公开(公告)号：WO2015157295A1

公开(公告)日：2015-10-15

申请号：PCT/US2015/024728

申请日：2015-04-07

申请人： CAPITAL ONE FINANCIAL CORPORATION ,  IQBAL, Mohammed Zafar ,  ROSENGREN, Kevin ,  DOERFLER, Max ,  DELUCA, Brian ,  JOSHI, Anurag ,  DILLON, James ,  HOLLINS, Richie ,  WARDER, Jamie ,  HODGES, William A. ,  ALLEN, Ken

发明人： IQBAL, Mohammed Zafar ,  ROSENGREN, Kevin ,  DOERFLER, Max ,  DELUCA, Brian ,  JOSHI, Anurag ,  DILLON, James ,  HOLLINS, Richie ,  WARDER, Jamie ,  HODGES, William A. ,  ALLEN, Ken

IPC分类号： G06Q20/32

CPC分类号： G06Q20/3223 ,  G06Q20/18 ,  G06Q20/3221 ,  G06Q20/3224 ,  G06Q20/40145

摘要： The disclosed embodiments provide systems and methods for transacting at a local financial service provider device using a mobile device. The system may include one or more processors configured to execute instructions to receive transaction data associated with a transaction request including a customer identifier received from a mobile device associated with the customer. Additionally, the processors may receive authentication data associated with the customer that may be provided by the customer operating the mobile device and without requiring the customer to input data directly at the local financial service provider device. The processors may further determine whether the received authentication data authenticates the transaction, authorize the transaction, and provide an indication to the local financial service provider device to perform the transaction based on a determination that the customer operating the mobile device is physically located within a threshold distance away from the local financial service provider device.

摘要翻译： 所公开的实施例提供了使用移动设备在本地金融服务提供商设备进行交易的系统和方法。 该系统可以包括一个或多个处理器，其被配置为执行指令以接收与包括从与客户相关联的移动设备接收的客户标识符的交易请求相关联的交易数据。 此外，处理器可以接收与客户相关联的认证数据，其可以由操作移动设备的客户提供，而不需要客户直接在本地金融服务提供商设备上输入数据。 处理器可以进一步确定所接收的认证数据是否验证交易，授权交易，并且基于确定操作移动设备物理上位于阈值内的确定来向本地金融服务提供商设备提供指示来执行交易 距离当地金融服务提供商设备。