IP Library › Granted Patent US 11,790,366
Granted Patent B2
US 11,790,366 · App. 18/045,507 · Granted Oct 17, 2023

Wireless devices for storing a financial account card and methods for storing card data in a wireless device

Inventor: Gregory Gannon (Montpelier, VA)
Assignee: Capital One Services, LLC
G06Q20/40145G06K7/087G06K7/089G06K7/10386G06K7/10415G06K19/08G06Q20/20G06Q20/204G06Q20/227G06Q20/32G06Q20/322G06Q20/327G06Q20/3223G06Q20/3226G06Q20/3278G06Q20/353G06Q20/3567G06Q20/405G06Q20/409G06Q20/4012G07C9/257G07C9/26
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Quick Facts
Patent No.
US 11,790,366
App. No.
18/045,507
Granted
Oct 17, 2023
Kind
B2
Abstract

A non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.

Claims (77)

1. A system for generating a screening interface for communications, the system comprising:

one or more processors; and

a non-transitory computer-readable storage medium storing instructions, which when executed by the one or more processors cause the one or more processors to:

detect a request for a communication from a first communication device to a second communication device;

receive a first profile associated with the first communication device, wherein the first profile comprises a plurality of entries for a plurality of records, wherein the plurality of records is associated with a first entity corresponding to the first communication device; and

in response to determining that the first profile includes entries having an account identifier associated with the second communication device, select an entry of the entries based on a recency of timestamps associated with the entries, and generate for display on a communication acceptance screen an indicator of an entry associated with a latest timestamp.

2. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to:

detect a second request for a second communication from a third communication device to the second communication device;

determine a second identifier associated with the third communication device;

determine whether the second identifier is stored in a database;

in response to determining that the second identifier is stored in the database, retrieve a second profile associated with the third communication device, wherein the second profile comprises a risk level associated with a second entity corresponding to the second profile; and

in response to determining that the risk level satisfies a threshold, modify or replace an interactive icon that enables accepting the communication with an indication of the risk level.

3. The system of claim 2 , wherein the instructions further, cause the one or more processors to:

determine based on a session initiation protocol identifier certificate an attestation level associated with the first communication device; and

generate the risk level for the first communication device based on the attestation level.

4. The system of claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to:

retrieve the entry of the plurality of entries that includes the account identifier;

determine, based on the entry, an item associated with an account corresponding to the account identifier; and

generate for display on the communication acceptance screen an indication of the item.

5. A method comprising:

detecting a request for a communication from a first communication device to a second communication device;

receiving a first profile associated with the first communication device, wherein the first profile comprises one or more entries corresponding to an entity associated with the first communication device;

determining whether the one or more entries include an account identifier associated with the second communication device; and

in response to determining that the one or more entries include the account identifier, generating for display, on a communication acceptance screen, an indicator of an entry of the one or more entries that includes the account identifier.

6. The method of claim 5 , further comprising:

determining that the one or more entries do not include any entry with the account identifier and includes a second entry with a different account identifier; and

in response to determining that the one or more entries do not include the account identifier and includes the different account identifier, generating for display, on the communication acceptance screen, an indication of the entity associated with the first communication device.

7. The method of claim 5 , further comprising:

in response to determining that a first identifier associated with the first communication device is not stored in a database, modify or replace an interactive communication acceptance icon with indication that the first identifier is not stored in the database.

8. The method of claim 5 , wherein retrieving the account identifier associated with the second communication device comprises:

retrieving a second identifier associated with the second communication device;

comparing the second identifier with a plurality of identifiers associated with a plurality of accounts;

determining, based on comparing the second identifier with the plurality of identifiers, that the second identifier matches a identifier corresponding to an account of the plurality of accounts; and

retrieving the account identifier associated with the account of the plurality of accounts.

9. The method of claim 5 , wherein the communication acceptance screen comprises a date associated with the entry of the one or more entries.

10. The method of claim 5 , further comprising:

detecting a second request for a second communication from a third communication device to the second communication device;

determining a second identifier associated with the third communication device;

determining whether the second identifier is stored in a database;

in response to determining that the second identifier is stored in the database, retrieving a second profile associated with the third communication device, wherein the second profile comprises a flag that indicates a risk level associated with the third communication device; and

in response to determining that the risk level satisfies a threshold, modifying or replacing an interactive icon with an indication of the risk level.

11. The method of claim 5 , further comprising:

determining based on a session initiation protocol identifier certificate an attestation level associated with the first communication device; and

generating a risk level for the first communication device based on the attestation level.

12. The method of claim 5 , further comprising:

retrieving the one or more entries that include the account identifier;

determining, based on the one or more entries, an item associated with an account corresponding to the account identifier; and

generating for display, on the communication acceptance screen, an indication of the item.

13. A non-transitory, computer-readable medium for generating a screening interface for communications, storing instructions that when executed by one or more processors, cause the one or more processors to perform operations comprising:

detecting a request for a communication from a first communication device to a second communication device;

receiving a first profile associated with the first communication device, wherein the first profile comprises one or more entries corresponding to an entity associated with the first communication device;

determining whether the one or more entries include an account identifier associated with the second communication device; and

in response to determining that the one or more entries include the account identifier, generating for display, on a communication acceptance screen, an indicator of an entry of the one or more entries that includes the account identifier.

14. The non-transitory, computer-readable medium of claim 13 , wherein the instructions further cause the one or more processors to perform operations comprising:

determining that the one or more entries do not include any entry with the account identifier and includes a second entry with a different account identifier; and

in response to determining that the one or more entries do not include the account identifier and includes the different account identifier, generating for display, on the communication acceptance screen, an indication of the entity associated with the first communication device.

15. The non-transitory, computer-readable medium of claim 13 , wherein the instructions further cause the one or more processors to perform operations comprising:

in response to determining that a first identifier associated with the first communication device is not stored in a database, modifying or replacing an interactive communication acceptance icon with an indication that the first identifier is not stored in the database.

16. The non-transitory, computer-readable medium of claim 13 , wherein the instructions for retrieving the account identifier associated with the second communication device further cause the one or more processors to perform the operations comprising:

retrieving a second identifier associated with the second communication device;

comparing the second identifier with a plurality of identifiers associated with a plurality of accounts;

determining, based on comparing the second identifier with the plurality of identifiers, that the second identifier matches a identifier corresponding to an account of the plurality of accounts; and

retrieving the account identifier associated with the account of the plurality of accounts.

17. The non-transitory, computer-readable medium of claim 13 , wherein the communication acceptance screen comprises a date associated with the entry of the one or more entries.

18. The non-transitory, computer-readable medium of claim 13 , wherein the instructions further cause the one or more processors to perform operations comprising:

detecting a second request for a second communication from a third communication device to the second communication device;

determining a second identifier associated with the third communication device;

determining whether the second identifier is stored in a database;

in response to determining that the second identifier is stored in the database, retrieving a second profile associated with the third communication device, wherein the second profile comprises a flag that indicates a risk level associated with the third communication device; and

in response to determining that the risk level satisfies a threshold, modifying or replacing an interactive icon with an indication of the risk level.

19. The non-transitory, computer-readable medium of claim 13 , wherein the instructions further cause the one or more processors to perform operations comprising:

determining based on a session initiation protocol identifier certificate an attestation level associated with the first communication device; and

generating a risk level for the first communication device based on the attestation level.

20. The non-transitory, computer-readable medium of claim 13 , wherein the instructions further cause the one or more processors to perform operations comprising:

retrieving the one or more entries that include the account identifier;

determining, based on the one or more entries, an item associated with an account corresponding to the account identifier; and

generating for display, on the communication acceptance screen, an indication of the item.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 11, 2022
From: GANNON, GREGORY M.
To: CAPITAL ONE FINANCIAL CORPORATION
Reel/Frame 061374/0266 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 11, 2022
From: CAPITAL ONE FINANCIAL CORPORATION
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 061374/0387 →
Continuity (10)
Continuation 15975947 · May 10, 2018
Continuation 15866595 · Jan 10, 2018
Continuation 15393140 · Dec 28, 2016
Continuation 15239761 · Aug 17, 2016
Continuation 14940901 · Nov 13, 2015
Continuation 14327294 · Jul 9, 2014
Continuation 13965769 · Aug 13, 2013
Continuation 13188178 · Jul 21, 2011
Continuation 11226219 · Sep 15, 2005
Related Publication 20230061092A1 · Mar 2, 2023
Cited By (1)
US 12,348,660