Patent ID: 11861645
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A computer-implemented method, comprising:
receiving, by a system and from a computing device, biometric data comprising one or more biometric characteristics of a user, the biometric data detected by one or more biometric devices of a transaction card;
applying, by the system, a model to the biometric data and transaction data associated with a transaction to determine an emotional state of the user, the emotional state of the user comprising one of a positive emotional state or a negative emotional state, and the model trained on historical biometric data and historical transaction data associated with previous transactions and biometric characteristics of a plurality of users;
determining, by the system, an action associated for the transaction based on the emotional state of the user during performance of the transaction, wherein the action comprises at least one of an enablement operation to cause the performance of the transaction, a confirmation operation to request the user to confirm the transaction via the computing device, and an incentive operation to provide an incentive to the user via the computing device for the transaction; and
causing, by the system, the performance of the transaction, communication of the confirmation operation, performance of the incentive operation, or a combination thereof.