Systems and methods for secure management of a universal shopping cart

Patent metadata

Field	Value
Publication number	US-12014412-B2
Application number	US-202318349111-A
Country	US
Kind code	B2
Filing date	Jul 7, 2023
Priority date	Mar 1, 2018
Publication date	Jun 18, 2024
Grant date	Jun 18, 2024

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 initiating token transmission to multiple platforms using aggregated information of multiple devices, the system comprising one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, causes the one or more processors to perform operations comprising:
identifying a first item based on a first item identifier obtained from a first device;
determining a commonality score based on a user profile associated with the first device;
in response to a determination that the commonality score satisfies a commonality score threshold, determining a profile group associated with the user profile;
generating an aggregated profile value based on the profile group;
selecting a second item based on the aggregated profile value, wherein the second item is associated with a second item identifier obtained from a second device;
retrieving first authentication data associated with a first platform based on the identifying of the first item and second authentication data associated with a second platform based on the selection of the second item;
providing, to the first device and the second device, an option based on a first platform-provided identifier and a second platform-provided identifier by accessing the first platform using the first authentication data and the second platform using the second authentication data;
obtaining an indication of a selection of the option from at least one device of the first device or the second device; and
generating a first token for transmission to the first platform and a second token generated for transmission to the second platform in response to receiving the indication.

2. A method comprising:
identifying a first item based on a first item identifier obtained from a first device;
determining a commonality score based on a user profile associated with the first device;
in response to a determination that the commonality score satisfies a commonality score threshold, determining a profile group associated with the user profile;
generating an aggregated profile value based on the profile group;
selecting a second item based on the aggregated profile value, wherein the second item is associated with a second item identifier obtained from a second device;
retrieving first authentication data associated with a first platform based on the identifying of the first item and second authentication data associated with a second platform based on the selection of the second item; and
providing, to the first device and the second device, a set of options based on a first platform-provided identifier and a second platform-provided identifier by accessing the first platform using the first authentication data and the second platform using the second authentication data.

3. The method of claim 2 , further comprising generating a first token for transmission to the first platform and a second token generated for transmission to the second platform in response to receiving an indication of a selection of the set of options from at least one device of the first device or the second device.

4. The method of claim 3 , wherein generating the first token comprises:
receiving a notification of a failure in token transmission for the first token;
retrieving a security scheme based on the notification of the failure; and
performing the security scheme to generate a third token for transmission to the first platform.

5. The method of claim 2 , generating the aggregated profile value comprises:
obtaining a set of predictions by providing values of the profile group to a machine learning model; and
determining the aggregated profile value based on the set of predictions.

6. The method of claim 2 , wherein determining the commonality score comprises:
obtaining a first set of transaction data indicating previously used tokens associated with the user profile; and
determining similarities between the first set of transaction data and a second set of transaction data associated with the profile group.

7. The method of claim 2 , wherein the aggregated profile value is a shared common preference between a plurality of profiles of the profile group, and wherein selecting the second item based on the aggregated profile value comprises:
determining a first result indicating that the user profile does not include a value for a preference; and
selecting the second item by using the aggregated profile value as the value for the preference.

8. The method of claim 2 , wherein the aggregated profile value is a user preference associated with an attribute of an item.

9. The method of claim 2 , wherein determining the profile group comprises, for each respective profile of the profile group:
determining a respective commonality score based on values of the respective profile and an aggregated profile associated with the profile group; and
determining a result indicating that the respective commonality score satisfies the commonality score threshold.

10. The method of claim 2 , further comprising:
determining a result indicating that the aggregated profile value indicates a preference based on distance;
acquiring a first location associated with the first device; and
determining the second platform based on a distance between a second location and the first location.

11. One or more non-transitory, computer-readable media comprising instructions that, when executed by one or more processors, cause operations comprising:
identifying a first item based on a first item identifier obtained from a first device;
determining a commonality score based on a profile associated with the first device;
in response to a determination that the commonality score satisfies a commonality score threshold, determining a profile group associated with the profile;
generating an aggregated profile value based on the profile group;
selecting a second item based on the aggregated profile value, wherein the second item is associated with a second item identifier obtained from a second device;
retrieving first authentication data associated with a first platform based on the first item and second authentication data associated with a second platform based the second item; and
providing, to the first device and the second device, a set of options based on a first platform-provided identifier and a second platform-provided identifier by accessing the first platform using the first authentication data and the second platform using the second authentication data.

12. The one or more non-transitory, computer-readable media of claim 11 , the operations further comprising:
obtaining an indication of a selection of the set of options from at least one device of the first device or the second device; and
generating a first token for transmission to the first platform and a second token generated for transmission to the second platform in response to receiving the indication.

13. The one or more non-transitory, computer-readable media of claim 12 , the operations further comprising:
scraping an electronic document associated with the first token;
identifying an electronic transaction form in the electronic document;
identifying a field associated with the electronic transaction form and information in the first token;
inserting information from the first token into the field; and
transmitting the electronic transaction form to the first platform.

14. The one or more non-transitory, computer-readable media of claim 12 , the operations further comprising:
receiving a first notification from the first platform that the first

Assignees

• Capital One Services Llc

Inventors

• Edwards Joshua S
• Mossoba Michael

Classifications

• G09F2007/1891

  modular · CPC title

• G09F2007/1843

  Frames or housings to hold signs · CPC title

• G09F7/18

  Means for attaching signs, plates, panels, or boards to a supporting structure · CPC title

• G09F7/08

  the elements being secured or adapted to be secured by means of grooves, rails, or slits · CPC title

• G06N20/00

  Machine learning · CPC title