# US 2022/0036341 A1 · Trigger peer to peer payment with financial cards and phone camera > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2022/0036341 A1 - Document ID: US20220036341A1 - Status: Published application - Kind: A1 - Application number: 17/503,871 - Filed: 2021-10-18 - Published: 2022-02-03 - Earliest claimed: 2018-03-02 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Michael MOSSOBA; Joshua EDWARDS; Abdelkader M'Hamed BENKREIRA - Web page: https://patentgrep.com/patent/US20220036341A1 ## CPC - G06Q 20/346: {Cards serving only as information carrier of service} - G06Q 20/223: {based on the use of peer-to-peer networks} - 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 20/40145: {Biometric identity checks} - 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 ## Abstract The disclosure relates to initiating and completing peer to peer payments or peer to merchant payments initiated by financial cards and cameras of mobile devices. In some embodiments, the disclosed systems and methods may provide an accurate determination of parties involved in a peer to peer transaction, be useable with hardware and software that users are already in possession of, and securely initiate a peer to peer transaction. The disclosed systems may include a server communicatively coupled to a mobile device by a network. The server may receive an image of one or more financial cards, retrieve account information for each financial card in the received image, generate a proposed transaction based on the retrieved account information, transmit the proposed transaction to the mobile device, receive approval for the proposed transaction and initiate a payment or a transfer to an account based on the retrieved account information. ## Claims ### Claim 1 A method comprising: receiving, by a server and from a mobile device communicatively coupled to the server via a network, an image of a financial object, wherein the financial object is associated with a party to a transaction, wherein the server further comprises a non-transitory memory storing computer-readable instructions and at least one processor; determining, by the server, account information for the party associated with the financial object based on an analysis of the image of the financial object; generating, by the server, at least one proposed transaction including parameters for the proposed transaction based on the determined account information; transmitting, by the server, the at least one proposed transaction to the mobile device; receiving, by the server, an approval for the at least one proposed transaction; and initiating, by the server, the approved proposed transaction by initiating at least one of crediting or debiting the account associated with the party to the approved proposed transaction, responsive to receiving approval for the at least one proposed transaction. ### Claim 2 (depends on 1) The method of claim 1, wherein the financial object comprises at least one of a financial card, card, token, indicia, or a transaction document. ### Claim 3 (depends on 1) The method of claim 1, wherein the parameters for the at least one proposed transaction comprise at least one of a payer, a recipient, and a transaction value. ### Claim 4 (depends on 3) The method of claim 3, wherein at least one of the payer, the recipient, and the transaction value are determined by the relative positioning of the financial object and at least one other financial object within the received image. ### Claim 5 (depends on 1) The method of claim 1, wherein determining the account information for the party associated with the financial object in the image comprises: identifying at least one information field for the financial object in the image; and querying a database communicatively coupled to the server to determine if the financial object is associated with an account. ### Claim 6 (depends on 5) The method of claim 5, wherein the at least one information field comprises at least one of a name, financial card account number, financial card expiration date, security code, and signature. ### Claim 7 (depends on 1) The method of claim 1, wherein account information further comprises at least one of account holder name, account type, account holder address, account holder income, account holder balance, account holder credit, account holder preferred transaction medium, and account holder contact information. ### Claim 8 (depends on 1) The method of claim 1, comprising: receiving, by the server, an image of a transaction document, wherein generating the parameters is at least partially based on the received transaction document, wherein the transaction document comprises at least one of a receipt, a statement, a bill of sale, a menu, and an itemized list. ### Claim 9 (depends on 1) The method of claim 1, comprising: receiving, by the server, a user-input transaction parameter, wherein generating the parameters is at least partially based on the received user-input transaction parameter. ### Claim 10 (depends on 1) The method of claim 1, wherein the image comprises at least one additional financial card, each of the at least one additional financial card comprising an additional party to the at least one proposed transaction. ### Claim 11 A system comprising: at least one server communicatively coupled to a remote device by a network, wherein the at least one server further comprises a non-transitory memory storing computer-readable instructions and at least one processor; execution of the computer-readable instructions causing the at least one server to: receive, from the remote device, an image of a financial object, wherein the financial object is associated with a party to a transaction; determine account information for the party associated with the financial object based on an analysis of the image of the financial object; generate at least one proposed transaction including parameters for the proposed transaction based on the determined account information; transmit the at least one proposed transaction to the remote device; receive an approval for the at least one proposed transaction; and initiate the approved proposed transactions by initiating at least one of crediting or debiting the account associated with the party to the approved proposed transaction, responsive to receiving approval for the proposed transaction. ### Claim 12 (depends on 11) The system of claim 11, wherein the remote devices is further configured to: provide a user interface for modifying and approving transactions, wherein the user interface is communicatively coupled to the at least one server; display, via the user interface, at least one template for financial object placement; obtain, by a camera associated with the remote device, an image of one or more financial objects placed in accordance with the displayed at least one template; transmit the obtained image to the at least one server; receive, from the at least one server, at least one proposed transaction; display, via the user interface, the at least one proposed transaction; receive, via an input of the user interface, approval of the displayed at least one proposed transaction; and transmit, by the user interface, at least one of an approval or update of the displayed at least one proposed transaction. ### Claim 13 (depends on 12) The system of claim 12, wherein the at least one server is further configured to: receive an update of the displayed proposed transaction; and update the displayed proposed transaction. ### Claim 14 (depends on 11) The system of claim 11, wherein the financial object comprises at least one of a financial card, card, token, indicia, or a transaction document. ### Claim 15 (depends on 11) The system of claim 11, wherein the parameters for the proposed transaction comprise at least one of a payer, a recipient, and a transaction value. ### Claim 16 (depends on 15) The system of claim 15, wherein at least one of the payer, the recipient, and the transaction value are determined by the relative positioning of the financial object and at least one other financial object within the received image. ### Claim 17 (depends on 11) The system of claim 11, wherein the server is further configured to: identify at least one information field from each financial object in the image; and query a database communicatively coupled to the at least one server to determine if the financial object is associated with an account. ### Claim 18 (depends on 17) The system of claim 17, wherein the at least one information field comprises at least one of a name, financial card account number, financial card expiration date, security code, and signature. ### Claim 19 (depends on 11) The system of claim 11, wherein account information further comprises at least one of account holder name, account type, account holder address, account holder income, account holder balance, account holder credit, account holder preferred transaction medium, and account holder contact information. ### Claim 20 (depends on 11) The system of claim 11, wherein the server is further configured to: receive an image of a transaction document, wherein generating the parameters is at least partially based on the received transaction document, wherein the transaction document comprises at least one of a receipt, a statement, a bill of sale, a menu, and an itemized list.