18156980. 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 18156980 titled 'SYSTEMS AND METHODS FOR VALIDATING CUSTOMER INTERACTIONS

Simplified Explanation

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

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

Potential applications of this technology:

  • Mobile payments: The method can be used to securely complete transactions using dynamic QR codes on mobile devices.
  • Ticketing: Dynamic QR codes can be used for ticket validation and entry at events or transportation services.
  • Loyalty programs: The method can facilitate the scanning and redemption of loyalty rewards using dynamic QR codes.

Problems solved by this technology:

  • Security: By using dynamic QR codes with specific frames transmitted at specific times, the method enhances security and prevents unauthorized scanning or copying.
  • Efficiency: The method streamlines the transaction process by capturing the viable QR code frame at the specific time, eliminating the need for manual input or scanning.

Benefits of this technology:

  • Enhanced security: The use of dynamic QR codes and specific transmission frequencies reduces the risk of fraud or unauthorized access.
  • Convenience: Users can easily complete transactions by capturing the viable QR code frame with their devices, eliminating the need for physical cards or manual input.
  • Streamlined transactions: The method simplifies the transaction process by automatically generating a second dynamic QR code, enabling seamless completion of requested transactions.


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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