FACIAL RECOGNITION FOR VALUE TRANSFER

DE602020051484T2Active Publication Date: 2025-05-21VISA INTERNATIONAL SERVICE ASSOCIATION
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Patent Information

Application Number
DE602020051484
Authority / Receiving Office
DE · DE
Patent Type
Patents
Current Assignee / Owner
Priority Date
2019-01-16
Filing Date
2020-01-14
Publication Date
2025-05-21
Estimated Expiration
2040-01-14

AI Technical Summary

Technical Problem

Existing methods for transferring value, such as gift cards, face security risks and require users to manage identifiers, leading to friction and potential loss or theft.

Method used

A method using face recognition to authenticate value transfers, where an image of the recipient is used to generate a biometric template, stored with the value, and compared for authorization, allowing secure access to the value without the need for physical or digital identifiers.

Benefits of technology

Enhances security by linking value transfers to the recipient's face, reducing friction for both giver and receiver, as the recipient can access the value by simply showing their face, and allows the use of casual snapshots to generate biometric templates with improved accuracy through multiple image processing and match level management.

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Abstract

A system and method are provided which include receiving, from a first user, first image data of a second user and a request to provide a value for the second user; storing the first image data of the second user in association with the value; transmitting, to the second user, a notification that the value is available; receiving, from an access device, an authorization request message comprising access data and second image data of the second user; determining a result based on (a) whether the first image data of the second user matches the second image data of the second user and (b) the stored value; and transmitting, to the access device, an authorization response message comprising the result.
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