IDENTIFYING CONSUMERS VIA FACIAL RECOGNITION TO PROVIDE SERVICES
First Claim
1. A computer-implemented method to identify users, comprising:
- receiving, by a computing device and from a point of sale computing device, a request to identify a user for a transaction involving a restricted item;
capturing, by a camera on a computing device, a video feed of an environment external to the computing device;
extracting, by the computing device, a facial image of the user from the video feed;
generating, by the computing device, a facial template based on the facial image, the facial template comprising a computer code representation of the facial image;
retrieving, by the computing device, one or more stored facial templates associated with users located at a merchant location;
determining, by the computing device, a similarity between the generated facial template and each of the one or more stored facial templates;
identifying, by the computing device, a stored facial template that corresponds to the user based on a determination that the similarity between the generated facial template and the stored facial template exceeds a similarly threshold;
transmitting, by the computing device and to the point of sale computing device, an indication of the identity of the user, the point of sale computing device accessing account information associated with the identified user and indicating whether the identified user is eligible to complete the transaction involving the restricted item.
2 Assignments
0 Petitions
Accused Products
Abstract
A user signs into an application via a user computing device at a merchant system location. The user computing device receives an identifier from a beacon device at the location to transmit to an account management system. The account management system transmits facial templates to the merchant camera device for users who are signed in to the application in range of the merchant beacon device. The user approaches a point of sale device to purchase a restricted product or service. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator, after determining that the user is eligible for the restricted product or service based on account information of the user, selects a payment account of the user. The merchant POS device transmits transaction details to the account management system, which processes the transaction with an issuer system.
45 Citations
20 Claims
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1. A computer-implemented method to identify users, comprising:
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receiving, by a computing device and from a point of sale computing device, a request to identify a user for a transaction involving a restricted item; capturing, by a camera on a computing device, a video feed of an environment external to the computing device; extracting, by the computing device, a facial image of the user from the video feed; generating, by the computing device, a facial template based on the facial image, the facial template comprising a computer code representation of the facial image; retrieving, by the computing device, one or more stored facial templates associated with users located at a merchant location; determining, by the computing device, a similarity between the generated facial template and each of the one or more stored facial templates; identifying, by the computing device, a stored facial template that corresponds to the user based on a determination that the similarity between the generated facial template and the stored facial template exceeds a similarly threshold; transmitting, by the computing device and to the point of sale computing device, an indication of the identity of the user, the point of sale computing device accessing account information associated with the identified user and indicating whether the identified user is eligible to complete the transaction involving the restricted item. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-implemented method to identify users, comprising:
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receiving, by one or more computing devices operated by an account management computing system and from a user computing device, an account identifier for a user and a merchant beacon identifier, wherein the user computing device receives the merchant beacon identifier from a merchant beacon device located at a merchant location; retrieving, by the one or more computing devices operated by the account management computing system, a facial template associated with the user based on the account identifier; identifying, by the one or more computing devices operated by the account management computing system, the merchant location associated with the merchant beacon identifier; adding, by the one or more computing devices operated by the account management computing system, the facial template of the user and merchant location to a customer log, the customer log comprising facial templates of users currently at the merchant location; transmitting, by the one or more computing devices operated by the account management computing system and to a merchant computing device at the merchant location, the customer log, the merchant computing device identifying the user by comparing the facial template from the customer log to a second facial template generated by the merchant computing device and from a facial image of the user received by the merchant computing device; receiving, by the one or more computing devices operated by the account management computing system and from the merchant computing device, the facial template associated with an identified user; determining, by the one or more computing devices operated by the account management computing system, an identity of the user based on the received facial template; transmitting, by the one or more computing devices operated by the account management computing system and to the merchant computing device, the user identity and user account information indicating whether the user is eligible to complete a transaction involving a restricted purchase, the merchant computing device performing an operation based on the user identity the user account information. - View Dependent Claims (7, 8, 9)
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10. A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied thereon that when executed by a computer cause the computer to identify users, the computer-readable program instructions comprising; computer-readable program instructions to receive an input requesting a transaction involving a restricted purchase by a user; computer-readable program instructions to transmit to a camera a request to identify the user; computer-readable program instructions to receive from the camera an identify of the user; computer-readable program instructions to transmit the identity of the user and a request for account information associated with the user to one or more computing devices operated by an account management computing system; computer-readable program instructions to receive account information associated with the user from the one or more computing devices operated by an account management computing system, the account information comprising payment account information and eligibility information for restricted transactions; computer-readable program instructions to determine not to process the transaction based on the eligibility information for restricted transactions and one or more eligibility criteria; computer-readable program instructions to display an error message indicating that the user is ineligible to proceed with the transaction involving the restricted purchase. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A system to identify users in a transaction, comprising:
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a storage device; and a processor communicatively coupled to the storage device, wherein the processor executes application code instructions that are stored in the storage device to cause the system to; receive an input requesting a transaction involving a restricted purchase by a user; transmit to a camera a request to identify the user; receive from the camera an identify of the user; transmit the identity of the user and a request for account information associated with the user to one or more computing devices operated by an account management computing system; receive account information associated with the user from the one or more computing devices operated by an account management computing system, the account information comprising payment account information and eligibility information for restricted transactions; determine to process the transaction based on the eligibility information for restricted transactions and one or more eligibility criteria; receive an input of a selection of payment account information and an input to process the transaction; and transmit the payment account information to an issuer computing system associated with the payment account information. - View Dependent Claims (18, 19, 20)
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Specification