| CPC G06Q 20/40145 (2013.01) [G06Q 20/202 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/405 (2013.01); G06Q 20/407 (2013.01)] | 18 Claims |
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1. An authentication system, comprising:
a mobile device associated with a user;
a merchant point-of-sale (POS) terminal;
one or more processors; and
memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the authentication system to:
responsive to receiving transaction data associated with the user and a transaction initiated via the merchant POS terminal:
determine a first geographic location of the merchant POS terminal based on an Internet protocol address associated with the merchant POS terminal;
ping the mobile device to determine a second geographic location of the mobile device; and
determine that a verification condition is satisfied when a proximity of the first and second geographic locations fails to satisfy a proximity threshold;
obtain stored mobile data for the user, wherein the transaction data comprises identifying data unique to the user and the stored mobile data is obtained based on the identifying data;
send, via one or more networks and after initiation of the transaction by the user at a mobile application executing on the mobile device, a request for a current image of the user, wherein the mobile application is identified based on the stored mobile data and the request comprises an indication of a requested action to be performed by the user during capture of the current image;
analyze the current image to classify an action depicted in the current image after the current image is obtained from the mobile device in response to the request; and
responsive to determining the depicted action corresponds to the requested action as a result of the analysis of the current image:
obtain one or more past images identifying the user that initiated the transaction from one or more of a camera roll of the mobile device, a social media account of the user, or stored account data associated with the user;
compare a first set of one or more facial features extracted from the one or more past images to a second set of one or more facial features extracted from the current image to determine whether the user is depicted in both one or more of the one or more past images and the current image, wherein the user performing the requested action is depicted in the current image; and
responsive to determining the user is depicted in both the one or more past images and the current image, allow the transaction to proceed at the mobile application.
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