US 11,687,895 B2
Systems and methods for point of sale deposits
Dennis S. Brennan, Pleasanton, CA (US); Steven Potter, Mill Valley, CA (US); and Jonathan Witter, Washington, DC (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 27, 2021, as Appl. No. 17/241,968.
Application 17/241,968 is a continuation of application No. 16/355,955, filed on Mar. 18, 2019, granted, now 11,017,365.
Application 16/355,955 is a continuation of application No. 15/901,519, filed on Feb. 21, 2018, granted, now 10,282,715, issued on May 7, 2019.
Application 15/901,519 is a continuation of application No. 15/899,962, filed on Feb. 20, 2018, granted, now 10,002,346, issued on Jun. 19, 2018.
Application 15/899,962 is a continuation of application No. 15/797,747, filed on Oct. 30, 2017, granted, now 9,940,609, issued on Apr. 10, 2018.
Application 15/797,747 is a continuation of application No. 14/472,610, filed on Aug. 29, 2014, granted, now 9,836,727, issued on Dec. 5, 2017.
Claims priority of provisional application 62/007,612, filed on Jun. 4, 2014.
Claims priority of provisional application 61/872,150, filed on Aug. 30, 2013.
Prior Publication US 2021/0350345 A1, Nov. 11, 2021
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 20/108 (2013.01) [G06Q 20/1085 (2013.01); G06Q 20/20 (2013.01); G06Q 20/36 (2013.01); G06Q 20/40 (2013.01); G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for executing a point-of-sale deposit, the system comprising:
one or more memory devices storing software instructions; and
one or more processors configured to execute the software instructions to perform operations comprising:
receiving, from a client device at a server, an initiation request to initiate a point-of-sale deposit transaction, wherein the initiation request includes information identifying a customer account;
generating, at the server, a transaction token associated with the initiation request, wherein the transaction token is encoded with deposit information;
transmitting, from the server to the client device, the transaction token;
receiving, from a merchant device at the server, an authorization request that includes information associated with the transaction token;
authorizing, at the server, completion of the point-of-sale deposit based on an analysis of the authorization request, wherein the analysis includes determining that the information associated with the transaction token matches the encoded deposit information; and
transmitting, from the server, an indication of deposit of funds associated with the point-of-sale deposit transaction to the customer account.