US 12,260,389 B2
Presence verification for electronic transactions
Zainab Zaki, Reston, VA (US); and Jackson Cheek, Washington, DC (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 23, 2023, as Appl. No. 18/200,742.
Application 16/929,249 is a division of application No. 16/457,296, filed on Jun. 28, 2019, granted, now 10,748,136, issued on Aug. 18, 2020.
Application 18/200,742 is a continuation of application No. 16/929,249, filed on Jul. 15, 2020, granted, now 11,704,657.
Prior Publication US 2023/0297994 A1, Sep. 21, 2023
Int. Cl. G06Q 20/30 (2012.01); G06Q 20/32 (2012.01); G06K 19/06 (2006.01)
CPC G06Q 20/3276 (2013.01) [G06K 19/06028 (2013.01); G06K 19/06037 (2013.01); G06Q 20/3224 (2013.01)] 20 Claims
OG exemplary drawing
 
1. An apparatus comprising:
at least one processor; and
memory storing instructions that, when executed by the at least one processor, configure the apparatus to:
determine that a mobile device has optically read a first optically-readable code of a plurality of optically-readable codes displayed by a plurality of display devices each at a different location, wherein the first optically-readable code indicates a software application, wherein each of the plurality of optically-readable codes is displayed for a predetermined period of time before being replaced with another of the plurality of optically-readable codes, and wherein each of the plurality of optically-readable codes encodes:
a location of a respective one of the plurality of display devices that displays the optically-readable code, and
a token that is different for each of the plurality of optically-readable codes;
communicate with the mobile device, based on the first optically-readable code, to perform a transaction with the mobile device that is executing the software application;
determine that the mobile device has optically read, during the transaction, a second optically-readable code of the plurality of optically-readable codes;
determine whether a location encoded by the first optically-readable code matches a location encoded by the second optically-readable code;
determine, based on the token of the first optically-readable code and the token of the second optically-readable code, whether a time difference between the first optically-readable code and the second optically-readable code satisfies a predetermined timeframe criterion;
approve the transaction based on determining that the location encoded by the first optically-readable code matches a location encoded by the second optically-readable code and that the time difference satisfies the predetermined time criterion; and
send a message to the mobile device indicating approval of the transaction.