Systems and methods for contactless and secure data transfer

Patent metadata

Field	Value
Publication number	US-10453051-B2
Application number	US-201715844836-A
Country	US
Kind code	B2
Filing date	Dec 18, 2017
Priority date	Dec 19, 2014
Publication date	Oct 22, 2019
Grant date	Oct 22, 2019

Abstract

In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system. The authentication system is configured to receive the at least one first and second identifiers from the sensor, to choose, based on the at least one first identifier and the at least one second identifier, a transaction processing system, and send the at least one first and second identifiers to the chosen transaction processing system.

First claim

The invention claimed is:

1. A system for managing transactions, comprising:
a sensor, comprising:
a first storage device storing instructions; and
a first processor executing the first storage device instructions to perform operations comprising:
receiving a first signal from an item associated with a user, the first signal comprising a unique identifier;
receiving a second signal from a product, the second signal comprising a product identifier;
detecting, based on the first and second signals, initiation of a transaction of the product by detecting;
that the item associated with the user is within a predefined proximity to the sensor; and
that the item associated with the user and the product are within a predefined proximity to one another;

upon detecting initiation of a transaction of the product, sending an authorization request, to an electronic device associated with the user, requesting that the user authorize a purchase of the product;
receiving a user response to the authorization request; and
sending the user response over a network, and

an authentication system comprising:
a second storage device storing instructions; and
a second processor executing the second storage device instructions to perform operations comprising:
receiving, from the sensor, the user response and the unique identifier;
identifying payment information associated with the user based on the user response and the unique identifier; and
sending the identified payment information to a transaction processing system for completing the purchase of the product.

2. The system of claim 1 , wherein the transaction processing system is one of a payment service system or a merchant system.

3. The system of claim 1 , wherein receiving the unique identifier comprises receiving the unique identifier by at least one of electric field communication, magnetic field communication, Near Field Communication, RFID, 802.11 wireless, or Bluetooth.

4. The system of claim 1 , wherein the unique identifier comprises a public identifier and a private identifier.

5. The system of claim 1 , wherein identifying payment information comprises decrypting an encrypted profile associated with the user.

6. The system of claim 1 , wherein the item is at least one of a ring, a piece of jewelry, a card, or a wearable item.

7. The system of claim 1 , wherein receiving the unique identifier comprises receiving the unique identifier when the item is in a predefined proximity to the sensor.

8. The system of claim 1 , wherein the authorization request comprises a request to confirm that the user wishes to purchase the product.

9. The system of claim 1 , wherein the user response comprises at least one of a PIN, a password, biometric data, or a response to a security question.

10. The system of claim 1 , wherein the sensor operations further comprise:
sending a signal that, when received by the item associated with the user, triggers the item to respond.

11. The system of claim 10 , wherein the sent signal empowers the item associated with the user.

12. The system of claim 1 , wherein the sensor operations further comprise:
sending a signal to detect existence of the item associated with the user.

13. The system of claim 1 , wherein the authorization request comprises at least one of a price of the product, a name of the product, or a discount associated with the product.

14. The system of claim 1 , wherein the received response comprises private information, wherein the private information comprises at least one of a PIN, a password, biometric data, or an answer to a security question.

15. The system of claim 1 , wherein the sensor operations further comprise:
sending a signal that, when received by the product, triggers the product to respond.

16. The system of claim 15 , wherein the sent signal provides power to the product.

17. The system of claim 1 , wherein the operations further comprise:
sending a signal that, when received by the item associated with the user, triggers the item to respond.

18. The system of claim 17 , wherein the sent signal provides power the item associated with the user.

19. A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to perform operations comprising:
receiving a first signal from an item associated with a user, the first signal comprising a unique identifier;
receiving a second signal from a product, the second signal comprising a product identifier;
detecting, based on the first and second signals, initiation of a transaction of the product by detecting:
that the item associated with the user is within a predefined proximity to a sensor; and
that the item associated with the user and the product are within a predefined proximity to one another;

upon detecting initiation of a transaction of the product, sending an authorization request, to an electronic device associated with the user, requesting that the user authorize a purchase of the product;
receiving a user response to the authorization request; and
sending the user response over a network.

20. The medium of claim 19 , wherein the unique identifier is received by at least one of electric field communication, magnetic field communication, Near Field Communication, RFID, 802.11 wireless, or Bluetooth.

Assignees

• Capital One Services Llc

Inventors

• Stern Matthew
• Deperro Jason
• Makoski Dan

Classifications

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/425

  using two different networks, one for transaction and one for security confirmation · CPC title

• G06Q20/401

  Transaction verification · CPC title

• G06Q20/4015

  using location information · CPC title