NFC enhanced augmented reality information overlays

Abstract

Various embodiments relate to the use of near field communication (NFC) and product selection systems to overlay information about products in an augmented reality. A user can authenticate to an application or a user profile. Information about the user in the user profile can be used to determine which products are relevant to the user. Information related to the relevant products can then be displayed to the user in an augmented reality, which at least improves the overall shopping and in-store experience.

Description

[0001] Cross Reference to Related Applications

[0002] This application claims priority to U.S. Patent Application Serial No. 16 / 423,482, filed May 28, 2019, entitled “NFC ENHANCED AUGMENTED REALITY INFORMATION OVERLAYS.” The contents of the above application are incorporated herein by reference in their entirety. BACKGROUND

[0003] Online shopping can provide certain advantages to customers over shopping in a store. For example, an online customer can be able to read various product reviews, read a large number of user comments, view a spec sheet, view an image or video of a product outside of its packaging, etc. before purchasing a product. However, for in-store customers, product-related information such as reviews, comments, or the like can not be readily available unless the customer performs an online search for each product they wish to purchase, which can be a tedious and time-consuming task. SUMMARY

[0004] Various embodiments relate to overlaying information about products in augmented reality via the use of near field communication (NFC) and a product selection system. A user can authenticate to an application or a user profile. Information about the user in the user profile can be used to determine which products are relevant to the user. Information related to the relevant products can then be displayed to the user in augmented reality, which at least improves the overall shopping and in-store experience. BRIEF DESCRIPTION OF DRAWINGS

[0005] Figure 1A An example data transmission system is shown in accordance with one or more embodiments.

[0006] Figure 1A An example sequence diagram for providing authenticated access is shown in accordance with one or more embodiments.

[0007] Figure 2 An example system using a contactless card is shown in accordance with one or more embodiments.

[0008] Figure 3A An example contactless card is shown in accordance with one or more embodiments.

[0009] Figure 3B An example contact pad of a contactless card is shown in accordance with one or more embodiments.

[0010] Figure 4 An example sequence diagram related to secure password generation is shown in accordance with one or more embodiments.

[0011] Figure 5 An example password generation for a password manager application is shown in accordance with one or more embodiments.

[0012] Figure 6 Another example sequence diagram related to secure password generation is shown in accordance with one or more embodiments.

[0013] Figure 7 Another example password generation for a website is shown in accordance with one or more embodiments.

[0014] Figure 8 An example flow diagram is shown in accordance with one or more embodiments. DETAILED DESCRIPTION

[0015] Various embodiments generally relate to authenticating a user via a contactless near field communication (NFC) smart card, and based on the NFC authentication, overlaying virtual user-related, product-related information in augmented reality (AR) adjacent to one or more products. In an example, the NFC authentication can provide a user with a personalized in-store shopping experience. For example, upon NFC authentication, a shopping profile associated with the user can be accessed. Information associated with or contained in the shopping profile can be used to present product-related information in AR that is relevant to the user. For example, the user-relevant information can include any products corresponding to the user's overall shopping interests, shopping patterns, budget constraints, preferences for certain types of sales, dietary restrictions, or the like.

[0016] According to an embodiment, prior to or after entering a store (e.g., a grocery store), a user can tap the user's contactless NFC card to a mobile computing device, such as a smartphone, a wearable computer, or the like, to authenticate the user to an application and access the user's personal shopping profile. As will be further described below, this process can be referred to as "one-tap" authentication. The personal shopping profile can include various information related to the user's shopping preferences, such as items previously purchased by the user, grocery lists previously created by the user, a user-related diet plan, user-related dietary restrictions, or the like.

[0017] As the user moves within the store, the user computing device can detect one or more NFC and / or RFID signals, and via these detected signals, the computing device can receive information corresponding to various types of products. In an example, the information from the detected signals can be analyzed so as to present only information relevant to the user. For example, if the user is allergic to peanut butter, information related to peanut butter products can be filtered out from display. As will be further described below, product related information can include at least in-store customer reviews, external customer reviews, in-store customer comments, external customer comments, information related to product safety, and the like.

[0018] The product information can be presented to the user in virtual information bubbles that can be displayed on the user's mobile computing device and float in the AR space such that they remain spatially associated with the corresponding product or item in the store. In embodiments, the virtual information bubbles can be color coded based on semantic analysis to give a broad overview of positive and negative ratings, for example, red can indicate negative ratings and green can indicate positive ratings. At a distance, the color can be the only feature of the information bubble that is visible to the user. As the user approaches a particular product, one or more of the titles of the information bubble can become visible, and when the user is closer to the product, the customer can be able to read the full content of the information bubble.

[0019] In an example, if the user wishes to focus on a particular product while ignoring other displayed information bubbles, the user can tap the user's mobile computing device on a product-specific NFC and / or RFID sensor located on or near the product. In other examples, a bar code of the particular product can be scanned.

[0020] In further examples, reviews and comments related to a product can be extracted from both in-store reviews from a particular store and web-based reviews of the product. The AR interface can allow these reviews and / or comments to be filtered and categorized. Furthermore, if the user wishes to review a particular product, the user can tap the user's contactless card on the user's mobile computing device to authenticate into the application, which can allow the user to quickly enter a comment or review without having to manually log into the application (the user can still do so).

[0021] The term "information bubble" used herein to describe how product information is graphically displayed in AR can be broadly understood as any suitable way of displaying product information, for example, plain text, bubble-shaped graphics, square-shaped graphics, rectangular-shaped graphics, various fonts, sizes, colors, and the like.

[0022] In previous solutions, when shopping in a brick and mortar store, a customer does not have easy access to product related information. As mentioned above, one way a customer can obtain product information in a store is to look up each product online, but this process is a tedious and overly cumbersome task. Furthermore, the in-store shopping experience is not intentionally personalized to each customer. The embodiments and examples described herein overcome and are superior to previous solutions in that product related information relevant to the user is provided in AR during the in-store shopping experience. At least in this regard, the user has easy access to personalized, product related information, which significantly improves the overall shopping experience.

[0023] Reference will now be made to the drawings wherein like numerals refer to like components throughout. In the following description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the novel embodiments. It can be evident, however, that the novel embodiments can be practiced without these specific details. In other instances, well known structures and devices are shown in block diagram form in order to facilitate describing these embodiments. It is intended that the embodiments cover all alternatives, modifications, and equivalents.

[0024] Figure 1A An example data transmission system in accordance with one or more embodiments is shown. As discussed further below, the system 100 can include a contactless card 105, a client device 110, a network 115, and a server 120. While Figure 1A A single instance of a component is shown, but the system 100 can include any number of components.

[0025] The system 100 can include one or more contactless cards 105, which will be described below with reference to Figure 3A and Figure 3B further described. In some embodiments, the contactless card 105 can utilize NFC in the example to wirelessly communicate with the client device 110.

[0026] The system 100 can include a client device 110, which can be a network-enabled computer. As indicated herein, a network-enabled computer can include, but is not limited to, a computer device, or a communication device including, for example, a server, a network appliance, a personal computer, a workstation, a telephone, a smart phone, a handheld PC, a personal digital assistant, a thin client, a fat client, an Internet browser, or other device. The client device 110 can also be a mobile computing device, such as an iPhone, iPod, iPad from Apple, or any other suitable device running Apple's iOS operating system, a Blackberry from Research In Motion, or any other suitable device running Microsoft's Windows Mobile operating system. ​​any device running Google's any device running Google's

[0027] The client device 110 device can include a processor and a memory, and it can be understood that the processing circuitry can contain additional components, including processors, memories, error and parity / CRC checkers, data encoders, anti-collision algorithms, controllers, command decoders, security primitives, and tamper-resistant hardware, as necessary to perform the functions described herein. The client device 110 can further include a display and an input device. The display can be any type of device for presenting visual information, such as a computer monitor, a flat-panel display, and a mobile device screen, including liquid crystal displays, light-emitting diode displays, plasma panels, and cathode ray tube displays. The input device can include any device for inputting information into the user device that is available to and supported by the user device, such as a touchscreen, a keyboard, a mouse, a cursor control device, a touchscreen, a microphone, a digital camera, a video recorder, or a camcorder. These devices can be used to input information and interact with the software and other devices described herein.

[0028] In some examples, the client device 110 of the system 100 can execute one or more applications, such as software applications, that enable the client device 110 to, for example, network communicate with one or more components of the system 100 and transmit and / or receive data.

[0029] The client device 110 can communicate with one or more servers 120 via one or more networks 115 and can operate as a respective front-end to back-end pairing with the servers 120. The client device 110 can transmit one or more requests to the servers 120, for example, from a mobile device application executing on the client device 110. The one or more requests can be associated with retrieving data from the servers 120. The servers 120 can receive the one or more requests from the client device 110. Based on the one or more requests from the client device 110, the servers 120 can be configured to retrieve the requested data from one or more databases (not shown). Based on receiving the requested data from the one or more databases, the servers 120 can be configured to transmit the received data to the client device 110, where the received data is responsive to the one or more requests.

[0030] The system 100 can include one or more networks 115. In some examples, the network 115 can be one or more of a wireless network, a wired network, or any combination thereof and can be configured to connect the client device 110 to the server 120. For example, the network 115 can include one or more of the following: a fiber optics network, a passive optical network, a cable network, the Internet, a satellite network, a wireless local area network (LAN), a Global System for Mobile Communications, a Personal Communications Service, a Personal Area Network, a Wireless Application Protocol, a Multimedia Messaging Service, an Enhanced Messaging Service, a Short Message Service, a time division multiplexed based system, a code division multiple access (CDMA) based system, D-AMPS, Wi-Fi, fixed wireless data, IEEE 802.11b, 802.15.1, 802.11n, and 802.11g, Bluetooth, NFC, radio-frequency identification (RFID), Wi-Fi, etc.

[0031] Additionally, the network 115 can include, but is not limited to: a telephone line, a fiber optics cable, an IEEE Ethernet 802.3 cable, a wide area network, a wireless personal area network, a LAN, or a global network such as the Internet. Additionally, the network 115 can support the Internet network, a wireless communication network, a cellular network, etc. or any combination thereof. The network 115 can further include one network, or any number of the example types of networks described above, operating as a stand-alone network or in cooperation with each other. The network 115 can utilize one or more protocols of the network elements to which they are communicatively coupled. The network 115 can translate to or from other protocols to one or more protocols of the network devices. While the network 115 is depicted as a single network, it should be understood that based on one or more examples, the network 115 can include a plurality of interconnected networks, such as the Internet, a service provider's network, a cable television network, a corporate network (such as a credit card association network), and a home network.

[0032] The system 100 can include one or more servers 120. In some examples, the server 120 can include one or more processors coupled to a memory. The server 120 can be configured as a central system, server, or platform to control and invoke various data at different times to perform a plurality of workflow actions. The server 120 can be configured to connect to one or more databases. The server 120 can connect to at least one client device 110.

[0033] Figure 1B An example sequence diagram for providing authenticated access is shown in accordance with one or more embodiments. The diagram can include a contactless card 105 and a client device 110, which can include an application 122 and a processor 124. Figure 1B Components in the system 100 can be referred to as similar components as shown in Figure 1A the system 100.

[0034] At step 102, the application 122 communicates with the contactless card 105 (e.g., after being carried into proximity of the contactless card 105). The communication between the application 122 and the contactless card 105 can include the contactless card 105 being brought close enough to a card reader (not shown) of the client device 110 to enable NFC data transfer between the application 122 and the contactless card 105.

[0035] At step 104, after communication has been established between the client device 110 and the contactless card 105, the contactless card 105 generates a message authentication code (MAC) cryptogram. In some examples, this can occur when the application 122 reads the contactless card 105. In particular, this can occur when reading (such as an NFC read) a near field data exchange (NDEF) tag, which can be created according to the NFC data exchange format.

[0036] For example, a reader such as the application 122 can transmit a message, such as an applet selection message, with an applet ID of the applet that produces NDEF. Upon confirmation of selection, a select file message can be sent followed by a sequence of read file messages. For example, the sequence can include "select function file," "read function file," and "select NDEF file." At this point, a counter value maintained by the contactless card 105 can be updated or incremented, which can be followed by "read NDEF file." At this point, a message can be generated that can include a header and a shared secret. A session key can then be generated. A MAC cryptogram can be created from the message, which can include the header and the shared secret. The MAC cryptogram can then be concatenated with one or more blocks of random data, which can then be encrypted with the session key. Thereafter, the cryptogram and the header can be concatenated and encoded as ASCII hexadecimal and returned in the NDEF message format (in response to the "read NDEF file" message).

[0037] In some examples, the MAC cryptogram can be transmitted as an NDEF tag, and in other examples, the MAC cryptogram can be included as a uniform resource indicator (e.g., as a formatted string).

[0038] In some examples, the application 122 can be configured to transmit a request to the contactless card 105 that includes instructions for generating the MAC cryptogram.

[0039] At step 106, the contactless card 105 sends the MAC password to the application 122. In some examples, the transmission of the MAC password occurs via NFC. However, the present disclosure is not so limited. In other examples, the communication can occur via Bluetooth, Wi-Fi, or other means of wireless data communication.

[0040] At step 108, the application 122 communicates the MAC password to the processor 124. At step 112, the processor 124 verifies the MAC password in accordance with instructions from the application 122. For example, as explained below, the MAC password can be verified.

[0041] In some examples, the operation of verifying the MAC password (as shown) can be performed by a device other than the client device 110, such as a server 120 in data communication with the client device 110. For example, the processor 124 can output the MAC password for transmission to the server 120, which can verify the MAC password. Figure 1A

[0042] In some examples, the MAC password can be used as a digital signature for the purposes of verification. Other digital signature algorithms, such as public key asymmetric algorithms (e.g., the Digital Signature Algorithm and the RSA algorithm) or zero-knowledge protocols, can be used to perform the verification.

[0043] It can be appreciated that, in some examples, the contactless card 105 can initiate the communication after the contactless card is brought into proximity with the client device 110. For example, the contactless card 105 can send a message to the client device 110 indicating, for example, that the contactless card has established communication. Thereafter, the application 122 of the client device 110 can continue the communication with the contactless card at step 102, as described above.

[0044] Figure 2 An example system 200 using a contactless card is shown. The system 200 can include a contactless card 205, one or more client devices 210, a network 215, servers 220, 225, one or more hardware security modules 230, and a database 235. While Figure 2 A single instance of a component is shown, but the system 200 can include any number of components.

[0045] The system 200 can include one or more contactless cards 205, which will be described below with respect to Figure 3A and Figure 3B ​Further explanation. In some embodiments, the contactless card 205 can be in wireless communication with the client device 210, such as NFC communication. For example, the contactless card 205 can include one or more chips, such as a radio frequency identification chip, configured to communicate via NFC or other short-range protocol. In other embodiments, the contactless card 205 can communicate with the client device 210 by other means, including but not limited to: Bluetooth, satellite, Wi-Fi, wired communication, and / or any combination of wireless and wired connections. According to some embodiments, the contactless card 205 can be configured to communicate with a card reader 213 (which can be referred to herein additionally as an NFC reader, an NFC card reader, or a reader) of the client device 210 through NFC when the contactless card 205 is within range of the card reader 213. In other examples, communication with the contactless card 205 can be achieved through a physical interface (e.g., a universal serial bus interface or a card swipe interface).

[0046] The system 200 can include a client device 210, which can be a network-enabled computer. As noted herein, a network-enabled computer can include, but is not limited to, a computer device, or a communication device including, for example, a server, a network appliance, a personal computer, a workstation, a mobile device, a telephone, a handheld PC, a personal digital assistant, a thin client, a thick client, an Internet browser, or other device. One or more client devices 210 can also be a mobile device, for example, the mobile device can include an iPhone, iPod, iPad from Apple, Inc. running Apple's iOS® operating system, any device running Microsoft's Windows® Mobile operating system, any device running Google's Android® operating system, and / or any other smartphone or similar wearable mobile device. In some examples, the client device 210 can be the same as or similar to the client device 110 described with reference to or In some examples, the client device 210 can be the same as or similar to the client device 110 described with reference to or In some examples, the client device 210 can be the same as or similar to the client device 110 described with reference to Figure 1A or Figure 1B In some examples, the client device 210 can be the same as or similar to the client device 110 described with reference to

[0047] The client device 210 can communicate with one or more servers 220 and 225 via one or more networks 215. The client device 210 can transmit one or more requests to the one or more servers 220 and 225, for example, from an application 211 executing on the client device 210. The one or more requests can be associated with retrieving data from the one or more servers 220 and 225. The servers 220 and 225 can receive the one or more requests from the client device 210. Based on the one or more requests from the client device 210, the one or more servers 220 and 225 can be configured to retrieve the requested data from one or more databases 235. Based on receiving the requested data from the one or more databases 235, the one or more servers 220 and 225 can be configured to transmit the received data to the server device 210, the received data being responsive to the one or more requests.

[0048] The system 200 can include hardware security modules (HSMs) 230. For example, one or more HSMs 230 can be configured to perform one or more cryptographic operations described herein. In some examples, the one or more HSMs 230 can be configured as a dedicated security device configured to perform one or more cryptographic operations. The HSMs 230 can be configured such that keys are never exposed outside the HSMs 230, but are kept within the HSMs 230. For example, the one or more HSMs 230 can be configured to perform at least one of key derivation, decryption, and MAC operations. The one or more HSMs 230 can be contained within the servers 220 and 225, or can be in data communication with the servers 220 and 225.

[0049] The system 200 can include one or more networks 215. In some examples, the network 215 can be one or more of a wireless network, a wired network, or any combination of wireless network and wired network, and can be configured to connect the client device 210 to the server 220 and / or 225. For example, the network 215 can include one or more of the following: a fiber optics network, a passive optical network, a cable network, a cellular network, the Internet network, a satellite network, a wireless LAN, a Global System for Mobile Communications, a Personal Communications Service, a Personal Area Network, a Wireless Application Protocol, a Multimedia Messaging Service, an Enhanced Messaging Service, a Short Message Service, a Time Division Multiplexing based system, a Code Division Multiple Access (CDMA) based system, D-AMPS, Wi-Fi, Fixed Wireless Data, IEEE 802.11b, 802.15.1, 802.11n and 802.11g, Bluetooth, NFC, RFID, Wi-Fi, and / or any combination of the networks thereof. As a non-limiting example, the communication from the contactless card 205 to the client device 210 can include NFC communication, cellular network between the client device 210 and a carrier, and the Internet between the carrier and the backend.

[0050] Additionally, the network 215 can include, but is not limited to, telephone lines, fiber optics, IEEE Ethernet 802.3, a wide area network, a wireless personal area network, a local area network, or a global network such as the Internet. Additionally, the network 215 can support the Internet network, a wireless communication network, a cellular network, and the like, or any combination thereof. The network 215 can further include one network, or any number of the above exemplary types of networks, operating as a stand-alone network or in cooperation with each other. The network 215 can utilize one or more protocols of one or more network elements to which they are communicatively coupled. The network 215 can translate to or from one or more protocols of the network devices. While the network 215 is depicted as a single network, it should be understood that the network 215 can include a plurality of interconnected networks, such as the Internet, a network of a service provider, a cable television network, a corporate network (such as a credit card association network), and a home network, in accordance with one or more examples.

[0051] In various examples in accordance with the present disclosure, the client device 210 of the system 200 can execute one or more applications 211 and include one or more processors 212 and one or more card readers 213. For example, the one or more applications 211, such as software applications, can be configured to enable, for example, the one or more applications 211 to communicate in network with one or more components of the system 200 and to transmit and / or receive data. It can be appreciated that while the one or more applications 211 are depicted as being executed on the client device 210, the one or more applications 211 can be executed on one or more other devices, such as the server 220 and / or 225, in accordance with one or more examples. Figure 2Only a single instance of the components of the client device 210 is shown, but any number of devices 210 can be used. The card reader 213 can be configured to read from and / or communicate with the contactless card 205. In conjunction with one or more applications 211, the card reader 213 can communicate with the contactless card 205. In examples, the card reader 213 can include circuitry or circuit components, such as an NFC reader coil, that generates a magnetic field to allow communication between the client device 210 and the contactless card 205.

[0052] The applications 211 of any client device 210 can communicate with the contactless card 205 using short-range wireless communication, such as NFC. The applications 211 can be configured to interface with the card reader 213 of the client device 210, which is configured to communicate with the contactless card 205. It should be noted that a distance of less than twenty centimeters is consistent with the range of NFC, as will be understood by those skilled in the art.

[0053] In some embodiments, the applications 211 communicate with the contactless card 205 through an associated reader, such as the card reader 213.

[0054] In some embodiments, card activation can occur without user authentication. For example, the contactless card 205 can communicate with the applications 211 through the card reader 213 of the client device 210 via NFC. This communication (e.g., a tap of the card against the card reader 213 of the client device 210) allows the applications 211 to read data associated with the card and perform activation. In some cases, the tap can activate or launch the applications 211, which then initiate one or more actions or communications with the account server 225 to activate the card for subsequent use. In some cases, if the applications 211 are not installed on the client device 210, a tap of the card against the card reader 213 can initiate a download of the applications 211 (e.g., navigation to an application download page). Upon installation, a tap of the card can activate or launch the applications 211, which then initiate (e.g., via the applications or other backend communication) activation of the card. Once activated, the card can be used for various transactions, including commercial transactions.

[0055] According to some embodiments, the contactless card 205 can include a virtual payment card. In those embodiments, the applications 211 can retrieve information associated with the contactless card 205 by accessing a digital wallet implemented on the client device 210, where the digital wallet includes the virtual payment card. In some examples, the virtual payment card data can include one or more static or dynamically generated virtual card numbers.

[0056] The server 220 can include a web server in communication with the database 235. The server 225 can include an account server. In some examples, the server 220 can be configured to verify one or more credentials from the contactless card 205 and / or the client device 210 by comparing the one or more credentials to one or more credentials in the database 235. The server 225 can be configured to authorize one or more requests, such as payments and transactions, from the contactless card 205 and / or the client device 210.

[0057] Figure 3A One or more contactless cards 300 are shown, which can include a payment card, such as a credit card, debit card, or gift card, issued by a service provider 305 displayed on the front or back of the card 300. In some examples, the contactless card 300 is not associated with a payment card, and can include, but is not limited to, an identification card. In some examples, the payment card can include a dual interface contactless payment card. The contactless payment card 300 can include a substrate 310, which can include a single layer or one or more laminates composed of plastic, metal, and other materials. Exemplary substrate materials include polyvinyl chloride, polyvinyl chloride acetate, acrylonitrile butadiene styrene, polycarbonate, polyesters, anodized titanium, palladium, gold, carbon, paper, and biodegradable materials. In some examples, the contactless card 300 can have physical characteristics that conform to the ID-1 format of the ISO / IEC 7810 standard, and the contactless card can otherwise conform to the ISO / IEC 14443 standard. However, it can be appreciated that the contactless card 300 according to the present disclosure can have different characteristics, and the present disclosure does not require that the contactless card be implemented in a payment card.

[0058] The contactless card 300 can also include identification information 315 displayed on the front and / or back of the card, and a contact patch 320. The contact patch 320 can be configured to establish contact with another communication device, such as a user device, smartphone, laptop, desktop, or tablet computer. The contactless card 300 can also include processing circuitry, antennas, and other components not shown in FIG. 3. These components can be located behind the contact patch 320 or elsewhere on the substrate 310. The contactless card 300 can also include a magnetic stripe or tape, which can be located on the back of the card (not shown in FIG. 3). Figure 3A Figure 3A

[0059] As shown in FIG. 4, the contactless card 300 can include a contact patch 320, which can be configured to establish contact with another communication device, such as a user device, smartphone, laptop, desktop, or tablet computer. The contactless card 300 can also include processing circuitry, antennas, and other components not shown in FIG. 4. These components can be located behind the contact patch 320 or elsewhere on the substrate 310. The contactless card 300 can also include a magnetic stripe or tape, which can be located on the back of the card (not shown in FIG. 4). Figure 3B Figure 3A ​​​The contact sheet 320 can include processing circuitry 325 for storing and processing information, including a microprocessor 330 and a memory 335. It can be appreciated that the processing circuitry 325 can contain additional components, including processors, memories, error and parity / CRC checkers, data encoders, anti-collision algorithms, controllers, command decoders, security primitives, and tamper-resistant hardware, as necessary to perform the functions described herein.

[0060] The memory 335 can be read-only memory, write-once read-many memory, or read / write memory, such as RAM, ROM, and EEPROM, and the contactless card 300 can include one or more of these memories. Read-only memory can be vendor programmable to be read-only or one-time programmable. One-time programmability provides the possibility of writing once and then reading many times. Write-once / read-many memory can be programmed at some point in time after the memory chip has been manufactured. Once the memory is programmed, it can not be rewritten, but it can be read many times. Read / write memory can be programmed and reprogrammed many times after manufacture. It can also be read many times.

[0061] The memory 335 can be configured to store one or more applets 340, one or more counters 345, and a customer identifier 350. The one or more applets 340 can include one or more software applications configured to execute on the one or more contactless cards, such as Java Card applets. However, it can be appreciated that the applets 340 are not limited to Java Card applets, but can be any software application operable on a contactless card or other device with limited memory. The one or more counters 345 can include a numeric counter sufficient to store an integer. The customer identifier 350 can include a unique alphanumeric identifier assigned to a user of the contactless card 300, and the identifier can distinguish the user of the contactless card from users of other contactless cards. In some examples, the customer identifier 350 can identify a customer and an account assigned to the customer, and can further identify a contactless card associated with the customer's account.

[0062] The processor and memory elements of the foregoing example embodiments are described with reference to the contact sheet, but the present disclosure is not so limited. It can be appreciated that these elements can be implemented external to the sheet 320 or completely separate therefrom, or as additional elements to the processor 330 and memory 335 elements located within the contact sheet 320.

[0063] In some examples, the contactless card 300 can include one or more antennas 355. The one or more antennas 355 can be placed within the contactless card 300 and around the processing circuitry 325 of the contact patch 320. For example, the one or more antennas 355 can be integral with the processing circuitry 325, and the one or more antennas 355 can be used with an external boost coil. As another example, the one or more antennas 355 can be external to the contact patch 320 and the processing circuitry 325.

[0064] In embodiments, the coil of the contactless card 300 can act as a secondary of an air core transformer. The terminal can communicate with the contactless card 300 by cutting power or amplitude modulation. The contactless card 300 can use the gap in the power connection of the contactless card to infer data transmitted from the terminal, which can be held functionally by one or more capacitors. The contactless card 300 can conduct return communication by switching a load on the coil of the contactless card or load modulation. Load modulation can be detected by interference in the coil of the terminal.

[0065] As explained above, the contactless card 300 can be built on a software platform that can operate on a smart card or other device with limited memory, such as a Java Card, and one or more applications or applets can be securely executed. In various mobile program-based use cases, an applet can be added to the contactless card to provide a one-time password (OTP) for multi-factor authentication (MFA). The applet can be configured to respond to one or more requests (e.g., a near field data exchange request) from a reader (e.g., a mobile NFC reader) and produce an NDEF message that includes an encrypted secure OTP encoded as an NDEF text tag.

[0066] Figure 4 An example one-touch authentication using a contactless card is shown in accordance with one or more embodiments. As shown, a mobile computing device 402 can be a user or client device (which can also be referred to as a user computing device), such as a smartphone, a wearable computer, and the like, that is configured to communicate with a contactless card 404. As described above, the mobile computing device 402 can include at least an NFC card reader that is configured to establish NFC communication with the contactless card 404 via an NFC reader coil. It can be appreciated that the contactless card 404 can be similar or identical to the contactless card 300 as described above.

[0067] In an example, a shopping application executing on the mobile computing device 402 can display a graphical user interface (GUI) module 406 to perform a one-touch authentication, an AP display, and in some embodiments, a one-touch payment. A notification 408 can instruct the user to tap the contactless card 404 to the mobile computing device 402 to authenticate to the shopping application. Further, in embodiments, a global positioning system (GPS) feature or graphic 410 can display the current location of the computing device 402 (e.g., Tysons Corner) and can further display the nearest one or more stores within a predefined area of the current location.

[0068] Upon the user tapping the contactless card 404 to the mobile computing device 402, the contactless card 404 can generate and transmit encrypted data to the computing device 404. Upon receipt, the one-touch GUI module 406 can transmit at least the encrypted data to an authentication server, which can decrypt the data using a private key stored in memory of the server and verify the data. The authentication server can then authenticate the user of the contactless card 404 and send its confirmation to the mobile computing device 402. Thereafter, the one-touch GUI module 406 can display a profile 412 and various other information related to the user.

[0069] As shown, the user profile 412 can display one or more of the following information: the user's name, the user's dietary restrictions (if any), various meal plans the user can be on (e.g., budget meal plan, protein-based meal plan), diets the user can be on (e.g., carb-free diet, fruit and vegetable diet), various user preferences (e.g., favorite snacks, favorite seasonal fruits, favorite proteins, etc.), previous user purchases (e.g., a list of products previously purchased within a predefined time period), a list of frequently purchased items, a preference for product ratings (e.g., whether the user only prefers products with a three-star rating and above), any linkable personal concierge systems (e.g., automated shopping assistance devices), and links for reviews (e.g., platforms that allow the user to give or provide reviews). It can be appreciated that each of the foregoing user-specific information can be interactively selectable by the user (directing the user to a separate GUI or page) and can allow the user to customize any relevant information.

[0070] In further examples, when shopping or detail examining at a store, the one-touch authentication can allow the user to quickly and efficiently open the shopping application with a single tap of the contactless card 404 and input one or more reviews of a product. In addition to the one-touch authentication, in some examples, the user can be able to perform a one-touch payment for a particular product.

[0071] For example, when the contactless card 404 is tapped to the mobile computing device 402, a merchant ID and a transaction ID can be transmitted to an authentication server. A virtual account number (VAN) generator can be used to generate virtual card data (e.g., a virtual card number, an expiration date, and / or a CVV) associated with the contactless card 404. The VAN generator can then transmit the virtual card data, the merchant ID, the transaction ID, and any user name and / or address corresponding to the user to one or more merchant servers (e.g., the one or more merchant servers can be associated with the store in which the user is currently shopping). The merchant servers can then use the data received from the VAN generator to process the transaction, e.g., by generating a transaction record in a transaction database using at least the received virtual card number, expiration date, CVV, etc. The transaction record can then further include the user name, billing address, shipping address, and an indication of each item and / or service purchased. The merchant servers can then transmit an order confirmation to the mobile computing device 404. Thus, for example, if the user picks out various items to purchase, but wishes to employ a one-tap payment to purchase the items (as opposed to paying for the items in a checkout line), the user can tap the contactless card 404, arrange for delivery of the items (either in-store or via a shopping application), and then leave the store.

[0072] Figure 5 Example NFC and RFID signals are shown in accordance with one or more embodiments. By way of example, various products can be stored and displayed along each side of a grocery store aisle. As shown, on one side of the aisle 502, various soup cans can be stored and displayed, such as soup cans 504, 506, 508, 510. On the other side of the aisle 502, various pasta-related items can be stored and displayed, such as pasta 534, 536, pasta sauce 538, 540. Information related to these products can be transmitted via signals emitted from one or more NFC and / or RFID tags or sensors.

[0073] In examples, tags or sensors can be located on the product itself, or can be disposed proximate or adjacent to the product, or both. As shown, an RFID tag 512 can be disposed on the soup cup 504. Optionally, an NFC tag 513 can be disposed on the soup cup 504, as indicated by the dashed outline. As will be further described below, one or more signals 514 from the RFID tag 512 (or NFC tag 513) can be detected by an RFID (or NFC) reader of a user computing device 550, such as a user mobile computing device (e.g., a smartphone, a wearable computer, a tablet, etc.). In some examples, one or more RFID or NFC tags can be placed or disposed proximate to the soup cup 504, such as RFID tag 516 and NFC tag 517, which can not only provide information for the soup cup 504, but also information for the soup cup 506 (or any other product that can be stored and displayed in proximity).

[0074] To increase the signal strength from the tags, a signal amplifier, such as amplifier 518, can be disposed adjacent to or coupled with any of the RFID tags 512, 516 and / or NFC tags 513, 517. By increasing the signal strength, one or more NFC or RFID signals from the sensors 512, 513, 516, 517 can be detected by computing devices that are further away, e.g., at the other end of the aisle 502.

[0075] As further shown, an NFC tag 520 can be disposed on the soup cup 506, and optionally, an RFID tag 521 can also be disposed thereon. Similar to the disposition of the RFID tag 516, NFC tag 517, and signal amplifier 518, the RFID tag 522, NFC tag 523, and signal amplifier 524 can also be disposed adjacent to the soup cup 506. One or more signals from the RFID tag 522 and NFC tag 523 can include not only information about the soup cup 506, but also information about the soup cup 508 (and other proximate products).

[0076] The soup cup 508 can be different from the soup cup 504 and soup cup 506, in that both an NFC tag 526 and an RFID tag 527 can be disposed thereon, as indicated by the solid lines. However, for the soup cup 510, both an NFC tag 531 and an RFID tag 532 can be optional, as indicated by the dashed lines. Further, signals from the RFID tag 528 and NFC 529 can include information about the soup cups 508 and 510 (or any other nearby products), and be amplified by the signal amplifier 530.

[0077] According to embodiments, one or more NFC tags, RFID tags, and / or signal amplifiers can be configured on the pasta side of the aisle 502 similar to the soup side of the aisle. As shown, pasta 534, 536 and sauce 538, 540 can be stored and displayed on the pasta side. At least in this regard, signals from NFC tags and / or RFID tags arranged on the pasta products can convey product-related information that can be detected by the user computing device 550.

[0078] Although Figure 5 While NFC and / or RFID tags arranged on and adjacent to products are shown, it can be appreciated that any suitable arrangement of tags is possible, e.g., tags can be arranged only on products, tags can be arranged only adjacent to products, so long as product-related information can be transmitted to the user computing device 550. Further, it can be appreciated that signal amplifiers can be configured in any suitable manner to enhance the reach and coverage of signals from NFC and / or RFID tags.

[0079] Figure 6 An example filtering process of product-related information based on a user profile is shown according to one or more embodiments. For ease of illustration, at least Figure 5 The products (e.g., soup, pasta, sauce) shown on each side of the aisle 502 will be described in Figure 6 The filtering process 600 will be described in the context of the products shown on the pasta side of the aisle 502.

[0080] As the user moves through or down the aisle 502, the user computing device 602 belonging to the user can detect many signals from NFC and / or RFID tags arranged on and / or adjacent to the products. In an example, an NFC reader configured in the user computing device 602 can detect all NFC signals from NFC tags. In a further example, an RFID reader configured in the user computing device 602 can detect all RFID signals from RFID tags. For example, the RFID reader can be a passive ultra-high frequency (UHF) RFID reader.

[0081] After receiving product-related information via the detected signal, the user computing device 602 can filter out any information that can not be relevant to the user. For example, the user shopping profile can indicate that the user can be allergic (or subject to dietary restrictions) to certain ingredients. If the soup cups 504, 506, and 508 contain those ingredients, the product-related information associated with the soup cups 504, 506, and 508 will not be displayed in the AR, as indicated by the crossed-out portions. In another example, the user shopping profile can indicate that the user is on a budget plan and is biased against spending more than a predetermined amount on certain items. If the soup cups 504, 506, and 508 exceed the designated amount, the product-related information corresponding to the soup cups 504, 506, and 508 will not be displayed in the AR. Relevance can be understood to refer to, or determined based on, the degree of close match of the product (or the related information) to various descriptions, indications, preferences, etc. specified in the user shopping profile. In an example, a degree of match can be determined, e.g., a threshold match - a predetermined or predefined degree of similarity can be considered as a match.

[0082] As shown, if the product determination is not irrelevant, such as the soup cup 510, the user computing device 602 can display information associated with the product in the AR, such as the information bubble 604. As will be further described below, the information bubble 604 can include in-store customer reviews for the soup cup 510, e.g., “goes well with grilled cheese sandwich,” “trade in for three for three dollars until the end of the month,” “delicious,” can include star-based reviews, e.g., “this is a four-star out of five-star,” etc.

[0083] In some cases, one or more criteria can have to be met in order to display product-related information. For example, the one or more criteria can include: a previously purchased product, a product related to a user-set meal plan, a product commensurate with a user dietary restriction, a product allowed under a diet that the user can be on, a product related to a user favorite snack, a product related to a user favorite seasonal fruit, a product related to a user favorite protein, a discounted product or various deals on products (which can be specified by the user), a product frequently purchased by the user, a product recommended by a personal shopper or system associated with the user, a product that meets a threshold product rating set by the user, etc. For example, the soup cup 510 can be a product that is commensurate with a user dietary restriction and has a five-star product rating, which meets a user-set threshold rating of four stars.

[0084] As further shown, a similar filtering process can be applied to the pasta side of aisle 502. For example, information related to pasta 536 and sauce 540 can be excluded from the AR display (as indicated by the crossed-out portion), as they can include ingredients that fall under one or more dietary restrictions, or in other examples, as they fall under a threshold product rating previously set by the user for pasta products. Pasta 534 and sauce 538 can be determined to be relevant, and thus, information bubbles 606 and 608 associated therewith, respectively, can be displayed in the AR. Similar to information bubble 604, information bubbles 606 and 608 can include in-store customer reviews and / or customer ratings. For example, information 608 can include a review stating that it is "perfect with angel hair pasta."

[0085] Further, an information bubble can be considered relevant when the information contained therein is at least related to a history or pattern of purchases or financial transactions made by the user via a contactless card that is unique to the user, or is based on the history or pattern. For example, if the user purchases Greek yogurt every time, then yogurt products can be relevant to the user. In another example, if it is determined that the user prefers to purchase discounted or store brand products based on the user's financial transactions, then discounted or store brand products can be more relevant than other brands. In a further example, the user can selectively view reviews and / or ratings of a product by scanning a barcode of the product.

[0086] Figure 7 Example information bubbles displayed in AR space 700 are shown in accordance with one or more embodiments. As described above, the information bubbles can include one or more types of information related to a product, such as a product identification number (e.g., a unique, searchable number), in-store customer reviews, in-store customer comments, in-store customer ratings, external customer reviews, external customer comments, external customer ratings, and other types of external information. In examples, the external information can be web-based information, which can include web reviews, product specifications, web ratings, visual presentations or images of various items or components within a product such that the items or components are visible in the AR outside of the product packaging, and the like. In some examples, the user computing device can retrieve or search for the external information after obtaining a name of the product, a product identification number, or any other information related to the product that is searchable on the internet.

[0087] As Figure 7 shown, four different information bubbles 702, 704, 706, and 708 can be displayed in the AR via a user computing device (not shown). It can be appreciated that Figure 7is content that a user can see on a display screen of a user computing device. The information bubble can provide information stored for one or more of the various products on the "chips and snacks" side of the aisle 702, which can include chips 710, 712, 714, 722, dip 716, popcorn 718, crackers 720, and so on.

[0088] In an example, an information bubble 702 can be displayed adjacent to the chips 710, which can be an externally retrieved review and recites "for opening bag was retrieved." According to embodiments, negative reviews, comments, or information can be color coded, for example, in red. Thus, some or all of the information bubble 702 can be red to indicate that the information contained in the bubble is negative.

[0089] Positive reviews, comments, or information can also be color coded, for example, in green. For example, an information bubble 704 can be positioned adjacent to the dip 716 in the AR, and can be an in-store comment or review (provided by a store or in-store customer) that recites "on sale $." Thus, some or all of the information bubble 704 can be green to indicate positive information. It can be appreciated that content that can be negative or positive can be relative and / or specific to a user, for example, content that is positive for one user can be negative for a different user.

[0090] As further shown in FIG. 7, Figure 7 The information bubble 706 can be positioned adjacent to the popcorn 718, which is an in-store customer comment or review that recites "could be better," in the AR, in an example. If there are multiple reviews for the same product, for example, popcorn 718, the user computing device can rank each review based on the specific preferences of the user. If popcorn is a product that the user always purchases, a review that includes a suggestion for an alternative, for example, a review that can recite "other popular popcorn brands are better," would be ranked higher. Again, since the information contained in the bubble 706 is negative, some or all of the bubble can be color coded in red.

[0091] Further, an information bubble 708 can be displayed or positioned adjacent to the crackers 720 in the AR, and can be an external web review that indicates that the farm flavor is the best tasting. Similar to the bubble 704, the information bubble 708 can be color coded in green, since it contains positive information.

[0092] Figure 8An example flowchart 800 according to one or more embodiments is shown. It can be appreciated that the features associated with the blocks shown can be performed or carried out by one or more computing devices, such as a mobile computing device and / or processing circuitry contained therein. Further, it can be appreciated that the blocks in flowchart 800 are not limited to any particular order and one or more blocks can be performed or carried out concurrently.

[0093] At block 802, a user can be authenticated to a shopping application via a contactless card, e.g., tapping the contactless card to the user's mobile computing device. Upon authentication, the mobile computing device can retrieve, access, and / or load the user's personal profile. As described above, the personal profile can indicate various types of information about the user and the user's preferences, e.g., dietary restrictions, preferred meal plans, diets, favorites, previous purchases, frequent purchases, product rating preferences, personal shopping assistant settings, given reviews, etc. Further, financial transaction data and transaction history associated with the contactless card can be provided as part of the user's profile.

[0094] At block 804, the mobile computing device can determine whether one or more RFID and / or NFC signals are detected. If so, product information from the detected RFID and / or NFC signals is received. As set forth above, RFID and / or NFC tags can be disposed on the product itself and / or proximate to the product. Signal amplifiers can be disposed along the aisle in order to amplify the signals from the RFID and / or NFC tags.

[0095] At block 806, it is determined whether there are any in-store customer reviews and / or comments corresponding to the detected product. In-store customer reviews can be provided by customers shopping at the store and can relate to the product in any manner, e.g., whether the product is on sale, whether the product tastes good, what the product pairs well with when cooking, etc. It can be appreciated that external reviews, such as online reviews by online customers, can also be obtained that relate to the detected product.

[0096] At block 808, the mobile computing device can determine which of the in-store reviews and / or comments (or external reviews) are relevant to the user based on the user profile. If the reviews and / or comments are not relevant to the user in any manner, they are filtered out and not displayed to the user. In some examples, the relevance can be determined based on a relevance score, e.g., a percentage score. For example, if the reviews and / or comments mention a certain relevant product, but are not actually about that product, those reviews and / or comments can still be displayed even though they do not hit the mark. Advantageously, the user financial transaction data and history associated with the contactless card can also be used to determine relevance. By way of example, if it is learned that the user always purchases a dozen eggs every time they go shopping, then eggs will always be considered a relevant product.

[0097] At block 810, profile-related comments and / or reviews can be displayed to the user in AR as an information bubble that can be arranged adjacent to or in close proximity to the relevant product. For example, the information bubble can appear stationary from the user's perspective even as the user moves around the object. Moreover, as described above, the user can selectively choose which products to focus on, such as by scanning a barcode of a product.

[0098] The components and features of the device described above can be implemented using any combination of discrete circuitry, application specific integrated circuits (ASICs), logic gates and / or single chip architectures. Further, the features of the device can be implemented using microcontrollers, programmable logic arrays and / or microprocessors, or any combination thereof, as would be known to one of ordinary skill in the art for that device. It will be

[0099] The at least one computer-readable storage medium can include instructions that, when executed, cause a system to perform any of the computer-implemented methods described herein.

[0100] Some embodiments can be described using the expression "one embodiment" or "an embodiment" along with their derivatives. These terms mean that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment. The appearances of the phrase "in one embodiment" in various places in the specification are not necessarily all referring to the same embodiment.

[0101] The detailed description set forth above in connection with the appended drawings is intended as a description of various configurations and is not intended to represent the only configurations in which the concepts described herein can be practiced. The detailed description includes specific details for the purpose of providing a thorough understanding of various concepts. However, it will be apparent to those skilled in the art that these concepts can be practiced without

[0102] The processes outlined herein are intended to result in a self-consistent sequence of operations, resulting in a desired result. These operations are those requiring physical manipulations of physical quantities. Usually, though not necessarily, these quantities take the form of electrical, magnetic or optical signals capable of being stored, transferred, combined, compared, and otherwise manipulated. It is

[0103] Furthermore, manipulations performed are often referred to in terms such as adding or comparing, which are typically associated with mental operations performed by a human operator. No such capability of a human operator is necessary, or desired, for any of the operations described herein that form part of one or more embodiments. Rather, the operations are machine operations.

[0104] Some embodiments can be described using the expression "coupled" and "connected" along with their derivatives. These terms are not necessarily intended as synonyms for each other. For example, some embodiments can be described using the terms "connected" and / or "coupled" to indicate that two or more elements are in direct physical or electrical contact with each other. The term "coupled," however, can also mean that two or more elements are not in direct contact with each other, but yet still co-operate or interact with each other.

[0105] Various embodiments also relate to apparatus or systems for performing these operations. This apparatus can be specially constructed for the required purposes, and can be selectively activated or reconfigured by a computer program stored in the computer. The processes presented herein are not inherently related to a particular computer or other apparatus.

[0106] It is to be emphasized that the Abstract of the Disclosure provided herein is to allow a quick determination of the gist of the technical disclosure. The submission of the Abstract is based on the understanding that the Abstract will not be used to interpret or limit the scope or the meaning of the claims. In addition, in the foregoing Detailed Description, it can be seen that various features are grouped together in single embodiments for the purpose of streamlining the disclosure. This method of disclosure is not to be interpreted as reflecting an intention that the claimed embodiments require more features than the claims do. Rather, as reflected in the following claims, inventive subject matter lies in fewer than all features of a single disclosed embodiment. Thus, the following claims are hereby incorporated into the Detailed Description, with each claim standing on its own as a separate embodiment. In the claims, the terms "including" and "comprising" are used as open-ended synonyms of the terms "including" and "comprising". Furthermore, the terms "first", "second", "third", etc. are used merely as labels, and are not intended to impose numerical requirements on their objects.

[0107] What has been described above includes examples of the disclosed architecture. It is, of course, not possible to describe every conceivable combination of components and / or methodologies, but one of ordinary skill in the art can recognize that many further combinations and permutations of the disclosed architecture are possible. Accordingly, the novel architecture is intended to embrace all such alterations, modifications, and variations that fall within the spirit and scope of the appended claims.

Claims

1. A method comprising: The computing device receives encrypted authentication data from the user's contactless card; The device transmits a single-touch authentication request, including the encrypted authentication data, to the authentication server to authenticate the user based on the encrypted authentication data; The device receives a touch authentication confirmation, which instructs the authentication server to decrypt the encrypted authentication data to authenticate the user; The device accesses a personal profile associated with the user, at least in part, based on the one-touch authentication confirmation, wherein the personal profile is associated with the contactless card; The device receives one or more product identification numbers from one or more labels in the store; Based on the received product identification number, the device receives product information associated with multiple products from the one or more tags, wherein the product information includes in-store customer reviews and / or feedback corresponding to the multiple products; The device determines product information related to the user corresponding to the product identifier number, in order to generate relevant product information; The device generates multiple filtered products by filtering the first product among the multiple products based on the determination that the first product is irrelevant to the user; The device launches an application, including an augmented reality (AR) graphical user interface (GUI), based on the single-touch authentication confirmation; and The application uses an AR GUI to overlay relevant product information of the filtered products onto the adjacent products.

2. The method according to claim 1, further comprising: The device detects one or more signals from one or more tags in the store, wherein the tags include radio frequency identification (RFID) tags or near field communication (NFC) tags, and wherein the signals are detected by an RFID reader or an NFC reader.

3. The method according to claim 1, further comprising: The device receives, at least in part, network-based information corresponding to the plurality of products based on the product information, wherein the network-based information includes: (i) images of items in each of the plurality of products, such that the items are visible on the exterior of the packaging of each product; (ii) network reviews; (iii) specification sheets; and (iv) network ratings; and The application displays the network-based information in an AR GUI as adjacent to multiple filtered products.

4. The method according to claim 1, wherein, The one or more relevant in-store customer reviews and / or reviews are: in-store customer reviews and / or reviews corresponding to multiple products that meet the following criteria: (i) previously purchased products, (ii) products related to the user's set meal plan, (iii) products that are commensurate with the user's dietary restrictions, (iv) products that are permitted under the user's ongoing diet, (v) products related to the user's favorite snacks, (vi) products related to the user's favorite seasonal fruits, (vii) products related to the user's favorite protein, (viii) discounted or special-offer products designated by the user, (ix) products related to products that the user frequently purchases, (x) products recommended by the personal sales associate system associated with the user, and (xi) products that meet the threshold product rating set by the user.

5. The method according to claim 1, wherein, Determining the relevant product information includes: (i) analyzing past financial transactions made by the user at the store via the contactless card; (ii) determining one or more shopping patterns and one or more budget-related preferences in the analyzed financial transactions, and whether the one or more shopping patterns and the one or more budget-related preferences are related to any of the plurality of products having the product information; and (iii) determining whether there is a predetermined price not exceeded for a particular item, and for each of the plurality of products, determining whether the product is related to the particular item and whether the product exceeds the predetermined price.

6. The method according to claim 1, wherein, The encrypted authentication data is generated by the contactless card based at least in part on a private key and counter value for the contactless card stored in the memory of the contactless card, and the method further includes: The encrypted authentication data is transmitted to an authentication server, which verifies the encrypted authentication data by decrypting it at least in part based on a private key and a counter value for the contactless card stored in the authentication server's memory. Virtual accounts are generated by the virtual account server based on the verification of the encrypted authentication data; The virtual account server transmits the merchant identifier, the transaction identifier, the virtual account, the validity period associated with the virtual account, and the card verification value (CVV) associated with the virtual account to the merchant server associated with the merchant; and The merchant server processes the transaction using the transaction identifier, the virtual account, the expiration date, and the CVV.

7. The method according to claim 1, wherein, The overlaid product information is color-coded with a first color to indicate a first type of information, and with a second color different from the first color to indicate a second type of information different from the first type of information, wherein the first type of information indicates that the one or more relevant in-store customer reviews and / or feedback are positive, and the second type of information indicates that the one or more relevant in-store customer reviews and / or feedback are negative, wherein user authentication via the contactless card automatically logs the user into the application and allows the user to enter feedback on the multiple products via the application.

8. The method according to claim 1, wherein, The product information also includes: (i) external reviews or comments related to the plurality of products, (ii) customer ratings of the plurality of products, (iii) safety-related information related to the plurality of products, and (iv) images of the contents contained inside the packaging of the plurality of products.

9. The method according to claim 1, wherein, The personal profile includes: (i) the user's dietary restrictions, (ii) the user's set meal plan, (iii) the user's current diet, (iv) favorite snacks, (v) favorite seasonal fruits, (vii) budget plan, (viii) a list of products purchased during a predetermined time period, (ix) favorite protein, (x) preference for specific discounted products, (xi) a list of frequently purchased products, (xii) a personal shopping assistant system linked by the user, and (xiii) product rating preferences set by the user.

10. A non-transitory computer-readable storage medium, the computer-readable storage medium comprising instructions that, when executed by a processor, cause the processor to: Receive encrypted authentication data from the user's contactless card; A one-touch authentication request, including the encrypted authentication data, is sent to the authentication server to authenticate the user based on the encrypted authentication data; The user receives a touch authentication confirmation from the authentication server, which instructs the authentication server to decrypt the encrypted authentication data to authenticate the user. Access to a personal profile associated with the user, at least in part, based on the one-touch authentication confirmation, wherein the personal profile is associated with the contactless card; Receive one or more product identification numbers from one or more labels in the store; Based on the received product identification number, receive product information associated with multiple products from the one or more tags, wherein the product information includes in-store customer reviews and / or feedback corresponding to the multiple products; Determine the product information corresponding to the product identifier number related to the user, so as to generate relevant product information; The filtered products are generated by filtering the first product among the multiple products based on the determination that the first product is irrelevant to the user. The application, including the augmented reality (AR) graphical user interface (GUI), is launched based on the aforementioned one-touch authentication confirmation; and The application uses an AR GUI to overlay relevant product information of the filtered products onto the adjacent products.

11. The computer-readable storage medium of claim 10, wherein the instructions further cause the processor to: Detect one or more signals from one or more tags in the store, wherein the tags include radio frequency identification (RFID) tags or near field communication (NFC) tags, wherein the signals are detected by an RFID reader or an NFC reader.

12. The computer-readable storage medium of claim 10, wherein the instructions further cause the processor to: At least in part, network-based information corresponding to the plurality of products is received based on the product information, wherein the network-based information includes: (i) images of items in each of the plurality of products, such that the items are visible on the exterior of the packaging of each product; (ii) online reviews; (iii) specification sheets; and (iv) online ratings; and The application displays the network-based information in an AR GUI as adjacent to multiple filtered products.

13. The computer-readable storage medium according to claim 10, wherein, The in-store customer reviews and / or reviews associated with one or more profiles are: in-store customer reviews and / or reviews corresponding to multiple products that meet the following criteria: (i) previously purchased products, (ii) products related to the user's set meal plan, (iii) products that are compatible with the user's dietary restrictions, (iv) products that are permitted under the user's ongoing diet, (v) products related to the user's favorite snacks, (vi) products related to the user's favorite seasonal fruits, (vii) products related to the user's favorite protein, (viii) discounted or special-offer products designated by the user, (ix) products related to products that the user frequently purchases, (x) products recommended by the personal sales associate system associated with the user, and (xi) products that meet the threshold product rating set by the user.

14. The computer-readable storage medium according to claim 10, wherein, Determining the relevant product information includes: (i) analyzing past financial transactions made by the user at the store via the contactless card; (ii) determining one or more shopping patterns and one or more budget-related preferences in the analyzed financial transactions, and whether the one or more shopping patterns and the one or more budget-related preferences are related to any of the plurality of products having the product information; and (iii) determining whether there is a predetermined price that has not been exceeded for a particular item, and for each of the plurality of products, determining whether the product is related to the particular item and whether the product exceeds the predetermined price.

15. The computer-readable storage medium according to claim 10, wherein, The overlaid product information is color-coded with a first color to indicate a first type of information, and with a second color different from the first color to indicate a second type of information different from the first type of information, wherein the first type of information indicates that the one or more relevant in-store customer reviews and / or feedback are positive, and the second type of information indicates that the one or more relevant in-store customer reviews and / or feedback are negative, wherein user authentication via the contactless card automatically logs the user into the application and allows the user to enter feedback on the multiple products via the application.

16. A computing device, comprising: processor; and A memory storing instructions that, when executed by the processor, cause the processor to: Receive encrypted authentication data from the user's contactless card; A one-touch authentication request, including the encrypted authentication data, is sent to the authentication server to authenticate the user based on the encrypted authentication data; Receive a touch authentication confirmation from the authentication server, specifying the authentication server to decrypt the encrypted authentication data to authenticate the user; Access to a personal profile associated with the user, at least in part, based on the one-touch authentication confirmation, wherein the personal profile is associated with the contactless card; Receive one or more product identification numbers from one or more labels in the store; Based on the received product identification number, receive product information associated with multiple products from the one or more tags, wherein the product information includes in-store customer reviews and / or feedback corresponding to the multiple products; Determine the product information corresponding to the product identifier related to the user, so as to generate relevant product information; By filtering the first product among the multiple products, and based on the determination that the first product is irrelevant to the user, multiple filtered products are generated. The application, including the augmented reality (AR) graphical user interface (GUI), is launched based on the aforementioned one-touch authentication confirmation; and The application uses an AR GUI to overlay relevant product information of the filtered products onto the adjacent products.

17. The computing device of claim 16, wherein the instructions further cause the processor to: Detect one or more signals from one or more tags in the store, wherein the tags include radio frequency identification (RFID) tags or near field communication (NFC) tags, wherein the signals are detected by an RFID reader or an NFC reader.

18. The computing device of claim 16, wherein the instructions further cause the processor to: At least in part, network-based information corresponding to the plurality of products is received based on the product information, wherein the network-based information includes: (i) images of items in each of the plurality of products, such that the items are visible on the exterior of the packaging of each product; (ii) online reviews; (iii) specification sheets; and (iv) online ratings; and The application displays the network-based information in an AR GUI as adjacent to multiple filtered products.

19. The computing device according to claim 16, wherein, The one or more relevant in-store customer reviews and / or reviews are: in-store customer reviews and / or reviews corresponding to multiple products that meet the following criteria: (i) previously purchased products, (ii) products related to the user's set meal plan, (iii) products that are commensurate with the user's dietary restrictions, (iv) products that are permitted under the user's ongoing diet, (v) products related to the user's favorite snacks, (vi) products related to the user's favorite seasonal fruits, (vii) products related to the user's favorite protein, (viii) discounted or special-offer products designated by the user, (ix) products related to products that the user frequently purchases, (x) products recommended by the personal sales associate system associated with the user, and (xi) products that meet the threshold product rating set by the user.

20. The computing device according to claim 16, wherein, Determining the relevant product information includes: (i) analyzing past financial transactions made by the user at the store via the contactless card; (ii) determining one or more shopping patterns and one or more budget-related preferences in the analyzed financial transactions, and whether the one or more shopping patterns and the one or more budget-related preferences are related to any of the plurality of products having the product information; and (iii) determining whether there is a predetermined price that has not been exceeded for a particular item, and for each of the plurality of products, determining whether the product is related to the particular item and whether the product exceeds the predetermined price.

Images