IP Library Granted Patent US 12,205,102
Granted Patent B2
US 12,205,102 · App. 18/323,605 · Granted Jan 21, 2025

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
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Quick Facts
Patent No.
US 12,205,102
App. No.
18/323,605
Granted
Jan 21, 2025
Kind
B2
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 (48)

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

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

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

detecting, by an augmented reality processor, a plurality of user devices within a pre-determined location;

determining, by the augmented reality processor, the plurality of user devices are within a proximity threshold of each other within the pre-determined location;

determining, by the augmented reality processor, configuration data for each of the plurality of user devices for displaying augmented reality authentication interfaces;

generating, by the augmented reality processor, a display of the augmented reality authentication interfaces on the plurality of user devices based on the configuration data of each of the plurality of user devices; and

synchronizing, by the augmented reality processor, the display of the augmented reality authentication interfaces between the plurality of user devices, wherein each of the plurality of user devices projects one of the augmented reality authentication interfaces in a non-overlapping manner onto one or more objects within a shared physical environment.

2. The system of claim 1 , wherein the one or more objects include physical objects, digital objects, or a combination thereof.

3. The system of claim 1 , further comprising:

randomizing, by the augmented reality processor, an arrangement of alphanumeric characters within the projected augmented reality authentication interfaces.

4. The system of claim 3 , wherein each of the projected augmented reality authentication interfaces include randomized unique alphanumeric characters for selection by one or more users of the plurality of user devices.

5. The system of claim 4 , wherein the projected augmented reality authentication interfaces further includes symbols, pictures, graphics, animations, or a combination thereof.

6. The system of claim 3 , wherein the randomizing of the arrangement of the alphanumeric characters is activated upon detecting a selection of at least one alphanumeric characters by the one or more users of the plurality of user devices.

7. The system of claim 1 , further comprising:

receiving, over a computer network, a request for payment authorization from the plurality of user devices; and

prompting the display of the augmented reality authentication interfaces, in response to the request for the payment authorization.

8. The system of claim 3 , further comprising:

generating, by the augmented reality processor, complex augmented reality authentication interfaces upon determining discrepancy between received credentials and stored credentials, higher transaction amount, and/or lower trust between the one or more users,

wherein the complex augmented reality authentication interfaces include the alphanumeric characters scattered and/or hidden in the projected augmented reality authentication interfaces.

9. The system of claim 7 , wherein the request for the payment authorization relates to a purchase of a single object between the one or more users of the plurality of user devices.

10. The system of claim 1 , wherein the plurality of user devices includes an augmented reality component, a virtual reality component, or a combination thereof.

11. A computer-implemented method for generating authentication interfaces in shared user environments, the method comprising:

detecting, by an augmented reality processor, a plurality of user devices within a pre-determined location;

determining, by the augmented reality processor, the plurality of user devices are within a proximity threshold of each other within the pre-determined location;

determining, by the augmented reality processor, configuration data for each of the plurality of user devices for displaying augmented reality authentication interfaces;

generating, by the augmented reality processor, a display of the augmented reality authentication interfaces on the plurality of user devices based on the configuration data of each of the plurality of user devices; and

synchronizing, by the augmented reality processor, the display of the augmented reality authentication interfaces between the plurality of user devices, wherein each of the plurality of user devices projects one of the augmented reality authentication interfaces in a non-overlapping manner onto one or more objects within a shared physical environment.

12. The computer-implemented method of claim 11 , wherein the one or more objects include physical objects, digital objects, or a combination thereof.

13. The computer-implemented method of claim 11 , further comprising:

randomizing, by the augmented reality processor, an arrangement of alphanumeric characters within the projected augmented reality authentication interfaces.

14. The computer-implemented method of claim 13 , wherein each of the projected augmented reality authentication interfaces include randomized unique alphanumeric characters for selection by one or more users of the plurality of user devices, and wherein the projected augmented reality authentication interfaces further includes symbols, pictures, graphics, animations, or a combination thereof.

15. The computer-implemented method of claim 14 , wherein the randomizing of the arrangement of the alphanumeric characters is activated upon detecting a selection of at least one alphanumeric characters by the one or more users of the plurality of user devices.

16. The computer-implemented method of claim 11 , further comprising:

receiving, over a computer network, a request for payment authorization from the plurality of user devices; and

prompting the display of the augmented reality authentication interfaces, in response to the request for the payment authorization.

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

generating, by the augmented reality processor, complex augmented reality authentication interfaces upon determining discrepancy between received credentials and stored credentials, higher transaction amount, and/or lower trust between the one or more users,

wherein the complex augmented reality authentication interfaces include the alphanumeric characters scattered and/or hidden in the projected augmented reality authentication interfaces.

18. A non-transitory machine-readable medium storing instructions that, when executed by a server, cause the server to perform a method for generating authentication interfaces in shared user environments, the method comprising:

detecting, by an augmented reality processor, a plurality of user devices within a pre-determined location;

determining, by the augmented reality processor, the plurality of user devices are within a proximity threshold of each other within the pre-determined location;

determining, by the augmented reality processor, configuration data for each of the plurality of user devices for displaying augmented reality authentication interfaces;

generating, by the augmented reality processor, a display of the augmented reality authentication interfaces on the plurality of user devices based on the configuration data of each of the plurality of user devices; and

synchronizing, by the augmented reality processor, the display of the augmented reality authentication interfaces between the plurality of user devices, wherein each of the plurality of user devices projects one of the augmented reality authentication interfaces in a non-overlapping manner onto one or more objects within a shared physical environment.

19. The non-transitory machine-readable medium of claim 18 , wherein the one or more objects include physical objects, digital objects, or a combination thereof.

20. The non-transitory machine-readable medium of claim 18 , further comprising:

randomizing, by the augmented reality processor, an arrangement of alphanumeric characters within the projected augmented reality authentication interfaces, wherein the randomizing of the arrangement of the alphanumeric characters is activated upon detecting a selection of at least one alphanumeric characters by the one or more users of the plurality of user devices.

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 May 25, 2023
From: SPENDER, CHARLOTTE
To: WORLDPAY, LLC
Reel/Frame 063763/0046 →
Continuity (3)
Continuation 17570192 · Jan 6, 2022
Continuation 16251890 · Jan 18, 2019
Related Publication 20230297999A1 · Sep 21, 2023
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