Capital One Services, LLC (20240346515). SYSTEM AND METHOD FOR AUGMENTED REALITY DISPLAY OF ACCOUNT INFORMATION simplified abstract

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SYSTEM AND METHOD FOR AUGMENTED REALITY DISPLAY OF ACCOUNT INFORMATION

Organization Name

Capital One Services, LLC

Inventor(s)

Jeffrey Rule of Chevy Chase MD (US)

SYSTEM AND METHOD FOR AUGMENTED REALITY DISPLAY OF ACCOUNT INFORMATION - A simplified explanation of the abstract

This abstract first appeared for US patent application 20240346515 titled 'SYSTEM AND METHOD FOR AUGMENTED REALITY DISPLAY OF ACCOUNT INFORMATION

Simplified Explanation:

The patent application describes a method for displaying augmented reality images of account information on a transaction card without visible markings. The technology involves capturing and processing real-time images of the card surface to verify the background pattern associated with the cardholder's account. Upon successful verification, the user device communicates with a card processor on the transaction card to receive an encrypted verification block. This block is then used to request authentication from an authentication server. Once authenticated, the user device generates an augmented reality image displaying account information superimposed on the card's background pattern.

  • **Key Features and Innovation**:
   - Displaying augmented reality images of account information on indicialess transaction cards.
   - Verifying card background patterns in real-time to authenticate cardholder accounts.
   - Establishing communication between user devices and card processors for secure transactions.
   - Generating encrypted verification blocks for authentication requests.
   - Superimposing account indicia on card background patterns for augmented reality display.

Potential Applications: The technology can be applied in various industries such as banking, retail, and security for secure and convenient transactions. It can enhance user experience by providing visual account information in real-time.

Problems Solved: The technology addresses the need for secure authentication and display of account information on transaction cards without visible markings. It streamlines the verification process and enhances transaction security.

Benefits: - Enhanced security for transaction cards. - Convenient display of account information. - Real-time authentication for secure transactions. - Improved user experience with augmented reality technology.

Commercial Applications: Title: Augmented Reality Display for Secure Transactions This technology can be utilized in banking systems, retail POS terminals, and access control systems to provide secure and visually appealing transaction experiences. Market implications include increased customer trust, reduced fraud, and improved user engagement.

Prior Art: Research on augmented reality technology in transaction cards and secure authentication methods can provide insights into similar innovations in the field.

Frequently Updated Research: Stay updated on advancements in augmented reality technology, secure authentication methods, and user interface design for transaction cards to enhance the effectiveness of this innovation.

Questions about Augmented Reality Display for Secure Transactions: 1. How does the technology ensure the security of account information on transaction cards? 2. What are the potential applications of augmented reality in enhancing user experience in secure transactions?


Original Abstract Submitted

a method is provided for displaying an augmented reality image of account information associated with an indicialess transaction card having a card surface with a background pattern applied thereto. a real-time image of the card surface is captured and processed to determine if the background pattern matches a card background pattern associated with a cardholder account. responsive to a positive determination, communication is established between the user device processor and a card processor carried by the indicialess transaction card. the user device processor receives from the card processor an encrypted verification block and transmits, to an authentication server, an authentication request including the verification block. responsive to receiving a positive authentication response, the user device constructs an augmented reality image comprising account indicia and displays the augmented reality image superimposed over the real-time image of the background pattern on the card surface of the indicialess transaction card.

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