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US 11,727,467 B2Granted
Systems and methods for secure management of a universal shopping cart
AssigneeCapital One Services, LLC
InventorsJoshua S. Edwards, Michael Mossoba
Life of this patent
Estimating the term…
Abstract
The disclosed embodiments provide systems, methods, and techniques for managing transaction cards. User registration processes, order processes, and failure detection processes for a secure universal shopping cart are provided. Systems and methods may acquire identifiers. Systems and methods may also identify items associated with the identifiers. In addition, systems and methods may acquire a list of merchants that offer each item. Systems and methods may further determine, for each identifier, merchants based on user preferences. Even further, systems and methods may generate a payment token for each item. Systems and methods may then transmit the payment token for each item to its respective merchant.
Claims20
A system for securely providing item data retrieved from multiple platforms using aggregated information, the system comprising:
- one or more memory devices storing instructions;
- and
- one or more processors configured to execute instructions to:
- acquire, via a communication network, a first item identifier from a first user device of a first user and a second item identifier from a second user device of a second user, wherein the first user is associated with a first user profile and the second user is associated with a second user profile;
- identify a first item associated with the first item identifier and a second item associated with the second item identifier;
- store, via the communication network, a plurality of authentication information from a plurality of platform devices for a plurality of platforms;
- determine a user set comprising the first user and the second user based on an association between the first user profile and the second user profile;
- determine an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;
- retrieve first authentication data of a first platform of the plurality of platforms and second authentication data of a second platform of the plurality of platforms based on the aggregated preference;
- provide, to the first and the second user devices, an option based on a first platform-provided identifier of the first item obtained by accessing the first platform using the first authentication data and a second platform-provided identifier of the second item by accessing the second platform using the second authentication data;
- receive, via the communication network, an indication of an order in response to an interaction with a selection of the option;
- and
- determine, based on the indication of the order, whether to generate a first token and a second token, the first token generated for transmission to the first platform and the second token generated for transmission to the second platform.
10 more elements
A method comprising:
- acquiring, by one or more processors, a first item identifier from a first device of a first user and a second item identifier from a second device of a second user via a communication network;
- identifying, by one or more processors, a first item associated with the first item identifier and a second item associated with the second item identifier;
- determining, by one or more processors, a user set comprising the first user and the second user based on an association between the first user and the second user;
- determining, by one or more processors, an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;
- retrieving, by one or more processors, first authentication data of a first platform and second authentication data of a second platform based on the aggregated preference;
- and
- providing, by one or more processors, to the first device and the second device, an option based on a first platform-provided identifier of the first item obtained by accessing the first platform using the first authentication data and a second platform-provided identifier of the second item obtained by accessing the second platform using the second authentication data.
4 more elements
A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors, cause operations comprising:
- acquiring a first item identifier from a first device and a second item identifier from a second device via a communication network;
- identifying a first item associated with the first item identifier and a second item associated with the second item identifier;
- determining a user set comprising a first user and a second user;
- determining an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;
- retrieving first authentication data of a first platform and second authentication data of a second platform from a plurality of platforms based on the aggregated preference;
- and
- providing, to the first device and the second device a set of options based on a first platform-provided identifier of the first item obtained by accessing the first platform using the first authentication data and a second platform-provided identifier of the second item obtained by accessing the second platform using the second authentication data.
4 more elements
Dependencies are inferred from the claim text.