公开(公告)号：US20220261799A1

公开(公告)日：2022-08-18

申请号：US17679619

申请日：2022-02-24

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/40 ,  G06Q20/38

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US11182797B1

公开(公告)日：2021-11-23

申请号：US17176642

申请日：2021-02-16

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q40/00 ,  G06Q20/40 ,  G06K9/62 ,  G06N20/00

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.