Patent ID: 9471921
Filing Date: 2016-10-18
CPC Classification: G06F,G06Q

Claim Text:
1. A method to authorize a mobile payment for a transaction, comprising: receiving, from a financial institution, a facial image of a consumer and account information of an account at the financial institution, wherein the account information is linked with the facial image, and the facial image and the account information are first sent to the financial institution from a point-of-sale (POS) device, requesting, in response to receiving the account information and based on the account information, a verified facial image from the financial institution; receiving the verified facial image of an account holder of the account from the financial institution, wherein the account is identified at the financial institution based on the account information; comparing the facial image of the consumer and the verified facial image of the account holder based on a pre-determined criterion to verify the consumer as the account holder; generating, in response to verifying the consumer as the account holder, an authorization of the mobile payment based on the account information; and sending the authorization to the POS device, wherein the POS device completes the transaction based on the authorization, wherein the mobile device displays a second message informing the consumer regarding the authorization, and wherein the financial institution shares, with a merchant of the transaction, a saving due to reduced risk of the transaction based on verifying the consumer using the facial image.