Granted Patent B2

US 12,327,374 · App. 18/058,448 · Granted Jun 10, 2025

Inventors: Joshua Edwards (Carrollton, TX); Michael Mossoba (Great Falls, VA); Tyler Maiman (Melville, NY)

Assignee: Capital One Services, LLC

G06T7/73G06Q20/389G06T11/00G06T2207/20081

Abstract

Claims (78)

1. A computer-implemented method for generating virtual certification number data, the method comprising:

receiving real-time image data from a camera of a user device;

parsing location features data from the real-time image data;

determining, based on the location features data, a location of the user device;

upon determining the location of the user device, detecting, based on the real-time image data, a terminal at the location;

upon detecting the terminal at the location, generating virtual certification number data for the user specific to the location;

causing the user device to store the virtual certification number data for the user on a memory device associated with the user device; and

transmitting the virtual certification number data to the terminal at the location.

2. The computer-implemented method of claim 1 , further comprising:

after transmitting the virtual certification number data to the terminal at the location, receiving an approval indication associated with the virtual certification number data; and

causing the user device to present, via a display of the user device, a graphical representation of the approval indication.

3. The computer-implemented method of claim 1 , further comprising:

receiving Global Positioning System (GPS) location data from a sensor of the user device,

wherein determining the location of the user device is further based on the GPS location data.

4. The computer-implemented method of claim 1 , wherein the location of the user device is further determined using a trained machine learning model trained to output the location of the user device upon input of real-time image data, wherein the trained machine learning model has been trained to learn relationships between (i) training real-time image data that includes prior location features data and (ii) prior locations data associated with the prior location features data, such that the trained machine learning model is configured to use the learned relationships to determine the location of the user device in response to input of the real-time image data.

5. The computer-implemented method of claim 1 , wherein determining the location of the user device includes determining whether the user device is inside a building of the location based on whether the features data includes data representing one or more of:

a back side of a door;

a ceiling;

one or more inside windows; or

artificial lighting.

6. The computer-implemented method of claim 5 , wherein determining whether the user device is inside a building of the location is further determined using a trained machine learning model trained to output a determination as to whether the user device is inside the building of the location upon input of real-time image data, wherein the trained machine learning model has been trained to learn relationships between (i) training real-time image data that includes prior location features data and (ii) prior inside or outside indications data associated with the prior location features data, such that the trained machine learning model is configured to use the learned relationships to determine whether the user device is inside the building of the location in response to input of the real-time image data.

7. The computer-implemented method of claim 1 , wherein the location features data comprises data representing one or more of:

a logo or image associated with the location;

a brand or trade name associated with the location;

an item type associated with the location;

a sign, document, or menu, associated with the location; or

a floorplan layout associated with the location.

8. The computer-implemented method of claim 1 , wherein transmitting the virtual certification number data to the terminal at the location comprises:

causing a Near-Field Communications device associated with the user device to transmit the virtual certification number data to the terminal at the location;

causing a second user device to transmit the virtual certification number data to the terminal at the location, wherein the second user device is a smartphone or tablet computer; or

causing an electronic certification mechanism to transmit the virtual certification number data to the terminal at the location, the electronic certification mechanism configured to receive and transmit the virtual certification number data.

9. The computer-implemented method of claim 1 , further comprising:

determining whether the location of the user device has changed based on the location features data; and

upon determining that the location of the user device has changed, deleting the virtual certification number data from a memory device associated with the user device.

10. The computer-implemented method of claim 1 , wherein the real-time image data includes picture or video images of an environment surrounding the user device.

11. The computer-implemented method of claim 1 , wherein the user device is a wearable device equipped with a plurality of cameras.

12. A computer-implemented method for generating virtual certification number data, the method comprising:

receiving real-time image data from one or more cameras of a wearable user device, wherein the real-time image data includes picture or video images of an environment surrounding the wearable user device;

parsing location features data from the real-time image data;

determining, based on the location features data, a location of the wearable user device;

upon determining the location of the wearable user device, detecting, based on the real-time image data, a terminal at the location;

upon detecting the terminal at the location, generating virtual certification number data for the user specific to the location;

causing the user device to store the virtual certification number data for the user on a memory device associated with the wearable user device;

transmitting the virtual certification number data to the terminal at the location;

after transmitting the virtual certification number data to the terminal at the location, receiving an approval indication associated with the virtual certification number data; and

causing the user device to present, via a display of the wearable user device, a graphical representation of the approval indication.

13. The computer-implemented method of claim 12 , further comprising:

receiving GPS location data from a sensor of the wearable user device, wherein determining the location of the wearable user device is further based on the GPS location data.

14. The computer-implemented method of claim 12 , wherein the location of the wearable user device is further determined using a trained machine learning model trained to output the location of the wearable user device upon input of real-time image data, wherein the trained machine learning model has been trained to learn relationships between (i) training real-time image data that includes prior location features data and (ii) prior locations data associated with the prior location features data, such that the trained machine learning model is configured to use the learned relationships to determine the location of the wearable user device in response to input of the real-time image data.

15. The computer-implemented method of claim 12 , wherein determining the location of the wearable user device includes determining whether the user device is inside a building of the location based on whether the location features data includes data representing one or more of:

a back side of a door;

a ceiling;

one or more inside window; or

artificial lighting.

16. The computer-implemented method of claim 15 , wherein determining whether the wearable user device is inside a building of the location is further determined using a trained machine learning model trained to output a determination as to whether the wearable user device is inside the building of the location upon input of real-time image data, wherein the trained machine learning model has been trained to learn relationships between (i) training real-time image data that includes prior location features data and (ii) prior inside or outside indications data associated with the prior location features data, such that the trained machine learning model is configured to use the learned relationships to determine whether the wearable user device is inside the building of the location in response to input of the real-time image data.

17. The computer-implemented method of claim 12 , wherein the location features data comprises data representing one or more of:

a logo or image associated with the location;

a brand or trade name associated with the location;

an item type associated with the location;

a sign, document, or menu, associated with the location; or

a floorplan layout associated with the location.

18. The computer-implemented method of claim 12 , wherein transmitting the virtual certification number data to the terminal at the location comprises:

causing a Near-Field Communications device associated with the user device to transmit the virtual certification number data to the terminal at the location;

causing a second user device to transmit the virtual certification number data to the terminal at the location, wherein the second user device is a smartphone or tablet computer; or

causing an electronic certification mechanism to transmit the virtual certification number data to the terminal at the location, the electronic certification mechanism configured to receive and transmit the virtual certification number data.

19. The computer-implemented method of claim 12 , further comprising:

determining whether the location of the user device has changed based on the location features data; and

upon determining that the location of the user device has changed, deleting the virtual certification number data from a memory device associated with the user device.

20. A computer-implemented system for generating virtual certification number data, the system comprising:

a memory having processor-readable instructions therein; and

at least one processor configured to access the memory and execute the processor-readable instructions, which when executed by the processor configures the processor to perform a plurality of functions, including functions for:

receiving real-time image data from a camera of a user device;

parsing location features data from the real-time image data;

determining, based on the location features data, a location of the user device;

upon determining the location of the user device, detecting, based on the real-time image data, a terminal at the location;

upon detecting the terminal at the location, generating virtual certification number data for the user specific to the location;

causing the user device to store the virtual certification number data for the user on a memory device associated with the user device; and

transmitting the virtual certification number data to the terminal at the location.

Assignments (1)

Continuity (1)

References Cited (11)