Systems and methods of image processing for remote validation

1. A computer-implemented method for enhancing the security of online transactions by assessing an authenticity of a document that is remote using video processing analysis, the computer-implemented method comprising:

receiving, by 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 the 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.

2. The method of claim 1 , further comprising:

prior to receiving the video stream data, receiving a transaction request; and

transmitting a request for the video stream data in response to receiving the transaction request.

3. The method of claim 2 , wherein the transaction request is received from a second server system distinct from the server system and the client device.

4. The method of claim 1 , further comprising: initiating the remedial process to request additional video stream data in response to determining that the aggregate assessment score does not satisfy the validity threshold.

5. The method of claim 1 , further comprising: prior to providing the authentication message, obtaining location information for the client device.

6. The method of claim 5 , further comprising:

determining, based on the location information, that the client device does not match acceptable location data of the client device; and

initiating a fraud report including the location information as an indication of where suspected fraud is taking place.

7. The method of claim 1 , further comprising:

acquiring an image from the video stream data; and

obtaining document data from the image by applying an optical character recognition technique.

8. The method of claim 1 , including assessing a second characteristic, wherein assessing the second characteristic includes:

comparing, by the one or more processors, the second characteristic to a corresponding previously-captured and verified characteristic of the first type of document to determine whether verification criteria for the second characteristic have been satisfied; and

updating, by the one or more processors, the aggregate assessment score for the document based on the determination as to whether the verification criteria for the second characteristic have been satisfied.

9. The method of claim 8 , wherein the second characteristic includes one or more of a surface reflectivity of the document, a hologram of the document, a color gradient of the document, an aspect ratio of the document, an edge thickness of the document, and a length of the document.

10. 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.

11. The server system of claim 10 , wherein the one or more programs further comprise instructions for, prior to providing the authentication message, checking location information associated with the video stream data; and

wherein the authentication message is based at least in part on an assessment of the location information.

12. The server system of claim 10 , wherein the one or more programs further comprise instructions for:

initiating the remedial process to request additional video stream data in response to determining that the aggregate assessment score does not satisfy the validity threshold.

13. The server system of claim 10 , wherein the one or more programs further comprise instructions for assessing a second characteristic, wherein assessing the second characteristic includes:

comparing, by the one or more processors, the second characteristic to a corresponding previously-captured and verified characteristic of the first type of document to determine whether verification criteria for the second characteristic have been satisfied; and

updating, by the one or more processors, the aggregate assessment score for the document based on the determination as to whether the verification criteria for the second characteristic have been satisfied.

14. The server system of claim 13 , wherein the second characteristic includes one or more of a surface reflectivity of the document, a hologram of the document, a color gradient of the document, an aspect ratio of the document, an edge thickness of the document, and a length of the document.

15. 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.

16. The non-transitory computer readable storage medium of claim 15 , wherein the one or more programs further comprise instructions for, prior to providing the authentication message, checking location information associated with the video stream data; and

wherein the authentication message is based at least in part on an assessment of the location information.

17. The non-transitory computer readable storage medium of claim 15 , wherein the one or more programs further comprise instructions for:

initiating the remedial process to request additional video stream data in response to determining that the aggregate assessment score does not satisfy the validity threshold.

18. The non-transitory computer readable storage medium of claim 15 , wherein the one or more programs further comprise instructions for assessing a second characteristic, wherein assessing the second characteristic includes:

comparing, by the one or more processors, the second characteristic to a corresponding previously-captured and verified characteristic of the first type of document to determine whether verification criteria for the second characteristic have been satisfied; and

updating, by the one or more processors, the aggregate assessment score for the document based on the determination as to whether the verification criteria for the second characteristic have been satisfied.

19. The non-transitory computer readable storage medium of claim 18 , wherein the second characteristic includes one or more of a surface reflectivity of the document, a hologram of the document, a color gradient of the document, an aspect ratio of the document, an edge thickness of the document, and a length of the document.