Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.

Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.

Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Abstract: A user verification system is configured to identify likely interactors approaching points of interaction to ensure accurate interactions and to provide loyalty rewards. In an example, a interaction system installs a user verification device with a stereo camera at an interacting device to capture images of the user and to obtain data from the device. The user verification device uses the stereo camera to determine the location of the user to determine if the user is a likely interactor. The user verification device recognizes motions of the user that are indicative of an interactor, such as reaching across the counter or looking at the operator. The user verification device identifies or verifies the interactor based on the record data or the display data. If the user is the likely interactor, then the system conducts a hands-free interaction with the user account or provides loyalty rewards to the user account.

Abstract: A user verification system is configured to identify likely interactors approaching points of interaction to ensure accurate interactions and to provide loyalty rewards. In an example, a interaction system installs a user verification device with a stereo camera at an interacting device to capture images of the user and to obtain data from the device. The user verification device uses the stereo camera to determine the location of the user to determine if the user is a likely interactor. The user verification device recognizes motions of the user that are indicative of an interactor, such as reaching across the counter or looking at the operator. The user verification device identifies or verifies the interactor based on the record data or the display data. If the user is the likely interactor, then the system conducts a hands-free interaction with the user account or provides loyalty rewards to the user account.

Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Abstract: An account management system establishes a facial template for a user based on an image. The user computing device, signed into a payment application at the merchant location, receives an identifier from a merchant beacon device to transmit to the account management system, which transmits payment tokens based on payment account data and facial templates to the merchant POS device for each user signed in at the merchant location. The merchant POS device identifies the user by comparing a captured image of the user against the received facial templates and transmits the payment token to an issuer system. At a later time, the account management system receives, from a user computing device, a subsequent user image and generates a subsequent facial template. If the difference of the subsequent facial template is less than a threshold from the existing facial template, the subsequent facial template is associated with the user account.

Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.

Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Abstract: A user signs into an application via a user computing device at a merchant system location. The user computing device receives an identifier from a beacon device at the location to transmit to an account management system. The account management system transmits facial templates to the merchant camera device for users who are signed in to the application in range of the merchant beacon device. The user approaches a point of sale device to purchase a restricted product or service. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator, after determining that the user is eligible for the restricted product or service based on account information of the user, selects a payment account of the user. The merchant POS device transmits transaction details to the account management system, which processes the transaction with an issuer system.

Abstract: A merchant and a user register with a payment processing system, which establishes a facial template based on a user image. The user signs into a payment application via a user computing device, which receives an identifier from a merchant beacon device to transmit to the payment processing system. The payment processing system transmits facial templates to the merchant camera device for other users who are also signed in to the payment application in range of the merchant beacon device. The merchant camera device compares a captured facial image against the received facial templates to identify the user. A merchant POS device operator selects an account of the user. The merchant POS device transmits transaction details to the payment processing system, which processes the transaction with an issuer system. The payment processing system receives an approval of the transaction authorization request and transmits a receipt to the merchant POS device.

Abstract: An account management system establishes a facial template for a user based on an image. The user computing device, signed into a payment application at the merchant location, receives an identifier from a merchant beacon device to transmit to the account management system, which transmits payment tokens based on payment account data and facial templates to the merchant POS device for each user signed in at the merchant location. The merchant POS device identifies the user by comparing a captured image of the user against the received facial templates and transmits the payment token to an issuer system. At a later time, the account management system receives, from a user computing device, a subsequent user image and generates a subsequent facial template. If the difference of the subsequent facial template is less than a threshold from the existing facial template, the subsequent facial template is associated with the user account.

Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Abstract: An account management system establishes a facial template for a user based on an image. The user computing device, signed into a payment application at the merchant location, receives an identifier from a merchant beacon device to transmit to the account management system, which transmits payment tokens based on payment account data and facial templates to the merchant POS device for each user signed in at the merchant location. The merchant POS device identifies the user by comparing a captured image of the user against the received facial templates and transmits the payment token to an issuer system. At a later time, the account management system receives, from a user computing device, a subsequent user image and generates a subsequent facial template. If the difference of the subsequent facial template is less than a threshold from the existing facial template, the subsequent facial template is associated with the user account.

Abstract: Requesting, by a requesting device, from an Internet of Things (IoT) device, an IoT device identifier over a communication link between the devcies. Requesting, by the requesting device from an authorization device over a communication network including at least one TCP/IP link, authorization to command the IoT device to perform an action. Determining, by the authorization device, an authorization of the requesting device to command the identified IoT device to perform the requested action based on the IoT device identifier, the requesting device identifier, and the command. For a requesting device determined authorized, transmitting an encrypted authorization to the requesting device over the communication network. Relaying, by the requesting device to the IoT device via the first communication link, the authorization. Decrypting, by the IoT device, the authorization and performing the action specified therein.

Abstract: An account management system establishes an account for a user. The user enters user account information into the account and the account management system establishes a facial template for the user based on an image of the face of the user. The user requests to change user account information at a merchant POS (POS) device. The merchant POS device captures a facial image of the user and transmits the image the account management system, which generates a facial template and compares the generated facial template against the existing facial template associated with user account. If the generated facial template is less than a threshold difference from the existing facial template, the user may update user account information at the merchant POS device, which communicates the updated user account information to the account management system. The account management system associates the updated user account information with the user account.

Abstract: Requesting, by a requesting device, from an Internet of Things (IoT) device, an IoT device identifier over a communication link between the devices. Requesting, by the requesting device from an authorization device over a communication network including at least one TCP/IP link, authorization to command the IoT device to perform an action. Determining, by the authorization device, an authorization of the requesting device to command the identified IoT device to perform the requested action based on the IoT device identifier, the requesting device identifier, and the command. For a requesting device determined authorized, transmitting an encrypted authorization to the requesting device over the communication network. Relaying, by the requesting device to the IoT device via the first communication link, the authorization. Decrypting, by the IoT device, the authorization and performing the action specified therein.

Abstract: A user verification system is configured to identify likely interactors approaching points of interaction to ensure accurate interactions and to provide loyalty rewards. In an example, a interaction system installs a user verification device with a stereo camera at an interacting device to capture images of the user and to obtain data from the device. The user verification device uses the stereo camera to determine the location of the user to determine if the user is a likely interactor. The user verification device recognizes motions of the user that are indicative of an interactor, such as reaching across the counter or looking at the operator. The user verification device identifies or verifies the interactor based on the record data or the display data. If the user is the likely interactor, then the system conducts a hands-free interaction with the user account or provides loyalty rewards to the user account.

Abstract: A service system establishes a facial template for a user based on a user image. The user signs into a service application via a user computing device, which receives an identifier from a beacon device to transmit to the account management system. The account management system transmits facial templates based on payment account data for each user signed in at the service system location and transmits facial templates to a service computing device. The service computing device compares a captured facial image of a user initiating a service request against the received facial templates to identify the user. The service computing device receives a token from the account management system for the identified user. The service computing device transmits transaction details and the token to an issuer system to process the transaction. The service computing device receives an approval of the transaction authorization request.

Abstract: An account management system establishes a facial template for a user based on an image. The user computing device, signed into a payment application at the merchant location, receives an identifier from a merchant beacon device to transmit to the account management system, which transmits payment tokens based on payment account data and facial templates to the merchant POS device for each user signed in at the merchant location. The merchant POS device identifies the user by comparing a captured image of the user against the received facial templates and transmits the payment token to an issuer system. At a later time, the account management system receives, from a user computing device, a subsequent user image and generates a subsequent facial template. If the difference of the subsequent facial template is less than a threshold from the existing facial template, the subsequent facial template is associated with the user account.