Granted Patent B2

US 12,572,936 · App. 18/644,939 · Granted Mar 10, 2026

Inventors: Jacqueline Nicole Tero (Brooklyn, NY); Keegan Franklin (Tucson, AZ); Patrick Babcock (Boston, MA)

Assignee: Capital One Services, LLC

G06Q20/401G06Q20/227G06Q20/3223G06Q20/3276G06Q20/389

Abstract

Claims (67)

1 . A computer-implemented method comprising:

receiving, by one or more computing devices and from a mobile device payment app, a purchase request for a product comprising a payment configuration ID and a device ID, wherein the purchase request is initiated by a customer scanning a purchasing code using the mobile device and wherein the purchasing code is encoded with the payment configuration ID and a merchant account token associated with bank account information for the merchant,

tracking a corresponding purchase, wherein the purchase request by the mobile device payment app originates outside a payment system of the merchant, the tracking comprising:

retrieving, from a database and based on the device ID, historical purchases for the customer, wherein the historical purchases comprise purchase information for one or more purchases and wherein the one or more purchases include a purchase request time within a predetermined time period threshold;

determining, based on a comparison of the payment configuration ID of the purchase request and purchase configuration IDs corresponding to the historical purchases, that the purchase request may be a repeat purchase request, wherein the repeat purchase request is based on the customer rescanning the purchasing code within the predetermined time period threshold; and

sending, to the mobile device, a warning message prompting the customer to confirm that the purchase request is not a repeat purchase request, wherein:

the warning message is displayed via a user interface (UI) on the mobile device;

the UI includes a confirmation button and a cancel button that, when selected, voids the purchase request.

2 . The computer-implemented method of claim 1 , wherein selection of the confirmation button causes the mobile device to send an updated purchase request to one or more computing devices, wherein the updated purchase request includes a repeat request status indicating that the updated purchase request is not a repeat request.

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

receiving, from the mobile device, the updated purchase request;

storing, in the database, purchase information comprising a purchase request time, the payment configuration ID, and the device ID;

sending, to the mobile device, product information for the product based on the payment configuration ID;

receiving, from a payment platform, a payment confirmation indicating that a purchase payment has been successfully completed by the customer, wherein the payment confirmation comprises a platform identifier identifying the payment platform and transaction data for the purchase, including the payment configuration ID, the device ID, and a customer token for the customer; and

sending, to the payment platform, receipt data for the purchase generated based on the transaction data and a receipt code that encodes the receipt data.

4 . The computer-implemented method of claim 3 , wherein the payment platform is a digital payment platform and wherein the payment platform is selected by the customer from a plurality of payment platforms.

5 . The computer-implemented method of claim 4 , wherein selection of the payment platform causes the mobile device to launch the mobile device payment app corresponding to the payment platform.

6 . The computer-implemented method of claim 3 , wherein the payment confirmation further comprises contact information for the customer.

7 . The computer-implemented method of claim 6 further comprising:

retrieving purchase data from the database, wherein the purchase data includes transaction details, device IDs, and customer tokens;

analyzing the retrieved purchase data to identify unique customers, based on device IDs and customer tokens associated with the purchase data; and

aggregating purchase history for identified customers to generate customer behavior profiles.

8 . The computer-implemented method of claim 7 , wherein the customer behavior profiles are utilized to derive insights into one or more of purchasing patterns, preferences, and demographic trends associated with the unique customers.

9 . The computer-implemented method of claim 7 , wherein a machine learning algorithm is utilized to process the purchase data, wherein the machine learning algorithms are configured to learn from the aggregated purchase histories, customer behaviors, and preferences to improve identification of unique customers.

10 . A system, comprising:

a memory; and

at least one processor coupled to the memory and configured to:

receive, from a mobile device payment app, a purchase request for a product comprising a payment configuration ID and a device ID, wherein the purchase request is initiated by a customer scanning a purchasing code using the mobile device and wherein the purchasing code is encoded with the payment configuration ID and a merchant account token associated with bank account information for the merchant;

track a corresponding purchase, wherein the purchase request by the mobile device payment app originates outside a payment system of the merchant, the tracking comprising:

retrieve, from a database and based on the device ID, historical purchases for the customer, wherein the historical purchases comprise purchase information for one or more purchases and wherein the one or more purchases include a purchase request time within a predetermined time period threshold;

determine, based on a comparison of the payment configuration ID of the purchase request and purchase configuration IDs corresponding to the historical purchases, that the purchase request may be a repeat purchase request, wherein the repeat purchase request is based on the customer rescanning the purchasing code within the predetermined time period threshold; and

send, to the mobile device, a warning message prompting the customer to confirm that the purchase request is not a repeat purchase request, wherein:

the warning message is displayed via a user interface (UI) on the mobile device;

the UI includes a confirmation button and a cancel button that, when selected, voids the purchase request.

11 . The system of claim 10 , wherein selection of the confirmation button causes the mobile device to send an updated purchase request to one or more computing devices, wherein the updated purchase request includes a repeat request status indicating that the updated purchase request is not a repeat request.

12 . The system of claim 11 , wherein the at least one processor is further configured to:

receive, from the mobile device, the updated purchase request;

store, in the database, purchase information comprising a purchase request time, the payment configuration ID, and the device ID;

send, to the mobile device, product information for the product based on the payment configuration ID;

receive, from a payment platform, a payment confirmation indicating that a purchase payment has been successfully completed by the customer, wherein the payment confirmation comprises a platform identifier identifying the payment platform and transaction data for the purchase, including the payment configuration ID, the device ID, and a customer token for the customer; and

send, to the payment platform, receipt data for the purchase generated based on the transaction data and a receipt code that encodes the receipt data.

13 . The system of claim 12 , wherein the at least one processor is further configured to:

retrieve purchase data from the database, wherein the purchase data includes transaction details, device IDs, and customer tokens;

analyze the retrieved purchase data to identify unique customers, based on device IDs and customer tokens associated with the purchase data; and

aggregate purchase history for identified customers to generate customer behavior profiles.

14 . The system of claim 13 , wherein the customer behavior profiles are utilized to derive insights into one or more of purchasing patterns, preferences, and demographic trends associated with the unique customers.

15 . The system method of claim 13 , wherein a machine learning algorithm is utilized to process the purchase data, wherein the machine learning algorithms are configured to learn from the aggregated purchase histories, customer behaviors, and preferences to improve identification of unique customers.

16 . A non-transitory computer-readable device having instructions stored thereon that, when executed by at least one computing device, cause the at least one computing device to perform operations comprising:

receiving, from a mobile device payment app, a purchase request for a product comprising a payment configuration ID and a device ID, wherein the purchase request is initiated by a customer scanning a purchasing code using the mobile device and wherein the purchasing code is encoded with the payment configuration ID and a merchant account token associated with bank account information for the merchant;

tracking a corresponding purchase, wherein the purchase request by the mobile device payment app originates outside a payment system of the merchant, the tracking comprising:

retrieving, from a database and based on the device ID, historical purchases for the customer, wherein the historical purchases comprise purchase information for one or more purchases and wherein the one or more purchases include a purchase request time within a predetermined time period threshold;

determining, based on a comparison of the payment configuration ID of the purchase request and purchase configuration IDs corresponding to the historical purchases, that the purchase request may be a repeat purchase request, wherein the repeat purchase request is based on the customer rescanning the purchasing code within the predetermined time period threshold; and

sending, to the mobile device, a warning message prompting the customer to confirm that the purchase request is not a repeat purchase request, wherein:

the warning message is displayed via a user interface (UI) on the mobile device;

the UI includes a confirmation button and a cancel button that, when selected, voids the purchase request.

17 . The non-transitory computer-readable device of claim 16 , wherein selection of the confirmation button causes the mobile device to send an updated purchase request to one or more computing devices, wherein the updated purchase request includes a repeat request status indicating that the updated purchase request is not a repeat request.

18 . The non-transitory computer-readable device of claim 17 , the operations further comprising:

receiving, from the mobile device, the updated purchase request;

storing, in the database, purchase information comprising a purchase request time, the payment configuration ID, and the device ID;

sending, to the mobile device, product information for the product based on the payment configuration ID;

receiving, from a payment platform, a payment confirmation indicating that a purchase payment has been successfully completed by the customer, wherein the payment confirmation comprises a platform identifier identifying the payment platform and transaction data for the purchase, including the payment configuration ID, the device ID, and a customer token for the customer; and

sending, to the payment platform, receipt data for the purchase generated based on the transaction data and a receipt code that encodes the receipt data.

19 . The non-transitory computer-readable device of claim 18 , the operations further comprising:

retrieving purchase data from the database, wherein the purchase data includes transaction details, device IDs, and customer tokens;

analyzing the retrieved purchase data to identify unique customers, based on device IDs and customer tokens associated with the purchase data; and

aggregating purchase history for identified customers to generate customer behavior profiles.

20 . The non-transitory computer-readable device of claim 19 , wherein a machine learning algorithm is utilized to process the purchase data, wherein the machine learning algorithms are configured to learn from the aggregated purchase histories, customer behaviors, and preferences to improve identification of unique customers.

Assignments (1)

Continuity (1)

References Cited (179)