Presence verification for electronic transactions
AssigneeCapital One Services, LLC
InventorsZainab Zaki, Jackson Cheek
Life of this patent
Estimating the term…
Abstract
Systems, apparatuses, and methods for verifying physical presence of a mobile device as part of an electronic transaction. Tags may be generated and displayed on one or more display devices. Those tags, which may be time-limited, may be read by a mobile device to verify physical presence of the mobile device as a prerequisite to initiating, continuing with, or completing an electronic transaction, and/or as a decision point in how the electronic transaction is to be conducted.
Claims20
A method comprising:
- generating, by a computing device, a first optically-readable code that indicates a transaction, a first location, and first time information;
- based on a first message, received from another device that has read the first optically-readable code, authenticating the transaction and performing a first portion of the transaction;
- generating a second optically-readable code that indicates a second location and second time information;
- based on a second message received from another device that has read the second optically-readable code:
- determining whether the second location matches the first location;
- and
- determining, based on the first time information and the second time information, a time difference;
- and
- based on a determination that the second location matches the first location and a determination that the time difference satisfies a timeframe criterion, sending a third message associated with a second portion of the transaction.
An apparatus comprising:
- one or more processors;
- and
- memory storing instructions that, when executed by the one or more processors, cause the apparatus to:
- cause display of a first optically-readable code that indicates a first location and first time information;
- based on a first message, sent from a mobile device and that is based on the first optically-readable code, send a second message associated with a first portion of a transaction with the mobile device;
- cause display of a second optically-readable code that indicates a second location and second time information;
- based on a third message sent from the mobile device and that is based on the second optically-readable code, determine a time difference based on the first time information and the second time information;
- and
- based on the second location matching the first location and the time difference satisfying a timeframe criterion, send a fourth message associated with a second portion of the transaction.
A non-transitory computer-readable medium storing instructions that, when executed, configure a computing device to:
- send, based on a received first message that is based on a first optically-readable code, a second message associated with a first portion of a transaction, wherein the first optically-readable code comprises first location information and first time information;
- and
- send, based on a received third message that is based on a second optically-readable code, a fourth message associated with a second portion of the transaction, wherein the second optically-readable code comprises second location information and second time information, and wherein the sending the fourth message is further based on the first location information, the second location information, the first time information, and the second time information.
Dependencies are inferred from the claim text.