US Patent 9881295 Face-to-face payments with augmented reality

A method for making a payment using a mobile device. The method includes capturing a facial image of a payee using a camera of the mobile device, wherein the payment is due from the user of the mobile device to the payee, retrieving an identifier of the payee based on the facial image, retrieving payment recipient identification information of the payee from a registered payee list based on the identifier, displaying, on the mobile device, a composite image comprising the facial image of the payee and the payment recipient identification information of the payee, receiving an input from the user authorizing the payment from a financial account of the user to the payee, and initiating the payment from the financial account to the payee based on the payment recipient identification information.