SYSTEMS AND METHODS FOR TRANSACTION AUTHENTICATION USING DYNAMIC WIRELESS BEACON DEVICES

• US 20160342979A1
• Filed: 08/05/2016
• Published: 11/24/2016
• Est. Priority Date: 04/08/2014
• Status: Abandoned Application

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Joshi, Anurag, Hodges, William A., DeLuca, Brian E.
• Application Number:
  US15/229,914
• Publication Number:
  US 20160342979A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 76/40 for selective distribution or broadcast

Abstract

Systems, methods, and computer-readable media are provided for authenticating transactions. An example first method includes steps performed by a server, comprising generating and storing a first identifier and sending the first identifier to a wireless beacon device associated with a transaction device over a network, receiving a transaction request comprising a proposed identifier and information related to a transaction, determining whether there is a match between the first identifier and the proposed identifier, and, based on a determination that there is a match, authorizing the transaction. An example second method includes steps performed by a user device, comprising displaying a user interface requesting information related to the transaction and receiving input comprising the information, polling, by the user device, for one or more wireless beacon devices and determining one or more identifiers associated with the wireless beacon devices, transmitting the one or more identifiers to a service provider device, and receiving information authorizing or declining the transaction.

Claims

1. A system, comprising:

a service provider device, comprising;

a processor; and

memory storing instructions configured to cause the processor in the service provider device to perform a method comprising;

generating and storing a first identifier;

sending, over a network, the first identifier to a wireless beacon device associated with a transaction device, the beacon device configured to broadcast a wireless signal correlated to the first identifier;

receiving, from a user device or the transaction device over the network, a transaction request comprising a proposed identifier and information related to a transaction;

determining whether there is a match between the first identifier and the proposed identifier; and

based on determining that there is a match between the first identifier and the proposed identifier, authorizing the transaction request; and

a wireless beacon device, comprising;

a network adapter;

a processor; and

memory storing a permanent identifier, a temporary identifier, and instructions, the instructions configured to cause the processor in the wireless beacon device to perform a method comprising;

receiving, using the network adapter, an identifier;

overwriting the temporary identifier in memory using the received identifier; and

wirelessly broadcasting the temporary identifier and the permanent identifier stored in the memory,

wherein the steps of receiving and broadcasting are performed using two different network adapters.

2. The system of claim 1, wherein authorizing the transaction request comprises transmitting information over the network to at least one of the user device or the transaction device.

3. The system of claim 1, wherein the processor in the service provider device is further configured to perform steps comprising:

generating and storing a second identifier for the wireless beacon device; and

sending the second identifier to the wireless beacon device for overwriting the first identifier.

4. The system of claim 1, wherein the wireless beacon device is located closer to the transaction device than at least one second wireless beacon device.

5. A method for authenticating a transaction performed at a transaction device, the method comprising steps performed by at least one processor at a server, the method comprising:

generating and storing a first identifier;

sending, over a network, the first identifier to a wireless beacon device associated with a transaction device, the wireless beacon device configured to broadcast a wireless signal correlated to the first identifier;

receiving, from a user device or the transaction device over the network, a transaction request comprising a proposed identifier and information related to a transaction;

determining whether there is a match between the first identifier and the proposed identifier; and

based on determining that there is a match between the first identifier and the proposed identifier, authorizing the transaction request.

6. The method of claim 5, wherein authorizing the transaction request comprises transmitting information over the network to at least one of the user device or the transaction device.

7. The method of claim 5, further comprising:

generating and storing a second identifier for the beacon device; and

sending the second identifier to the beacon device for overwriting the first identifier.

8. The method of claim 5, wherein the wireless beacon device is located closer to the transaction device than at least one second wireless beacon device.

9. A method for authenticating a transaction performed at a user device and a transaction device, the method comprising steps performed by at least one processor at the user device, the method comprising

displaying a user interface on the user device requesting information related to the transaction;

receiving input comprising the information related to the transaction;

polling for one or more beacon devices in proximity to the user device;

determining one or more identifiers emitted by the wireless beacon devices;

transmitting the one or more identifiers to a service provider device; and

receiving information authorizing or declining the transaction.

10. The method of claim 9, wherein transmitting the one or more identifiers further comprises sending the one or more identifiers and location data associated with the user device.

11. The method of claim 9, wherein the polling operates using a wireless short-range protocol.

12. The method of claim 11, further comprising determining a closest wireless beacon device by:

polling using a first polling mode to detect a first set of wireless beacon devices within a first range of the user device;

polling using a second polling mode to detect a second set of wireless beacon devices within a second range of the user device, the second range being smaller than the first range; and

selecting a wireless beacon device from the second set of wireless beacon devices based on the signal strength,

wherein transmitting the one or more identifiers to a service provider device comprises transmitting an identifier associated with the selected wireless beacon device.

13. A user device, comprising:

a display;

a processor; and

memory storing instructions configured to cause the processor to perform a method comprising;

displaying a user interface on the display requesting information related to the transaction;

receiving input comprising the information related to the transaction;

polling for one or more wireless beacon devices in proximity to the user device;

determining one or more identifiers associated with the wireless beacon devices;

transmitting the one or more identifiers to a service provider device; and

receiving information authorizing or declining the transaction.

14. The user device of claim 13, wherein transmitting the one or more identifiers further comprises sending the one or more identifiers and location data associated with the user device.

15. The user device of claim 13, wherein the polling operates using a wireless short-range protocol.

16. The user device of claim 15, further comprising determining a closest wireless beacon device by:

polling using a first polling mode to detect a first set of wireless beacon devices within a first range of the user device;

polling using a second polling mode to detect a second set of wireless beacon devices within a second range of the user device, the second range being smaller than the first range; and

selecting a wireless beacon device from the second set of wireless beacon devices based on the signal strength, and

wherein transmitting the one or more identifiers to a service provider device comprises transmitting an identifier associated with the selected wireless beacon device.