Verifying user identities during transactions using identification tokens that include user face data

A computerized method comprising:

• receiving, by a payment network server, an enrollment request from a computing device of a user, the enrollment request including face image data, face liveness data, and payment account data associated with a payment account of the user, wherein the face liveness data includes a face movement of the user;
• generating, by the payment network server, a face identification template of the user using the face image data and the face liveness data;
• verifying an identity of the user using data in the enrollment request including using the face image data and the face liveness data, and, generating, based on the verifying of the identity of the user, by the payment network server, an identification (ID) token that includes the face identification template and the payment account data;
• providing, by the payment network server, the ID token to the computing device of the user;
• and
• causing the computing device to verify the user's identity based on a comparison of captured image data of a face of the user to the face identification template of the ID token during transactions associated with the computing device.

One or more non-transitory computer storage media having computer-executable instructions that, upon execution by a processor, cause the processor to at least:

• receive, by a payment network server, an enrollment request from a computing device of a user, the enrollment request including face image data, face liveness data, and payment account data associated with a payment account of the user, wherein the face liveness data includes a face movement of the user;
• generate, by the payment network server, a face identification template of the user using the face image data and the face liveness data;
• verify an identify of the user using data in the enrollment request including using the face image data and the face liveness data, and, generate, based on the verifying of the identity of the user, by the payment network server, an identification (ID) token that includes the face identification template and the payment account data;
• provide, by the payment network server, the ID token to the computing device of the user;
• and
• cause the computing device to verify the user's identity based on a comparison of captured image data of a face of the user to the face identification template of the ID token during transactions associated with the computing device.