Importance

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Abstract

Methods, systems, and storage media are disclosed for passive liveness detection using artificial intelligence. Example implementations may receive an image of a person's face; generate a cropped version of that image; generate two different embeddings using two convolutional neural networks that are fed the image and the cropped image, respectively; generate a combined embedding that is a concatenation of the two embeddings; and generate, based on the combined embedding, an output indicating whether the facial portion corresponds to a live person. In addition, systems, devices, and methods for multi-factor authentication for transaction processing are provided. A point-of-transaction device captures customer information, biometric data, and images of identification documents and transmits the information to a transaction information server which receives the transaction request, queries one or more storage records to confirm the identity of the customer to the transaction and to determine whether the customer is authorized to engage in the transaction. The point-of-transaction device communicates a transaction identifier code and at least a portion of the transaction request to a transaction authority. The transaction authority transmits a confirmation signal to the point-of-transaction device based on the transaction identifier code and the transaction request.

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First Claim