Systems and methods of image processing for remote validation

A server system, comprising:

• one or more processors;
• and
• memory storing one or more programs comprising instructions which, when executed by the one or more processors, cause the one or more processors to perform a set of operations, comprising:
• receiving, by the one or more processors at a server system and from a camera of a client device, video stream data representing a document that is indicative of either a physical payment card or physical identification card which is used to authenticate a current online transaction, the video stream data including a timestamp that indicates when the video stream data was captured;
• determining, by the one or more processors and based on the video stream data, that the document comprises a first type of document of a plurality of document types;
• assessing, by the one or more processors, the document for verification criteria against at least a previously-captured and verified characteristic of the first type of document, including:
• determining, by the one or more processors, whether a change in a relative motion of a shadow gradient across a surface of the document as the document is rotated is consistent with a measured comparison to the first type of document under matching ambient lighting conditions, and
• determining, by the one or more processors and based on the timestamp, whether the video stream data was captured within a predefined threshold to a current time;
• initiating, by the one or more processors, a remedial process in accordance with a determination that the video stream data was not captured within a predefined threshold to the current time, the remedial process including requesting additional video stream data that is used to assess the document for verification criteria;
• updating, by the one or more processors, an aggregate assessment score for the document based on the assessment of the document;
• determining, by the one or more processors, whether the aggregate assessment score satisfies a validity threshold;
• causing, by the one or more processors, a display communicatively coupled to the server system to present an authentication message based on the aggregate assessment score satisfying the validity threshold, wherein:
• the authentication message indicates that the current online transaction cannot be authorized in response to determining that the aggregate assessment score does not satisfy the validity threshold;
• and
• the authentication message indicates that the current online transaction is authorized in response to determining that the aggregate assessment score does satisfy the validity threshold.

A non-transitory computer readable storage medium storing one or more programs, the one or more programs including instructions that when executed by one or more processors cause the one or more processors to perform the operations comprising:

• receiving, by the one or more processors at a server system and from a camera of a client device, video stream data representing a document that is indicative of either a physical payment card or physical identification card which is used to authenticate a current online transaction, the video stream data including a timestamp that indicates when the video stream data was captured;
• determining, by the one or more processors and based on the video stream data, that the document comprises a first type of document of a plurality of document types;
• assessing, by the one or more processors, the document for verification criteria against at least a previously-captured and verified characteristic of the first type of document, including:
• determining, by the one or more processors, whether a change in a relative motion of a shadow gradient across a surface of the document as the document is rotated is consistent with a measured comparison to the first type of document under matching ambient lighting conditions, and
• determining, by the one or more processors and based on the timestamp, whether the video stream data was captured within a predefined threshold to a current time;
• initiating, by the one or more processors, a remedial process in accordance with a determination that the video stream data was not captured within a predefined threshold to the current time, the remedial process including requesting additional video stream data that is used to assess the document for verification criteria;
• updating, by the one or more processors, an aggregate assessment score for the document based on the assessment of the document;
• determining, by the one or more processors, whether the aggregate assessment score satisfies a validity threshold;
• causing, by the one or more processors, a display communicatively coupled to the server system to present an authentication message based on the aggregate assessment score satisfying the validity threshold, wherein:
• the authentication message indicates that the current online transaction cannot be authorized in response to determining that the aggregate assessment score does not satisfy the validity threshold;
• and
• the authentication message indicates that the current online transaction is authorized in response to determining that the aggregate assessment score does satisfy the validity threshold.