IP Library Granted Patent US 12,282,907
Granted Patent B2
US 12,282,907 · App. 18/540,208 · Granted Apr 22, 2025

Offloading a signing operation on a user device

Inventors: Jonatan Yucra Rodriguez (Allentown, PA); Sahil Verma (San Francisco, CA); Jonathan Guan (Cupertino, CA); Jennifer Chu (Morgan Hill, CA)
Assignee: Capital One Services, LLC
G06Q20/206G06Q20/3825
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Quick Facts
Patent No.
US 12,282,907
App. No.
18/540,208
Granted
Apr 22, 2025
Kind
B2
Abstract

In some implementations, a terminal device may obtain exchange information associated with an exchange initiated at the terminal device. The exchange information may identify a medium used in the exchange. The terminal device may be configured to present a terminal-side user interface for performing a signing operation of the exchange. The terminal device may selectively obtain user information associated with the medium used in the exchange. The user information may identify a user device associated with the medium. The terminal device may transmit, to the user device and based on obtaining the user information, presentation information that identifies content for a user-side user interface for performing the signing operation at the user device. The terminal device may receive, from the user device, signing information associated with a performance of the signing operation at the user device via the user-side user interface.

Claims (49)

1. A non-transitory computer-readable medium storing a set of instructions comprising:

one or more instructions that, when executed by one or more processors of a terminal device, cause the terminal device to:

obtain exchange information associated with an exchange initiated at the terminal device,

wherein the terminal device is configured to perform an operation associated with completing the exchange;

obtain, based on the exchange information, user information associated with a user device;

transmit, to the user device and to offload the operation to the user device, presentation information identifying content for the user device to use to perform the operation; and

receive, from the user device and based on transmitting the presentation information, a response associated with performing the operation at the user device.

2. The non-transitory computer-readable medium of claim 1 , wherein the operation is not performed by the terminal device based on offloading the operation to the user device.

3. The non-transitory computer-readable medium of claim 1 , wherein the operation includes a signing operation, and wherein the terminal device is configured to present a terminal side user interface for performing the operation.

4. The non-transitory computer-readable medium of claim 1 , wherein the exchange information identifies a payment medium used in the exchange, and wherein the user information identifies the user device.

5. The non-transitory computer-readable medium of claim 1 , wherein the user device is associated with a user-side user interface that includes at least one input for entering a signature of a user of the user device.

6. The non-transitory computer-readable medium of claim 1 , wherein the response identifies at least one of:

image data associated with performance of a signing operation at the user device, or

an indication of the performance of the signing operation at the user device.

7. The non-transitory computer-readable medium of claim 1 , wherein the one or more instructions, when executed by the one or more processors, further cause the terminal device to:

display an authentication code that is to be input to the user device in association with obtaining the user information.

8. The non-transitory computer-readable medium of claim 1 , wherein the one or more instructions, when executed by the one or more processors, further cause the terminal device to:

transmit, to a backend system and based on a determination that a network connection is available for the terminal device, a request identifying the exchange information and the response.

9. A system, comprising:

one or more memories; and

one or more processors, communicatively coupled to the one or more memories, configured to:

receive, from a terminal device, a request associated with an exchange initiated at the terminal device,

wherein the terminal device is configured to perform an operation associated with completing the exchange;

obtain, from another device associated with the terminal device and based on the request, user information associated with a user device;

transmit, to the user device and to offload the operation to the user device, presentation information identifying content for the user device to use to perform the operation; and

transmit, to the terminal device and based on receiving operation information associated with a performance of the operation at the user device, a response that indicates the performance of the operation.

10. The system of claim 9 , wherein the operation is at least one of a signing operation, a gratuity selection operation, a medium type selection operation, or a feedback operation.

11. The system of claim 9 , wherein the operation is not performed by the terminal device based on offloading the operation to the user device.

12. The system of claim 9 , wherein the terminal device is configured to present a terminal side user interface for performing the operation.

13. The system of claim 9 , wherein the response is transmitted in association with a determination that a signature identified by the operation information corresponds to a signature associated with a medium associated with the exchange.

14. The system of claim 9 , wherein the one or more processors are further configured to:

transmit, to the user device, information that identifies at least one of an aggregate exchange total of a medium associated with the exchange or a budget associated with the exchange.

15. The system of claim 9 , wherein the operation information identifies at least one of:

image data associated with performance of a signing operation at the user device, or

an indication of the performance of the signing operation at the user device.

16. A method, comprising:

receiving, by a user device and to offload an operation to the user device, presentation information that identifies content for performing the operation at the user device,

wherein the operation is associated with an exchange initiated at a terminal device that is configured to perform the operation;

presenting, at the user device and based on the content, an interface for performing the operation;

obtaining, by the user device, a user input associated with a performance of the operation at the user device; and

transmitting, by the user device, operation information associated with the performance of the operation at the user device.

17. The method of claim 16 , wherein the operation is not performed by the terminal device based on offloading the operation to the user device.

18. The method of claim 16 , wherein the interface is for entering a signature of a user of the user device.

19. The method of claim 16 , wherein the presentation information is based on:

exchange information, associated with the exchange, that identifies a payment medium used in the exchange, and

user information associated with the payment medium that identifies the user device as being associated with the payment medium.

20. The method of claim 16 , wherein the operation information identifies at least one of:

image data associated with performance of a signing operation at the user device, or

an indication of the performance of the signing operation at the user device.

Continuity (2)
Continuation 17247982 · Jan 4, 2021
Related Publication 20240112166A1 · Apr 4, 2024
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