DELEGATION PAYMENT WITH PICTURE

摘要

A user who is authorizing a delegate to make a purchase using funds from an account of the user sends information to a payment provider. The information includes a picture of the delegate, along with information such as a merchant name, a maximum amount, a type of purchase, item information, and/or any other transaction limitations/restrictions. The payment provider then transmits this information to the merchant. A one-time code or number may be communicated to the delegate. When the delegate is ready to make a payment with the user account, the delegate gives the delegate's name and/or other identifying information to the merchant, along with the payment code. The merchant enters the information and is shown a picture of the delegate. If there is a match, the payment may be submitted for processing. In one embodiment, a photo of the delegate may be taken by the merchant and the image transmitted to the user. The user may then be requested to confirm the delegate as an authorized delegate.

主权项

1. A system comprising:
a memory storing information about user accounts, where the information comprises delegate photos and delegate payment codes; and one or more processors of a payment provider in communication with the memory and operable for performing:
receiving a payment request from a delegate at a merchant point of sale (POS);determining an account of a payment provider user associated with the delegate based on the payment request;transmitting a photo of the delegate associated with the account to a merchant device at the merchant POS; andprocessing the payment request for the delegate on behalf of the user when the photo matches the delegate at the merchant POS.