Systems and methods for facilitating transactions in a virtual reality environment

Patent metadata

Field	Value
Publication number	US-2019180270-A1
Application number	US-201715839762-A
Country	US
Kind code	A1
Filing date	Dec 12, 2017
Priority date	Dec 12, 2017
Publication date	Jun 13, 2019
Grant date	—

Abstract

Methods and systems for facilitating a payment transaction for a user in a virtual reality (VR) environment are described herein. Based on detecting a first interaction of the user with a physical payment card in the physical environment, a virtual payment card corresponding to the physical payment card is generated in the VR environment. The virtual payment card may have a different serial number than the physical payment card. In response to detecting a second interaction of the user with the physical payment card in the physical environment, a transaction using the virtual payment card in the VR environment is processed.

First claim

What is claimed is:

1 . A method of facilitating a transaction in a virtual reality environment, the method comprising:
determining, by one or more hardware processors, that a first user has performed a first interaction with a physical card; in response to determining that the first user has performed the first interaction with the physical card, obtaining, by one or more hardware processors, an image of the physical card; extracting, by one or more hardware processors, information associated with an account from the captured image; generating, by one or more hardware processors, a virtual card using the extracted information; and presenting, by one or more hardware processors, a representation of the virtual card in the virtual reality environment.

2 . The method of claim 1 , further comprising:
determining that the first user has performed a second interaction with the physical card while the first user is interacting with a virtual merchant within the virtual reality environment; and in response to determining that the first user has performed the second interaction with the physical card, processing a transaction for the virtual merchant using the account.

3 . The method of claim 1 , further comprising generating the representation of the virtual card.

4 . The method of claim 3 , wherein the information of the account is obfuscated in the representation of the virtual card.

5 . The method of claim 1 , wherein the representation of the virtual card is viewable only by a set of users authorized by the first user.

6 . The method of claim 1 , further comprising:
determining that the virtual card is passed to a second user who is authorized by the first user to use the virtual card; and enabling the second user to conduct a transaction using the account by interacting with the virtual card in the virtual reality environment.

7 . The method of claim 6 , further comprising:
determining that the first user has performed a third interaction with the physical card; and in response to determining that the first user has performed the third interaction with the physical card, disabling the second user from making a payment completing the transaction in the virtual reality environment using the account.

8 . The method of claim 7 , further comprising in response to determining that the first user has performed the third interaction with the physical card, automatically moving the virtual card back to the first user.

9 . The method of claim 6 , further comprising in response to determining that the second user initiates the transaction using the virtual card in the virtual reality environment, transmitting a notification to the first user, wherein the notification comprises information related to the transaction.

10 . The method of claim 1 , wherein the information associated with the account comprises a first card identifier, wherein the generated virtual card comprises a second card identifier different from the first card identifier and lacks information related to the first card identifier.

11 . The method of claim 10 , further comprising:
receiving a request for a transaction using the second card identifier; determining that the transaction is initiated in the virtual reality environment; and in response to determining that the transaction is initiated in the virtual reality environment, processing the transaction using the account.

12 . The method of claim 10 , further comprising:
receiving a request for a transaction using the second card identifier; determining that the transaction is initiated outside of the virtual reality environment; and in response to determining that the transaction is initiated outside of the virtual reality environment, denying the request.

13 . A system for facilitating a transaction in a virtual reality environment, the system comprising:
a non-transitory memory; and one or more hardware processors coupled with the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
determining that a first user has performed a first interaction with a physical card;
in response to determining that the first user has performed the first interaction with the physical card, obtaining an image of the physical card;
extracting information associated with an account from the captured image;
generating a virtual card using the extracted information; and
presenting a representation of the virtual card object in the virtual reality environment.

14 . The system of claim 13 , wherein the operations further comprise:
determining that the first user has performed a second interaction with the physical card while the first user is interacting with a second user within the virtual reality environment; and in response to determining that the first user has performed the second interaction with the physical card, processing a transaction for the second user using the account.

15 . The system of claim 13 , wherein the operations further comprise generating the representation of the virtual card.

16 . The system of claim 15 , wherein the information of the account is obfuscated in the representation of the virtual card.

17 . The system of claim 13 , wherein the operations further comprise:
determining that the virtual card is passed to a third user who is authorized by the first user to use the virtual card; and enabling the third user to use the virtual as part of a transaction by interacting with the virtual card in the virtual reality environment.

18 . The system of claim 17 , wherein the operations further comprise:
determining that the first user has performed a third interaction with the physical card; and in response to determining that the first user has performed the third interaction with the physical card, disabling the third user from using the virtual card in the virtual reality environment.

19 . The system of claim 18 , wherein the operations further comprise in response to determining that the first user has performed the third interaction with the physical card, automatically relocating the virtual card back to the first user.

20 . A non-transitory machine readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
determining that a first user has performed a first interaction with a physical object; in response to determining that the first user has performed the first interaction with the physical object, obtaining identifying data associated with the physical object; extracting information associated with the physical object from the identifying data; generating a virtual object corresponding to the physical object using the extracted information; and presenting a representation of the virtual object in the virtual reality environment.

Assignees

• Paypal Inc

Inventors

• Ericson Braden

Classifications

• G06Q20/351 Primary

  Virtual cards · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/32

  using wireless devices · CPC title

• G06Q20/321

  using wearable devices · CPC title