公开(公告)号：US20180182016A1

公开(公告)日：2018-06-28

申请号：US15665913

申请日：2017-08-01

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Marco S. Giampaolo ,  Karen Nickerson ,  Justin Wishne ,  Drew Jacobs ,  Justin Smith ,  Hannes Jouhikainen

IPC: G06Q30/06 ,  G06Q10/08 ,  A41D1/00 ,  G06N5/02

CPC classification number: G06Q30/0631 ,  A41D1/00 ,  G06N5/02 ,  G06Q10/087 ,  G06Q30/0643

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide a virtual wardrobe management system. The system may store wardrobe data associated with a plurality of garments. The system may then receive input data indicative of a garment selection. The system may identify the garment based on the input data received. The system may then generate a garment recommendation based on the selected garment and the stored wardrobe data and provide an indication of the recommendation to a computing device.

公开(公告)号：US10007948B1

公开(公告)日：2018-06-26

申请号：US15667043

申请日：2017-08-02

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Karen Nickerson ,  Justin Wishne ,  Drew Jacobs ,  Justin Smith ,  Marco S. Giampaolo ,  Hannes Jouhikainen

IPC: G06Q30/06 ,  G06Q20/20 ,  G06Q20/40 ,  G06F3/01 ,  G06K9/00 ,  G06F3/16 ,  G06F3/0484

Abstract: A system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data including audio and visual information representing a physical environment. The system may then receive first user input data indicative of a selection of one or more items present in the physical environment, and identify one or more action items in the environmental data based on the first user input data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive second user input data, and provide purchase request data to a merchant terminal to enable a transaction related to the one or more action items.

公开(公告)号：US20170372403A1

公开(公告)日：2017-12-28

申请号：US15626841

申请日：2017-06-19

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Hannes Jouhikainen ,  Drew Jacobs

IPC: G06Q30/06 ,  G06Q20/20

CPC classification number: G06Q30/0631 ,  G06Q20/202

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide complementary product suggestions to a consumer. The system may receive a listing of purchased products, and determine whether any of the purchased products on the listing correspond to one or more predetermined complementary product sets. The system may then identify one or more unpurchased products from the one or more complementary product sets. The system can then notify the consumer of the identified unpurchased products that they may want to purchase.

公开(公告)号：US20160321653A1

公开(公告)日：2016-11-03

申请号：US15143022

申请日：2016-04-29

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Drew Jacobs ,  Daniel Beck ,  Hannes Jouhikainen

IPC: G06Q20/38 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/32 ,  G06Q20/40 ,  G06Q20/36

CPC classification number: G06Q20/3224 ,  G06Q20/367 ,  G06Q20/385

Abstract: Methods and systems are provided for secure payment using tokens. Consistent with disclosed embodiments, a token may be used to authenticate a transaction. The token may include token information configured to replace at least a portion of static information required to authenticate a transaction. A financial services system may provide the token to a digital wallet. The digital wallet may communicate the token to a payment application. A user-associated device may implement the digital wallet and a payment device may implement the payment application. The payment application may provide the token information to a merchant system. The merchant system may provide the token information to the financial services system. The financial services system may authenticate the transaction using the token information received from the merchant system. The disclosed methods may further include determining the proximity of the user-associated device and the payment device to authenticate the request for secure payment.

Abstract translation: 提供方法和系统用于使用令牌进行安全支付。 与所公开的实施例一致，可以使用令牌来认证交易。 令牌可以包括令牌信息，该令牌信息被配置为替代认证交易所需的至少一部分静态信息。 金融服务系统可以将令牌提供给数字钱包。 数字钱包可将令牌传送到支付应用程序。 用户相关联的设备可以实现数字钱包，并且支付设备可以实现支付应用。 支付应用程序可以向商家系统提供令牌信息。 商家系统可以向金融服务系统提供令牌信息。 金融服务系统可以使用从商家系统接收的令牌信息来认证交易。 所公开的方法还可以包括确定用户相关联的设备和支付设备的接近度以验证安全支付请求。