage medium having instructions for communicating with the one or more processors and causing the system to;

    register the payment instrument with the system through a unique identifier generated by the system;

    transmit, via a user interface on the user'"'"'s mobile computing device, a payment request for a payment transaction;

    provide an indication for the user to authenticate the payment transaction by prompting the user to enter the unique identifier on the user interface;

    capture biometric information from the image or video of the user'"'"'s face, eyes, and/or skin taken by the camera on the user'"'"'s mobile computing device;

    store the biometric information on the non-transitory storage medium;

    analyze the biometric information captured from the user to determine whether the user is a real person;

    obtain an indication from the server that the user is verified as a real person; and

    initiate completion of the payment transaction in response to obtaining the indication that the user is verified as a real person.

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