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: The present disclosure provides systems and methods to reduce computational costs associated with convolutional neural networks. In addition, the present disclosure provides a class of efficient models termed “MobileNets” for mobile and embedded vision applications. MobileNets are based on a straight-forward architecture that uses depthwise separable convolutions to build light weight deep neural networks. The present disclosure further provides two global hyper-parameters that efficiently trade-off between latency and accuracy. These hyper-parameters allow the entity building the model to select the appropriately sized model for the particular application based on the constraints of the problem. MobileNets and associated computational cost reduction techniques are effective across a wide range of applications and use cases.

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: Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for training an object embedding system. In one aspect, a method comprises providing selected images as input to the object embedding system and generating corresponding embeddings, wherein the object embedding system comprises a thumbnailing neural network and an embedding neural network. The method further comprises backpropagating gradients based on a loss function to reduce the distance between embeddings for same instances of objects, and to increase the distance between embeddings for different instances of objects.

Abstract: The present disclosure provides systems and methods to reduce computational costs associated with convolutional neural networks. In addition, the present disclosure provides a class of efficient models termed “MobileNets” for mobile and embedded vision applications. MobileNets are based on a straight-forward architecture that uses depthwise separable convolutions to build light weight deep neural networks. The present disclosure further provides two global hyper-parameters that efficiently trade-off between latency and accuracy. These hyper-parameters allow the entity building the model to select the appropriately sized model for the particular application based on the constraints of the problem. MobileNets and associated computational cost reduction techniques are effective across a wide range of applications and use cases.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for generating numeric embeddings of images. One of the methods includes obtaining training images; generating a plurality of triplets of training images; and training a neural network on each of the triplets to determine trained values of a plurality of parameters of the neural network, wherein training the neural network comprises, for each of the triplets: processing the anchor image in the triplet using the neural network to generate a numeric embedding of the anchor image; processing the positive image in the triplet using the neural network to generate a numeric embedding of the positive image; processing the negative image in the triplet using the neural network to generate a numeric embedding of the negative image; computing a triplet loss; and adjusting the current values of the parameters of the neural network using the triplet loss.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for generating numeric embeddings of images. One of the methods includes obtaining training images; generating a plurality of triplets of training images; and training a neural network on each of the triplets to determine trained values of a plurality of parameters of the neural network, wherein training the neural network comprises, for each of the triplets: processing the anchor image in the triplet using the neural network to generate a numeric embedding of the anchor image; processing the positive image in the triplet using the neural network to generate a numeric embedding of the positive image; processing the negative image in the triplet using the neural network to generate a numeric embedding of the negative image; computing a triplet loss; and adjusting the current values of the parameters of the neural network using the triplet loss.

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: 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 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 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: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for generating numeric embeddings of images. One of the methods includes obtaining training images; generating a plurality of triplets of training images; and training a neural network on each of the triplets to determine trained values of a plurality of parameters of the neural network, wherein training the neural network comprises, for each of the triplets: processing the anchor image in the triplet using the neural network to generate a numeric embedding of the anchor image; processing the positive image in the triplet using the neural network to generate a numeric embedding of the positive image; processing the negative image in the triplet using the neural network to generate a numeric embedding of the negative image; computing a triplet loss; and adjusting the current values of the parameters of the neural network using the triplet loss.