Image Analysis for Account Authorization

摘要

Payment devices have physical characteristics and these physical characteristic may change in predictable ways. Further, backgrounds may also have physical characteristics which may change in predictable ways. By examining digital images for physical characteristics, some of which cannot even be seen, a better decision on whether a transaction is fraudulent may be made.

主权项

1. A computer-implemented process of verifying an online financial transaction using video data, the process comprising:
at a device including one or more processors and memory storing one or more programs for execution by the one or more processors:
receiving the video data including a representation of a payment instrument and a background;identifying one or more payment instrument characteristics from the received video data;identifying one or more background characteristics from the received video data;comparing one or more of the identified payment instrument characteristics to corresponding fraudulent payment instrument characteristics to calculate an assessment score;comparing one or more of the identified background characteristics to corresponding fraudulent background characteristics to further calculate the assessment score;determining whether the assessment score satisfies a validity threshold; andproviding an authorization indicator in response to the determination.