18154150. SYSTEMS AND METHODS FOR VALIDATING CUSTOMER INTERACTIONS simplified abstract (Capital One Services, LLC)

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SYSTEMS AND METHODS FOR VALIDATING CUSTOMER INTERACTIONS

Organization Name

Capital One Services, LLC

Inventor(s)

David Kelly Wurmfeld of Fairfax VA (US)

SYSTEMS AND METHODS FOR VALIDATING CUSTOMER INTERACTIONS - A simplified explanation of the abstract

This abstract first appeared for US patent application 18154150 titled 'SYSTEMS AND METHODS FOR VALIDATING CUSTOMER INTERACTIONS

Simplified Explanation

The abstract describes a method for generating and using dynamic QR codes for completing transactions. Here are the key points:

  • The method involves generating a first dynamic QR code with multiple frames, each transmitted at a different frequency.
  • The frames of the QR code include both non-viable frames and at least one viable frame.
  • The first dynamic QR code is displayed on a computing device, with the viable frame shown at a specific time.
  • A pulse is transmitted to a user device.
  • In response to receiving the pulse, the user device captures the viable QR code frame at the specific time.
  • The user device then generates and displays a second dynamic QR code, which prompts the computing device to complete a requested transaction.

Potential applications of this technology:

  • Mobile payments: The method can be used to securely complete transactions using QR codes, providing a convenient and contactless payment option.
  • Ticketing systems: Dynamic QR codes can be used for ticket validation, allowing for easy and efficient entry into events or transportation.
  • Loyalty programs: QR codes can be used to track and redeem loyalty points or rewards, enhancing customer engagement and retention.

Problems solved by this technology:

  • Security: By using dynamic QR codes with multiple frames and specific timing, the method ensures that only viable frames are captured, reducing the risk of unauthorized access or fraud.
  • Convenience: The use of QR codes simplifies the transaction process, eliminating the need for physical cards or cash, and enabling quick and seamless payments.

Benefits of this technology:

  • Enhanced security: The method provides an additional layer of security by using dynamic QR codes and specific timing, making it more difficult for malicious actors to intercept or tamper with the transaction.
  • Improved user experience: QR codes offer a user-friendly and intuitive way to complete transactions, making it easier for customers to make payments or redeem rewards.
  • Cost-effective: Implementing QR code-based transactions can be more cost-effective compared to traditional payment methods, as it eliminates the need for physical cards or specialized payment terminals.


Original Abstract Submitted

A method may include generating, by a computing device, a first dynamic QR code comprising a plurality of QR code frames, each QR code frame transmitted at a first frequency, the plurality of QR code frames comprising non-viable QR code frame(s) and at least one viable QR code frame. The method may include displaying, by the computing device, the first dynamic QR code, the at least one viable QR code frame displayed at a first time. The method may include transmitting, by the computing device, a first pulse to a user device. The method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable QR code frame. The method may include generating and displaying, by the user device, a second dynamic QR code, causing the computing device to complete a requested transaction.

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