Image-based multi-user transaction authentication and allocation

An apparatus comprising at least one processor and at least one memory, the at least one memory storing instructions that, when executed by the at least one processor, cause the at least one processor to perform operations including:

• receiving a transaction payment request data object from a first user device comprising one or more imaging devices, wherein the transaction payment request data object comprises:
• image data associated with a plurality of users, wherein the image data includes a captured depiction of the plurality of users, and
• a transaction payment request value;
• identifying at least a first user and a second user from amongst the plurality of users based at least in part upon the image data, wherein identifying the first user and the second user comprises:
• detecting, using a facial recognition machine learning model and based on the image data, a first face and a second face;
• mapping, using a facial image classification machine learning model, the first face to the first user and the second face to the second user;
• inferring, using a body gesture detection machine learning model, a first body gesture of the first user based on the image data and the first face mapped to the first user and a second body gesture of the second user based on the image data and the second face mapped to the second user;
• comparing, using the body gesture detection machine learning model, the first body gesture of the first user to a first authenticating body gesture of the first user and the second body gesture of the second user to a second authenticating body gesture of the second user respectively;
• and
• authenticating, using the body gesture detection machine learning model, the first user and the second user based on a respective comparison of the first body gesture of the first user to the first authenticating body gesture of the first user and the second body gesture of the second user to the second authenticating body gesture of the second user;
• determining a first sub-transaction value for the first user, wherein the first sub-transaction value for the first user defines a first portion of the transaction payment request value of the transaction payment request data object;
• determining a second sub-transaction value for the second user, wherein the second sub-transaction value for the second user defines a second portion of the transaction payment request value of the transaction payment request data object;
• and
• generating a responsive transaction payment data object, wherein the responsive transaction payment data object comprises instructions for executing a transaction responsive to the transaction payment request data object.

A computer program product comprising at least one non-transitory computer-readable storage medium having computer-readable program code stored therein, wherein the computer-readable program code, when executed by at least one processor, causes the at least one processor to perform operations comprising:

• receiving a transaction payment request data object from a first user device comprising one or more imaging devices, wherein the transaction payment request data object comprises:
• image data associated with a plurality of users, wherein the image data includes a captured depiction of the plurality of users, and
• a transaction payment request value;
• identifying at least a first user and a second user from amongst the plurality of users based at least in part upon the image data, wherein identifying the first user and the second user comprises:
• detecting, using a facial recognition machine learning model and based on the image data, a first face and a second face;
• mapping, using a facial image classification machine learning model, the first face to the first user and the second face to the second user;
• inferring, using a body gesture detection machine learning model, a first body gesture of the first user based on the image data and the first face mapped to the first user and a second body gesture of the second user based on the image data and the second face mapped to the second user;
• comparing, using the body gesture detection machine learning model, the first body gesture of the first user to a first authenticating body gesture of the first user and the second body gesture of the second user to a second authenticating body gesture of the second user respectively;
• and
• authenticating, using the body gesture detection machine learning model, the first user and the second user based on a respective comparison of the first body gesture of the first user to the first authenticating body gesture of the first user and the second body gesture of the second user to the second authenticating body gesture of the second user;
• determining a first sub-transaction value for the first user, wherein the first sub-transaction value for the first user defines a first portion of the transaction payment request value of the transaction payment request data object;
• determining a second sub-transaction value for the second user, wherein the second sub-transaction value for the second user defines a second portion of the transaction payment request value of the transaction payment request data object;
• and
• generating a responsive transaction payment data object, wherein the responsive transaction payment data object comprises instructions for executing a transaction responsive to the transaction payment request data object.