Systems and methods for implementing transactions based on facial recognition

Patent metadata

Field	Value
Publication number	US-10043184-B2
Application number	US-201414292061-A
Country	US
Kind code	B2
Filing date	May 30, 2014
Priority date	May 30, 2014
Publication date	Aug 7, 2018
Grant date	Aug 7, 2018

Abstract

A system or method is provided to facilitate a payment transaction by utilizing facial recognition to identify the payee of the payment transaction. In particular, the system may remember a particular list of individuals to which a user has been or are frequently making payments. The facial profiles of the individuals in the particular list may be stored and referenced for identification. When the user is ready to transfer money to any of the frequent payees, the user may use any of the payee's pictures locally, anywhere on social platforms, or just by clicking the person. After the image is selected for payment, the system may analyze the image to match the image with existing face profiles of respective frequent payees. Once the payee is identified, the system may process the payment to the identified payee.

First claim

What is claimed is:

1. A system comprising:
a non-transitory memory; and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
accessing a transaction history for a user, wherein the transaction history comprises past transactions over a first set time limit associated with a plurality of payees of the past transactions within the first set time limit;
determining an identifier for each of the plurality of payees using the transaction history;
retrieving, from an online social networking service associated with the user, social networking information comprising images of the plurality of payees and identifications for the plurality of payees using the identifier for each of the plurality of payees;
determining that one or more of the images from a set of images used to identify the plurality of payees are older than a second set time limit;
updating the set of images by removing the one or more of the images from the set of images;
generating maps of the images of the plurality of payees from the updated set of images using the social networking information and a facial recognition process, wherein the maps comprise facial feature matrices of facial features in the images of the plurality of payees from the updated set of images, and wherein the maps are associated with the identifications including contact information for each of the plurality of payees;
receiving, from a camera of a user device for the user, a first image captured by the user for making a payment via facial recognition, wherein the first image captures a plurality of potential payees including a payee of a transaction;
automatically identifying the payee represented by the first image from the plurality of potential payees by the facial recognition process using only the maps and the first image without requiring additional input to an application displaying the first image to identify the payee;
generating a selectable text option to process the payment to the payee based on the automatically identifying the payee;
in response to a request to display the first image using an interface of the user device, outputting the selectable text option with the payee in the first image, wherein the selectable text option identifies the payee in the first image to process the payment; and
in response to a selection of the selectable text option, processing the payment.

2. The system of claim 1 , wherein the facial recognition process comprises:
analyzing the first image to determine the facial features within the first image;
comparing the facial features within the first image with the facial feature matrices; and
determining a facial feature matrix of the facial feature matrices that matches the facial features of the first image.

3. The system of claim 2 , wherein the facial recognition process comprises:
calculating similarity scores for the facial feature matrices, each of the similarity scores indicating a degree of similarity between the first image and a facial feature matrix of the facial feature matrices; and
determining the facial feature matrix of the facial feature matrices based on the similarity scores.

4. The system of claim 3 , wherein the facial feature matrix has a highest similarity score of the similarity scores.

5. The system of claim 1 , wherein the operations further comprise:
receiving a response from the user indicating whether the payee identified by the facial recognition process is correct; and
updating the maps with the first image based on the response.

6. The system of claim 5 , wherein the operations further comprise updating the maps with the first image of the payee identified by the facial recognition process based on the first image when the response from the user indicates that the payee identified by the facial recognition process is correct.

7. The system of claim 5 , wherein the operations further comprise requesting the user to identify a different payee of the plurality of potential payees associated with the first image when the user indicates that the payee identified by the facial recognition process is incorrect.

8. The system of claim 7 , wherein the operations further comprise:
adding the different payee identified by the user to the plurality of payees; and
generating a map of the first image for the different payee identified by the user.

9. The system of claim 1 , wherein the selectable text option comprises a link on the interface of the user device to a transaction processor process for completing payment.

10. A method comprising:
accessing a transaction history of a payment account for a user, wherein the transaction history comprises past transactions over a first set time limit with a plurality of payees by the user using the payment account within the first set time limit;
determining an identifier for each of the plurality of payees using the transaction history;
retrieving, from an online social networking service associated with the user, social networking information comprising images of the plurality of payees and identifications for the plurality of payees using the identifier for each of the plurality of payees;
determining that one or more of the images from a set of images used to identify the plurality of payees are older than a second set time limit;
updating the set of images by removing the one or more of the images from the set of images;
generating maps of the images of the plurality of payees from the updated set of images using the social networking information and a facial recognition process, wherein the maps comprise facial feature matrices of facial features in the images of the plurality of payees from the updated set of images, and wherein the maps are associated with the identifications including contact information for each of the plurality of payees;
receiving, from a camera of a user device for the user, a first image captured by the user for making a payment via facial recognition, wherein the first image captures a plurality of potential payees including a payee of a transaction;
identifying, by a hardware processor, the payee represented by the first image from the plurality of potential payees via the facial recognition process using only the maps and the first image without requiring additional input to an application displaying the first image to identify the payee;
generating a selectable text option to process the payment to the payee based on the identifying the payee;
in response to a request to display the first image using an interface of the user device, outputting the selectable text option with the payee in the first image, wherein the selectable text option identifies the payee in the first image to process the payment; and
in response to selection of the selectable text option, processing the payment.

11. The method of claim 10 further comprising:
collecting the images of the plurality of payees via facial recognition.

12. The method of claim 11 , wherein the images of the plurality of payees are further collected from one or more of a contact list of the user, a digital photo album of the user, or images captured by the user.

13. The method of claim 11 , wherein the maps comprise information indicating unique facial features of the respective payees designated for payment via facial recognition.

14. The method of claim 11 , wherein the maps are updated periodically with newly received images of the plurality of payees designated for payment via facial recognition.

15. The method o

Assignees

• Paypal Inc

Inventors

• Agarwal Priyanshu
• Annamalai Prasanna

Classifications

• G06Q10/40

  Business processes related to social networking or social networking services · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/223

  based on the use of peer-to-peer networks · CPC title

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06K9/00288

  Physics · mapped topic