Camera activation and image processing for transaction verification

• US 10,115,083 B1
• Filed: 10/24/2017
• Issued: 10/30/2018
• Est. Priority Date: 10/24/2017
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Koeppel, Adam
• Primary Examiner(s): Masud, Rokib
• Application Number:
  US15/792,537
• Time in Patent Office: 371 Days
• Field of Search: 705 16, 705 26, 705 41
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/047 using payment protocols involving electronic receipts
• CPC Class Codes: G06Q 20/209 Specified transaction journal output feature, e.g. printed receipt or voice output
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/125 Finance or payroll
• CPC Class Codes: G06V 10/10 Image acquisition document image scanning and transmission H04N1/00; control of digital cameras H04N23/60
• CPC Class Codes: H04W 4/02 Services making use of location information

Abstract

A device may receive first information related to a transaction. The device may identify a first device from which to receive an image of a receipt related to the transaction. The device may provide, to the first device, a notification to cause the first device to perform a set of actions including activating a camera associated with the first device to capture the image of the receipt, or providing, for display, an instruction related to capturing the image of the receipt associated with the transaction. The device may receive, from the first device, the image of the receipt. The device may process the image of the receipt to perform an analysis of the transaction. The device may perform an action related to the transaction based on a result of processing the image of the receipt.

Claims

1. A device, comprising:

one or more memories; and

one or more processors, communicatively coupled to the one or more memories, to;

receive, from a transaction terminal, first information related to a transaction, the transaction being completed via the transaction terminal;

identify, based on receiving the first information, a user device;

provide, to the user device, a notification relating to the transaction, the notification causing;

the user device to activate a camera associated with the user device, and

the user device to initiate a timer that provides an indication of an amount of time relating to capturing an image of a receipt associated with the transaction;

receive, from the user device, the image of the receipt;

process the image of the receipt to perform an analysis of the transaction; and

perform an action related to the transaction based on a result of processing the image of the receipt.

2. The device of claim 1, where the one or more processors are further to:

determine that a value associated with the transaction satisfies a threshold based on the first information; and

where the one or more processors, when providing the notification to the user device, are to;

provide the notification to the user device after determining that the value satisfies the threshold.

3. The device of claim 1, where the one or more processors, when performing the action, are to:

populate an expense report with at least one of;

the first information,

second information after receiving the second information from the user device as input, or

third information shown in the image after processing the image.

4. The device of claim 1, where the one or more processors, when performing the action, are to:

provide, for display via another user device, second information identifying the result of processing the image to permit approval of the transaction.

5. The device of claim 1, where the one or more processors are further to:

process the first information after receiving the first information;

determine a type of the transaction based on a result of processing the first information; and

where the one or more processors, when providing the notification to the user device, are to;

provide the notification to the user device based on the type of the transaction.

6. The device of claim 1, where the one or more processors are further to:

process second information from the user device to identify a first set of individuals identified in the second information,

the second information identifying the first set of individuals as being associated with the transaction;

process another image, from the user device, to identify a second set of individuals depicted in the other image after processing the second information; and

determine, after processing the other image, whether the first set of individuals identified in the second information and the second set of individuals depicted in the other image match to permit approval of the transaction.

7. The device of claim 1, where the one or more processors, when performing the action, are to:

request additional input from the user device to confirm the result of processing the image of the receipt, or

request the additional input to confirm a result of performing the analysis.

8. A non-transitory computer-readable medium storing instructions, the instructions comprising:

one or more instructions that, when executed by one or more processors, cause the one or more processors to;

receive first information related to a transaction;

identify a first device from which to receive an image of a receipt related to the transaction;

provide, to the first device, a notification to cause the first device to perform a set of actions including;

activating a camera associated with the first device,

the camera to be used to capture the image of the receipt, and

initiating a timer that provides an indication of an amount of time related to capturing the image of the receipt associated with the transaction;

receive, from the first device, the image of the receipt;

process the image of the receipt to perform an analysis of the transaction; and

perform an action related to the transaction based on a result of processing the image of the receipt.

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

determine a geographic location associated with a second device based on the first information,

the second device being used to complete the transaction; and

where the one or more instructions, that cause the one or more processors to identify the first device, cause the one or more processors to;

identify the first device based on the geographic location of the second device.

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

identify second information depicted in the image of the receipt based on the result of processing the image of the receipt; and

where the one or more instructions, that cause the one or more processors to perform the action, cause the one or more processors to;

generate a report associated with the transaction based on the second information.

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

process the first information to determine a type of the transaction; and

where the one or more instructions, that cause the one or more processors to provide the notification to the first device, cause the one or more processors to;

provide the notification to the first device based on the type of the transaction.

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

determine whether second information identified in the image of the receipt or third information received as input from the first device match the first information; and

where the one or more instructions, that cause the one or more processors to perform the action, cause the one or more processors to;

perform the action after determining whether the second information or the third information match the first information.

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

request verification information from the first device,

the verification information to be used to verify an identity of a user associated with the first device from which the image of the receipt is received; and

perform the analysis of the transaction after receiving a response to the request for the verification information.

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

determine that the transaction and another transaction are similar after receiving the first information; and

where the one or more instructions, that cause the one or more processors to provide the notification to the first device, cause the one or more processors to;

provide the notification to the first device based on the transaction and the other transaction being similar.

15. A method, comprising:

receiving, by a first device, first information related to a transaction associated with a second device,

the second device including;

a transaction card, or

a transaction terminal;

identifying, by the first device, a third device from which to receive an image of a receipt related to the transaction or second information related to the transaction based on the first information;

providing, by the first device and to the third device, a notification relating to the transaction to cause the third device to provide the image or the second information,

the notification causing the third device to;

activate a camera associated with the third device, and

initiate a timer that provides an indication of an amount of time relating to capturing the image of the receipt;

receiving, by the first device and from the third device, the image of the receipt or the second information;

processing, by first device, the image of the receipt or the second information to perform an analysis of the transaction; and

performing, by the first device, an action related to the transaction based on a result of processing the image of the receipt or the second information.

16. The method of claim 15, where performing the action comprises:

generating a report related to the transaction after processing the image of the receipt or the second information; and

requesting confirmation of the report from the third device after generating the report.

17. The method of claim 15, where performing the action comprises:

triggering an alarm related to the transaction based on the result of processing the image or the second information, or

sending a message to a fourth device that identifies the result of processing the image or the second information,

the fourth device being associated with approving the transaction.

18. The method of claim 15, further comprising:

determining whether to approve the transaction based on the result of processing the image of the receipt or the second information.

19. The method of claim 15, where identifying the third device comprises:

identifying the third device based on a preference of an account associated with the third device,

the third device being associated with the transaction card; and

where providing the notification comprises;

providing the notification to the third device after identifying the third device based on the preference of the account.

20. The method of claim 15, further comprising:

determining a score for the first information after receiving the first information,

the score indicating a likelihood that the transaction is a particular type of transaction; and

where identifying the third device comprises;

identifying the third device after determining the score for the first information.