System and method for guiding card positioning using phone sensors

Patent metadata

Field	Value
Publication number	US-12003285-B2
Application number	US-202217751751-A
Country	US
Kind code	B2
Filing date	May 24, 2022
Priority date	Jul 15, 2019
Publication date	Jun 4, 2024
Grant date	Jun 4, 2024

Abstract

A position alignment system facilitates positioning of a contactless card in a ‘sweet spot’ in a target volume relative to a contactless card reading device. Alignment logic uses information captured from available imaging devices such as infrared proximity detectors, cameras, infrared sensors, dot projectors, and the like to guide the card to a target location. The captured image information is processed to identify a card position, trajectory and predicted location using one or both of a machine learning model and/or a Simultaneous Localization and Mapping logic. Trajectory adjustment and prompt identification may be intelligently controlled and customized using machine-learning techniques to customize guidance based on the preference and/or historical behavior of the user. As a result, the speed and accuracy of contactless card alignment is improved and received NFC signal strength is maximized, thereby reducing the occurrence of dropped transactions.

First claim

What we claim is:

1. A computer method, comprising:
capturing, by a camera of the device, a series of images of a contactless card;
identifying a position and a trajectory of the contactless card from the series of images of the contactless card;
predicting a projected position of the card relative to the device based on the position of the card and the trajectory of the contactless card;
determining whether the card is in a target position relative to the device;
in response to determining the card is in the target position, triggering, by the device, an operation to receive data from the card; and
in response to determining the card is not in the target position:
identifying one or more variances between the projected position and the target position including identifying at least one trajectory adjustment predicted to reduce the one or more variances;
determining one or more prompts to achieve the trajectory adjustments; and
displaying the one or more prompts on a display of the device.

2. The method of claim 1 wherein determining the position and the trajectory of the contactless card uses at least one of a machine learning model or a simultaneous localization and mapping (SLAM) process.

3. The method of claim 1 wherein capturing by the camera the series occurs automatically based on a detection made by a proximity sensor.

4. The method of claim 2 , wherein the data comprises a counter value, a shared secret, a key or a combination thereof.

5. The method of claim 1 , wherein the data is received in a cryptogram, and the method comprises:
forwarding the cryptogram to an authentication server, the authentication server maintaining a copy of the data stored by the contactless card; and
receiving an authorization when the cryptogram is validated by the authentication server using the copy of the data stored by the contactless card.

6. The method of claim 1 , wherein the series of images comprises one or both of two-dimensional image information and three-dimensional image information related to one or more of an infrared energy and a visible light energy measured at the device.

7. The method of claim 6 , comprising generating a volume map of a three-dimensional volume proximate to the device using the series of images, the volume map comprising a pixel data for a plurality of pixel locations within the three-dimensional volume proximate to the device.

8. The method of claim 1 wherein identifying the position and the trajectory of the contactless card includes forwarding the series of images to a feature extraction machine learning model trained to process series of images to detect one or more features of the card and to identify the position and the trajectory of the card in response to the detected one or more features.

9. The method of claim 8 , comprising forwarding the series of images to a second machine learning model trained to predict the position and trajectory based on a historic attempt to position the card.

10. The method of claim 9 , wherein the historic attempt used to train the second machine learning model is customized to a user of the device.

11. An apparatus comprising:
a memory configured to store instructions; and
a processor coupled with the memory, the processor configured to execute the instructions, that when executed, cause the processor to:
process a series of images of a contactless card;
determine a position and a trajectory of the contactless card from the series of images of the contactless card;
predict a projected position of the card relative to the device based on the position of the card and the trajectory of the contactless card;
determine whether the card is in a target position relative to the device;
in response to determining the card is in the target position, trigger, by the device, an operation to receive data from the card; and
in response to determining the card is not in the target position:
identify one or more variances between the projected position and the target position including identifying at least one trajectory adjustment predicted to reduce the one or more variances;
determine one or more prompts to achieve the trajectory adjustments; and
display the one or more prompts on a display of the device.

12. The apparatus of claim 11 wherein the processor to determine the position and the trajectory of the contactless card using at least one of a machine learning model or a simultaneous localization and mapping (SLAM) process.

13. The apparatus of claim 11 comprising capturing, by a camera, the series occurs automatically based on a detection made by a proximity sensor.

14. The apparatus of claim 11 , wherein the data comprises a counter value, a shared secret, a key or a combination thereof.

15. The apparatus of claim 11 , wherein the data is received in a cryptogram, and the processor to:
forward the cryptogram to an authentication server, the authentication server maintaining a copy of the data stored by the contactless card; and
receive authorization when the cryptogram is validated by the authentication server using the copy of the data stored by the contactless card.

16. The apparatus of claim 11 , wherein the series of images comprises one or both of two-dimensional image information and three-dimensional image information related to one or more of an infrared energy and a visible light energy measured at the device.

17. The apparatus of claim 16 , the processor to generate a volume map of a three-dimensional volume proximate to the device using the series of images, the volume map comprising a pixel data for a plurality of pixel locations within the three-dimensional volume proximate to the device.

18. The apparatus of claim 11 wherein identifying the position and the trajectory of the contactless card includes forwarding the series of images to a feature extraction machine learning model trained to process series of images to detect one or more features of the card and to identify the position and the trajectory of the card in response to the detected one or more features.

19. The apparatus of claim 18 the processor to forward the series of images to a second machine learning model trained to predict the position and trajectory based on a historic attempt to position the card.

20. The apparatus of claim 19 , wherein the historic attempt used to train the second machine learning model is customized to a user of the device.

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Ilincic Rajko
• Hart Colin
• Herrington Daniel
• Osborn Kevin

Classifications

• H04B5/77 Primary

  for interrogation · CPC title

• G06F3/14

  Digital output to display device {; Cooperation and interconnection of the display device with other functional units} · CPC title

• G06F16/583

  using metadata automatically derived from the content · CPC title

• G06N20/00

  Machine learning · CPC title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title