Systems and methods for storing dynamic data

Patent metadata

Field	Value
Publication number	US-12282924-B2
Application number	US-202117494617-A
Country	US
Kind code	B2
Filing date	Oct 5, 2021
Priority date	Oct 5, 2021
Publication date	Apr 22, 2025
Grant date	Apr 22, 2025

Abstract

Disclosed embodiments may include a device that may receive data corresponding to transaction card(s) associated with a user. The device may receive first photograph(s) of the user, the first photograph(s) associated with first respective date(s) and first respective time(s). The device may dynamically display a first most recent photograph. The device may receive a request from the user to complete a transaction, the request comprising a selection to utilize first data of the data corresponding to at least one transaction card of the transaction card(s). The device may retrieve the first data to enable the user to complete the transaction. The device may also receive a second photograph associated with a second date and a second time. The device may update the dynamic display with a second most recent photograph by comparing the first respective date(s) and first respective time(s) to the second date and second time.

First claim

What is claimed is:

1. A system comprising:
one or more processors;
a device comprising a display; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the device to:
receive data corresponding to one or more transaction cards associated with a first user;
receive one or more photographs corresponding to one or more respective dates and one or more respective times;
train a machine learning model (MLM) based on a training data comprising one or more labeled photographs to generate a trained MLM, wherein the MLM is stored on the device;
determine, via the trained MLM, a first photograph of the one or more photographs that does not correspond to the first user;
responsive to determining the first photograph of the one or more photographs does not correspond to the first user, transmit an alert indicating potentially fraudulent activity;
dynamically display, via the display, a most recent photograph of the first user by:
identifying a current date and a current time;
determining, via the trained MLM, a second photograph of the one or more photographs that corresponds to the first user; and
determining the most recent photograph of the second photograph of the one or more photographs by comparing the current date and the current time with the one or more respective dates and the one or more respective times associated with the second photograph of the one or more photographs;

receive a first request from the first user to complete a first transaction;
send a prompt to a mobile device associated with the first user, the prompt requesting the first user select a transaction card of the one or more transaction cards to apply to the first transaction;
cause the mobile device associated with the first user to display the prompt via a graphical user interface (GUI);
receive, from the GUI of the mobile device, a response to the prompt comprising a first selection to utilize first data of the data corresponding to at least one transaction card of the one or more transaction cards; and
responsive to receiving the response, retrieve the first data corresponding to the at least one transaction card to enable the first user to complete the first transaction.

2. The system of claim 1 , wherein the display comprises a smart crystal display.

3. The system of claim 2 , wherein the smart crystal display is solar powered.

4. The system of claim 1 , further comprising:
a capacitor configured to receive power from an external power source.

5. The system of claim 1 , wherein the one or more transaction cards comprise one or more of financial cards, banking cards, medical cards, personal identification cards, insurance cards, merchant rewards cards, organization affiliation cards, vehicle cards, tickets, or combinations thereof.

6. The system of claim 1 , wherein the one or more photographs are received from one or more of automated teller machines (ATMs), point of sale (POS) terminals, affiliated entities, government agencies, or combinations thereof.

7. A system comprising:
one or more processors;
a device comprising a display; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the device to:
receive data corresponding to one or more transaction cards associated with a first user;
receive one or more photographs corresponding to one or more respective dates and one or more respective times;
train a machine learning model (MLM) based on a training data comprising one or more labeled photographs to generate a trained MLM, wherein the MLM is stored on the device;
determine, via the trained MLM, a first photograph of the one or more photographs that does not correspond to the first user;
responsive to determining the first photograph of the one or more photographs does not correspond to the first user, transmit an alert indicating potentially fraudulent activity;
dynamically determine a most recent photograph of the first user by:
determining, via the trained MLM, a second photograph of the one or more photographs that corresponds to the first user; and
comparing a current date and a current time with the one or more respective dates and the one or more respective times associated with the second photograph of the one or more photographs;

dynamically display the most recent photograph of the first user;
receive a first request from the first user to complete a first transaction;
send a prompt to a mobile device associated with the first user, the prompt requesting the first user select a transaction card of the one or more transaction cards to apply to the first transaction;
cause the mobile device associated with the first user to display the prompt via a graphical user interface (GUI);
receive, from the GUI of the mobile device, a response to the prompt comprising a first selection to utilize first data of the data corresponding to at least one transaction card of the one or more transaction cards; and
responsive to receiving the response, retrieve the first data corresponding to the at least one transaction card to enable the first user to complete the first transaction.

8. The system of claim 7 , wherein the display comprises a smart crystal display.

9. The system of claim 8 , wherein the smart crystal display is solar powered.

10. The system of claim 7 , further comprising:
a capacitor configured to receive power from an external power source.

11. The system of claim 7 , wherein the one or more transaction cards comprise one or more of financial cards, banking cards, medical cards, personal identification cards, insurance cards, merchant rewards cards, organization affiliation cards, vehicle cards, tickets, or combinations thereof.

12. The system of claim 7 , wherein the one or more photographs are received from one or more of automated teller machines (ATMs), point of sale (POS) terminals, affiliated entities, government agencies, or combinations thereof.

Assignees

• Capital One Services Llc

Inventors

• Fletcher Abel

Classifications

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06N20/00

  Machine learning · CPC title

• G02F1/13324

  Circuits comprising solar cells · CPC title

• G06K19/07707

  the visual interface being a display, e.g. LCD or electronic ink · CPC title

• G06K19/0723

  the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs · CPC title