CPC G06Q 20/4014 (2013.01) [G06Q 20/325 (2013.01); G06Q 20/327 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/4012 (2013.01); G06Q 30/0185 (2013.01)] | 20 Claims |
1. A method comprising:
receiving, at at least one computing device associated with a payment processing service (PPS), an image of a user;
receiving, at the at least one computing device, payment information associated with a payment instrument of the user;
receiving, at the at least one computing device, an indication of pre-authorization by the user to perform a cardless payment transaction in response to a confirmation of an identity of the user using the image of the user;
configuring, by the at least one computing device, a user account in a data store associated with the PPS, the user account including an association between the image, the payment information, and the pre-authorization;
accessing, by the at least one computing device and using the image associated with the user account and in association with a transaction between the user and a second user, the payment information associated with the user account to use for payment of the transaction; and
processing, by the at least one computing device and based on the pre-authorization, the transaction using the payment information in lieu of the payment instrument associated with the payment information at a time of the transaction.
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