IP Library Granted Patent US 12,154,094
Granted Patent B2
US 12,154,094 · App. 18/052,041 · Granted Nov 26, 2024

Systems and methods to provide user verification in a shared user environment via a device-specific display

Inventor: Charlotte Spender (Tonbridge, GB)
Assignee: Worldpay, LLC
G06Q20/3278G06Q20/4012G06Q20/4014G06T19/006
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12,154,094
App. No.
18/052,041
Filed
Nov 2, 2022
Granted
Nov 26, 2024
Kind
B2
Art Unit
3691
USPC
705/41
Abstract

A method of generating a shared augmented reality payment authentication entry interface includes detecting a first consumer device and a second consumer device; prompting a display of a first augmented reality payment authentication interface at the first consumer device; and prompting a display of a second augmented reality payment authentication interface at the second consumer device.

Claims (45)

1. A system for generating payment authentication entry interfaces for shared user environments, the system comprising:

a data storage device storing instructions for generating a shared augmented reality payment authentication entry interface in an electronic storage medium; and

a processor configured to execute the instructions to perform a method including:

determining, by an augmented reality processor, that a first proximity value of a first consumer device associated with a first user and a second proximity value of a second consumer device associated with a second user are each less than or equal to a proximity threshold value, based on first location data of the first consumer device and second location data of the second consumer device;

receiving, by the augmented reality processor and from the first consumer device, a first request for a first payment authorization of one or more first products;

receiving, by the augmented reality processor and from the second consumer device, a second request for a second payment authorization of one or more second products;

transmitting, by the augmented reality processor and to the first consumer device, a first augmented reality interface based on the first request for the first payment authorization and based on determining that the first proximity value of the first consumer device and the second proximity value of the second consumer device are each less than or equal to a proximity threshold value;

transmitting, by the augmented reality processor and to the second consumer device, a second augmented reality interface based on the second request for the second payment authorization and based on determining that the first proximity value of the first consumer device and the second proximity value of the second consumer device are each less than or equal to a proximity threshold value, wherein a display configuration of the second augmented reality interface is different from a display configuration of the first augmented reality interface, and wherein the display configuration of the first augmented reality interface comprises a first unique randomized display of input characters, and wherein the display configuration of the second augmented reality interface comprises a second unique randomized display of the input characters;

receiving, by the augmented reality processor and from the first consumer device, first payment credentials data input into the first augmented reality interface; and

receiving, by the augmented reality processor and from the second consumer device, second payment credentials data input into the second augmented reality interface.

2. The system of claim 1 , wherein the first consumer device is a separate device from the second consumer device.

3. The system of claim 1 , wherein the display configuration of the first augmented reality interface and the display configuration of the second augmented reality interface each depict the input characters positioned in randomized placements using an augmented reality environment.

4. The system of claim 3 , wherein the method further includes:

applying, by the augmented reality processor, one or more animations to the input characters, wherein the one or more animations include movements of the input characters within the augmented reality environment.

5. The system of claim 1 , wherein the first augmented reality interface and the second augmented reality interface each comprise a unique augmented reality display or a unique augmented reality overlay of the input characters positioned in a randomized order in a physical environment, or a unique augmented reality overlay of the input characters positioned in a randomized order projected onto a physical object.

6. The system of claim 1 , wherein the first payment credentials data and the second payment credentials data are input via a user-interaction with the first augmented reality interface and the second augmented reality interface, respectively, wherein the user interaction includes one of: a gesture, drag and drop motion, a grabbing motion, a wave, a click, or a point.

7. The system of claim 6 , wherein the first payment credentials data are stored by the first consumer device and the second payment credentials data are stored by the second consumer device.

8. The system of claim 1 , wherein the first payment credentials data and the second payment credentials data each comprise a form of user personal identification.

9. A computer-implemented method for generating payment authentication entry interfaces for shared user environments, the method comprising:

determining, by an augmented reality processor, that a first proximity value of a first consumer device associated with a first user and a second proximity value of a second consumer device associated with a second user are each less than or equal to a proximity threshold value, based on first location data of the first consumer device and second location data of the second consumer device;

receiving, by the augmented reality processor and from the first consumer device, a first request for a first payment authorization of one or more first products;

receiving, by the augmented reality processor and from the second consumer device, a second request for a second payment authorization of one or more second products;

transmitting, by the augmented reality processor and to the first consumer device, a first augmented reality interface based on the first request for the first payment authorization and based on determining that the first proximity value of the first consumer device and the second proximity value of the second consumer device are each less than or equal to a proximity threshold value;

transmitting, by the augmented reality processor and to the second consumer device, a second augmented reality interface based on the second request for the second payment authorization and based on determining that the first proximity value of the first consumer device and the second proximity value of the second consumer device are each less than or equal to a proximity threshold value, wherein a display configuration of the second augmented reality interface is different from a display configuration of the first augmented reality interface, and wherein the display configuration of the first augmented reality interface comprises a first unique randomized display of input characters, and wherein the display configuration of the second augmented reality interface comprises a second unique randomized display of the input characters;

receiving, by the augmented reality processor and from the first consumer device, first payment credentials data input into the first augmented reality interface; and

receiving, by the augmented reality processor and from the second consumer device, second payment credentials data input into the second augmented reality interface.

10. The method of claim 9 , wherein the first consumer device is a separate device from the second consumer device.

11. The method of claim 9 , wherein the display configuration of the first augmented reality interface and the display configuration of the second augmented reality interface each depict the input characters positioned in randomized placements using in an augmented reality environment.

12. The method of claim 11 , wherein the first augmented reality interface and the second augmented reality interface each comprise a unique augmented reality display or a unique augmented reality overlay of the input characters positioned in a randomized order in a physical environment, or a unique augmented reality overlay of the input characters positioned in a randomized order projected onto a physical object.

13. The method of claim 11 , further comprising:

applying, by the augmented reality processor, one or more animations to the input characters, wherein the one or more animations include movements of the input characters within the augmented reality environment.

14. The method of claim 9 , wherein the first payment credentials data and the second payment credentials data are input via a user-interaction with the first augmented reality interface and the second augmented reality interface, respectively, wherein the user interaction includes one of: a gesture, drag and drop motion, a grabbing motion, a wave, a click, or a point.

15. The method of claim 14 , wherein the first payment credentials data are stored by the first consumer device and the second payment credentials data are stored by the second consumer device.

16. The method of claim 9 , wherein the first payment credentials data and the second payment credentials data each comprise a form of user personal identification.

17. A non-transitory machine-readable storage medium storing instructions that, when executed by a server, cause the server to perform a method for generating payment authentication entry interfaces for shared user environments, the method including:

determining, by an augmented reality processor, that a first proximity value of a first consumer device associated with a first user and a second proximity value of a second consumer device associated with a second user are each less than or equal to a proximity threshold value, based on first location data of the first consumer device and second location data of the second consumer device;

receiving, by the augmented reality processor and from the first consumer device, a first request for a first payment authorization of one or more first products;

receiving, by the augmented reality processor and from the second consumer device, a second request for a second payment authorization of one or more second products;

transmitting, by the augmented reality processor and to the first consumer device, a first augmented reality interface based on the first request for the first payment authorization and based on determining that the first proximity value of the first consumer device and the second proximity value of the second consumer device are each less than or equal to a proximity threshold value;

transmitting, by the augmented reality processor and to the second consumer device, a second augmented reality interface based on the second request for the second payment authorization and based on determining that the first proximity value of the first consumer device and the second proximity value of the second consumer device are each less than or equal to a proximity threshold value, wherein a display configuration of the second augmented reality interface is different from a display configuration of the first augmented reality interface, and wherein the display configuration of the first augmented reality interface comprises a first unique randomized display of input characters, and wherein the display configuration of the second augmented reality interface comprises a second unique randomized display of the input characters;

receiving, by the augmented reality processor and from the first consumer device, first payment credentials data input into the first augmented reality interface; and

receiving, by the augmented reality processor and from the second consumer device, second payment credentials data input into the second augmented reality interface.

18. The non-transitory machine-readable storage medium of claim 17 , wherein the first consumer device is a separate device from the second consumer device.

19. The non-transitory machine-readable storage medium of claim 17 , wherein the display configuration of the first augmented reality interface and the display configuration of the second augmented reality interface each depict the input characters positioned in randomized placements using an augmented reality environment.

20. The non-transitory machine-readable storage medium of claim 17 , wherein the first augmented reality interface and the second augmented reality interface each comprise a unique augmented reality display or a unique augmented reality overlay of the input characters positioned in a randomized order in a physical environment, or a unique augmented reality overlay of the input characters positioned in a randomized order projected onto a physical object.

Assignments (5)
RELEASE OF SECURITY INTERESTS RECORDED AT REEL/FRAMES 066626/0655, 066625/0426, 066625/0347, AND 066625/0276 Recorded Jan 12, 2026
From: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
To: WORLDPAY, LLC; WORLDPAY ISO AND ECOMMERCE, LLC; PAYMETRIC, LLC; WORLDPAY US, LLC
Reel/Frame 074314/0622 →
RELEASE OF SECURITY INTEREST IN INTELLECTUAL PROPERTY RECORDED AT R/F 066624/0719 Recorded Jan 12, 2026
From: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
To: WORLDPAY, LLC
Reel/Frame 074315/0412 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 066624/0719 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
Reel/Frame 066626/0655 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 3, 2022
From: SPENDER, CHARLOTTE
To: WORLDPAY, LLC
Reel/Frame 061643/0867 →
Continuity (3)
Continuation 17570192 · Jan 6, 2022
Continuation 16251890 · Jan 18, 2019
Related Publication 20230297996A1 · Sep 21, 2023
Cited By (1)
US 12,675,331