The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Feb. 17, 2026

Filed:

Feb. 07, 2025
Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Jeremy J. Phillips, Champaign, IL (US);

Matthew B. Konopa, Vero Beach, FL (US);

Assignee:

Capital One Services, LLC, McLean, VA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G07F 19/00 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/1085 (2013.01); G06Q 20/3223 (2013.01); G06Q 20/3276 (2013.01); G07F 19/203 (2013.01);
Abstract

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A method can include receiving, at a kiosk, an image, the image including an identifier uniquely identifying the kiosk and additional information encoded in the image; and displaying, at the kiosk, the image for scanning by a mobile device, the identifier being configured for: pairing the kiosk to a queued transaction associated with a user of the mobile device in the event the user is authenticated with an institution affiliated with the kiosk, and the additional information being configured for: directing, via the mobile device, the user to additional services to complete a transaction using the kiosk in the event the user of the mobile device is not authenticated with the institution.


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