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1. WO2020205254 - SYSTEMS AND METHODS OF PENDING TRANSACTION AUGMENTATION AND AUTOMATIC ATTACHMENT TO SETTLED TRANSACTIONS

Publication Number WO/2020/205254
Publication Date 08.10.2020
International Application No. PCT/US2020/023513
International Filing Date 19.03.2020
IPC
G06Q 40/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
CPC
G06K 2209/01
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
2209Indexing scheme relating to methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
01Character recognition
G06K 9/00442
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
9Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
00442Document analysis and understanding; Document recognition
G06Q 10/10
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
10Administration; Management
10Office automation, e.g. computer aided management of electronic mail or groupware
G06Q 20/047
G06Q 20/209
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
209Specified transaction journal output feature, e.g. printed receipt or voice output
G06Q 20/36
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
Applicants
  • CAPITAL ONE SERVICES, LLC [US]/[US]
Inventors
  • DUTT, Rajsaday
  • RAHMAN, Faheem
  • MONAWER, Sharifa
  • ROY, Suvayan
Agents
  • CARMODY, Brennan
  • MORRISSETT, John A.
Priority Data
16/374,90404.04.2019US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS OF PENDING TRANSACTION AUGMENTATION AND AUTOMATIC ATTACHMENT TO SETTLED TRANSACTIONS
(FR) SYSTÈMES ET PROCÉDÉS D'AUGMENTATION DE TRANSACTION EN ATTENTE ET DE RATTACHEMENT AUTOMATIQUE À DES TRANSACTIONS RÉGLÉES
Abstract
(EN)
A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.
(FR)
La présente invention concerne un procédé qui consiste : à recevoir une indication d'une autorisation de transaction d'une transaction en attente, l'autorisation de transaction étant demandée à l'aide d'un compte financier associé à un utilisateur ; à délivrer en sortie pour une transmission, à un dispositif utilisateur associé à l'utilisateur, une demande d'informations d'achat correspondant à la transaction en attente ; à recevoir, en provenance du dispositif utilisateur, des données d'image de reçu correspondant à un reçu associé à la transaction en attente ; à stocker des données indiquant le reçu en correspondance avec la transaction en attente ; à déterminer, sur la base de l'analyse d'une pluralité de transactions postées du compte financier, une première transaction postée correspondant à la transaction en attente ; et à stocker les données indiquant le reçu en correspondance avec la première transaction postée.
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