Patent ID: 9626678
Date: 2017-04-18
CPC Classifications: G06K,G06Q,G07F,G07G

Claim:
1. A computer-implemented method, comprising: providing a computing apparatus having: receiving, in the transaction handler in the electronic payment processing network from a transaction terminal, an authorization request for a transaction in the payment account, wherein: retrieving, by the transaction handler from the data warehouse, the communication reference that is stored in the data warehouse in association with the account information identified in the authorization request; providing, by the transaction handler, the communication reference in an authorization response to the authorization request, wherein the authorization response is configured to instruct the transaction terminal receiving the authorization response to transmit, to a user device identified by the communication reference, a notification of the transaction, including the captured image of the user who is using the account identification device to make the transaction at the transaction terminal; receiving, by the portal via the communication channel outside the electronic payment processing network from the user device identified by the communication reference, the image of the user automatically captured by the digital camera of the transaction terminal and provided in the notification of the transaction; and storing, by the portal in the data warehouse, the image of the user in association with a transaction record of the transaction authorized by the authorization request.