PAYMENT PROCESSING USING BIOMETRIC IDENTIFICATION

1 . A system for facial-recognition-based financial transactions, the system comprising:

a client computing device configured for executing instructions on a processor, the instructions comprising:

i. receiving information related to a product or service;

ii. receiving a facial scan and PIN of a user; and

iii. transmitting the information, facial scan, and PIN to a server computing device; and

a server computing device configured for executing instructions on a processor, the instructions comprising:

i. receiving the information, facial scan, and PIN from the client computing device;

ii. selecting a subset of user profiles from a pool of user profiles based on a location of the user;

iii. matching the facial scan to one or more facial pictures associated with the subset of user profiles;

iv. optionally selecting one of the one or more facial pictures based on the PIN and PINs associated with the subset of user profiles; and

v. sending information related to the user profile associated with the selected facial picture and payment information to the client computing device.

2 . The system of claim 1 , wherein the client computing device is further configured for receiving the information sent from the server, displaying payment information to the user, and transmitting a payment selection to the server computing device.

3 . The system of claim 2 , wherein the server computing device is further configured for receiving the payment selection.

4 . The system of claim 1 , wherein the client computing device captures a plurality of frames of video and wherein the server matches the frames of video to one or more live images associated with the subset of user profiles.

5 . The system of claim 1 , wherein the subset of user profiles is selected based on the user's city or ZIP code.

6 . The system of claim 1 , wherein the facial scan is matched to the one or more facial pictures based on a minimum threshold.

7 . The system of claim 1 , wherein the user accrues loyalty points associated with the financial transaction.

8 . The system of claim 7 , wherein the loyalty points are translated into a virtual currency.

9 . The system of claim 1 , wherein the payment information comprises a plurality of credit or debit cards ranked in order of user preference or available balance.

10 . The system of claim 1 , wherein the client computing device is further configured for sending data associated with the user to a profile associated with the user.

11 . The system of claim 1 , further comprising a third-party client computing device, wherein the client computing device is configured to send the data to the third-party computing device based on a captured facial scan of a third-party user of the third-party client computing device.

12 . The system of claim 1 , further comprising a third-party client computing device, wherein a third party captures a facial scan of the user using the third-party client computing device and accesses, based on the facial scan, personal information regarding the user for a limited amount of time.

13 . A method for facial-recognition-based financial transactions, the method comprising:

receiving, at a client computing device, information related to a product or service;

receiving, at the client computing device, a facial scan and PIN of a user; and

transmitting the information, facial scan, and PIN from the client computing device to a server computing device; and

receiving, at the server computing device, the information, facial scan, and PIN from the client computing device;

selecting a subset of user profiles from a pool of user profiles based on a location of the user;

matching the facial scan to one or more facial pictures associated with the subset of user profiles;

optionally selecting one of the one or more facial pictures based on the PIN and PINs associated with the subset of user profiles; and

sending information related to the user profile associated with the selected facial picture and payment information to the client computing device.

14 . The method of claim 12 , further comprising receiving the information sent from the server, displaying payment information to the user, and transmitting a payment selection to the server computing device.

15 . The method of claim 13 , wherein the server computing device is further configured for receiving the payment selection.

16 . The method of claim 12 , wherein the client computing device captures a plurality of frames of video and wherein the server matches the frames of video to one or more live images associated with the subset of user profiles.

17 . The method of claim 12 , wherein the subset of user profiles is selected based on the user's city or ZIP code.

18 . The method of claim 12 , wherein the facial scan is matched to the one or more facial pictures based on a minimum threshold.

19 . The method of claim 12 , wherein the user accrues loyalty points associated with the financial transaction.

20 . The method of claim 12 , wherein the loyalty points are translated into a virtual currency.

21 . The method of claim 12 , wherein the payment information comprises a plurality of credit or debit cards ranked in order of user preference or available balance.

22 . The method of claim 12 , wherein the client computing device is further configured for sending data associated with the user to a profile associated with the user.

23 . The method of claim 12 , further comprising sending the data from the client computing device to a third-party computing device based on a captured facial scan of a third-party user of the third-party client computing device.

24 . The method of claim 12 , further comprising sending personal information regarding the user to a third-party user of a third-party client computing device, wherein the third party captures a facial scan of the user using the third-party client computing device and accesses, based on the facial scan, the personal information for a limited amount of time.