Digital dye packs

• US 9,967,277 B2
• Filed: 11/24/2014
• Issued: 05/08/2018
• Est. Priority Date: 11/24/2014
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Tijerina, Kevin, Doris-Down, Abraham, Escobedo, Miguel Angel, Wilczynski, Matthew Alexander
• Primary Examiner(s): Lipman, Jacob
• Application Number:
  US14/552,440
• Publication Number:
  US 20160149945A1
• Time in Patent Office: 1,261 Days
• Field of Search: 726 25
• CPC Class Codes: G06F 21/577 Assessing vulnerabilities and evaluating computer system security
• CPC Class Codes: G06F 9/30094 Condition code generation, e.g. Carry, Zero flag
• CPC Class Codes: H04L 63/1425 Traffic logging, e.g. anomaly detection
• CPC Class Codes: H04L 63/1433 Vulnerability analysis
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/12 Detection or prevention of fraud
• CPC Class Codes: H04W 12/33 using wearable devices, e.g. using a smartwatch or smart-glasses
• CPC Class Codes: H04W 12/61 Time-dependent
• CPC Class Codes: H04W 12/63 Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/67 Risk-dependent, e.g. selecting a security level depending on risk profiles
• CPC Class Codes: H04W 12/68 Gesture-dependent or behaviour-dependent

Abstract

Embodiments relate to systems and methods for providing digital dye packs in connection with a transaction via a device user interface. In an embodiment, a system includes a communication module of a remote server that interacts with a device that receives, from a user of the device, specific identifier information in connection with conducting a transaction with a recipient server; wherein the specific identifier information is associated with an alert of potential risk of the transaction. The system also includes a non-transitory memory comprising a database storing specific identifier information with corresponding actions that are executed based on the specific identifier information. The system further includes at least one hardware processor for executing an action in response to receiving corresponding identifier information associated with the alert of potential risk from the device in connection with the transaction.

Claims

1. A system, comprising:

a non-transitory memory storing specific identifier information with corresponding actions that are executed based on the specific identifier information, the specific identifier information comprising a modified or alternate identifier or a gesture in connection with conducting a transaction, wherein the modified or alternate identifier or the gesture is associated with an alert of a potential risk of the transaction; and

one or more hardware processors coupled to the non-transitory memory and configured to execute instructions to cause the system to perform operations comprising;

receiving, through a transmission from an image or video capturing device, a user input comprising the gesture in connection with conducting the transaction;

determining that the received user input corresponds to a specific gesture; and

executing an action in response to the determining, wherein the action comprises flagging or tracking the transaction due to the potential risk, and wherein the action is executed based at least in part on external data used to determine the potential risk in connection with conducting the transaction.

2. The system of claim 1, wherein the specific identifier information received from the device is compared to a corresponding action, and wherein the specific identifier information corresponds to an indication by a user that any information that the user inputs via the device poses a threat to identity of the user or security of the user.

3. The system of claim 1, wherein the modified or alternate identifier includes an identifier modified by adding or subtracting one or more digits or characters to an original or regular identifier.

4. The system of claim 1, wherein the device includes a display, and wherein the operations further comprise causing the device to customize the display based on the received user input.

5. The system of claim 1, wherein the action further comprises flagging the transaction for tracking differently than a transaction that is not indicated to have the potential risk and the flagged transaction does not fail.

6. The system of claim 1, wherein the operations further comprise limiting a total available amount of funds.

7. The system of claim 1, wherein the received user input corresponds to a specific subaccount of a user, and wherein funds are accessed from the specific subaccount of the user.

8. The system of claim 1, wherein the received user input comprises an identifier of a user in connection with an account of the user with a recipient server that the recipient server uses to execute the transaction to uniquely identify the user plus at least one of a prefix, a suffix, at least one or more added or subtracted digits or characters, or at least one or more gestures, which are used to determine the action corresponding to the received user input.

9. The system of claim 1, wherein the device comprises a user device comprising a computing device capable of transmitting and/or receiving data including a personal computer (PC), a mobile device including a smart phone, a laptop/tablet computer, or one or more wearable devices including a wristwatch with computer hardware resources or eyeglasses with computer hardware.

10. The system of claim 1, wherein the received user input is entered by a user using the device, the device comprising one or more interfaces including at least one of a touch screen, a keyboard, a keypad, gesture recognition, audio or voice recognition, or biometric information signature detection.

11. The system of claim 1, wherein the action includes setting a time limitation.

12. The system of claim 1, wherein the action includes setting a geographical limitation.

13. The system of claim 1, wherein the action includes setting a site limitation.

14. The system of claim 1, wherein the device comprises a device controlled or managed by an entity associated with a recipient server having an interface wherein a user interacts with the entity in connection with the transaction.

15. The system of claim 14, wherein the device that is controlled or managed by the entity associated with the recipient server further comprises a kiosk, a Point of Sale (POS) terminal or device or a website associated with the entity.

16. A method comprising:

receiving, by a communication module of a remote server, specific identifier information comprising a gesture entered by a user via an image or video capturing input device on a device in connection with a transaction with a recipient associated with a recipient server, wherein the specific identifier information is associated with an alert of a potential risk of the transaction that is transmitted by the device to the remote server;

determining, by at least one hardware processor in communication with the communication module, an action corresponding to the specific identifier information received from the device; and

performing, by the at least one hardware processor, the action corresponding to the specific identifier information in response to receiving the specific identifier information associated with the alert of the potential risk from the device in connection with the transaction, and wherein performing the action is further based at least in part on external data used to determine the potential risk in connection with conducting the transaction.

17. The method of claim 16, further comprising:

displaying, on an output device comprising a display module of the device, a display mode indicating that an action mode has been activated.

18. The method of claim 16, wherein the performing the action further comprises flagging or tracking the transaction, wherein the corresponding specific identifier information received from the user using the device in connection with the transaction indicates the user does not trust or is suspicious of the recipient associated with the recipient server.

19. The method of claim 16, wherein the performing the action further comprises:

accessing, from a non-transitory memory in communication with the at least one hardware processor, an account of the user maintained at the remote server; and

limiting the account based on the received specific identifier information, wherein the account is limited to one or more limits in connection with the transaction including at least one of a time limit, an amount limit or a geographical limit.

20. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

receiving, by a communication module of a remote server, specific identifier information entered by a user via an input device on a device in connection with a transaction with a recipient associated with a recipient server, wherein the specific identifier information is associated with an alert of a potential risk of the transaction that is transmitted by the device to the remote server;

determining, by at least one hardware processor in communication with the communication module, an action corresponding to the specific identifier information received from the device, the specific identifier information including a gesture received through a transmission from an image or video capturing device; and

performing, by the at least one hardware processor, the action corresponding to the specific identifier information in response to receiving the specific identifier information associated with the alert of the potential risk from the device in connection with the transaction, and wherein performing the action is further based at least in part on external data used to determine the potential risk in connection with conducting the transaction.