Systems and methods for executing electronic transactions using secure identity data

A computer-implemented method for verifying a disputed electronic payment transaction using biometric pattern recognition, the method comprising:

• receiving, by a secure data entry system, a request to execute an electronic payment transaction involving a payment instrument;
• capturing, by the secure data entry system utilizing an imaging device, at least one image of a user during the electronic payment transaction;
• generating, by the secure data entry system utilizing a processing device, a first biometric pattern corresponding to the user based on the at least one captured image;
• storing, by the secure data entry system, the first biometric pattern in a database in association with the electronic payment transaction;
• receiving, by the secure data entry system, a dispute of the electronic payment transaction from a holder of the payment instrument;
• obtaining, by the secure data entry system, a second image of the holder of the payment instrument;
• generating, by the secure data entry system, a second biometric pattern based on the second image using a same algorithm used to generate the first biometric pattern;
• comparing, by the secure data entry system, the first biometric pattern with the second biometric pattern;
• and
• determining, by the processing device, the dispute of the electronic payment transaction is invalid based on the comparing.

A secure data entry system for verifying a disputed electronic payment transaction using biometric pattern recognition, the system comprising:

• an imaging device;
• a processing device;
• and
• a non-transitory computer-readable medium storing instructions that, when executed by the processing device, cause the system to perform operations comprising:
• receiving a request to execute an electronic payment transaction involving a payment instrument;
• capturing, utilizing the imaging device, at least one image of a user during the electronic payment transaction;
• generating a first biometric pattern corresponding to the user based on the at least one captured image;
• storing the first biometric pattern in a database in association with the electronic payment transaction;
• receiving a dispute of the electronic payment transaction from a holder of the payment instrument;
• obtaining a second image of the holder of the payment instrument;
• generating a second biometric pattern based on the second image using a same algorithm used to generate the first biometric pattern;
• comparing the first biometric pattern with the second biometric pattern;
• and
• determining the dispute of the electronic payment transaction is invalid based on the comparing.

A non-transitory computer-readable medium storing instructions for verifying a disputed electronic payment transaction using biometric pattern recognition, the instructions, when executed by one or more processors of a secure data entry system, causing the secure data entry system to perform operations comprising:

• receiving a request to execute an electronic payment transaction involving a payment instrument;
• capturing, utilizing an imaging device coupled to the secure data entry system, at least one image of a user during the electronic payment transaction;
• generating a first biometric pattern corresponding to the user based on the at least one captured image;
• storing the first biometric pattern in a database in association with the electronic payment transaction;
• receiving a dispute of the electronic payment transaction from a holder of the payment instrument;
• obtaining a second image of the holder of the payment instrument;
• generating a second biometric pattern based on the second image using a same algorithm used to generate the first biometric pattern;
• comparing the first biometric pattern with the second biometric pattern;
• and
• determining the dispute of the electronic payment transaction is invalid based on the comparing.