Intra-transaction account generation

US10475061B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Dan Givol · Sunnyvale, US
• Lukiih Cuan · Washington, US
• Michelle S. Olenoski · Washington, US

Key dates

• Filing date: Jan 25, 2018
• Grant date: Nov 12, 2019
• Expiry date: Apr 26, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0207
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A device may receive transaction information related to a transaction that an individual is completing. The transaction information may identify a location of the transaction and the individual that is completing the transaction. The device may determine, prior to completing the transaction and based on data from a sensor of a transaction terminal or from a user device associated with the individual, that the individual did not use a benefit account associated with the location in association with completing the transaction. The benefit account may be a rewards account, a loyalty account, or a discount account. The device may perform an action to facilitate use of the benefit account in association with completing the transaction. The action may be performed prior to completing the transaction. The device may perform another action to complete the transaction after performing the action to facilitate use of the benefit account.