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

Claim 0:
1. A system, comprising:
a memory to store instructions; and
processing circuitry, coupled with the memory, operable to execute the instructions, that when executed, cause the processing circuitry to:
receive, from a computing device, biometric data comprising one or more biometric characteristics of a user detected by one or more biometric devices of a transaction card being used to complete a transaction;
apply a model to the biometric data and transaction data associated with the transaction to determine an emotional state of the user, the emotional state of the user comprises 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;
determine 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
cause the performance of the transaction, communication of the confirmation operation, performance of the incentive operation, or a combination thereof.