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1. 发明公开

EP3132402A1 SYSTEMS AND METHODS FOR INITIATING AND AUTHORIZING TRANSACTIONS USING A DETECTABLE DEVICE 审中-公开
标题翻译：系统和方法用于启动和交易授权使用检测设备
公开(公告)号：EP3132402A1
公开(公告)日：2017-02-22
申请号：EP15779238.3
申请日：2015-04-13
申请人： Capital One Financial Corporation , Kendrick, Jesse N.
发明人： KENDRICK, Jesse N. , LAFEER, Mohamed , REPHLO, Jeremy
IPC分类号： G06Q20/20
CPC分类号： G06Q20/40
摘要： A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.
摘要翻译：一种用于启动和授权交易，包括一个或多个存储器装置存储指令和配置为执行指令，以可检测的设备与至少一个金融账户相关联的一个或一个以上处理器的系统。所述一个或多个处理器可以被进一步配置为接收一个通知指示没有可检测的装置中由传感器设备在发起动作检测可检测装置在启动的潜在交易参与。所述一个或多个处理器可以被进一步配置为接收与所述潜在交易相关联的交易信息。所述一个或多个处理器可以被进一步配置以识别与检测到的设备相关联的客户简档，和确定性矿无论潜在交易是由顾客基于交易信息和客户简档相关联的至少一个简档的定制参数的授权。

2. 发明申请

WO2015160704A1 SYSTEMS AND METHODS FOR INITIATING AND AUTHORIZING TRANSACTIONS USING A DETECTABLE DEVICE 审中-公开
标题翻译：使用可检测设备启动和授权交易的系统和方法
公开(公告)号：WO2015160704A1
公开(公告)日：2015-10-22
申请号：PCT/US2015/025571
申请日：2015-04-13
申请人： CAPITAL ONE FINANCIAL CORPORATION , KENDRICK, Jesse N.
发明人： KENDRICK, Jesse N. , LAFEER, Mohamed , REPHLO, Jeremy
IPC分类号： G06Q20/20
CPC分类号： G06Q20/40
摘要： A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.
摘要翻译：一种用于发起和授权交易的系统，包括存储指令的一个或多个存储器设备和被配置为执行指令以将可检测设备与至少一个金融账户相关联的一个或多个处理器。一个或多个处理器可以进一步被配置为接收指示可检测设备涉及由在启动动作中检测可检测设备的传感器设备发起的潜在事务中的通知。一个或多个处理器可以被进一步配置成接收与潜在事务相关联的交易信息。一个或多个处理器可以进一步配置为识别与可检测设备相关联的客户简档，并且基于交易信息和与客户简档相关联的至少一个简档定制参数来确定潜在交易是否被客户授权。

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