A method comprising: receiving, by a server from a first user, first image data of a second user and a request to provide a value for the second user, wherein the value is an amount in a specific currency and the value corresponds to a value to assign as available to the second user from an account of the first user; storing, by the server, the first image data of the second user in association with the value to a user-value database that maps the first image data to the value; transmitting, by the server, to the second user, a notification that the value is available; receiving by an access device information about goods or services to be purchased; capturing by a camera of the access device second image data of the second user; receiving, by the server from the access device, the second image data of the second user captured by the camera of the access device; identifying, by the server, the stored first image data that potentially matches the second image data with a low confidence score; retrieving, by the server, stored image metadata associated with the stored first image data and transmitting the image metadata to the access device; modifying the camera settings of the camera of the access device based on the image metadata received from the server; capturing, by the camera of the access device third image data of the second user applying the modified camera settings based on the received image metadata; receiving, by the server from the access device, an authorization request message comprising access data and the third image data of the second user, wherein the access data includes an amount in a specific currency for the transaction; determining by the server a result based on (a) whether the first image data of the second user matches the third image data of the second user and (b) whether the stored value meets or exceeds the amount in a specific currency and specified in the access data; and transmitting, by the server to the access device, an authorization response message comprising the result. receiving, by a server from a first user, first image data of a second user and a request to provide a value for the second user, wherein the value is an amount in a specific currency and the value corresponds to a value to assign as available to the second user from an account of the first user; storing, by the server, the first image data of the second user in association with the value to a user-value database that maps the first image data to the value; transmitting, by the server, to the second user, a notification that the value is available; receiving by an access device information about goods or services to be purchased; capturing by a camera of the access device second image data of the second user; receiving, by the server from the access device, the second image data of the second user captured by the camera of the access device; identifying, by the server, the stored first image data that potentially matches the second image data with a low confidence score; retrieving, by the server, stored image metadata associated with the stored first image data and transmitting the image metadata to the access device; modifying the camera settings of the camera of the access device based on the image metadata received from the server; capturing, by the camera of the access device third image data of the second user applying the modified camera settings based on the received image metadata; receiving, by the server from the access device, an authorization request message comprising access data and the third image data of the second user, wherein the access data includes an amount in a specific currency for the transaction; determining by the server a result based on (a) whether the first image data of the second user matches the third image data of the second user and (b) whether the stored value meets or exceeds the amount in a specific currency and specified in the access data; and transmitting, by the server to the access device, an authorization response message comprising the result.