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 initiating token transmission to multiple platforms using aggregated information of multiple devices, the system comprising one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, causes the one or more processors to perform operations comprising:
- identifying a first item based on a first item identifier obtained from a first device;
- determining a commonality score based on a user profile associated with the first device;
- in response to a determination that the commonality score satisfies a commonality score threshold, determining a profile group associated with the user profile;
- generating an aggregated profile value based on the profile group;
- selecting a second item based on the aggregated profile value, wherein the second item is associated with a second item identifier obtained from a second device;
- retrieving first authentication data associated with a first platform based on the identifying of the first item and second authentication data associated with a second platform based on the selection of the second item;
- providing, to the first device and the second device, an option based on a first platform-provided identifier and a second platform-provided identifier by accessing the first platform using the first authentication data and the second platform using the second authentication data;
- obtaining an indication of a selection of the option from at least one device of the first device or the second device;
- and
- generating a first token for transmission to the first platform and a second token generated for transmission to the second platform in response to receiving the indication.
A method comprising:
- identifying a first item based on a first item identifier obtained from a first device;
- determining a commonality score based on a user profile associated with the first device;
- in response to a determination that the commonality score satisfies a commonality score threshold, determining a profile group associated with the user profile;
- generating an aggregated profile value based on the profile group;
- selecting a second item based on the aggregated profile value, wherein the second item is associated with a second item identifier obtained from a second device;
- retrieving first authentication data associated with a first platform based on the identifying of the first item and second authentication data associated with a second platform based on the selection of the second item;
- and
- providing, to the first device and the second device, a set of options based on a first platform-provided identifier and a second platform-provided identifier by accessing the first platform using the first authentication data and the second platform using the second authentication data.
One or more non-transitory, computer-readable media comprising instructions that, when executed by one or more processors, cause operations comprising:
- identifying a first item based on a first item identifier obtained from a first device;
- determining a commonality score based on a profile associated with the first device;
- in response to a determination that the commonality score satisfies a commonality score threshold, determining a profile group associated with the profile;
- generating an aggregated profile value based on the profile group;
- selecting a second item based on the aggregated profile value, wherein the second item is associated with a second item identifier obtained from a second device;
- retrieving first authentication data associated with a first platform based on the first item and second authentication data associated with a second platform based the second item;
- and
- providing, to the first device and the second device, a set of options based on a first platform-provided identifier and a second platform-provided identifier by accessing the first platform using the first authentication data and the second platform using the second authentication data.
Dependencies are inferred from the claim text.