SYSTEM, METHOD, AND ARTICLE FOR MOBILE PAYMENT AND PERSONAL IDENTIFICATION
First Claim
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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Accused Products
Abstract
What is provided is a system, method, and article of manufacture for verifying a user and authenticating a mobile transaction in a more convenient and accurate manner. In some examples, the method comprises registering a user'"'"'s personal information with the system through a unique identifier; transmitting a request to perform an action, such as a payment transaction, an electronic signing of a document, a remote login into the system, and a transfer of images and/or videos in real-time, corresponding to the unique identifier; capturing biometric information from an image or video of the user; analyzing the biometric information captured from the first user to determine whether the user is a real person; obtaining an indication that the user is verified as a real person; and initiating completion of the action in response to obtaining the indication that the user is verified as a real person.
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Citations
21 Claims
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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.- View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method for user verification, the method comprising:
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enrolling a first user via the first user'"'"'s mobile computing device in a system for verifying user personal identification; registering the first user'"'"'s personal information with the system through a unique identifier generated by the system; transmitting, via a user interface on the first user'"'"'s mobile computing device, a request to perform an action corresponding to the unique identifier; providing an indication for the first user to authenticate the action by prompting the user to enter the unique identifier on the user interface; capturing biometric information from at least one first image or video of the first user taken by a camera on the first user'"'"'s mobile computing device; storing the biometric information on a non-transitory storage medium of a server; analyzing the biometric information captured from the first user to determine whether the first user is a real person; obtaining an indication from the server that the first user is verified as a real person; and initiating completion of the action in response to obtaining the indication that the first user is verified as a real person. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A non-transitory article of manufacture having instructions stored thereon, which if executed, cause a computing platform to implement a method comprising:
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enrolling a user via the user'"'"'s mobile computing device in a system for verifying user personal identification to authenticate a mobile transaction; registering a payment instrument of the user with the system through a unique identifier generated by the system; transmitting, via a user interface on the user'"'"'s mobile computing device, a payment request for a payment transaction; providing an indication for the user to authenticate the payment transaction by entering the unique identifier on the user interface of the user'"'"'s mobile computing device; capturing biometric information from at least one image or video of the user taken by a camera on the user'"'"'s mobile computing device; storing the biometric information on a non-transitory storage medium of a server; analyzing the biometric information captured from the user to determine whether the user is a real person; obtaining an indication from the server that the user is verified as a real person; and initiating completion of the payment transaction in response to obtaining the indication that the user is verified as a real person.
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Specification