Capital One Services, LLC

Ing Direct N.v.

Capital One Financial Corporation

David Aaron Pinski

Rudolph Christian Wolfs

Andrey L Utis

Audrey L Utis

A financial transaction method includes receiving a request to perform a financial transaction at a financial institution, generating a single-use transaction key for the financial transaction, and storing at least a first portion of the transaction key in a storage medium. The transaction key is transmitted to a user that requested the financial transaction, and an authorization request including at least a second portion of the transaction key is received from a merchant. The second portion of the transaction key received from the merchant is compared to the first portion of the transaction key to determine if the transaction should be authorized. An authorization message is transmitted to the merchant if the second portion of the transaction key received from the merchant matches the first portion of the transaction key. The financial transaction is funded from an account of the user if the financial transaction is authorized.

Systems and methods for performing financial transactions using active authentication

A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.

Systems and methods for performing ATM fund transfer using active authentication

Systems and methods for performing fund transfers at an automated teller machine (ATM) are disclosed. The systems and methods include using authentication transaction keys to enable a transferee device to facilitate an ATM withdrawal. The fund transfer is based on pre-defined ATM transaction parameters, which include an amount of funds for the transaction and a geographic limitation for an ATM at which the transaction may occur. Funds can be transferred in response to authentication of the authentication transaction key and confirmation that the ATM corresponds to the geographic limitation for the ATM.

Systems and methods for performing ATM fund transfers using active authentication

A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender.

System and method for providing a user-loadable stored value card

A system and method for performing a transaction at a point of sale ('POS') device includes a user device providing data indicative of a financial transaction. The data includes parameters that define the financial transaction, for example merchant name or type, transaction amount, etc. The financial institution creates an active authentication key for use in the financial transaction. Upon receiving a transaction request from the point of sale device, the financial institution can analyze the active authentication key and the parameters to determine if the transaction request should be approved.

Systems and methods for performing transactions using active authentication

A system and method for interfacing with financial information. The system includes a touch screen display. The touch-screen display includes a plurality of logical regions. Each one of the plurality of logical regions includes content that is expandable based on a user selection. The system also includes logic to associate a plurality of a user's financial data of a predetermined type with each one of the logical regions. The system further includes logic to vary an amount of the associated financial data displayed on the display based on a first type of user selection of one of the logical regions.

System and method for intelligently interfacing with financial information

A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis.

System and method for providing third party payments with non-integrated merchants

A system and method for opening an account at an institution. First information of a user may be received from a mobile device, and second information of the user may be received from the mobile device, the second information being converted from an image of a primary document. The first information may then be validated against the second information, and an account opened for the user if the first information validates against the second information. The step of receiving first information may include receiving optical character recognition data converted from an image of a secondary document such as a driver's license. The step of receiving second information may include receiving optical character recognition data converted from an image of the primary document such as a personal check, a debit card, a credit card, etc.

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Narberth, PA, United States of America

David Aaron Pinski