# US 10,482,664 B1 · Augmented and virtual reality system and method for conducting transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,482,664 B1 - Document ID: US10482664B1 - Status: Granted - Kind: B1 - Application number: 15/381,173 - Filed: 2016-12-16 - Granted: 2019-11-19 - Earliest claimed: 2016-12-16 - Assignees: JPMorgan Chase Bank, N.A. - Applicants: JPMorgan Chase Bank, N.A. - Inventors: Ryan A. Schlosser; Alex Lieberman; Christian Desousa; Spencer Gray; James D. Porterfield; Nicholas Hoeffler; Jimmy Z. Ye; Mariah Cleveland - Web page: https://patentgrep.com/patent/US10482664B1 ## CPC - G06T 19/006: {Mixed reality (object pose determination, tracking or camera calibration for mixed reality G06T7/00)} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3224: {Transactions dependent on location of M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/4014: {Identity check for transactions} - G06Q 30/0643: {graphically representing goods, e.g. 3D product representation} - G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract An AR/VR system is provided for facilitating transactions. A computer memory stores at least one browser for accessing and downloading at least one downloadable mobile application, wherein the mobile application is downloadable over the Internet. A computer processor executes the instructions stored in memory and accesses the stored mobile application to operate in conjunction with an AR/VR device to perform multiple steps. The steps include capturing an image of an identifying object and authenticating an authorized system user based on the captured image. The steps additionally include receiving selection of an action from the authorized user, providing a virtual environment or overlays for a real environment based on the selected action, and executing user instructions within the virtual environment or real environment with overlays in accordance with the selected action. ## Claims ### Claim 1 A system comprising: at least on computer processor executing instructions stored in a computer memory and accessing a mobile application to operate in conjunction with an augment reality or virtual reality (AR/VR) device to: register information relating to a physical location of a user of the AR/VR device; send a notification to the AR/VR device including at least one selectable uniform resource locator (URL) based on the registered information; receive, by the AR/VR device, the notification when the AR/VR device is offline; select the at least one selectable URL, wherein selection of the at least one selectable URL automatically brings the AR/VR device online to complete at least one AR/VR functionality; display the at least one selectable AR/VR functionality based on the registered information; capture an image of an identifying object; authenticate the user to access said at least one selectable AR/VR functionality and complete a transaction within the AR/VR functionality based on the captured image; receive a selection of the AR/VR functionality based on successful completion of the authentication; provide a virtual environment or overlays for a real environment based on the selected AR/VR functionality; and execute one or more received user requests within the virtual environment or the real environment with overlays in accordance with the selected AR/VR functionality. ### Claim 2 (depends on 1) The system of claim 1, wherein the identifying object comprises a bank statement, a credit card, or a driver's license. ### Claim 3 (depends on 1) The system of claim 1, wherein the selected AR/VR functionality is a shopping action. ### Claim 4 (depends on 3) The system of claim 3, wherein the shopping action is an in-person shopping action and a Bluetooth low energy beacon triggers a shopping engine. ### Claim 5 (depends on 4) The system of claim 4, wherein the shopping engine displays available varieties of an item overlaid on a physical item. ### Claim 6 (depends on 3) The system of claim 3, wherein the shopping action is an online shopping action and an AR or VR environment displays a home environment of the system user. ### Claim 7 (depends on 6) The system of claim 6, wherein the shopping engine displays a virtual inventory in a virtual store layout. ### Claim 8 (depends on 3) The system of claim 3, wherein geolocation of the system user triggers the shopping engine. ### Claim 9 (depends on 1) The system of claim 1, wherein the selected AR/VR functionality is a money transfer and a banking engine utilizes blue tooth low energy beacons to identify money transfer participants. ### Claim 10 (depends on 1) The system of claim 1, wherein the selected AR/VR functionality is a parking action, and the AR/VR device provides multiple parking options including an indication of available spaces. ### Claim 11 An augment reality or virtual reality (AR/VR) method for facilitating transactions, the method comprising: utilizing at least on computer processor executing instructions stored in a computer memory and accessing a mobile application to operate in conjunction with an AR/VR device to: register information relating to a physical location of a user of the AR/VR device; send a notification to the AR/VR device including at least one selectable uniform resource locator (URL) based on the registered information; receive, by the AR/VR device, the notification when the AR/VR device is offline; select the at least one selectable URL, wherein selection of the at least one selectable URL automatically brings the AR/VR device online to complete at least one AR/VR functionality; display the at least one selectable AR/VR functionality based on the registered information; capture an image of an identifying object; authenticate the user to access AR/VR functionality and complete a transaction within the AR/VR functionality based on the captured image; receive a selection of the AR/VR functionality based on successful completion of the authentication; provide a virtual environment or overlays for a real environment based on the selected AR/VR functionality; and execute one or more received user requests within the virtual environment or the real environment with overlays in accordance with the selected AR/VR functionality. ### Claim 12 (depends on 11) The method of claim 11, wherein the selected AR/VR functionality is a shopping action. ### Claim 13 (depends on 11) The method of claim 11, wherein the shopping action is an in-person shopping action and a Bluetooth low energy beacon triggers a shopping engine. ### Claim 14 (depends on 13) The method of claim 13, wherein the shopping engine displays available varieties of an item overlaid on a physical item. ### Claim 15 (depends on 11) The method of claim 11, wherein the shopping action is an online shopping action and an AR or VR environment displays a home environment of the system user. ### Claim 16 (depends on 15) The method of claim 15, wherein the shopping engine displays a virtual inventory in a virtual store layout. ### Claim 17 (depends on 11) The method of claim 11, wherein geolocation of the system user triggers the shopping engine. ### Claim 18 (depends on 11) The method of claim 11, wherein the selected AR/VR functionality is a money transfer and a banking engine utilizes blue tooth low energy beacons to identify money transfer participants. ### Claim 19 (depends on 11) The method of claim 11, wherein the selected AR/VR functionality is a parking action, and the AR/VR device provides multiple parking options including an indication of available spaces. ### Claim 20 A non-transitory computer readable medium storing instructions thereon, wherein the instructions when executed by a computer processor causes the computer processor to perform steps including: accessing a mobile application to operate in conjunction with an augment reality or virtual reality (AR/VR) device; registering information relating to a physical location of a user of the AR/VR device; sending a notification to the AR/VR device including at least one selectable uniform resource locator (URL) based on the registered information; receiving, by the AR/VR device, the notification when the AR/VR device is offline; selecting the at least one selectable URL, wherein selection of the at least one selectable URL automatically brings the AR/VR device online to complete at least one AR/VR functionality; displaying the at least one selectable AR/VR functionality based on the registered information; capturing an image of an identifying object; authenticating the user to access said at least one selectable AR/VR functionality and complete a transaction within the AR/VR functionality based on the captured image; receiving a selection of the AR/VR functionality based on successful completion of the authentication; providing a virtual environment or overlays for a real environment based on the selected AR/VR functionality; and executing one or more received user requests within the virtual environment or the real environment with overlays in accordance with the selected AR/VR functionality.