| 摘要 |
Systems and methods are provided for authorizing a user in connection with a transaction at a transaction terminal. The systems and methods described herein enable a series of operations whereby a user using a mobile device can capture a code that uniquely identifies a transaction terminal. In addition the mobile device can also capture a user's biometrics, generate a biometric identifier and biometrically verify the user's identity by comparing the biometric identifier to a previously generated biometric identifier. If the user is biometrically authenticated the mobile device can generate a transaction request including, a user identifier, a mobile device identifier, and the transaction terminal code and transmit the transaction request to a system server. Based on the transaction request, the system server can further authenticate the user and/or approve the requested transaction. If the user is authenticated, the system server can instruct the terminal to advance the financial transaction. |
| 主权项 |
1. A method for authorizing a user in connection with a transaction conducted at a transaction terminal, the method comprising:
receiving by a mobile device having: a camera; a storage medium having instructions stored therein; and a processor configured by executing the instructions therein, transaction terminal information that uniquely identifies the transaction terminal; causing, by the processor, the camera to capture a plurality of images depicting at least one facial region of the user; generating, by the processor and using the plurality of images, a biometric identifier that identifies the user; authenticating, by the processor, the user's identity by comparing the biometric identifier to one or more previously generated biometric identifiers; generating, by the processor and in response to authenticating the user's identity, one or more transaction requests including:
i. a user identifier that identifies the user,ii. a mobile device identifier that identifies the mobile device, andiii. a transaction terminal identifier that uniquely identifies the transaction terminal; and transmitting, by the mobile device to a remote computing device, the one or more transaction requests, wherein the user is authorized to conduct the transaction at the transaction terminal after the user identifier is verified, the mobile device identifier is verified and the transaction is verified. |
