# US 12,217,303 B2 · Systems and methods for currency transfer using augmented reality environments

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- Number: US 12,217,303 B2
- Document ID: US12217303B2
- Status: Granted
- Kind: B2
- Application number: 18/052,734
- Filed: 2022-11-04
- Published: 2024-05-09
- Granted: 2025-02-04
- Earliest claimed: 2022-11-04
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Samuel Rapowitz; Kevin Osborn; Mia Rodriguez; Kathryn Tikoian
- Web page: https://patentgrep.com/patent/US12217303B2

## CPC

- G06Q 30/0643: {graphically representing goods, e.g. 3D product representation}
- G06F 3/011: {Arrangements for interaction with the human body, e.g. for user immersion in virtual reality (blind teaching G09B21/00)}
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/123: {Shopping for digital content}
- G06Q 20/223: {based on the use of peer-to-peer networks}
- G06Q 20/321: {using wearable devices}
- G06Q 20/34: using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q 20/353: {Payments by cards read by M-devices}
- G06Q 20/36: using electronic wallets or electronic money safes
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/401: {Transaction verification}
- G06Q 20/40145: {Biometric identity checks}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 30/0601: Electronic shopping [e-shopping]
- G06T 19/006: {Mixed reality (object pose determination, tracking or camera calibration for mixed reality G06T7/00)}
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06T: IMAGE DATA PROCESSING OR GENERATION, IN GENERAL

## Abstract

Disclosed embodiments may include a system providing for currency transfer using augmented reality environments. The system may receive, at a user device associated with a user, a first input indicating a first selection of a first augmented reality item. The system may receive a second input indicating a first movement of the first augmented reality item. The system may determine whether the first augmented reality item is in proximity to a purchasable item. In response to determining that the first augmented reality item is in proximity to the purchasable item, the system may initiate a transfer by receiving image data containing a computer readable code associated with the purchasable item, processing the image data, retrieving store account information and transfer information regarding the purchasable item, retrieving user account information, and transmitting, to an account processor, the user account information, the store account information, and the transfer information.

## Claims

### Claim 1

A first augmented reality device comprising:
one or more displays;
one or more processors;
memory in communication with the one or more processors and storing instructions that are configured to cause the device to:
receive a first input indicating a first selection of a first augmented reality item associated with a first user;
receive transfer information comprising an amount to transfer to a second user;
receive, from a second user device, a second augmented reality item associated with the second user;
display the first augmented reality item and the second augmented reality item via the one or more displays;
receive a second input associated with a first movement of the first augmented reality item;
determine whether the first augmented reality item is in proximity to the second augmented reality item;
responsive to determining the first augmented reality item is in proximity to the second augmented reality item, initiate a peer-to-peer transfer by:
retrieving first user account information associated with the first user;
receiving, from the second user device, second user account information; and
transmitting, to an account processor indicated by the first user account information, the first user account information, the second user account information, and the transfer information.

### Claim 2 (depends on 1)

The first augmented reality device of claim 1, wherein the first augmented reality item is in proximity to the second augmented reality item when the first augmented reality item contacts the second augmented reality item in an augmented reality space.

### Claim 3 (depends on 1)

The first augmented reality device of claim 1, wherein the first user account information further comprises a first identification and a first platform of the first user, and wherein the second user account information further comprises a second identification and a second platform of the second user.

### Claim 4 (depends on 1)

The first augmented reality device of claim 1, wherein:
the first augmented reality item is a payment instrument; and
the second augmented reality item is a wallet.

### Claim 5 (depends on 1)

The first augmented reality device of claim 1, wherein the memory storing further instructions that are configured to cause the device to:
prior to initiating the peer-to-peer transfer, generate and display a confirmation request and receive a confirmation from the first user.

### Claim 6 (depends on 1)

The first augmented reality device of claim 1, wherein determining whether the first augmented reality item is in proximity to the second augmented reality item further comprises:
measuring a distance from the first augmented reality item to the second augmented reality item; and
determining whether the distance is less than a predetermined threshold for a predetermined amount of time.

### Claim 7 (depends on 1)

The first augmented reality device of claim 1, wherein receiving the second augmented reality item further comprises receiving, from a headset of the second user, a message indicating the second user selecting the second augmented reality item.

### Claim 8 (depends on 1)

The first augmented reality device of claim 1, wherein the memory storing further instructions that are configured to cause the device to:
generate and display a prompt to the first user on the one or more displays to confirm the second augmented reality item from an unknown contact may be displayed; and
receive a third user input confirming that the second augmented reality item may be displayed on the one or more displays.

### Claim 9

A first augmented reality device comprising:
one or more displays;
one or more processors;
memory in communication with the one or more processors and storing instructions that are configured to cause the device to:
receive a first input indicating a first selection of a first augmented reality item of a first user;
receive transfer information comprising an amount to request from a second user;
receive, from a second user device, a second augmented reality item of the second user;
display the first augmented reality item and the second augmented reality item via the one or more displays;
receive, from the second user device, a second input indicating a first movement of the second augmented reality item;
determine whether the second augmented reality item is in proximity to the first augmented reality item;
responsive to determining that the second augmented reality item is in proximity to the first augmented reality item, initiate a peer-to-peer transfer by:
retrieving first user account information associated with the first user;
receiving, from the second user device, second user account information; and
transmitting, to an account processor indicated by the second user account information, the first user account information, the second user account information, and the transfer information.

### Claim 10 (depends on 9)

The first augmented reality device of claim 9, wherein the memory stores further instructions that are configured to cause the device to:
sending, to the second user device, a first request to authenticate the peer-to-peer transfer;
receiving, from the second user device, authentication information; and
determining that the second user is authenticated.

### Claim 11 (depends on 10)

The first augmented reality device of claim 10, wherein the memory stores further instructions that are configured to cause the device to:
receive, from the account processor, the request to authenticate the peer-to-peer transfer; and
transmit, to the account processor, a message that the second user is authenticated.

### Claim 12 (depends on 10)

The first augmented reality device of claim 10, wherein receiving, from the second user device, the authentication information further comprises an authentication gesture captured by the second user device.

### Claim 13 (depends on 10)

The first augmented reality device of claim 10, wherein receiving, from the second user device, the authentication information further comprises an iris scan captured by the second user device.

### Claim 14 (depends on 10)

The first augmented reality device of claim 10, wherein sending, to the second user device, the first request to authenticate the peer-to-peer transfer further comprises sending a message to a mobile device of the second user.

### Claim 15 (depends on 10)

The first augmented reality device of claim 10, further comprising:
sending, to the first user, a second request to authenticate the peer-to-peer transfer;
receiving, from the first user, second authentication information; and
determining that the first user is authenticated.

### Claim 16 (depends on 15)

The first augmented reality device of claim 15, further comprising:
determining that transfer is authenticated; and
sending, to the account processor, that the transfer is authenticated.