Payment device security

A computer-implemented method comprising:

• determining a security request based at least in part on a code obtained from a payment device, the security request to initiate a comparison of an identity of a customer to an identity of an authorized user of the payment device, wherein the identity of the authorized user comprises an image of the authorized user that is stored in a storage included in a security server that is remote from and that is accessible by a point-of-sale (POS) device;
• capturing an image of the customer;
• based at least in part on the code obtained from the payment device, accessing, by the POS device, the image of the authorized user of the payment device from the storage;
• implementing the security request by initiating, without input from a human operator of the POS device, an image analysis to electronically determine whether the image of the authorized user of the payment device accessed from the storage includes a same person as the image of the customer captured after presentation of the payment device to pass the security request, wherein initiating the image analysis includes:
• detecting one or more first features in the image of the customer;
• detecting one or more second features in the image of the authorized user;
• and
• comparing, using a feature analysis algorithm, the one or more first features with the one or more second features to determine a likelihood that the image of the customer and the image of the authorized user include one or more similar features;
• determining that the security request failed based at least in part on comparing the one or more first features with the one or more second features;
• and
• rejecting the payment device, prior to processing a payment, in response to the security request having failed.

One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:

• accessing, using a point-of-sale (POS) device, a code from a payment device, the code being associated with multiple security requests defined at least in part by an authorized user of the payment device;
• identifying at least a portion of the multiple security requests based at least in part on the code, individual security requests of the multiple security requests associated with a corresponding different process to verify whether a customer redeeming the payment device is the authorized user of the payment device;
• randomly selecting one of the multiple security requests as a selected security request;
• capturing an image of the customer;
• obtaining, based at least in part on the code, an image of the authorized user of the payment device;
• detecting one or more first features in the image of the customer;
• detecting one or more second features in the image of the authorized user;
• comparing the one or more first features with the one or more second features;
• and
• performing the selected security request to determine whether the customer is the authorized user of the payment device or is not the authorized user of the payment device based at least in part in comparing the one or more first features with the one or more second features.

One or more non-transitory computer-readable media storing computer-executable instructions that, when executed on one or more processors, performs acts comprising:

• accessing a code stored on a payment device;
• determining a security request based at least in part on the code, the security request to initiate a comparison of an identity of a customer to an identity of an authorized user of the payment device, wherein the identity of the authorized user comprises an image of the authorized user that is stored in a storage included in a security server;
• capturing an image of the customer;
• based at least in part on the accessed code, accessing the image of the authorized user of the payment device from the storage;
• detecting one or more first features in the image of the authorized user;
• detecting one or more second features in the image of the customer;
• implementing the security request by performing image analysis to electronically compare the one or more first features with the one or more second features;
• and
• determining whether the customer is an authorized user of the payment device, based at least in part on an outcome of the implemented security request and based at least in part on comparing the one or more first features with the one or more second features.

A method of authenticating a customer, the method comprising:

• capturing an image of the customer;
• based at least in part on information received from the customer, accessing an image of an authorized person from a server;
• detecting one or more first features in the image of the customer;
• detecting one or more second features in the image of the authorized person;
• electronically comparing the one or more first features with the one or more second features;
• and
• determining whether the customer passes the authentication based at least in part on the electronically comparing the one or more first features with the one or more second features.