Audible transaction verification with an assistance device

Patent metadata

Field	Value
Publication number	US-12205573-B2
Application number	US-202217847266-A
Country	US
Kind code	B2
Filing date	Jun 23, 2022
Priority date	Jun 23, 2022
Publication date	Jan 21, 2025
Grant date	Jan 21, 2025

Abstract

A user assistance device aids validation of transactions on payment terminals. A payment terminal that accepts a payment card at a point of sale can be detected. A transaction amount for validation can be determined from the payment terminal. Subsequently, audio of the transaction amount can be generated. Playing of the audio on a user assistance device can then be triggered, allowing a user to hear the transaction amount before accepting or rejecting the transaction. Further, transaction information can be analyzed and used to suggest whether a customer should accept or reject the transaction.

First claim

What is claimed is:

1. A system, comprising:
a processor coupled to a memory that includes instructions that, when executed by the processor, cause the processor to:
automatically detect a presence of a payment terminal, based on computer vision analysis of the payment terminal, that supports electronic payment through payment cards at a point of sale;
determine a transaction amount presented by the payment terminal for audio-based user-validation from the payment terminal;
generate, based on the determined transaction amount presented by the payment terminal, an audio representation of the determined transaction amount with a text-to-speech converter; and
trigger playing of the audio representation on a wearable user assistance device.

2. The system of claim 1 , wherein the instructions further cause the processor to establish wireless communication with the payment terminal.

3. The system of claim 2 , wherein the instructions further cause the processor to determine the transaction amount based on communication with the payment terminal.

4. The system of claim 1 , wherein the instructions further cause the processor to detect the presence of the payment terminal is based on computer vision analysis of one or more images captured by the wearable user assistance device.

5. The system of claim 4 , wherein the instructions further cause the processor to request by way of the wearable user assistance device that a user initiate wireless communication between the payment terminal and the wearable user assistance device.

6. The system of claim 5 , wherein the request instructs the user to activate the wireless communication from the payment terminal.

7. The system of claim 1 , wherein the instructions further cause the processor to initiate optical character recognition to determine the transaction amount from an image of a display of the payment terminal.

8. The system of claim 1 , wherein the instructions further cause the processor to generate a recommendation to approve or deny the transaction amount based on analysis of the transaction amount.

9. The system of claim 1 , wherein the processor is associated with a smartphone in communication with the wearable user assistance device.

10. The system of claim 1 , wherein the wearable user assistance device corresponds to audio glasses that include at least one speaker on a frame.

11. A computer-implemented method, comprising:
executing, on a processor, instructions that cause the processor to perform operations associated with transaction validation, the operations comprising:
detecting a presence of a payment terminal, based on object detection of the payment terminal, that supports electronic payment through payment cards at a point of sale;
determining a transaction amount for audio-based user-validation from the payment terminal;
generating, based on the determined transaction amount presented by the payment terminal, an audio representation of the determined transaction amount with a text-to-speech converter; and
initiating playing of the audio representation on a wearable user assistance device.

12. The method of claim 11 , wherein the operations further comprise analyzing one or more images captured by a camera of the wearable user assistance device to detect the payment terminal based on the object detection.

13. The method of claim 12 , wherein the operations further comprise requesting by way of the wearable user assistance device that a user initiate wireless communication between the payment terminal and the wearable user assistance device.

14. The method of claim 11 , wherein detecting the payment terminal further comprises detecting a wireless signal transmitted by the payment terminal.

15. The method of claim 11 , wherein the operations further comprise establishing wireless communication between the wearable user assistance device and the payment terminal.

16. The method of claim 11 , further initiating optical character recognition to determine the transaction amount from an image of a display of the payment terminal.

17. The method of claim 11 , wherein the operations further comprise initiating playing of an audio message on the wearable user assistance device that includes instructions regarding one or more actions to validate the transaction amount.

18. A computer-implemented method, comprising:
detecting a payment terminal that supports electronic payment through payment cards at a point of sale based on object detection of the payment terminal;
establishing wireless communication with the payment terminal;
generating an audio version of a transaction amount presented by the payment terminal for audio-based user-validation received from the payment terminal with a text-to-speech converter; and
triggering playing of the audio version on a wearable user assistance device.

19. The method of claim 18 , further comprising sending a message to a user of the wearable user assistance device to initiate broadcast of a wireless signal from the payment terminal.

20. The method of claim 18 , further comprising:
analyzing the transaction amount;
generating a recommendation to accept or deny the transaction amount based on a result of the analyzing;
generating an audio representation of the recommendation; and
triggering playing of the audio representation on the wearable user assistance device.

Assignees

• Capital One Services Llc
• Captial One Services Llc

Inventors

• Edwards Joshua
• Benkreira Abdelkader M'Hamed
• Lyles Noel
• Mossoba Michael

Classifications

• G10L15/26

  Speech to text systems (G10L15/08 takes precedence) · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/16 Primary

  Payments settled via telecommunication systems · CPC title

• G06F3/167

  Audio in a user interface, e.g. using voice commands for navigating, audio feedback · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title