US 11,861,645 B2
Techniques to process biometric and transaction data to determine an emotional state of a user while performing a transaction
Sophie Bermudez, Washington, DC (US); Salik Shah, Washington, DC (US); and Latika Gulati, Annandale, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Jul. 15, 2021, as Appl. No. 17/377,181.
Application 17/377,181 is a continuation of application No. 16/830,370, filed on Mar. 26, 2020, granted, now 11,074,583.
Application 16/830,370 is a continuation of application No. 16/515,630, filed on Jul. 18, 2019, granted, now 10,643,213, issued on May 5, 2020.
Prior Publication US 2021/0342853 A1, Nov. 4, 2021
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0207 (2023.01); G06Q 20/40 (2012.01); G06Q 20/20 (2012.01); G06Q 20/42 (2012.01); G06Q 20/34 (2012.01); G06N 20/00 (2019.01); G06Q 30/0251 (2023.01); G06V 10/764 (2022.01); G06V 10/44 (2022.01); G06V 40/16 (2022.01); G06V 40/10 (2022.01)
CPC G06Q 30/0224 (2013.01) [G06N 20/00 (2019.01); G06Q 20/204 (2013.01); G06Q 20/352 (2013.01); G06Q 20/40145 (2013.01); G06Q 20/42 (2013.01); G06Q 30/0255 (2013.01); G06V 10/454 (2022.01); G06V 10/764 (2022.01); G06V 40/174 (2022.01); G06V 40/10 (2022.01); G06V 40/15 (2022.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a memory to store instructions; and
processing circuitry, coupled with the memory, operable to execute the instructions, that when executed, cause the processing circuitry to:
receive, from a computing device, biometric data comprising one or more biometric characteristics of a user detected by one or more biometric devices of a transaction card being used to complete a transaction;
apply a model to the biometric data and transaction data associated with the transaction to determine an emotional state of the user, the emotional state of the user comprises one of a positive emotional state or a negative emotional state, and the model trained on historical biometric data and historical transaction data associated with previous transactions and biometric characteristics of a plurality of users;
determine an action associated for the transaction based on the emotional state of the user during performance of the transaction, wherein the action comprises at least one of an enablement operation to cause the performance of the transaction, a confirmation operation to request the user to confirm the transaction via the computing device, and an incentive operation to provide an incentive to the user via the computing device for the transaction; and
cause the performance of the transaction, communication of the confirmation operation, performance of the incentive operation, or a combination thereof.