Systems and methods for secure management of a universal shopping cart

Patent metadata

Field	Value
Publication number	US-11727467-B2
Application number	US-202017012007-A
Country	US
Kind code	B2
Filing date	Sep 3, 2020
Priority date	Mar 1, 2018
Publication date	Aug 15, 2023
Grant date	Aug 15, 2023

Abstract

The disclosed embodiments provide systems, methods, and techniques for managing transaction cards. User registration processes, order processes, and failure detection processes for a secure universal shopping cart are provided. Systems and methods may acquire identifiers. Systems and methods may also identify items associated with the identifiers. In addition, systems and methods may acquire a list of merchants that offer each item. Systems and methods may further determine, for each identifier, merchants based on user preferences. Even further, systems and methods may generate a payment token for each item. Systems and methods may then transmit the payment token for each item to its respective merchant.

First claim

What is claimed is:

1. A system for securely providing item data retrieved from multiple platforms using aggregated information, the system comprising:
one or more memory devices storing instructions; and
one or more processors configured to execute instructions to:
acquire, via a communication network, a first item identifier from a first user device of a first user and a second item identifier from a second user device of a second user, wherein the first user is associated with a first user profile and the second user is associated with a second user profile;
identify a first item associated with the first item identifier and a second item associated with the second item identifier;
store, via the communication network, a plurality of authentication information from a plurality of platform devices for a plurality of platforms;
determine a user set comprising the first user and the second user based on an association between the first user profile and the second user profile;
determine an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;
retrieve first authentication data of a first platform of the plurality of platforms and second authentication data of a second platform of the plurality of platforms based on the aggregated preference;
provide, to the first and the second user devices, an option based on a first platform-provided identifier of the first item obtained by accessing the first platform using the first authentication data and a second platform-provided identifier of the second item by accessing the second platform using the second authentication data;
receive, via the communication network, an indication of an order in response to an interaction with a selection of the option; and
determine, based on the indication of the order, whether to generate a first token and a second token, the first token generated for transmission to the first platform and the second token generated for transmission to the second platform.

2. The system of claim 1 , wherein the one or more processors are further configured to:
generate the first token and the second token; and
transmit, via the communication network, the first token to the first platform and the second token to the second platform.

3. The system of claim 1 , wherein the first preference is associated with the first user, and wherein the second preference is associated with the second user.

4. A method comprising:
acquiring, by one or more processors, a first item identifier from a first device of a first user and a second item identifier from a second device of a second user via a communication network;
identifying, by one or more processors, a first item associated with the first item identifier and a second item associated with the second item identifier;
determining, by one or more processors, a user set comprising the first user and the second user based on an association between the first user and the second user;
determining, by one or more processors, an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;
retrieving, by one or more processors, first authentication data of a first platform and second authentication data of a second platform based on the aggregated preference; and
providing, by one or more processors, to the first device and the second device, an option based on a first platform-provided identifier of the first item obtained by accessing the first platform using the first authentication data and a second platform-provided identifier of the second item obtained by accessing the second platform using the second authentication data.

5. The method of claim 4 , wherein the first item identifier is an image, and wherein identifying the first item comprises:
determining text associated with the image based on optical character recognition; and
identifying the first item based on the determined text.

6. The method of claim 4 , wherein the first item identifier is a first image, and wherein identifying the first item comprises identifying the first item based on the first image and a similarity score between the first image and a second image of a plurality of images.

7. The method of claim 4 , further comprising:
training a machine learning model using information on historical data made by a third user of the user set, wherein the information on the historical data includes information on items associated with the third user and platforms associated with the third user; and
determining the aggregated preference based on the machine learning model.

8. The method of claim 4 , further comprising:
training a machine learning model, using information on historical data made by a user set, to identify items associated with the user set and a second plurality of platforms; and
determining the aggregated preference based on the machine learning model.

9. The method of claim 4 , wherein determining the user set comprises calculating a commonality score for each user of the user set to another user of the user set, wherein the commonality score for each of the user set is above a threshold.

10. The method of claim 4 , wherein the aggregated preference comprises a preference based on shipping costs.

11. A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors, cause operations comprising:
acquiring a first item identifier from a first device and a second item identifier from a second device via a communication network;
identifying a first item associated with the first item identifier and a second item associated with the second item identifier;
determining a user set comprising a first user and a second user;
determining an aggregated preference for the user set based on a plurality of preferences, the plurality of preferences comprising a first preference associated with at least one user of the user set and a second preference associated with at least another user of the user set;
retrieving first authentication data of a first platform and second authentication data of a second platform from a plurality of platforms based on the aggregated preference; and
providing, to the first device and the second device a set of options based on a first platform-provided identifier of the first item obtained by accessing the first platform using the first authentication data and a second platform-provided identifier of the second item obtained by accessing the second platform using the second authentication data.

12. The medium of claim 11 , wherein the operations to determine a first merchant further comprises:
acquiring a first location associated with one the first device or the second device; and
determining the first platform based on a distance between the first location and a second location associated with the first platform.

13. The medium of claim 11 , further comprising:
identifying an application programmable interface (API) associated with the first platform; and
transmitting a first token to the first platform via the API.

14. The medium of claim 11 , further comprising:
generating a first token and a second token, wherein the first token comprises data associated with the first item, and wherein the second token comprises data associated with the secon

Assignees

• Capital One Services Llc

Inventors

• Edwards Joshua S
• Mossoba Michael

Classifications

• G06Q30/0633 Primary

  Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087) · CPC title

• G06N20/00

  Machine learning · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06Q20/367

  involving electronic purses or money safes · CPC title