SYSTEMS AND METHODS FOR INITIATING PAYMENT FROM A CLIENT DEVICE

• US 20160071085A1
• Filed: 11/13/2015
• Published: 03/10/2016
• Est. Priority Date: 03/15/2013
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Douglas, Lawrence, Moreton, Paul
• Granted Patent: US 10,572,869 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/321 using wearable devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/3274 using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/4015 using location information
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46

Abstract

The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.

Claims

1-18. -18. (canceled)

19. A computer-implemented method for automatically initiating an account function using a mobile client device, comprising:

detecting, by a mobile client device executing a first software application, a motion pattern associated with a physical drawing action performed on the mobile client device by a user;

determining, by the mobile client device and based on the detected motion pattern, an account function of the first software application or a second software application;

analyzing, by the mobile client device, the detected motion pattern based on predefined criteria; and

automatically initiating, by the mobile client device, the account function based at least on the analyzed motion pattern.

20. The method of claim 19, wherein the motion pattern is associated with a drawing performed on a touch-sensitive component of the mobile client device.

21. The method of claim 20, wherein the motion pattern represents a code word, a name, or a set of initials associated with the predetermined criteria.

22. The method of claim 21, wherein the predetermined criteria is preconfigured with the software application.

23. The method of claim 21, wherein the predetermined criteria comprises the motion pattern and is selected by the user.

24. The method of claim 19, wherein the account function includes a financial service function.

25. The method of claim 24, wherein the financial service function is a deep linked function provided by the software application.

26. The method of claim 25, wherein the financial service function is a payment function that includes a payment method comprising at least one of an optical payment code payment method, a near-field communication payment method, an audio payment signal method, an internet-based payment method, or an SMS-based payment method.

27. A mobile apparatus for automatically initiating an account function, comprising:

a memory storing software instructions, the software instructions including a first application configured to perform account functions; and

at least one processor configured to execute the stored software instructions to;

detect a motion pattern associated with a physical drawing action performed on the mobile client device by a user;

select an account function associated with the detected motion pattern;

analyze the detected motion pattern based on predetermined criteria; and

automatically initiate the account function based at least on the analyzed motion pattern.

28. The mobile apparatus of claim 27, wherein the motion pattern is associated with a drawing performed on a touch-sensitive component of the mobile client device.

29. The mobile apparatus of claim 28, wherein the motion pattern represents a code word, a name, or a set of initials associated with the predetermined criteria.

30. The mobile apparatus of claim 29, wherein the predetermined criteria is preconfigured with the software application.

31. The mobile apparatus of claim 29, wherein the predetermined criteria comprises the motion pattern and is selected by the user.

32. The mobile apparatus of claim 27, wherein the account function includes a financial service function.

33. The mobile apparatus of claim 32, wherein the financial service function is a deep linked function provided by the software application.

34. The mobile apparatus of claim 33, wherein the financial service function is a payment function that includes a payment method comprising at least one of an optical payment code payment method, a near-field communication payment method, an audio payment signal method, an internet-based payment method, or an SMS-based payment method.

35. A transitory computer-readable storage medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform operations comprising:

detecting, in a mobile client device executing a first software application, a motion pattern associated with a physical drawing action performed on the mobile client device by a user;

determining, by the mobile client device and based on the detected motion pattern, an account function of the first software application or a second software application;

analyzing, by the mobile client device, the detected motion pattern based on predetermined criteria; and

automatically initiating, by the mobile client device, the account function based at least on the analyzed motion pattern.

36. The storage medium of claim 35, wherein the motion pattern is associated with a drawing performed on a touch-sensitive component of the mobile client device.

37. The storage medium of claim 36, wherein the motion pattern represents a code word, a name, or a set of initials.

38. The storage medium of claim 37, wherein the predetermined criteria is preconfigured with the software application.

39. The storage medium of claim 37, wherein the predetermined criteria comprises a motion pattern and is selected by the user.

40. The storage medium of claim 35, wherein the account function includes a financial service function.

41. The storage medium of claim 40, wherein the financial service function is a deep linked function provided by the software application.

42. The storage medium of claim 41, wherein the financial service function is a payment function that includes a payment method comprising at least one of an optical payment code payment method, a near-field communication payment method, an audio payment signal method, an internet-based payment method, or an SMS-based payment method.