IDENTIFICATION-BASED PAYMENT
Initiating payments using identity verification. A personal identifier that uniquely identifies a prospective payor can also initiate a requested payment without the need for a payment mechanism other than the personal identifier itself. Whether payment is initiated by the personal identifier can depend on a context in which the payment request is made.
1 . An augmented passport, comprising:
a substrate;
information printed on or otherwise encoded on the substrate sufficient to enable a payor to lawfully enter a plurality of countries; and
a payment device printed on or embedded within the substrate, the payment device being configured to be scanned by an electronic scanning device to initiate a payment from an account associated with the payor.
2 . The augmented passport of claim 1 , further comprising an image of a face of the payor printed on or secured to the substrate.
3 . The augmented passport of claim 1 , wherein the payment device includes a magnetic stripe.
4 . The augmented passport of claim 1 , wherein the payment device includes a radio-frequency identification (RFID) tag.
5 . The augmented passport of claim 1 , wherein the payment device includes a near field communication (NFC) chip.
6 . The augmented passport of claim 1 , wherein the payment device includes an integrated circuit (IC) chip.
7 . A payment system, comprising:
an electronic scanning device;
at least one processor; and
memory encoding instructions which, when executed by the at least one processor, cause the at least one processor to verify an identification of a payor based on a scan, by the electronic scanning device, of a unique identifier to provide a verified identification, wherein the verified identification causes a payment to be initiated from an account associated with the payor.
8 . The payment system of claim 7 , wherein the electronic scanning device includes a magnetic stripe reader.
9 . The payment system of claim 7 , wherein the electronic scanning device includes a radio-frequency identification (RFID) tag reader.
10 . The payment system of claim 7 , wherein the electronic scanning device includes a near field communication (NFC) chip reader.
11 . The payment system of claim 7 , wherein the electronic scanning device includes an integrated circuit (IC) chip reader.
12 . The payment system of claim 7 , wherein the electronic scanning device includes a biometric reader.
13 . The payment system of claim 12 , wherein the unique identifier includes a biometric marker of the payor.
14 . The payment system of claim 7 ,
wherein the memory encodes further instructions which, when executed by the at least one processor, cause the at least one processor to:
determine a context of the payment; and
determine, based on the context of the payment, whether the verified identification permits the payment,
wherein the verified identification causes the payment to be initiated from the account associated with the payor when the context permits the payment; and
wherein the verified identification does not cause the payment to be initiated from the account associated with the payor when the context does not permit the payment.
15 . The payment system of claim 14 , wherein the context includes one or more of:
a type of purchase to be made via the payment;
a geographic location of the electronic scanning device;
a geographic location of the unique identifier; and
an identifier of the electronic scanning device.
16 . A method of executing a payment, comprising:
receiving, by a server, a verification of a unique identifier of a payor and a request to initiate the payment;
generating, by the server, a key based on the verification; and
electronically initiating the payment by providing the key to a clearinghouse, the key being configured to enable the clearinghouse to withdraw the payment from an account of the payor.
17 . The method of claim 16 , wherein the unique identifier is provided on a document.
18 . The method of claim 16 , wherein the unique identifier includes a biometric marker.
19 . The method of claim 16 , further comprising:
receiving, by the server, a context of the payment;
generating the key by the server when the context permits the payment; and
not generating the key by the server when the context does not permit the payment.
20 . The method of claim 19 , wherein the context includes one or more of:
a type of purchase to be made via the payment; and
a geographic location of the unique identifier.