Capital One Services, LLC

Ing Direct N.v.

Captial One Financial Corporation

Rudolph Christian Wolfs

David Aaron Pinski

Robert Dean Rowley, Iii

Daniel Lloyd Struble

James John Kelly

Todd Adam Sandler

Joseph DeLiberis

Oron Haus

William Pierce Abrams, Jr

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 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 method for authenticating a check of a plurality of checks where the check was previously issued from a first party to a second party, including receiving first information from the first party, storing the first information in a file of a third party and receiving the check. The check has first party identifying information, a unique pseudorandom number of a pseudorandom sequence, and an amount. A status of activating the plurality of checks is determined. At least a portion of the first party identifying information included with the check, the unique pseudorandom number included with the check and the check amount included with the check are authenticated. The received check is authenticated if the first party, the unique pseudorandom number included with the check and the amount included with the check are authenticated and if the plurality of checks have been activated.

Method for authenticating financial instruments and financial transaction requests

In some embodiments, a method of performing a person-to-person financial transaction includes receiving an active authentication transaction key at a mobile financial transaction instrument of a transferor from a financial institution, storing the active authentication transaction key in a non-transient machine-readable storage medium of the mobile financial transaction instrument of the transferor, and transferring the active authentication transaction key to a mobile financial transaction instrument of a transferee for completion of the person-to-person financial transaction using wireless transmission.

Systems and methods for performing person-to-person transactions using active authentication

A device receives call data associated with a conference call between a plurality of users. The call data includes at least two of: data identifying each of the plurality of users, data identifying user activity associated with at least one user in the plurality of users, and conference call metadata associated with the conference call. The call muting platform receives voice data associated with the conference call. The voice data is associated with at least one vocal utterance associated with the plurality of users. The call muting platform provides the call data and the voice data to a second device, and receives mute data from the second device. The mute data indicates whether to mute or un-mute a particular user of the plurality of users.

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Hockessin, DE, United States of America

Rudolph Christian Wolfs