Patent ID: 11921832
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A method for authenticating a user, comprising:
establishing, by a terminal device, a connection with a mobile device associated with the user;
obtaining, by the terminal device, first facial biometric information of the user generated at a time by the mobile device prior to establishing the connection;
obtaining, by the terminal device, second facial biometric information of the user generated at a subsequent time by the terminal device after establishing the connection;
determining, by the terminal device, that the time is before the subsequent time by a threshold amount;
determining, by the terminal device, that the user is authenticated to perform an exchange based on the first facial biometric information corresponding to the second facial biometric information and based on determining that the time is before the subsequent time by the threshold amount;
transmitting, by the terminal device to the mobile device via the connection and based on determining that the user is authenticated, a message indicating that the user is authenticated; and
receiving, by the terminal device from the mobile device via the connection, exchange information identifying a credential for performing the exchange.