Facial recognition identification for in-store payment transactions

Patent metadata

Field	Value
Publication number	US-2017323299-A1
Application number	US-201615145590-A
Country	US
Kind code	A1
Filing date	May 3, 2016
Priority date	May 3, 2016
Publication date	Nov 9, 2017
Grant date	—

Abstract

The present disclosure relates to systems, methods, and devices for facial recognition identification for in-store payment transactions. In particular, a payment system allows a user to engage in a payment transaction with a merchant to purchase goods or services at an in-store checkout location. For example, one or more implementations involve receiving a payment request to initiate an in-store payment transaction between a user and a merchant, the payment request including an image of the user. One or more embodiments identify a payment account for the user based on the image and send a payment confirmation request to a client device of the user. Additionally, one or more embodiments process the in-store payment transaction based on a confirmation response received from the client device.

First claim

What is claimed is:

1 . A method, comprising:
receiving, by at least one server from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant, wherein the payment request comprises an image of the user; identifying, by the at least one server, a payment account for the user based on the image of the user; sending a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receiving a confirmation response from the client device to process the in-store payment transaction; and processing, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

2 . The method as recited in claim 1 , wherein identifying the payment account for the user comprises:
comparing the image of the user to a plurality of images of users; determining that the image of the user corresponds to a selected image from the plurality of images of users; and identifying a payment account associated with the selected image.

3 . The method as recited in claim 2 , wherein comparing the image of the user to a plurality of images of users comprises:
identifying a plurality of candidate users; and comparing the image of the user to a plurality of images associated with the plurality of candidate users.

4 . The method as recited in claim 2 , wherein identifying a plurality of candidate users comprises:
determining a location associated with the in-store payment transaction; and identifying a plurality of candidate users by determining a plurality of users within a predetermined distance from the location associated with the in-store payment transaction.

5 . The method as recited in claim 1 , further comprising:
sending, to the merchant client device, a plurality of images corresponding to a plurality of users of a social networking system; receiving, from the merchant client device, a selected image from the plurality of images; and sending the payment confirmation request to a client device associated with a payment account of a user corresponding to the selected image.

6 . The method as recited in claim 1 , further comprising:
identifying, for the user, a plurality of images associated with a user account of a social networking system; ranking the plurality of images based on a plurality of characteristics of the plurality of images; and selecting a highest ranked image from the plurality of images for comparing to the image of the user from the payment request to determine an identity of the user.

7 . The method as recited in claim 1 , wherein identifying the payment account for the user based on the image of the user comprises:
identifying a plurality of payment accounts associated with a user account for the user; sending, to the merchant client device, a plurality of indicators associated with the plurality of payment accounts; and receiving, from the merchant client device, a selected indicator from the plurality of indicators associated with the plurality of payment accounts.

8 . The method as recited in claim 7 , wherein the plurality of indicators comprise a plurality of payment tokens, each token corresponding to a payment account from the plurality of payment accounts.

9 . The method as recited in claim 1 , wherein sending the payment confirmation request to the client device associated with the payment account for the user comprises sending a push notification comprising payment data associated with the in-store payment transaction.

10 . A system, comprising:
at least one processor; and a non-transitory computer readable storage medium comprising instructions that, when executed by the at least one processor, cause the system to: receive, from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant, wherein the payment request comprises an image of the user; identify a payment account for the user based on the image of the user; send a payment confirmation request to a client device associated with the payment account for the user, the payment confirmation request corresponding to the payment request to initiate the in-store payment transaction; receive a confirmation response from the client device to process the in-store payment transaction; and process, using the payment account for the user, the in-store payment transaction based on the received confirmation response.

11 . The system as recited in claim 10 , further comprising instructions that, when executed by the at least one processor, cause the system to identify the payment account for the user by:
identifying a plurality of candidate users; comparing a face of the user in the image of the user to a plurality of faces in a plurality of images associated with the plurality of candidate users; determining that the image of the user corresponds to a selected image from the plurality of images; and identifying a payment account associated with the selected image.

12 . The system as recited in claim 11 , further comprising instructions that, when executed by the at least one processor, cause the system to identify a plurality of candidate users by:
determining a location associated with the in-store payment transaction; and identifying the plurality of candidate users from a plurality of users within a predetermined distance from the location associated with the in-store payment transaction.

13 . The system as recited in claim 10 , further comprising instructions that, when executed by the at least one processor, cause the system to:
obtain, in response to the received request, an image from a social networking account for the user; send the obtained image of the user to the merchant client device; receive, from the merchant client device, an approval message indicating that the user matches a face in the obtained image from the social networking account for the user; and send the payment confirmation request to a client device associated with the social networking account for the user.

14 . The system as recited in claim 13 , further comprising instructions that, when executed by the at least one processor, cause the system to identify the payment account for the user based on the image of the user by:
identifying a plurality of payment accounts associated with the social networking account for the user; sending, to the merchant client device, a plurality of payment tokens associated with the plurality of payment accounts; and receiving, from the merchant client device, a selected payment token from the plurality of payment tokens associated with the plurality of payment accounts.

15 . The system as recited in claim 13 , further comprising instructions that, when executed by the at least one processor, cause the system to send the payment confirmation request to the client device associated with the payment account for the user by sending a push notification comprising payment data associated with the in-store-payment transaction.

16 . A non-transitory computer readable storage medium comprising instructions that, when executed by at least one processor, cause a computer system to:
receive, from a merchant client device, a payment request to initiate an in-store payment transaction between a user and a merchant, wherein the payment request comprises an image of the user; identify a payment account for the user based on the image of the user;

Assignees

• Facebook Inc

Inventors

• Davis Stephen Moore

Classifications

• G06Q20/40145 Primary

  Biometric identity checks · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title