Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check in the customer at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.

Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check in the customer at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.

Abstract: A QR code is combined with a base image, preserving useful functionalities of both the base image and the QR code. For example, the base image remains clearly visible and recognizable by humans; the transparent QR code remains readable by scanners; machine image search can distinguish the base image from the combined image; and faces of the combined image are usable by machine face recognition programs. A QR code is generated with transparencies for different regions. An inner portion and outer shell portion for each module each may have different transparencies. Inner portion size relative to outer shell size is selectively adjustable. The generated QR code image may be combined with a given base image such as a face or company logo using the transparency values of the QR code image to make the two images appear as overlaid on one another with varying degrees of transparency.

Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check in the customer at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.

Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check the customer in at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.

Abstract: A QR code is combined with a base image, preserving useful functionalities of both the base image and the QR code. For example, the base image remains clearly visible and recognizable by humans; the transparent QR code remains readable by scanners; machine image search can distinguish the base image from the combined image; and faces of the combined image are usable by machine face recognition programs. A QR code is generated with transparencies for different regions. An inner portion and outer shell portion for each module each may have different transparencies. Inner portion size relative to outer shell size is selectively adjustable. The generated QR code image may be combined with a given base image such as a face or company logo using the transparency values of the QR code image to make the two images appear as overlaid on one another with varying degrees of transparency.

Abstract: A QR code is combined with a base image, preserving useful functionalities of both the base image and the QR code. For example, the base image remains clearly visible and recognizable by humans; the transparent QR code remains readable by scanners; machine image search can distinguish the base image from the combined image; and faces of the combined image are usable by machine face recognition programs. A QR code is generated with transparencies for different regions. An inner portion and outer shell portion for each module each may have different transparencies. Inner portion size relative to outer shell size is selectively adjustable. The generated QR code image may be combined with a given base image such as a face or company logo using the transparency values of the QR code image to make the two images appear as overlaid on one another with varying degrees of transparency.

Abstract: A QR code is combined with a base image, preserving useful functionalities of both the base image and the QR code. For example, the base image remains clearly visible and recognizable by humans; the transparent QR code remains readable by scanners; machine image search can distinguish the base image from the combined image; and faces of the combined image are usable by machine face recognition programs. A QR code is generated with transparencies for different regions. An inner portion and outer shell portion for each module each may have different transparencies. Inner portion size relative to outer shell size is selectively adjustable. The generated QR code image may be combined with a given base image such as a face or company logo using the transparency values of the QR code image to make the two images appear as overlaid on one another with varying degrees of transparency.

Abstract: A system or method may be provided to facilitate automatic user authentication for electronic transactions. In particular, the system or method may automatically authenticate a customer such that the customer may make complete hands free payments without the intervention of the customer or the merchant. The automatic authentication may include a check-in process and a payment authentication process. When a customer enters a designated area of a merchant, a BLE beacon device of the merchant may automatically check the customer in at the designated area of the merchant. After the customer is checked in at the merchant's designated area, the merchant may identify the customer who is about to make a payment from a plurality of other customers who also are checked in at the merchant via Bluetooth proximity and facial recognition in parallel. Thus, the customer may automatically be authenticated to make payments by facial recognition or Bluetooth proximity.

Abstract: Methods and systems for facilitating secure payments are described. A user signature is shared with a merchant without providing an actual signature to the merchant. A signature code encoded with a user's handwritten signature is generated and presented to a merchant upon request for signature. The signature code is scanned by the merchant, and data in the signature code is transmitted to a service provider. The service provider receives the data and retrieves the signature. The signature code can be used at a retail location during checkout, during delivery of merchandise, or for acknowledgement of mail delivery.