Patent ID: 8548914

Claim:
A photo ID payment card transaction verification subsystem for use with a payment card interchange network, said subsystem comprising a secure server comprising a memory device and a processor in communication with the memory device, the photo ID payment card transaction verification computer subsystem is programmed to: receive a photo of a cardholder at the secure server, the photo verified to be of the cardholder; assign a unique photo identifier to the photo; store the photo and unique photo identifier on the secure server; transmit the unique photo identifier to an issuer associated with the cardholder's payment card account for associating the unique photo identifier to the cardholder's payment card account; receive, by the secure server, during a payment card transaction a photo request for the photo associated with the cardholder's payment card account, the photo request including the unique photo identifier; and using the unique photo identifier, transmit the photo, an access to the photo, or both the photo and an access to the photo to the merchant-during the payment card transaction.