Back to results
US 2021/0342853 A1Published application
Techniques to process biometric and transaction data to determine an emotional state of a user while performing a transaction
AssigneeCapital One Services, LLC
InventorsSophie BERMUDEZ, Salik SHAH, Latika GULATI
Life of this patent
Estimating the term…
Abstract
Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.
Claims20
A system, comprising:
- a memory to store instructions;
- and
- processing circuitry, coupled with the memory, operable to execute the instructions, that when executed, cause the processing circuitry to:
- receive, from a transaction card, biometric data comprising one or more biometric characteristics of a user detected by one or more biometric devices of the transaction card;
- apply a model to the biometric data and transaction data associated with a transaction to determine an emotional state of the user, the emotional state of the user comprising one of a positive emotional state or a negative emotional state, and the model trained on historical biometric data and historical transaction data associated with previous transactions and biometric characteristics of a plurality of users;
- determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction, wherein the action comprises at least one of an enablement operation to cause performance of the transaction, a confirmation operation to request the user to confirm the transaction, and an incentive operation to provide an incentive to the user for the transaction;
- and
- cause one of performance of the action, communication of the confirmation operation, or performance of the incentive operation, or a combination thereof.
5 more elements
A computer-implemented method, comprising:
- receiving, by a system and from a transaction card, biometric data comprising one or more biometric characteristics of a user detected by one or more biometric devices of the transaction card;
- applying, by the system, a model to the biometric data and transaction data associated with a transaction to determine an emotional state of the user, the emotional state of the user comprising one of a positive emotional state or a negative emotional state, and the model trained on historical biometric data and historical transaction data associated with previous transactions and biometric characteristics of a plurality of users;
- determining, by the system, an action associated for the transaction based on the emotional state of the user during the performance of the transaction, wherein the action comprises at least one of an enablement operation to cause performance of the transaction, a confirmation operation to request the user to confirm the transaction, and an incentive operation to provide an incentive to the user for the transaction;
- and
- causing, by the system, one of performance of the action, communication of the confirmation operation, or performance of the incentive operation, or a combination thereof.
2 more elements
Dependencies are inferred from the claim text.