Capital One Services, LLC.

United States of America

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G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists 1,215
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G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards 819
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1.

SERVICE LEVEL AGREEMENT MANAGEMENT AND BREACH DETECTION

      
Application Number 17935794
Status Pending
Filing Date 2022-09-27
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Mekala, Sridhar Reddy
  • Rosenbaum, Matthew

Abstract

In some implementations, a system may identify a set of data processing jobs to track for SLA compliance. The system may trigger a step function for each data processing job tracked for SLA compliance, wherein the step function associated with each data processing job includes a wait time based on a time when an SLA associated with the respective data processing job must be satisfied. The system may determine whether information indicating a success state for each data processing job is available in a storage location. The system may send one or more messages for one or more data processing jobs in the set of data processing jobs that are associated with an SLA breach, wherein the one or more data processing jobs are identified based on determining that information indicating the success state for the one or more data processing jobs is not present in the storage location.

IPC Classes  ?

  • G06Q 30/00 - Commerce
  • G06F 16/25 - Integrating or interfacing systems involving database management systems
  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

2.

IDENTIFYING WEB ELEMENTS BASED ON USER BROWSING ACTIVITY AND MACHINE LEARNING

      
Application Number 18535066
Status Pending
Filing Date 2023-12-11
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Walters, Austin
  • Goodsitt, Jeremy
  • Pham, Vincent
  • Watson, Mark
  • Taghi Abad, Fardin Abdi
  • Farivar, Reza
  • Truong, Anh
  • Taylor, Kenneth

Abstract

A computer-implemented method includes tracking, by a computing device, user browsing activity of a first page having known elements; mapping, by the computing device, the user browsing activity to the known elements; storing, by the computing device, mapping information that maps the user browsing activity to the known elements; tracking, by the computing device, user browsing activity of a second page having unknown elements; identifying, by the computing device, the unknown elements based on the mapping information and the user browsing activity of the second page; and executing, by the computing device, one or more computer-based instructions based on the determining the unknown elements that were identified.

IPC Classes  ?

  • G06F 16/951 - Indexing; Web crawling techniques
  • G06F 11/34 - Recording or statistical evaluation of computer activity, e.g. of down time, of input/output operation
  • G06N 3/08 - Learning methods
  • G06N 20/00 - Machine learning

3.

SHARING A BIOMETRIC TOKEN ACROSS PLATFORMS AND DEVICES FOR AUTHENTICATION

      
Application Number 17934269
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Ricchuiti, Andrew
  • Dunlap, James
  • Gupta, Mayur

Abstract

In some implementations, a device may obtain the biometric token associated with an account via a registration procedure associated with a first platform that is associated with a host. The server device may store an indication of the biometric token in a database. The server device may receive a login request associated with the account for a second platform that is associated with the host. The server device may identify that biometric authentication is enabled for the account based on the indication of the biometric token being stored in the database. The server device may provide an authentication challenge associated with the biometric token. The server device may receive a response to the authentication challenge indicating whether the authentication device has authenticated biometric information associated with a user based on the biometric token. The server device may authenticate the login request for the second platform based on the response.

IPC Classes  ?

4.

PRESENTATION AND CONTROL OF USER INTERACTIONS WITH A TIME-DEPENDENT USER INTERFACE ELEMENT

      
Application Number 18533650
Status Pending
Filing Date 2023-12-08
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • De Leon, Erik Jay Salazar
  • Dohan, Ii, Thomas
  • Hollins, Charles Richard
  • Wilkens, Jennifer
  • Berger, Albert
  • Heiner, John

Abstract

In some implementations, a user device may present, on a user interface (UI) associated with a user account, a first UI element. The user device may detect a user interaction, with the user device, indicating the first UI element. The user device may present, on the UI and based on the user interaction, a second UI element, which increases in length in a first direction from a start point, along a closed path around the first UI element and ending at the start point, while the user interaction is being detected. The second UI element completes the closed path when an interaction duration satisfies a duration threshold, which indicates a confirmation of a request for an action associated with the user account. The duration threshold is based on one or more parameters associated with one or more of the action, the user account, or the user interaction.

IPC Classes  ?

  • G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
  • G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance
  • G06F 3/04883 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures for inputting data by handwriting, e.g. gesture or text

5.

TRANSPARENT TRANSACTION CARD

      
Application Number 17954785
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Osborn, Kevin
  • Maiman, Tyler
  • Yee, Bryant

Abstract

A transaction card is provided. The transaction card can include a luminous layer having a sensitive information component. The sensitive information component includes personal account data and can be selectively illuminated by a light source by refracting light emitted by the light source. A switch and power source are provided to selectively energize the light source.

IPC Classes  ?

  • G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier

6.

TRANSACTION CARD WITH MULTIPLE ORIENTATIONS

      
Application Number 17934783
Status Pending
Filing Date 2022-09-23
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Yee, Bryant
  • Maiman, Tyler
  • Edwards, Joshua

Abstract

In some implementations, a transaction card may include a card body having a first surface and a second surface opposite the first surface. The transaction card may include an integrated circuit (IC) chip embedded in the card body, and a plurality of first electrical contact sets electrically accessible from the first surface of the card body, where the plurality of first electrical contact sets have electrical connections to the IC chip. The transaction card may include a plurality of first magnetic stripe areas readable from the first surface of the card body. The transaction card may include a plurality of second electrical contact sets electrically accessible from the second surface of the card body, where the plurality of second electrical contact sets have electrical connections to the IC chip. The transaction card may include a plurality of second magnetic stripe areas readable from the second surface of the card body.

IPC Classes  ?

  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
  • G06K 19/08 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code using markings of different kinds in the same record carrier, e.g. one marking being sensed by optical and the other by magnetic means

7.

FRAUD DETECTION BASED ON AN ANALYSIS OF MESSAGES IN A MESSAGING ACCOUNT

      
Application Number 18527789
Status Pending
Filing Date 2023-12-04
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Mossoba, Michael
  • Edwards, Joshua
  • Benkreira, Abdelkadar M’hamed

Abstract

A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/04 - Payment circuits
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • G06Q 30/06 - Buying, selling or leasing transactions
  • H04L 9/40 - Network security protocols

8.

SYSTEMS AND METHODS FOR FACILITATING CANDIDATE INTERVIEWS

      
Application Number 18528895
Status Pending
Filing Date 2023-12-05
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Truong, Anh
  • Key, Kate
  • Rafferty, Galen
  • Farivar, Reza
  • Pham, Vincent
  • Walters, Austin
  • Watson, Mark

Abstract

A system for determining candidate answers during an interview. The system may include a memory storing executable instructions, and at least one processor configured to execute the instructions to perform operations. The operations may include capturing, by an image sensor, a plurality of images comprising a plurality of candidate answers; detecting, based on the captured images, a first bounding box comprising the plurality of the candidate answers; detecting, based on the captured images, a second bounding box comprising a plurality of alphanumeric characters, a first one of the alphanumeric characters being located on a line of software code; calculating a distance from a side of a first bounding box to a side of a second bounding box; and determining, based on the calculated distance, a source code alignment.

IPC Classes  ?

  • G06Q 10/105 - Human resources
  • G06F 11/36 - Preventing errors by testing or debugging of software
  • G06V 30/148 - Segmentation of character regions
  • G06V 30/414 - Extracting the geometrical structure, e.g. layout tree; Block segmentation, e.g. bounding boxes for graphics or text

9.

MACHINE LEARNING FOR COMPUTER SECURITY POLICY MODIFICATION

      
Application Number 17935467
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Shyamala, Geeta
  • Adcock, Lee
  • Pham, Vincent
  • Farhady Ghalaty, Nahid

Abstract

In some aspects, a computing system may use a machine learning model to determine whether a computer security policy should be modified to reduce the likelihood of a cyber security incident. Through the use of a machine learning model, unsafe combinations of access grants or permissions may be identified and modified to prevent cyber security incidents from occurring. The computing system may input a representation of a computer security policy into a machine learning model, which has been trained on a dataset that includes representations of computer security policies. The computing system may generate output indicating a likelihood that the first computing system will be involved in a cyber security incident. Based on the output satisfying a first threshold, the computing system may generate a recommendation to modify the first computer security policy. The computing system may modify the first computer security policy based on the recommendation.

IPC Classes  ?

10.

LIVE CAPTION FEEDBACK SYSTEMS AND METHODS

      
Application Number 18527592
Status Pending
Filing Date 2023-12-04
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Rafferty, Galen
  • Walters, Austin
  • Goodsitt, Jeremy Edward
  • Pham, Vincent
  • Watson, Mark
  • Farivar, Reza
  • Truong, Anh

Abstract

System and devices for live captioning events is disclosed. The system may receive event calendar data and a first plurality of caption files and preselect a first caption file based on the event calendar data. The system may then access an audiovisual recorder of a user device, and receive a first feedback from the recorder. The system may then determine whether the first caption file matches the first feedback. When there is a match, the system may determine a first synchronization between the caption file and the feedback. When there is no match, the system may determine if there is a match with a second caption file of the first plurality of caption files and determine a second synchronization. When the second caption file does not match, the system may receive at least a third caption file over a mobile network and determine a third synchronization for display.

IPC Classes  ?

  • H04N 21/488 - Data services, e.g. news ticker
  • H04N 21/2187 - Live feed
  • H04N 21/43 - Processing of content or additional data, e.g. demultiplexing additional data from a digital video stream; Elementary client operations, e.g. monitoring of home network or synchronizing decoder's clock; Client middleware

11.

SYSTEMS AND METHODS FOR PROVIDING A SEPARATE INTEREST RATE FOR AN INDIVIDUAL TRANSACTION

      
Application Number 18527583
Status Pending
Filing Date 2023-12-04
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Apelt, Marcie
  • Edds, Megan
  • Barron, Keith
  • Gibbs, Ashley
  • Vischulis, Matthew
  • Ashby, Carl
  • Hu, Baining
  • Liu, Yi
  • Schardt, David

Abstract

Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

12.

SYSTEM AND METHOD ENABLING MOBILE NEAR-FIELD COMMUNICATION TO UPDATE DISPLAY ON A PAYMENT CARD

      
Application Number 18481439
Status Pending
Filing Date 2023-10-05
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Rule, Jeffrey
  • Hart, Colin
  • Osborn, Kevin
  • Ilincic, Rajko

Abstract

Disclosed are a system and methods enabling updating of a card number of a payment card and thereby reissuing the payment card utilizing a reissue application associated with the payment card. The reissue application, when executed communicates with a service provider that manages the payment card. The payment card includes processing circuitry and a rewriteable visual display. Using cryptographic techniques, the reissue application and payment card are authenticated to the service provider. Upon verification, an updated card number is obtained and provided via near-field communication to the payment card. In response to the update payment card number received from the reissue application, the rewriteable visual display on the payment card is updated with the updated card number. Other information may also be presented on the rewriteable visual display of the payment card based on user preferences.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

13.

Customized Navigation Flow

      
Application Number 18530494
Status Pending
Filing Date 2023-12-06
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor Joshy, Rendheer

Abstract

Methods and systems as described herein may enable customized navigation flow for websites/applications. Navigation flows (e.g., the pages, user interfaces, views, etc. that are displayed to a user) may be customized for each user. Navigation parameters may be generated for a user and may indicate a customized navigation flow for the user. The navigation parameters may indicate one or more pages of a website/application and an order that each of the one or more pages should be displayed to the user. The navigation parameters may indicate a trigger for each page. A trigger may indicate an action and/or event that causes a change in display to the next page in the navigation flow. Navigation parameters may be shared between devices, which may enable the user to experience the same navigation flow across multiple websites/applications.

IPC Classes  ?

  • G06F 16/954 - Navigation, e.g. using categorised browsing
  • G06F 16/957 - Browsing optimisation, e.g. caching or content distillation
  • G06F 16/958 - Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking

14.

WEBSITE VERIFICATION PLATFORM

      
Application Number 18532008
Status Pending
Filing Date 2023-12-07
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Benkreira, Abdelkadar M’hamed
  • Mossoba, Michael

Abstract

A device may provide a verification indicator to a device associated with a website. The verification indicator may be associated with verifying access to the website. The device may detect that the verification indicator has been associated with code associated with the website based on processing the code. The device may provide a script to the device. The script may be included in the code. The script may be associated with monitoring operations of the website. The device may receive data related to the operations. The device may analyze the data using a model. The model may be associated with making a prediction related to at least one of: a value to be received via the website, or traffic associated with the website. The device may perform one or more actions related to the website based on a result of the analyzing.

IPC Classes  ?

15.

SYSTEMS AND METHODS FOR RECORDING MAJOR INCIDENT RESPONSE INFORMATION

      
Application Number 18367062
Status Pending
Filing Date 2023-09-12
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Seck, Mohamed
  • Buell, Louis

Abstract

A system for recordation and retrieval of incident resolution action information is provided. A recordation system processor is provided with a recordation application configured to receive a response action initiation instruction identifying an action taken to resolve an incident on a target system, The processor determines one or more responsible responders each having a responder data processor that displays a responder dashboard. The processor transmits a recordation instruction to the responder data processor of each responsible responder. The recordation instruction includes an instruction to begin recording responder dashboard information. The recordation application is also configured to receive a response action termination instruction and to transmit a recordation termination instruction to the responder data processor of each responsible responder. A data storage unit is configured for receiving, from the responder data processors, real-time responder dashboard information recordings.

IPC Classes  ?

  • G06F 11/07 - Responding to the occurrence of a fault, e.g. fault tolerance

16.

CHAINED FEATURE SYNTHESIS AND DIMENSIONAL REDUCTION

      
Application Number 17935555
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor Langford, Michael

Abstract

A method includes obtaining a first dataset including a first feature set, generating a first set of feature values by providing the first dataset to a set of feature primitive stacks, and determining a reduced set of feature values based on the first set of feature values by dimensionally reducing features of the first set of feature values. The method further includes generating an intermediate set of feature values by providing a value of the first dataset and a value of the reduced set of feature values to at least one feature primitive of the set of feature primitive stacks. The method further includes updating the reduced set of feature values by dimensionally reducing features of the intermediate set of feature values and storing a second dataset including features of the intermediate set of feature values in association with the first feature set.

IPC Classes  ?

  • G06N 20/10 - Machine learning using kernel methods, e.g. support vector machines [SVM]
  • G06K 9/62 - Methods or arrangements for recognition using electronic means
  • G06N 5/00 - Computing arrangements using knowledge-based models

17.

CORRELATION-BASED DIMENSIONAL REDUCTION OF SYNTHESIZED FEATURES

      
Application Number 17935552
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor Langford, Michael

Abstract

A method includes obtaining a first dataset comprising a first set of features and generating a second set of features based on the first set of features set by providing the first dataset to feature primitive stacks that respectively corresponds to features of the second set of features. The method further includes determining a reduced feature set based on the second set of features and a count of correlation values between features of the second set of features, wherein the correlation values satisfy a correlation threshold. The method further includes storing the reduced feature set in a database in association with the first set of features based on a determination that a second dataset comprising the reduced feature set satisfies a set of criteria.

IPC Classes  ?

18.

SYSTEM AND METHOD FOR ADVANCED CREDIT LINE INCREASE

      
Application Number 17951608
Status Pending
Filing Date 2022-09-23
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Benkreira, Abdelkader M'Hamed
  • Tessler, Leeyat Bracha
  • Kousha, Shabnam

Abstract

A system and method for providing a temporary credit line increase to a customer awaiting or expecting a refund or replenishment of funds is disclosed. The process can be initiated by a creditor or at the request of a customer. In the latter scenario, the customer provides evidence of the expected refund in the form of a shipping label, return receipt, or other communication. In some cases, additional shipping information is acquired from a shipping company associated with the shipping label. Based on the information received from the customer as well as customer account information, a temporary credit line increase amount is calculated. The customer is then informed of the temporary credit line increase and any terminating conditions. The temporary credit line increase remains available to the customer until one of the terminating conditions has been satisfied.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06Q 10/08 - Logistics, e.g. warehousing, loading or distribution; Inventory or stock management

19.

PORTABLE VERIFICATION CONTEXT

      
Application Number 17935389
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor Bhattacharyya, Saurav

Abstract

In some implementations, a device may obtain verification information associated with an account based on a registration procedure associated with a service. The device may generate a verification context associated with the account based on the verification information, wherein the verification context is an object used to verify access attempts to the service. The device may store the verification context in connection with a unique identifier. The device may obtain a request to access the service, wherein the request is associated with the account, and wherein the request indicates an identifier. The device may perform a verification service associated with the request prior to passing the request to a service layer associated with the service, wherein the verification service includes verifying the request based on whether the identifier indicated by the request matches the unique identifier.

IPC Classes  ?

  • G06F 21/60 - Protecting data
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints

20.

REAL-TIME FEEDBACK DATA COLLECTION ASSOCIATED WITH CONTRIBUTIONS TO SOFTWARE PLATFORM DEVELOPMENT

      
Application Number 17935393
Status Pending
Filing Date 2022-09-26
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Bansal, Sameer
  • Berzinch, Kristaps T.
  • Bendy, Mia Faye
  • Ghosh, Sudipta Kumar
  • Newell, Michael P.

Abstract

In some implementations, a server device may receive an indication of a merge operation for source code associated with the software platform and a source code repository associated with the software platform. The server device may identify communication addresses associated with respective users from one or more users associated with the merge operation. The server device may generate feedback survey request data based on roles associated with the respective users. The server device may transmit, to the communication addresses, the feedback survey request data based on receiving the indication of the merge operation. The server device may receive feedback data associated with a user in response to the feedback survey request data. The server device may store the feedback data in a database, wherein feedback data is stored in connection with an identifier of the software platform and with an indication of a role of the user.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
  • G06F 8/71 - Version control ; Configuration management
  • G06F 8/77 - Software metrics

21.

SYSTEMS AND METHODS FOR GENERATING AND PROCESSING ELECTRONIC FORMS

      
Application Number 18449467
Status Pending
Filing Date 2023-08-14
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Denison, Robert
  • Cardinale, William

Abstract

A computer-implemented method of generating and processing electronic forms may include: generating and storing a plurality of prompts; receiving a first form request from a first user device; generating a first form including a first set of prompt instances; causing the first form to be displayed on the first user device; receiving a first set of user inputs, each of the first set of user inputs being associated with one or more of the first set of prompt instances; and storing the first set of prompt instances and the first set of user inputs while maintaining the plurality of prompts.

IPC Classes  ?

22.

SYSTEMS AND METHODS FOR ALLOCATING BLOCKCHAIN INCENTIVES

      
Application Number 17955452
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Rapowitz, Samuel
  • Osborn, Kevin
  • Zhu, Xiaoguang

Abstract

A system may verify a plurality of electronic utility data records to determine when each of the plurality of electronic utility data records is authentic. The system may determine a proportion of sustainable energy utilization data in each of the verified plurality of electronic utility data records. The system may assign a weighting factor to the determined proportion of the sustainable energy utilization data for each the verified plurality of electronic utility data records. The system may generate a sustainable energy score from the assigned weighting factor for each of the verified plurality of electronic utility data records. The system may rank each of the verified plurality of electronic utility data records by the generated sustainable energy score. The system may determine one or more of the ranked plurality of electronic utility data records above a predefined threshold level, and may provide incentives to computing device(s) associated with such records.

IPC Classes  ?

  • G06Q 30/02 - Marketing; Price estimation or determination; Fundraising

23.

SYSTEMS AND METHODS FOR PROVIDING CUSTOMER SERVICE FUNCTIONALITY DURING PORTFOLIO MIGRATION DOWNTIME

      
Application Number 18527958
Status Pending
Filing Date 2023-12-04
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Ahmad, Faizan
  • Ali, Shahnawaz

Abstract

A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing customer data access during a migration process. The system may initiate a transfer of customer data from a source data server to a system platform and transfer a subset of the customer data to a temporary data storage. The system may modify the temporary copy of customer data and generate an instruction to modify the permanent copy of customer data. In response to the completion of the transfer of customer data from the source data server to the system mainframe, the system may then transfer and execute the instruction to modify the permanent copy of customer data.

IPC Classes  ?

  • G06F 3/06 - Digital input from, or digital output to, record carriers

24.

COMPUTER BASED SYSTEMS CONFIGURED TO SURFACE EXPECTED DEMOGRAPHIC QUERIES WITHIN INTERACTION SESSIONS AND METHODS OF USE THEREOF

      
Application Number 17946967
Status Pending
Filing Date 2022-09-16
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Cheng, Lin Ni Lisa
  • Smith-Rose, Asher
  • Maiman, Tyler
  • Kousha, Shabnam

Abstract

In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a permission from the user to monitor a plurality of activities executed within the computing device; continually monitoring the plurality of activities executed within the computing device for a predetermined period of time; identifying an indication of an incoming interaction session within the predetermined period of time; automatically verifying a session interaction parameter associated with the incoming interaction session; determining a plurality of inquires associated with the research interaction session based on the at least one session interaction parameter; identifying the plurality of demographic informational items associated with the user; and automatically updating the programmable GUI element to display the plurality of inquires associated with the interaction session and the plurality of demographic informational items associated with the user.

IPC Classes  ?

  • G06F 21/50 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
  • G06F 16/23 - Updating
  • G06F 16/28 - Databases characterised by their database models, e.g. relational or object models

25.

SYSTEMS AND METHODS FOR DYNAMIC MODIFICATION OF EVENTS BASED ON BANDWIDTH AVAILABILITY

      
Application Number 18499162
Status Pending
Filing Date 2023-10-31
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Rafferty, Galen
  • Sharpe, Samuel
  • Goodsitt, Jeremy
  • Eden, Grant
  • Walters, Austin

Abstract

Methods and systems are described herein for modifying scheduled events based on bandwidth availability. To modify the scheduled event, the system determines a plurality of user devices corresponding to an event. The system receives first network conditions for a first user device and generates a feature input based on the first network conditions. The system inputs the feature input into an artificial intelligence model to determine a first available bandwidth metric and aggregates the first available bandwidth metric with respective available bandwidth metrics for other user devices of the plurality of user devices to determine a composite available bandwidth metric. The system can compare the composite available bandwidth metric to a threshold available bandwidth metric and in response to determining that the composite available bandwidth metric equals or exceeds the threshold available bandwidth metric, the system generates for display, on a user device interface, a recommendation for modifying the event.

IPC Classes  ?

  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence
  • G06F 18/214 - Generating training patterns; Bootstrap methods, e.g. bagging or boosting
  • G06N 20/00 - Machine learning
  • H04L 41/0896 - Bandwidth or capacity management, i.e. automatically increasing or decreasing capacities

26.

SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTION HAVING A BOUND MERCHANT

      
Application Number 17950429
Status Pending
Filing Date 2022-09-22
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Fort, Pavel
  • Douglas, Lawrence
  • Wieker, Jeffrey

Abstract

A system and method for processing a bound payment method is disclosed. A customer can create a virtual card number for use solely at a specific retailer. In this scenario, when the payment method is used for a financial transaction, it becomes necessary to verify that the financial transaction is being carried out with the bound merchant. In embodiments, the virtual card number (VCN) information is received and analyzed to identify the exchange entity and a bound entity associated with the VCN. If it is determined that the merchant associated with the transaction does not match the bound merchant associated with the VCN, then the customer is notified of the discrepancy and provided an opportunity to confirm the dispute the denial.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment

27.

COMPUTER BASED SYSTEMS CONFIGURED TO ADJUST FREQUENCY SCANNING OF THE DARK WEB IN SEARCH OF INFORMATION AND METHOD OF USE THEREOF

      
Application Number 17954807
Status Pending
Filing Date 2022-09-28
First Publication Date 2024-03-28
Owner Capital One Services, LLC (USA)
Inventor
  • Smith-Rose, Asher
  • Edwards, Joshua
  • Cheng, Lin Ni Lisa
  • Kousha, Shabnam
  • Maiman, Tyler

Abstract

In some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a trained spam upsurge detection machine learning model that determines when a current frequency associated with spam communications received by a current user exceeds a baseline frequency associated with the current user; receiving a permission indicator identifying a permission by the user to detect communications being received by the computing device; receiving an indication of at least one communication being received; determining the at least one communication as a particular spam communication; updating a frequency at which spam communications have been received by the user based at least in part on the particular spam communication; utilizing the trained spam upsurge detection machine learning model to determine that the frequency exceeds a baseline frequency associated with the user; and initiating a scan of one or more dark web resources.

IPC Classes  ?

28.

SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTION HAVING A BOUND MERCHANT

      
Application Number US2023031709
Publication Number 2024/063935
Status In Force
Filing Date 2023-08-31
Publication Date 2024-03-28
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Fort, Pavel
  • Douglas, Lawrence
  • Wieker, Jeffrey

Abstract

A system and method for processing a bound payment method is disclosed. A customer can create a virtual card number for use solely at a specific retailer. In this scenario, when the payment method is used for a financial transaction, it becomes necessary to verify that the financial transaction is being carried out with the bound merchant. In embodiments, the virtual card number (VCN) information is received and analyzed to identify the exchange entity and a bound entity associated with the VCN. If it is determined that the merchant associated with the transaction does not match the bound merchant associated with the VCN, then the customer is notified of the discrepancy and provided an opportunity to confirm the dispute the denial.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 30/06 - Buying, selling or leasing transactions
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

29.

SYSTEMS AND METHODS FOR FACILITATING WIRELESS TOKEN INTERACTIONS ACROSS MULTIPLE DEVICE TYPES AND/OR TOKEN TYPES

      
Application Number US2023074717
Publication Number 2024/064775
Status In Force
Filing Date 2023-09-20
Publication Date 2024-03-28
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Douglas, Lawrence
  • Johnson, Clayton

Abstract

In some embodiments, a system may obtain first feedback indicating one or more first signal‑strength‑related results corresponding with one or more first token interactions occurring in connection with presentation of one or more first components at one or more first locations of a user interface of a user device. Based on the first feedback, the system may obtain one or more second locations of the user interface and cause presentation of one or more second components at the one or more second locations of the user interface. The system may obtain second feedback indicating one or more second signal-strength-related results corresponding with one or more second token interactions. Using the first and second feedback, the system may update a user interface presentation location at which to present a component for a token interaction within a profile associated with a user of the user device.

IPC Classes  ?

  • G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
  • G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier
  • G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
  • G06N 3/02 - Neural networks
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
  • G07C 9/00 - Individual registration on entry or exit

30.

TRANSACTION EXCHANGE PLATFORM USING BLOCKCHAIN AND DATA INTEGRITY MICROSERVICES TO VALIDATE TRANSACTION OBJECT INTEGRITY

      
Application Number US2023033137
Publication Number 2024/064133
Status In Force
Filing Date 2023-09-19
Publication Date 2024-03-28
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Burnett, Brian T.
  • Lee, Earle Michael

Abstract

Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may generate configuration transaction objects to reconfigure microservices with salt values and time periods of salt value validity. Further, the microservices may retrieve transaction objects from a streaming data platform and generate hash signatures as part of determining the validity of the transaction objects. Furthermore, in some aspects the microservices may retrieve salt values for transaction objects that cannot be verified due to the absence of a hash signature. The salt values may be retrieved from a blockchain associated with the streaming data platform and may be used to update the microservice to include the salt value.

IPC Classes  ?

  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
  • G06Q 20/10 - Payment architectures specially adapted for home banking systems
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • H04L 9/40 - Network security protocols

31.

Wirelessly powered batteryless device

      
Application Number 18150817
Grant Number 11943007
Status In Force
Filing Date 2023-01-06
First Publication Date 2024-03-26
Grant Date 2024-03-26
Owner Capital One Services, LLC (USA)
Inventor
  • Douglas, Lawrence
  • Moreton, Paul Y.

Abstract

A batteryless device is disclosed. According to certain embodiments, the batteryless device may include a first communication system and a second communication system, the second communication system being a near-field-communication (NFC) system. The batteryless device may also include a power receiver coupled to the first communication system and configured to wirelessly receive power from an external device for powering the first communication system. The batteryless device may further include a controller configured to: when the first communication system is powered, establish, via the first communication system, a first wireless connection with a user device; receive, through the first wireless communication, a token from the user device; establish, via the second communication system, a second wireless connection with a terminal; and transmit, through the second wireless connection, the token to the terminal.

IPC Classes  ?

  • H04B 5/00 - Near-field transmission systems, e.g. inductive loop type
  • H02J 50/80 - Circuit arrangements or systems for wireless supply or distribution of electric power involving the exchange of data, concerning supply or distribution of electric power, between transmitting devices and receiving devices
  • H04W 12/06 - Authentication

32.

SYSTEMS AND METHODS FOR USER INPUT-RESPONSIVE RECOMMENDATIONS FOR ALTERNATIVE ITEMS OR SERVICES

      
Application Number 17932699
Status Pending
Filing Date 2022-09-16
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor Bilek, Baris

Abstract

A computer-implemented method for processing items or services in a container may include: initiating execution of a web module or an application installed on a user device based on user input; identifying an alternative for an item or service in the container; providing a user interface including: first information related to the item or the service in a first portion, second information related to alternative in a second portion, and one or more user interface elements overlaying the first portion or the second portion; detecting input to the one or more user interface elements, the input including: a command to cycle through display of the alternative item or service, selection of the alternative item or service, and/or an indication of a preference for the alternative item or service; and performing one or more actions based on the input.

IPC Classes  ?

  • G06Q 30/06 - Buying, selling or leasing transactions
  • G06F 3/0481 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance

33.

SYSTEMS AND METHODS FOR EVALUATING COUNTERFACTUAL SAMPLES FOR EXPLAINING MACHINE LEARNING MODELS

      
Application Number 17933136
Status Pending
Filing Date 2022-09-19
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor Barr, Brian

Abstract

In some aspects, a computing system may train a machine learning model to classify a plurality of samples of a training dataset. The computing system may generate a plurality of counterfactual samples. The computing system may determine a distance score between the training dataset and a first counterfactual sample of the plurality of counterfactual samples. Based on determining that the distance between the training dataset and the first counterfactual sample is smaller than other distances corresponding to other counterfactual samples of the plurality of counterfactual samples, the computing system may generate a recommendation to use the first counterfactual sample.

IPC Classes  ?

  • G06N 5/04 - Inference or reasoning models
  • G06N 5/02 - Knowledge representation; Symbolic representation

34.

SYSTEMS AND METHODS FOR SUCCESSIVE FEATURE IMPUTATION USING MACHINE LEARNING

      
Application Number 17945391
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor Langford, Michael

Abstract

Systems and methods for successively imputing missing feature values using machine learning to sequentially fill in missing feature values in partially-filled datasets, and by using the information in populated records of the dataset. The systems and methods disclosed herein may be useful in many machine learning contexts and application where datasets are missing values.

IPC Classes  ?

  • G06N 5/04 - Inference or reasoning models
  • G06N 5/02 - Knowledge representation; Symbolic representation

35.

METHOD AND SYSTEM FOR CUSTOMIZING USER EXPERIENCE

      
Application Number 18519890
Status Pending
Filing Date 2023-11-27
First Publication Date 2024-03-21
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Mossoba, Michael
  • Bhatt, Gaurang J.

Abstract

Embodiments disclosed herein generally related to a method and system for customizing a customer experience. In one embodiment, a method is provided herein. A computing system receives from a computing device positioned in a facility one or more video streams. The one or more video streams capture a customer in the facility. The computing system identifying an identity of the customer by parsing the one or more video streams to identify one or more audio or visual cues of the customer. The computing system determines, based on the identity of the customer, that the customer has one or more previous transactions at the facility. The computing system predicts, based on the one or more previous transactions, a new transaction at the facility. The computing system notifies the computing device positioned in the facility in preparation of the new transaction.

IPC Classes  ?

  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 30/0202 - Market predictions or forecasting for commercial activities
  • G06V 20/52 - Surveillance or monitoring of activities, e.g. for recognising suspicious objects

36.

SYSTEMS AND METHODS FOR AUTOMATED RESERVATION REBOOKING

      
Application Number 18521722
Status Pending
Filing Date 2023-11-28
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Glyman, Eric
  • Locke, William James Russell
  • Zasada, Kathleen
  • Tyan, Philippe
  • Lee, Jae In
  • Atiyeh, Karim

Abstract

Computer-implemented methods and systems are provided for automatically performing a task on a remote computer. During a registration stage, the system receives personal information of a human user, obtains an IP address and a device configuration for a computing device, and stores the personal information, IP address, and the device configuration in record in a database. The system receives a request to interact with a remote website to perform a task, the request including the personal information of the human user. The system then retrieves the record from the database using the personal information. The system creates a virtual machine based on the device configuration for the computing device, selects one of a geographically distributed set of proxy servers having an IP geographically address resembling the IP address for the computing device, and executes instructions causing the virtual machine to interact with the remote website using the proxy server to perform the task.

IPC Classes  ?

  • G06N 3/08 - Learning methods
  • G06F 9/445 - Program loading or initiating
  • G06F 9/455 - Emulation; Interpretation; Software simulation, e.g. virtualisation or emulation of application or operating system execution engines
  • G06N 3/045 - Combinations of networks
  • G06Q 10/02 - Reservations, e.g. for tickets, services or events

37.

NEAR FIELD COMMUNICATION DEVICE CAPABLE OF OPERATING IN A POWERED OR UNPOWERED MODE

      
Application Number 18511377
Status Pending
Filing Date 2023-11-16
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Koeppel, Adam
  • Locke, Tyler
  • Kelly, Kevin
  • Perry, Robert
  • Zarakas, James

Abstract

In some implementations, a near field communication (NFC) device may determine whether the NFC device is to perform a wireless transaction in a powered mode or an unpowered mode, and may selectively perform the wireless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the wireless transaction in the powered mode or the unpowered mode. The wireless transaction may be performed using power from a power source internal to the NFC device when the wireless transaction is performed in the powered mode. The wireless transaction may be performed without using power from the power source internal to the NFC device when the wireless transaction is performed in the unpowered mode.

IPC Classes  ?

  • H04B 5/00 - Near-field transmission systems, e.g. inductive loop type
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
  • H04W 52/02 - Power saving arrangements

38.

MONITORING SECURITY RISK OF A COMPUTING DEVICE

      
Application Number 17945452
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Zhang, Rui
  • Kaanugovi, Sudheendra Kumar
  • Goodsitt, Jeremy
  • Summers, Dustin
  • Walters, Austin

Abstract

Disclosed herein are system, method, and computer program product embodiments for determining a probability of a device at risk. The device may be associated with a plurality of security parameters. For a security parameter, the device can be in multiple states. A probability value corresponding to a security parameter can indicate the security parameter being in a state among the multiple states. A probabilistic graphical model may be used to represent dependences of the plurality of security parameters. A device security risk prediction module may determine a probability of the device at risk based on the probabilistic graphical model and the probability assignments to the plurality of nodes of the probabilistic graphical model, and further determine a user action instruction to be provided to a user of the device based on the probability of the device at risk.

IPC Classes  ?

  • G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities

39.

COMPUTER AUTHENTICATION USING KNOWLEDGE OF FORMER DEVICES

      
Application Number 17947667
Status Pending
Filing Date 2022-09-19
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Benkreira, Abdelkader M'Hamed
  • Edwards, Joshua
  • Mossoba, Michael

Abstract

Methods, systems, and apparatuses are described herein for improving computer authentication processes through computer-based authentication in a manner that uses knowledge of former devices. A computing device may train a machine learning model to output an indication of device reliability data associated with a particular device. The computing device may receive a request for access to an account from a user. The computing device may receive account data and provide the account data to the trained machine learning model. The computing device may receive data indicating device reliability for a set of devices from the machine learning model. The computing device may generate a modified set of device choices for the user by excluding devices having reliability levels below a threshold value. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.

IPC Classes  ?

  • G06F 21/34 - User authentication involving the use of external additional devices, e.g. dongles or smart cards
  • G06N 20/00 - Machine learning

40.

COMPUTER-BASED SYSTEMS CONFIGURED FOR CONTEXTUAL NOTIFICATION OF MONITORED DARK WEB INTELLIGENCE AND METHODS OF USE THEREOF

      
Application Number 17949636
Status Pending
Filing Date 2022-09-21
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Smith-Rose, Asher
  • Maiman, Tyler
  • Edwards, Joshua
  • Cheng, Lin Ni Lisa
  • Kousha, Shabnam

Abstract

The present disclosure provides an exemplary method, system, and computing device that may include the steps of receiving a first indication that information of a user has been detected at one or more dark web resources; classifying the item of the compromised information into an information type category; receiving a permission indicator to detect communications by the computing device; receiving a second indication of a communication; receiving a third indication that the user engages an interaction with the communication; instructing the computing device to execute a technique to obtain data for the communication; receiving the data for the communication; determining the communication is a spam communication; determining a current information type category being discussed during the spam communication; making a determination that the current information type category corresponds to the information type category; and instructing a graphical user interface to display an alert to the user.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence
  • H04L 41/22 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks comprising specially adapted graphical user interfaces [GUI]

41.

SYSTEMS FOR REAL-TIME INTELLIGENT HAPTIC CORRECTION TO TYPING ERRORS AND METHODS THEREOF

      
Application Number 18521582
Status Pending
Filing Date 2023-11-28
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Benkreira, Abdelkader M'Hamed
  • Bhusri, Nimma
  • Maiman, Tyler

Abstract

Systems and methods of the present disclosure enable context-aware haptic error notifications. The systems and methods include a processor to receive input segments into a software application from a character input component and determine a destination. A context identification model predicts a context classification of the input segments based at least in part on the software application and the destination. Potential errors are determined in the input segments based on the context classification. An error characterization machine learning model determines an error type classification and an error severity score associated with each potential error and a haptic feedback pattern is determined for each potential error based on the error type classification and the error severity score of each potential error of the one or more potential errors. And a haptic event latency is determined based on the error type classification and the error severity score of each potential error.

IPC Classes  ?

  • G06F 3/04886 - Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures by partitioning the display area of the touch-screen or the surface of the digitising tablet into independently controllable areas, e.g. virtual keyboards or menus
  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06F 3/041 - Digitisers, e.g. for touch screens or touch pads, characterised by the transducing means
  • G06F 18/241 - Classification techniques relating to the classification model, e.g. parametric or non-parametric approaches
  • G06N 20/00 - Machine learning

42.

TECHNIQUES TO PROVIDE SECURE CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS BY DISTRIBUTED ENTITIES

      
Application Number 18244838
Status Pending
Filing Date 2023-09-11
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Osborn, Kevin
  • Blocksom, Jonathan T.
  • Wolf, Michael

Abstract

Example embodiments herein disclose systems and methods for the secure cryptographic authentication of contactless cards by distributed entities. In an example embodiment, a distributed network authentication system can comprises a client node and a distributed ledger node in data communication with the client node, wherein the distributed ledger can contain a database storing a mapping. The client node can receive, from a client device, an authentication request, and responsive to the authentication request, transmit, to the distributed ledger node, a query. The distributed ledger node can receive, from the client node, the query, submit the query to the database, receive, from the database responsive to the query, an identification of at least one selected from the group of a validation node and a validation node address, and transmit, to the client node, the identification.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols
  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

43.

AUTHENTICATING A USER DEVICE VIA A MONITORING DEVICE

      
Application Number 18511329
Status Pending
Filing Date 2023-11-16
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Vukich, Adam
  • Benkreira, Abdelkadar M’hamed

Abstract

A server device receives, from a user device, a session initiation request and information identifying a location of the user device, and receives, from a monitoring device that is separate from the user device, an authentication request and information identifying a location of the monitoring device. The server device processes the session initiation request and the authentication request to authenticate a user of the user device, and determines, based on the location of the user device and the location of the monitoring device, that the user device and the monitoring device are collocated. The server device creates, after authenticating the user of the user device and determining that user device and the monitoring device are collocated, a session token, and sends the session token to the user device to enable the user device to access at least one resource of the server device.

IPC Classes  ?

44.

SYSTEMS AND METHODS FOR FACILITATING WIRELESS TOKEN INTERACTIONS ACROSS MULTIPLE DEVICE TYPES AND/OR TOKEN TYPES

      
Application Number 17933964
Status Pending
Filing Date 2022-09-21
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Douglas, Lawrence
  • Johnson, Clayton

Abstract

In some embodiments, a system may obtain first feedback indicating one or more first signal-strength-related results corresponding with one or more first token interactions occurring in connection with presentation of one or more first components at one or more first locations of a user interface of a user device. Based on the first feedback, the system may obtain one or more second locations of the user interface and cause presentation of one or more second components at the one or more second locations of the user interface. The system may obtain second feedback indicating one or more second signal-strength-related results corresponding with one or more second token interactions. Using the first and second feedback, the system may update a user interface presentation location at which to present a component for a token interaction within a profile associated with a user of the user device.

IPC Classes  ?

45.

SYSTEMS AND METHODS FOR DETERMINING TRUSTED DEVICES

      
Application Number 17945961
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Iranitalab, Amirfarrokh
  • Haq, Salman
  • Kallu, Sriharsha
  • Manzul, Vitalie
  • Spiegel, Philip

Abstract

Disclosed embodiments may include a system for determining trusted devices. The system may receive data corresponding to a plurality of users. The system may receive, via a plurality of user devices associated with the plurality of users, a respective request to conduct a plurality of transactions. The system may generate, via an MLM and based on the data, trust scores associated with the plurality of users and the plurality of user devices, wherein each trust score indicates a probability that a user device, of the plurality of user devices, is associated with a user of the plurality of users. The system may determine whether each trust score of a plurality of trust scores exceeds a predetermined threshold. Responsive to determining a trust score of the plurality of trust scores exceeds the predetermined threshold, the system may conduct fraud prevention action(s) with respect to a corresponding user device and user.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • H04L 41/16 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks using machine learning or artificial intelligence

46.

MULTI-FACTOR AUTHENTICATION USING LOCATION DATA

      
Application Number 17932431
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Fenichel, Allison
  • Gilling, John Oliva
  • Pai, Aditya

Abstract

In some implementations, a device may obtain first location data associated with one or more exchanges, where the first location data is associated with a first level of granularity. The device may determine second location data associated with the one or more exchanges based on records associated with the one or more exchanges, where the second location data is associated with a second level of granularity that is higher than the first level of granularity. The device may detect an authentication event associated with an access attempt to the account. The device may provide, based on detecting the authentication event, one or more authentication queries that are based on the second location data. The device may authenticate the access attempt to the account based on one or more responses to the one or more authentication queries.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

47.

TECHNIQUES TO PROVIDE SECURE CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS BY DISTRIBUTED ENTITIES

      
Application Number US2023032520
Publication Number 2024/059057
Status In Force
Filing Date 2023-09-12
Publication Date 2024-03-21
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Osborn, Kevin
  • Blocksom, Jonathan T.
  • Wolf, Michael

Abstract

Example embodiments herein disclose systems and methods for the secure cryptographic authentication of contactless cards by distributed entities. In an example embodiment, a distributed network authentication system can comprises a client node and a distributed ledger node in data communication with the client node, wherein the distributed ledger can contain a database storing a mapping. The client node can receive, from a client device, an authentication request, and responsive to the authentication request, transmit, to the distributed ledger node, a query. The distributed ledger node can receive, from the client node, the query, submit the query to the database, receive, from the database responsive to the query, an identification of at least one selected from the group of a validation node and a validation node address, and transmit, to the client node, the identification.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06F 21/44 - Program or device authentication
  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system

48.

USING A TUNABLE PRE-TRAINED DISCRIMINATOR TO TRAIN A GENERATOR AND AN UNTRAINED DISCRIMINATOR

      
Application Number 17947778
Status Pending
Filing Date 2022-09-19
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Walters, Austin
  • Rafferty, Galen
  • Goodsitt, Jeremy
  • Truong, Anh

Abstract

Systems as described herein may implement a tunable pre-trained discriminator in a machine learning model, such as a general adversarial network. A server may generate training data using a generator of the machine learning model. The server may send the training data to a first discriminator (e.g., a pre-trained discriminator) and a second discriminator (e.g., an untrained discriminator). The server may receive a first set and a second set of labels from the first discriminator and the second discriminator, respectively. The server may select a label from either the first or the second set of labels. Accordingly, the server may provide the selected labels and the corresponding data records to further train the generator of the machine learning model.

IPC Classes  ?

49.

TRANSACTION EXCHANGE PLATFORM USING BLOCKCHAIN AND DATA INTEGRITY MICROSERVICES TO VALIDATE TRANSACTION OBJECT INTEGRITY

      
Application Number 17933380
Status Pending
Filing Date 2022-09-19
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Burnett, Brian T.
  • Lee, Earle Michael

Abstract

Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may generate configuration transaction objects to reconfigure microservices with salt values and time periods of salt value validity. Further, the microservices may retrieve transaction objects from a streaming data platform and generate hash signatures as part of determining the validity of the transaction objects. Furthermore, in some aspects the microservices may retrieve salt values for transaction objects that cannot be verified due to the absence of a hash signature. The salt values may be retrieved from a blockchain associated with the streaming data platform and may be used to update the microservice to include the salt value.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols

50.

TRANSACTION EXCHANGE PLATFORM USING BLOCKCHAIN AND DATA INTEGRITY MICROSERVICES TO VALIDATE TRANSACTION OBJECT INTEGRITY

      
Application Number 17933399
Status Pending
Filing Date 2022-09-19
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Burnett, Brian T.
  • Lee, Earle Michael

Abstract

Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may generate configuration transaction objects to reconfigure microservices with salt values and time periods of salt value validity. Further, the microservices may retrieve transaction objects from a streaming data platform and generate hash signatures as part of determining the validity of the transaction objects. Furthermore, in some aspects the microservices may retrieve salt values for transaction objects that cannot be verified due to the absence of a hash signature. The salt values may be retrieved from a blockchain associated with the streaming data platform and may be used to update the microservice to include the salt value.

IPC Classes  ?

  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols

51.

Merchant Advertisement Informed Item Level Data Predictions

      
Application Number 18520836
Status Pending
Filing Date 2023-11-28
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Vukich, Adam
  • Bergeron, George

Abstract

Systems as described herein may include predicting item level data based on merchant advertisement information. A transaction pattern may be detected. The merchant advertisement information may be retrieved and parsed to generate a price list. A number of transactions that each shares a common payment amount may be determined and the number may reach a threshold value. Items from the price list may be matched with the common payment amount. The transaction records may be updated to indicate likely item level transaction information. In a variety of embodiments, the likely transaction information may be presented to a user.

IPC Classes  ?

52.

METHODS AND SYSTEMS FOR AUTOMATICALLY PRESERVING A USER SESSION ON A PUBLIC ACCESS SHARED COMPUTER

      
Application Number 18526398
Status Pending
Filing Date 2023-12-01
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Truong, Anh
  • Goodsitt, Jeremy
  • Hua, Alvin
  • Key, Kate
  • Kwak, Ernest
  • Pham, Vincent
  • Rafferty, Galen
  • Walters, Austin

Abstract

A computer-implemented method may include: receiving, from at least one camera, image data associated with a first user at a public access user computing device; detecting, based on the received image data, by employing a machine learning model trained using a dataset of actions collected from a plurality of previous users, that the first user has moved away from the public access user computing device; automatically encrypting, based upon the detection, a user session associated with the first user, wherein the encrypted user session is configured to be subsequently activated by the first user; and initiating a new generic user session on the public access user computing device for a second user.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/60 - Protecting data
  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06N 3/08 - Learning methods
  • G06V 40/16 - Human faces, e.g. facial parts, sketches or expressions
  • G06V 40/20 - Movements or behaviour, e.g. gesture recognition
  • H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/08 - Key distribution

53.

PLATFORM TO PROVIDE SUPPLEMENTAL MEDIA CONTENT BASED ON CONTENT OF A MEDIA STREAM AND A USER ACCESSING THE MEDIA STREAM

      
Application Number 18519562
Status Pending
Filing Date 2023-11-27
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Hoover, Jason
  • Tang, Qiaochu
  • Dagley, Geoffrey
  • Price, Micah

Abstract

A device detects that a user device is accessing a media stream that enables the user device to display, via a user interface, media content associated with a subject. The device receives a search query associated with the user device and the media stream, and determines, based on the search query, that a user associated with the user device has a threshold level of interest in a feature of the subject. The device receives feature information associated with the feature based on determining that the user has the threshold level of interest, and receives feature content data that is associated with feature content that includes the feature information. The device causes the feature content to be embedded into the media stream to cause the user device to display the feature content in relation to the feature when the feature is displayed in the media content via the user interface.

IPC Classes  ?

  • H04N 21/81 - Monomedia components thereof
  • H04N 21/25 - Management operations performed by the server for facilitating the content distribution or administrating data related to end-users or client devices, e.g. end-user or client device authentication or learning user preferences for recommending movies
  • H04N 21/414 - Specialised client platforms, e.g. receiver in car or embedded in a mobile appliance
  • H04N 21/431 - Generation of visual interfaces; Content or additional data rendering
  • H04N 21/442 - Monitoring of processes or resources, e.g. detecting the failure of a recording device, monitoring the downstream bandwidth, the number of times a movie has been viewed or the storage space available from the internal hard disk
  • H04N 21/482 - End-user interface for program selection
  • H04N 21/6334 - Control signals issued by server directed to the network components or client directed to client for authorisation, e.g. by transmitting a key

54.

PERFORMING A CUSTOM ACTION DURING CALL SCREENING BASED ON A PURPOSE OF A VOICE CALL

      
Application Number 18509773
Status Pending
Filing Date 2023-11-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Way, Brendan
  • Gibilterra, Kaylyn
  • Benkreira, Abdelkader M'Hamed

Abstract

A user device may output an indication of an incoming call from a calling device. The user device may receive a request to screen the incoming call. The user device may analyze a transcription of voice input, received from the calling device, for one or more keywords related to a request for funds. The user device may output one or more input options, which permit a user of the user device to respond to the request for funds, including an input option to transfer funds from a first account associated with the user device to a second account associated with the calling device. The user device may detect a user interaction with the input option to transfer funds from the first account to the second account. The user device may transmit a request that causes funds to be transferred from the first account to the second account.

IPC Classes  ?

  • H04M 3/436 - Arrangements for screening incoming calls
  • G06N 5/04 - Inference or reasoning models
  • G06N 20/00 - Machine learning
  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G10L 15/08 - Speech classification or search
  • G10L 15/22 - Procedures used during a speech recognition process, e.g. man-machine dialog

55.

SYSTEMS AND METHODS FOR GENERATING DYNAMIC CONVERSATIONAL RESPONSES BASED ON PREDICTED USER INTENTS USING ARTIFICIAL INTELLIGENCE MODELS

      
Application Number 18513406
Status Pending
Filing Date 2023-11-17
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Le, Minh
  • Hernandez Zeledon, Arturo
  • Khan, Md Arafat Hossain

Abstract

Described are methods and systems are for generating dynamic conversational queries. For example, as opposed to being a simply reactive system, the methods and systems herein provide means for actively determining a user's intent and generating a dynamic query based on the determined user intent. Moreover, these methods and systems generate these queries in a conversational environment.

IPC Classes  ?

  • G06F 40/30 - Semantic analysis
  • G06F 18/2137 - Feature extraction, e.g. by transforming the feature space; Summarisation; Mappings, e.g. subspace methods based on criteria of topology preservation, e.g. multidimensional scaling or self-organising maps
  • G06N 3/04 - Architecture, e.g. interconnection topology
  • G06N 20/20 - Ensemble learning

56.

SYSTEM AND METHOD FOR PROVIDING ADVERTISER AUCTIONS BASED ON SEGMENTATION INFORMED BY PURCHASE DATA

      
Application Number 18522116
Status Pending
Filing Date 2023-11-28
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Hammock, Luke A.
  • Niczyporuk, Janusz Michael

Abstract

A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer.

IPC Classes  ?

57.

COMPUTER-BASED SYSTEMS CONFIGURED FOR AUTOMATICALLY GENERATING FICTITIOUS CALL SESSION INTERACTION PARAMETER(S) AND METHODS OF USE THEREOF

      
Application Number 17945620
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Smith-Rose, Asher
  • Maiman, Tyler
  • Cheng, Lin Ni Lisa
  • Kousha, Shabnam

Abstract

A computer-implemented method comprising: instructing a computing device to obtain a permission from the user to monitor a plurality of activities executed within the computing device; receiving a call session request from a computing device associated with a second user; utilizing a trained machine learning algorithm to confirm an identity of the user based on the call session interaction parameter to confirm the call interaction session as a verified call interaction session; generating a fictitious call session interaction parameter that differs from the at least one call session interaction parameter; modifying the call session request into a verified call session request by replacing the call session interaction parameter with the fictitious call session interaction parameter; utilizing a telecommunication network to transmit the verified call session request with the at least one fictitious session interaction parameter to the first calling-enabled computing device; automatically instructing the first calling-enabled computing device to modify a call session notification GUI to display notification data.

IPC Classes  ?

  • H04M 3/42 - Systems providing special services or facilities to subscribers

58.

SYSTEMS AND METHODS FOR ACCOUNT STATUS MONITORING

      
Application Number 17945454
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Saia, Michael
  • Cheng, Lin Ni Lisa
  • Guo, Rocky
  • Cottle, Seth Wilton

Abstract

Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.

IPC Classes  ?

  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

59.

VIRTUAL INTERVIEW SYSTEM USING MACHINE LEARNING MODELS

      
Application Number 17933258
Status Pending
Filing Date 2022-09-19
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Nowak, Matthew
  • Seck, Mohamed
  • Buell, Louis

Abstract

In some implementations described herein, a system may receive resume data associated with a resume of a candidate. The system may identify, from the resume data, one or more resume attributes. The system may determine interview questions based on the resume attribute(s). The system may transmit, to an interview device, the interview questions. An interview question may be transmitted after receiving a response to a preceding interview question. The system may receive, from the interview device, response data corresponding to responses to the interview questions. For a particular response, the response data may include a video feed from the interview device of the candidate providing the particular response. The system may identify, from the response data, one or more response attributes. The system may determine, based on the response attribute(s) and historical response data associated with historical responses, a recommendation associated with the candidate.

IPC Classes  ?

60.

SYSTEMS USING HASH KEYS TO PRESERVE PRIVACY ACROSS MULTIPLE TASKS

      
Application Number 18527139
Status Pending
Filing Date 2023-12-01
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Choque, Omar Florez
  • Mueller, Erik

Abstract

A system for using hash keys to preserve privacy across multiple tasks is disclosed. The system may provide training batch(es) of input observations each having a customer request and stored task to an encoder, and assign a hash key(s) to each of the stored tasks. The system may provide a new batch of input observations with a new customer request and new task to the encoder. The encoder may generate a new hash key assigned to the new customer request and determine whether any existing hash key corresponds with the new hash key. If so, the system may associate the new batch of input observations with the corresponding hash key and update the corresponding hash key such that it is also configured to provide access to the new batch of input observations. If not, the system may generate a new stored task and assign the new hash key to it.

IPC Classes  ?

61.

SECURITY MECHANISMS FOR SKILL SQUATTING

      
Application Number 17949463
Status Pending
Filing Date 2022-09-21
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Montealegre, Andrea
  • Shah, Salik

Abstract

Disclosed herein are system, method, and computer program product embodiments for protecting a device from skill squatting by verifying the legitimacy of a skill to a user before operating the skill based on user instructions. Upon receiving an audio signal from a user to operate a skill on a device, the skill can retrieve unique and non-confidential information related to the user or the device, and further present the unique and non-confidential information to the user such that the information is used to verify the legitimacy of the skill. Upon a verification of the legitimacy of the skill, the user can operate the skill by voice or audio instructions.

IPC Classes  ?

  • G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

62.

COMPUTER-BASED SYSTEMS CONFIGURED FOR IDENTIFYING RESTRICTED REVERSALS OF OPERATIONS IN DATA ENTRY AND METHODS OF USE THEREOF

      
Application Number 18520233
Status Pending
Filing Date 2023-11-27
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Benkreira, Abdelkader M'Hamed
  • Mossoba, Michael
  • Edwards, Joshua

Abstract

Systems and methods of the present disclosure enable automated identification of restrictions on reversals of data entries by receiving location data from a computing device associated with a user, and utilizing a data profile classification machine learning model to classify a particular data profile according to a data profile classification type based at least in part on a history of data entries associated with the particular data profile when the physical location is within a predetermined proximity of another physical location associated with the particular data profile. A reversal rate of data entries in the history of data entries is determined for the particular data profile. An electronic activity reversal restriction is determined where the reversal rate is below a predetermined value, and a pop-up notification is presented on the computing device notifying the user of the electronic activity reversal restriction of the particular data profile.

IPC Classes  ?

  • G06Q 30/0282 - Rating or review of business operators or products
  • G06F 18/214 - Generating training patterns; Bootstrap methods, e.g. bagging or boosting
  • G06N 20/00 - Machine learning
  • H04L 67/50 - Network services

63.

SERVER-SIDE CONTACTLESS CARD ACTIVATION

      
Application Number 18524866
Status Pending
Filing Date 2023-11-30
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Rule, Jeffrey
  • Lutz, Wayne

Abstract

Systems, apparatuses, computer-readable media, and methods are provided for activating a contactless card. A server may transmit, to a web browser on a client device, a web page. The server may receive, from the web browser, a request to activate a contactless card, the request including a cryptogram. The server may decrypt the cryptogram based on a key associated with the contactless card. The server may transition, based on the decryption of the cryptogram, the contactless card from an inactive payment state to an active payment state. The server may transmit, to the web page and based on the transition of the contactless card from the inactivated payment state to the activated payment state, an indication to activate a payment applet of the contactless card.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

64.

MAZE-BASED USER AUTHENTICATION

      
Application Number 17932440
Status Pending
Filing Date 2022-09-15
First Publication Date 2024-03-21
Owner Capital One Services, LLC (USA)
Inventor
  • Mossoba, Michael
  • Farber, Ryan Christopher
  • Yee, Bryant

Abstract

In some implementations, a system may transmit information that identifies behavioral data to be collected by a user device in connection with completion of a digital maze via user interaction with a user device. The maze may include starting and finishing points and an authentication path therebetween. The maze may include digital landmarks, a subset of which may be along the authentication path. The system may receive the behavioral data, and may provide the behavioral data and a task identifier identifying the maze as a feature set that is input to a machine learning model. The system may receive an output from the machine learning model, and may cause a recommended action to be performed with respect to verifying an identity of a user of the user device based on the output.

IPC Classes  ?

  • G06F 21/36 - User authentication by graphic or iconic representation
  • G06F 21/31 - User authentication

65.

SYSTEMS AND METHODS FOR DETERMINING TRUSTED DEVICES

      
Application Number US2023074339
Publication Number 2024/059814
Status In Force
Filing Date 2023-09-15
Publication Date 2024-03-21
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Iranitalab, Amirfarrokh
  • Haq, Salman
  • Kallu, Sriharsha
  • Manzul, Vitalie
  • Spiegel, Philip

Abstract

Disclosed embodiments may include a system for determining trusted devices. The system may receive data corresponding to a plurality of users. The system may receive, via a plurality of user devices associated with the plurality of users, a respective request to conduct a plurality of transactions. The system may generate, via an MLM and based on the data, trust scores associated with the plurality of users and the plurality of user devices, wherein each trust score indicates a probability that a user device, of the plurality of user devices, is associated with a user of the plurality of users. The system may determine whether each trust score of a plurality of trust scores exceeds a predetermined threshold. Responsive to determining a trust score of the plurality of trust scores exceeds the predetermined threshold, the system may conduct fraud prevention action(s) with respect to a corresponding user device and user.

IPC Classes  ?

66.

Systems and methods for providing a nearest neighbors classification pipeline with automated dimensionality reduction

      
Application Number 18060737
Grant Number 11934384
Status In Force
Filing Date 2022-12-01
First Publication Date 2024-03-19
Grant Date 2024-03-19
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor Langford, Michael

Abstract

Disclosed embodiments may include a system for providing a nearest neighbors classification pipeline with automated dimensionality reduction. The system may receive a dataset. The system may determine whether the dataset has a first dimensionality that exceeds a predetermined threshold. When dataset has a dimensionality that exceeds a predetermined threshold, the system may prompt a user to input an explained variance threshold ratio. The system may receive the explained variance threshold ratio. The system may iteratively perform a binary search on the dataset to determine a reduced dimensionality having a total explained variance ratio closest to but not less than the explained variance threshold ratio. The system may reduce the dataset to the reduced dimensionality to generate a reduced dataset. The system may train a machine learning model using the reduced dataset.

IPC Classes  ?

67.

SYSTEMS AND METHODS FOR USER CONTROL AND EXCLUSION OF CRYPTOGRAPHIC TOKENIZED DATA

      
Application Number 17931507
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Duque, Julian
  • Shanker, Purva
  • Rapowitz, Samuel
  • Liu, Dennis

Abstract

The invention relates to generating cryptographic tokens based on received records. The system may receive a blockchain operation request comprising a plurality of records, encrypt a plurality of records into an encrypted payload, generate a cryptographic token based on the encrypted payload, and cause the cryptographic token to be committed to a blockchain.

IPC Classes  ?

  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols

68.

AUGMENTED REALITY AT A FRONT-END DEVICE

      
Application Number 17931645
Status Pending
Filing Date 2022-09-13
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Mossoba, Michael
  • Maiman, Tyler

Abstract

In some implementations, a system may receive, at a front-end device and from an augmented reality (AR) device associated with a user, a request to use the front-end device. The system may transmit, to the AR device, a request to access an optical sensor of the AR device. The system may receive, from the AR device, an output, from the optical sensor, that indicates a hand gesture performed by the user of the AR device. Accordingly, the system may determine, based on the hand gesture, a corresponding input key of the front-end device. The system may perform an action based on the corresponding input key.

IPC Classes  ?

  • G06T 19/00 - Manipulating 3D models or images for computer graphics
  • G06F 3/01 - Input arrangements or combined input and output arrangements for interaction between user and computer
  • G06V 40/20 - Movements or behaviour, e.g. gesture recognition

69.

SECURE CRYPTOGRAPHIC TRANSFER USING MULTIPARTY COMPUTATION

      
Application Number 17931789
Status Pending
Filing Date 2022-09-13
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Ferguson, Dexter
  • Wiskur, Christian

Abstract

Methods and systems are disclosed herein for cryptographically secured transfer of an item. In some embodiments, the system may cause generation of multiple key shares of a private key from which a blockchain address on a blockchain is derived. The system may generate a cryptographic representation of a physical item to be transferred from the first user to the second user, the physical item corresponding to the first item. The system may cause a first amount of the first item to be transferred to the blockchain address. The system may obtain a candidate cryptographic representation from the second user. The system may generate, based on the candidate hash matching the hash of the feature vector representing the physical item, a signed message using a partial signature of the second user and another partial signature derived from the third key share.

IPC Classes  ?

  • H04L 9/08 - Key distribution
  • H04L 9/00 - Arrangements for secret or secure communications; Network security protocols

70.

REMOTE CREATION OF VIRTUAL CREDENTIAL BOUND TO PHYSICAL LOCATION

      
Application Number 17931968
Status Pending
Filing Date 2022-09-14
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Pai, Aditya
  • Fenichel, Allison

Abstract

In some implementations, a credential system may create a virtual credential bound to a physical location associated with a transacting entity based on a request from a user device. The credential system may send information to a transaction terminal at the physical location bound to the virtual credential to register the virtual credential and identify a user that owns an account associated with the virtual credential. The credential system may provide, to the user device, tokenized information related to the virtual credential. The credential system may receive the tokenized information from a transaction terminal requesting authorization for the transaction. The credential system may send, to the transaction terminal requesting the authorization for the transaction, an authorization decision associated with the transaction based on whether the transaction terminal is present at the physical location bound to the virtual credential.

IPC Classes  ?

71.

DETECTING RELIABILITY ACROSS THE INTERNET AFTER SCRAPING

      
Application Number 17932114
Status Pending
Filing Date 2022-09-14
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Tessler, Leeyat Bracha
  • Mays, Robert
  • Maiman, Tyler
  • Byrd, Juwan

Abstract

In some implementations, a reliability modeler may receive a plurality of webpages associated with a first entity from an Internet scraping device. The reliability modeler may detect, within the plurality of webpages, at least one of a logo, a font, or a color. The reliability modeler may apply a model, trained on a set of guidelines associated with the first entity, to the logo, the font, or the color. Accordingly, the reliability modeler may determine, based on output from the model, that the plurality of webpages are unlikely to be authorized by the first entity. The reliability modeler may transmit, to a user device, an alert based on determining that the plurality of webpages are unlikely to be associated with the first entity.

IPC Classes  ?

72.

BIOMETRIC AUTHENTICATION-BASED TOKEN

      
Application Number 17932133
Status Pending
Filing Date 2022-09-14
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor Wokaty, Jr., Robert Dwane

Abstract

In some implementations, a physical medium may include a fingerprint scanner, one or more memories that store fingerprint data and a PIN, and one or more processors. The physical medium may receive power from a terminal that is in communication with the physical medium. The physical medium may scan a fingerprint using the fingerprint scanner and the power received from the terminal. The physical medium may compare scanned fingerprint data, determined based on scanning the fingerprint, and the stored fingerprint data using the power received from the terminal. The physical medium may determine that the scanned fingerprint data sufficiently matches the stored fingerprint data based on comparing the scanned fingerprint data and the stored fingerprint data. The physical medium may transmit the PIN to the terminal based on determining that the scanned fingerprint data sufficiently matches the stored fingerprint data.

IPC Classes  ?

  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06F 21/33 - User authentication using certificates
  • G06V 40/13 - Sensors therefor

73.

COMPUTER-BASED SYSTEMS CONFIGURED FOR EFFICIENT AND SECURE MULTI-USER ELECTRONIC ACTIVITIES AND METHODS OF USE THEREOF

      
Application Number 17942705
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Gulati, Latika
  • Wolf, Michael
  • Cheng, Lin Ni Lisa

Abstract

Systems and methods of the present disclosure enable split communication routing. A communication request associated with an electronic activity is received, the communication request specifying a virtual token and a data content, where the virtual token is a proxy for multiple actual data source profiles. A split rule defining a proportion of the data content to be attributed to each actual data source profile is determined. A security score is determined based on each actual data source profile and each proportion of the data content. The communication request is authorized based on the security score exceeding a threshold security score and access to the proportion of the data content in each actual data source profile is enabled. Each proportion of the data content is consolidated into a single response, and the electronic activity is executed with the single response.

IPC Classes  ?

74.

Securely Rehydrating Containerized Agents

      
Application Number 17943637
Status Pending
Filing Date 2022-09-13
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Konduru, Anil
  • Deshpande, Amit Ramesh
  • Forsberg, Dillon
  • Rabadia, Dirgh
  • Sadananda, Anvitha Banakal
  • Mony, Jameskutty

Abstract

A method, apparatus, and computer-readable medium are described that enable agent instances to be instantiated in secure, containerized environments. When a new container is detected, a list of agent instances expected to be running in a compute instance or in a container may be obtained and compared with status information regarding which agent instances are active. For a non-active agent instance, an agent object and configuration information for the agent instance may be obtained from a storage. Based on the available name, the agent object, and the configuration information, the agent instance may be instantiated and connected to an agent status server. An application related to the new agent instance may be deployed in the secure containerized environment.

IPC Classes  ?

75.

COMPUTING DEVICES CONFIGURED FOR LOCATION-AWARE CALLER IDENTIFICATION AND METHODS/SYSTEMS OF USE THEREOF

      
Application Number 17944833
Status Pending
Filing Date 2022-09-14
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Smith-Rose, Asher
  • Cheng, Lin Ni Lisa
  • Edwards, Joshua
  • Maiman, Tyler
  • Kousha, Shabnam

Abstract

Systems and methods of location-aware caller identification via machine learning techniques are disclosed. In one embodiment, an exemplary computer-implemented method may include: utilizing a trained call annotation machine learning model to determine one or both of an annotating condition and annotating location granularity, and associate one location of a user with one phone number of the user based at least on one or both of the annotating condition and the annotating location granularity; receiving second transactional information of one transaction associated with a first user; extracting second location information from the second transactional information of the one transaction; utilizing the trained call annotation machine learning model to automatically annotate one phone number record of one phone number of the first user, with the second location information at the annotating location granularity to form at least one user-specific location-specific annotated phone number record.

IPC Classes  ?

  • H04M 3/42 - Systems providing special services or facilities to subscribers

76.

OPTIMIZING USER EXPERIENCES USING A FEEDBACK LOOP

      
Application Number 18369312
Status Pending
Filing Date 2023-09-18
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Sun, Weiyan
  • Sarin, Rohit
  • Maue, Elizabeth Claire
  • Douglas, Dustin

Abstract

The present disclosure is directed to systems and methods for predicting an outcome of a user journey. For example, a method may include: identifying a plurality of patterns based on a plurality of user interactions of a plurality of users with a plurality of touchpoints; applying a parameter to filter the plurality of patterns; evaluating the filtered plurality of patterns based an evaluation criterion; and applying a feedback loop based on the evaluation of the filtered patterns to modify the parameter or adjust a user experience.

IPC Classes  ?

  • G06N 5/04 - Inference or reasoning models
  • G06Q 30/0201 - Market modelling; Market analysis; Collecting market data

77.

Separately Collecting and Storing Form Contents

      
Application Number 18379325
Status Pending
Filing Date 2023-10-12
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Goodsitt, Jeremy
  • Walters, Austin
  • Rafferty, Galen
  • Truong, Anh
  • Watson, Mark
  • Farivar, Reza
  • Pham, Vincent

Abstract

Apparatuses, systems and methods are described herein for separately collecting and storing form contents. Different information may be collected from a user on a form. Based on determining that portions of the form request a first type of information, an extended reality (XR) environment may be provided to the user. The user may provide the first type information via an input method in the XR environment. The user may provide a second type of information using a different input method outside of the XR environment. The first type of information may be processed and stored in a different database as compared to the second type of information. The database storing the first type of information may have a higher security standard than the database storing second type of information.

IPC Classes  ?

  • G06F 40/174 - Form filling; Merging
  • G06F 21/32 - User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
  • G06V 30/414 - Extracting the geometrical structure, e.g. layout tree; Block segmentation, e.g. bounding boxes for graphics or text
  • G06V 30/416 - Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors

78.

SYSTEMS AND METHODS FOR SHARING DATA

      
Application Number 18471602
Status Pending
Filing Date 2023-09-21
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Osborn, Kevin
  • Rule, Jeffrey
  • Yee, Bryant

Abstract

Disclosed embodiments may include a system for sharing data. The system may direct a first user device to establish a respective wireless connection with second user devices. The system may cause the first user device to display, via a GUI, icons respectively corresponding to the second user devices. The system may track respective locations of the second user devices relative to the first user device, and may modify the GUI by repositioning the icons in the GUI based on the respective locations of each second user device relative to the first user device. The system may receive a request, from the first user device, to transfer data to a second user device of the second user devices based on a current position of an icon associated with the second user device in the modified GUI. The system may then transfer the data to the second user device.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
  • G06F 3/0486 - Drag-and-drop
  • G06T 11/00 - 2D [Two Dimensional] image generation

79.

SYSTEMS AND METHODS FOR EXPANDING DATA CLASSIFICATION USING SYNTHETIC DATA GENERATION IN MACHINE LEARNING MODELS

      
Application Number 18471669
Status Pending
Filing Date 2023-09-21
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Walters, Austin
  • Goodsitt, Jeremy
  • Truong, Anh

Abstract

Systems and methods for classifying data are disclosed. For example, a system may include at least one memory storing instructions and at least one processor configured to execute the instructions to perform operations. The operations may include receiving training data comprising a class. The operations may include training a data classification model using the training data to generate a trained data classification model. The operations may include receiving additional data comprising labeled samples of an additional class not contained in the training data. The operations may include creating a synthetic data generator. The operations may include training the synthetic data generator to generate synthetic data corresponding to the additional class. The operations may include generating a synthetic classified dataset comprising the additional class. The operations may include retraining the trained data classification model using the synthetic classified dataset.

IPC Classes  ?

  • G06N 3/088 - Non-supervised learning, e.g. competitive learning
  • G06N 3/045 - Combinations of networks

80.

METHODS AND SYSTEMS FOR POPULATING APPLICATION-SPECIFIC INFORMATION USING OVERLAY APPLICATIONS

      
Application Number 18509971
Status Pending
Filing Date 2023-11-15
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Adler, Matthew
  • Barrett, Casey
  • Beyl, Madeline

Abstract

Methods and systems are described herein for populating application-specific information using overlay applications. For example, in order to relieve some of the difficulties users face in inputting information into mobile devices which may have smaller screen sizes and may not feature dedicated input mechanisms, the methods and systems described herein automatically populate application-specific information. The methods and systems do this using an application that presents an application overlay feature. That is, the application is accessible while a user is using another application (e.g., on the mobile device) and/or while a user is scrolling through other applications.

IPC Classes  ?

  • G06F 40/174 - Form filling; Merging
  • G06F 3/04817 - Interaction techniques based on graphical user interfaces [GUI] based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance using icons
  • G06F 3/04842 - Selection of displayed objects or displayed text elements
  • G06F 9/54 - Interprogram communication

81.

Authentication of a Physical Credential

      
Application Number 18511297
Status Pending
Filing Date 2023-11-16
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Johnson, Clayton
  • Tesser, Daniel
  • De La Rosa, Luis
  • Wieker, Jeffrey

Abstract

Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

IPC Classes  ?

  • G06F 21/36 - User authentication by graphic or iconic representation
  • B42D 25/23 - Identity cards
  • B42D 25/309 - Photographs
  • B42D 25/333 - Watermarks
  • G06V 10/22 - Image preprocessing by selection of a specific region containing or referencing a pattern; Locating or processing of specific regions to guide the detection or recognition
  • G06V 10/60 - Extraction of image or video features relating to illumination properties, e.g. using a reflectance or lighting model
  • G06V 10/75 - Image or video pattern matching; Proximity measures in feature spaces using context analysis; Selection of dictionaries
  • G06V 30/40 - Document-oriented image-based pattern recognition

82.

CARD AND METHOD FOR MAKING THE SAME

      
Application Number 18514048
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor Suthar, Om J.

Abstract

A transaction card construction and a method for making transaction cards provides increased security for transaction card magnetic strips. The transaction card construction includes a card inlay and a clear card body. The card inlay is formed via a lamination press process with the magnetic strip attached to a back surface of the card inlay. The card body may have a window through which a data storage element may be exposed for accessing, such as by a magnetic stripe reader or EMV chip reader. The card body may be formed by adhering the card inlay to the clear card body.

IPC Classes  ?

  • G06K 19/06 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
  • G06K 19/02 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the selection of materials, e.g. to avoid wear during transport through the machine
  • G06K 19/04 - Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the shape
  • G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier

83.

FRAUD MITIGATION VIA WIRELESS COMMUNICATION OF DYNAMIC TRANSACTION CARDS

      
Application Number 18514256
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Walters, Austin
  • Pham, Vincent
  • Goodsitt, Jeremy

Abstract

Systems and methods disclosed herein provide fraud mitigation via dynamic transaction card wireless communication. A mobile device may cause a dynamic transaction card to periodically scan its environment to detect wireless enabled devices proximately located near the dynamic transaction card. Based on identifying the wireless enabled devices frequently located near the dynamic transaction card, a set of approved devices may be determined. During a transaction, a dynamic transaction card may scan its environment for other wireless enabled devices proximately located near the dynamic transaction card. If wireless enabled devices detected by the dynamic transaction card are all, or a subset, of the devices that are frequently located near the card, then the transaction may be authorized. However, if the wireless enabled devices detected by the dynamic transaction card are not all, or a subset, of the devices that are frequently located near the card, then the transaction may be unauthorized.

IPC Classes  ?

  • G06Q 30/018 - Certifying business or products
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
  • H04W 4/80 - Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
  • H04W 12/12 - Detection or prevention of fraud

84.

DETERMINING MERCHANT ENFORCED TRANSACTION RULES

      
Application Number 18514548
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Benkreira, Abdelkader M'Hamed
  • Butler, Taurean
  • Vukich, Adam

Abstract

Systems as described herein determine merchant enforced transaction rules. A determination server may receive transaction data associated with a plurality of merchants. The determination server may generate a histogram of payments associated with a merchant category and filter out transaction data having purchase amounts above or below a predetermined threshold. The determination server may determine a first average purchase amount associated with merchants in the merchant category and a second average purchase amount associated with each merchant in the merchant category. The determination server may determine user spending patterns and that a first merchant in the merchant category enforces one or more card-based transaction rules using machine learning models. After determining that a user device is proximately located to the first merchant, a notification indicating the one or more card-based transaction rules associated with the first merchant may be sent to the user device.

IPC Classes  ?

  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06N 20/00 - Machine learning

85.

TOKENIZING A PRIMARY ACCOUNT NUMBER PRIOR TO TRANSMISSION TO A TERMINAL

      
Application Number 18515742
Status Pending
Filing Date 2023-11-21
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Zarakas, James
  • Locke, Tyler

Abstract

In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.

IPC Classes  ?

  • G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
  • G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
  • G06Q 20/20 - Point-of-sale [POS] network systems
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

86.

SYSTEMS AND METHODS FOR VIRTUAL CERTIFICATION NUMBER REGISTRATION

      
Application Number US2023073291
Publication Number 2024/054779
Status In Force
Filing Date 2023-09-01
Publication Date 2024-03-14
Owner CAPITAL ONE SERVICES, LLC (USA)
Inventor
  • Brown, Kelly, Jo
  • Emery, Jesse
  • Blocksom, Jonathan
  • Mandala, Swapna
  • Safford, Todd
  • Yang, Victoria
  • Glowniak, Brian
  • Husa, Edward
  • Sun, Calvin
  • Zhang, Audrey

Abstract

Systems and methods include registering use of a virtual certification number (VCN) at a secure entity by receiving, at an external gateway, a registration request comprising an external request code and a primary account number (PAN), wherein the external request code is unique to the secure entity, determining that the external request code is an unregistered external request code, receiving a tokenized PAN based on the PAN, receiving an account identifier by applying the tokenized PAN to a certification mechanism tool application programing interface (API), generating a certification mechanism reference identifier by encrypting a certification mechanism associated with the account identifier and the tokenized PAN, updating a database to associate the certification mechanism reference identifier with the external request code, and transmitting, via the external gateway, a registration authentication to an external entity, the registration authentication comprising the external request code.

IPC Classes  ?

  • G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof

87.

CONTACTLESS CARD PERSONAL IDENTIFICATION SYSTEM

      
Application Number 18232493
Status Pending
Filing Date 2023-08-10
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Osborn, Kevin
  • Chigurupati, Srinivasa
  • Rule, Jeffrey

Abstract

A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodiments, the cryptogram may be formed at least in part using the personal identification number (PIN) stored on the contactless card encoded using a dynamic key stored by the contactless card and uniquely associated with the client. Authentication may be achieved by comparing the cryptogram formed using the PIN against an expected cryptogram generated an expected PIN and an expected dynamic key.

IPC Classes  ?

  • G07F 7/10 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card together with a coded signal
  • G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
  • G06K 19/077 - Constructional details, e.g. mounting of circuits in the carrier

88.

OUTSTANDING CHECK ALERT

      
Application Number 18376146
Status Pending
Filing Date 2023-10-03
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor Lowe, Kevin M.

Abstract

Systems as described herein generate an outstanding check alert. An alert generating server may receive transaction records associated with a plurality of checking accounts. The alert generating server may user a first machine learning classifier to determine a transaction pattern indicating a merchant has failed to process outstanding checks for a period of time. The alert generating server may receive sequential check information comprising at least one missing check number associated with a particular checking account. The alert generating server may user a second machine learning classifier to determine at least one outstanding check associated with the particular checking account. The alert generating server may send an alert indicating the at least one outstanding check to a user device.

IPC Classes  ?

  • G06Q 40/12 - Accounting
  • G06F 18/214 - Generating training patterns; Bootstrap methods, e.g. bagging or boosting
  • G06F 40/205 - Parsing
  • G06N 20/00 - Machine learning
  • G06Q 20/04 - Payment circuits
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

89.

Systems and Methods for Determining Transaction Locations

      
Application Number 18379940
Status Pending
Filing Date 2023-10-13
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Fort, Pavel
  • Veenstra, Andrew
  • Mitchko, Natasha

Abstract

Systems and methods for determining transaction locations are disclosed. In one embodiment, a method includes receiving, from a computing terminal, information indicating the completion of a transaction associated with a mobile device, sending, to the mobile device, a confirmation of the completion of the transaction, receiving, from the mobile device, location information indicating latitude and longitude information of the mobile device, confirming that the location information is within a predetermined distance of a stored location of the computing terminal, updating the location information associated with the computing terminal to include the received location information, and determining, based on the location information associated with the computing terminal, a location of the computing terminal.

IPC Classes  ?

  • G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
  • H04W 4/029 - Location-based management or tracking services

90.

SYSTEM AND METHOD FOR CAPTURING SALES TAX DEDUCTION INFORMATION FROM MONETARY CARD TRANSACTIONS

      
Application Number 18470598
Status Pending
Filing Date 2023-09-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Fox, Eric D.
  • Gregory, Jr., Robert W.

Abstract

Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account. The sales tax information may be received electronically from, for example, a merchant or a point of sale device. A determination may be made whether there is any missing sales tax information. If there is missing information a request may be generated and sent to a source having the information. The source may receive the request, retrieve the desired information, and transmit it to the requesting entity. The sales tax information may be stored and later retrieved for presentation to a user, such as the account holder. The account holder may use the information in completing a tax return.

IPC Classes  ?

91.

SECURE AUTHENTICATION OF A USER

      
Application Number 18507465
Status Pending
Filing Date 2023-11-13
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Goodsitt, Jeremy
  • Walters, Austin
  • Abad, Fardin Abdi Taghi
  • Watson, Mark
  • Truong, Anh
  • Pham, Vincent
  • Farivar, Reza

Abstract

A device detects a communication involving a user associated with an account and a service representative, and sends, to a user device associated with the account, an authentication notification that causes the user device to display an authentication field for the user. The device sends, to a service representative device associated with the service representative, a message that indicates that the service representative is to request, via the communication, the user to enter personal information associated with the user into the authentication field, where the user device is configured to generate a first authentication code based on a user input received from the user device in the authentication field. The device generates a second authentication code based on personal information associated with the account from a data structure, receives the first authentication code, and performs an action based on the first authentication code and the second authentication code.

IPC Classes  ?

  • H04L 9/40 - Network security protocols
  • H04L 9/06 - Arrangements for secret or secure communications; Network security protocols the encryption apparatus using shift registers or memories for blockwise coding, e.g. D.E.S. systems
  • H04L 9/32 - Arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system
  • H04M 3/51 - Centralised call answering arrangements requiring operator intervention

92.

UTILIZING MACHINE LEARNING AND TRANSACTION DATA TO DETERMINE FUEL PRICES AT FUEL STATIONS

      
Application Number 18508392
Status Pending
Filing Date 2023-11-14
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Zarakas, James
  • Vukich, Adam
  • Johnson, Molly

Abstract

A fuel price determination system may receive transaction data identifying purchases, made with transaction cards and mobile transaction card applications of client devices, of fuel at fuel stations. The fuel price determination system may receive location data identifying locations associated with users of the client devices and the transaction cards, and user history data associated with prior purchases of fuel at fuel stations by the users. The fuel price determination system may process the transaction data, location data, and user history data, with a machine learning model, to determine fuel prices at the fuel stations. The fuel price determination system may determine a ranked list of particular fuel stations in a geographical area based on the fuel prices and populate, based on the location data and the ranked list, a map to identify the particular fuel stations and the fuel prices at the particular fuel stations.

IPC Classes  ?

93.

DEVICES AND METHODS FOR PROVIDING EMERGENCY INFORMATION USING A PAYMENT CARD

      
Application Number 18511041
Status Pending
Filing Date 2023-11-16
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Edwards, Joshua
  • Benkreira, Abdelkader
  • Mossoba, Michael

Abstract

A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

IPC Classes  ?

  • G06K 7/10 - Methods or arrangements for sensing record carriers by corpuscular radiation
  • G06K 19/07 - Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards with integrated circuit chips
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • H04W 12/63 - Location-dependent; Proximity-dependent

94.

AUTOMATED SEQUENTIAL SITE NAVIGATION

      
Application Number 18514441
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Duke, Robert
  • Engle, Ryan
  • Peck, Ryan
  • Coon, Jonathan

Abstract

A website is navigated automatically in a sequential manner, for example by performing a series of specific network requests in a specified order, without necessarily using a browser, and without necessarily rendering each web page in the sequence. Interactions with a website are automatically recorded, stored, and analyzed. Requests and responses can be associated with particular input/output operations. Based on the analysis, the system can determine what data is expected by web servers, so that it can effectively simulate browser operations in connection with those web servers, and extract useful information from the data received in response to those operations. Thus, data extraction and/or other operations can be performed more efficiently and more quickly, while reducing the computing resources needed.

IPC Classes  ?

  • G06F 16/245 - Query processing
  • G06F 16/95 - Retrieval from the web
  • G06F 16/958 - Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
  • G06Q 30/0601 - Electronic shopping [e-shopping]
  • H04L 67/01 - Protocols
  • H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
  • H04L 67/10 - Protocols in which an application is distributed across nodes in the network
  • H04L 67/564 - Enhancement of application control based on intercepted application data
  • H04L 67/567 - Integrating service provisioning from a plurality of service providers
  • H04L 67/60 - Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources

95.

IDENTITY BREACH NOTIFICATION AND REMEDIATION

      
Application Number 18514698
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Olenoski, Michelle
  • Johnson, Clayton
  • Brown, Jeffrey
  • Kolli, Venkata Ph

Abstract

In one aspect, the present disclosure relates to a method for improved security in a networked computing environment, the method comprising: receiving, from a user device, a registration request comprising a user identifier for a user; receiving, from the user device, user credentials to access one or more online accounts associated with the user; accessing the one or more online accounts to retrieve user activity data for the user; analyzing the retrieved user activity data to determine one or more merchants associated with the user; storing, in a database coupled to a server device, a mapping between the user and the one or more merchants; receiving, from a monitoring service, an indication that a first merchant of the one or more merchants has experienced a data breach; and sending a notification to the user in response to determining that the first merchant has experienced a data breach.

IPC Classes  ?

  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • H04L 9/40 - Network security protocols
  • H04W 4/12 - Messaging; Mailboxes; Announcements
  • H04W 12/12 - Detection or prevention of fraud

96.

SYSTEM AND METHOD FOR REDEEMING A REWARD

      
Application Number 18515064
Status Pending
Filing Date 2023-11-20
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Lambert, Gregory Willard
  • Spiegel, Philip John

Abstract

Systems and methods for redeeming a reward held by an individual are described. A method for redeeming a reward includes determining threshold criteria for provision of a targeted reward redemption offer, identifying at least one individual based upon the threshold criteria, determining the targeted reward redemption offer, and providing the targeted reward redemption offer to the identified individual. A response to the provided targeted reward redemption offer may be received, and an account of the identified individual may be adjusted in accordance with the targeted reward redemption offer and the received response.

IPC Classes  ?

  • G06Q 30/0251 - Targeted advertisements
  • G06Q 30/02 - Marketing; Price estimation or determination; Fundraising

97.

ADAPTIVE ARTIFICIAL INTELLIGENCE SYSTEMS AND METHODS FOR TOKEN VERIFICATION

      
Application Number 18515410
Status Pending
Filing Date 2023-11-21
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Fenichel, Allison
  • Elder, Brice
  • Gupta, Varun

Abstract

Systems and methods for adaptive token verification are disclosed. For example, a system may include at least one memory storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include training a verification model to verify tokenized requests based on system identifiers. The operations may include receiving a tokenized request from an external system, the request comprising a system identifier of the external system. The operations may include generating output of the verification model based on the system identifier, and, based on the output, performing one of granting the request or blocking the request.

IPC Classes  ?

98.

AUTOMATED MULTI-PARTY EVENT AND TRANSACTION DECISIONING SYSTEM

      
Application Number 18517736
Status Pending
Filing Date 2023-11-22
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Bantanur, Vijay Sahebgouda
  • Balasubramanian, Muralidharan
  • Dallen, Julie

Abstract

Methods, systems, devices, and computer-readable media for detecting multi-party events and transactions are provided. User data may be monitored to detect data associated with an event involving multiple individuals, such as by identifying transaction data associated with certain types of merchants and/or scheduling, calendar, or correspondence data indicative of an event. The data may be further analyzed to identify a date, location, and/or parties associated with the event. A multi-party event may be generated. The user data may continue to be monitored to identify transactions associated with multiple parties and occurring during a time and/or at a location of the event. At a conclusion of the event, the transactions may be aggregated and an optimal payment scheme may be determined for settlement of the transactions between the parties. In accordance with the determined payment scheme, delegation of portions of the aggregated transactions may be initiated for settlement amongst the parties.

IPC Classes  ?

  • G06Q 20/04 - Payment circuits
  • G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
  • G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

99.

RESTRICTING ACCESS BASED ON VOICE COMMUNICATION PARAMETERS

      
Application Number 18517984
Status Pending
Filing Date 2023-11-22
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Smith-Rose, Asher
  • Maiman, Tyler
  • Cheng, Lin Ni Lisa
  • Shah, Salik

Abstract

Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.

IPC Classes  ?

  • H04M 1/663 - Preventing unauthorised calls to a telephone set
  • G10L 15/26 - Speech to text systems
  • H04M 1/57 - Arrangements for indicating or recording the number of the calling subscriber at the called subscriber's set
  • H04M 1/72469 - User interfaces specially adapted for cordless or mobile telephones for operating the device by selecting functions from two or more displayed items, e.g. menus or icons
  • H04M 3/42 - Systems providing special services or facilities to subscribers
  • H04M 3/436 - Arrangements for screening incoming calls

100.

SYSTEMS AND METHODS FOR USER CHARACTERISTIC DETERMINATION THROUGH CRYPTOGRAPHIC TOKENIZED DATA

      
Application Number 17931517
Status Pending
Filing Date 2022-09-12
First Publication Date 2024-03-14
Owner Capital One Services, LLC (USA)
Inventor
  • Rapowitz, Samuel
  • Duque, Julian
  • Shanker, Purva
  • Liu, Dennis

Abstract

The invention relates to generating cryptographic tokens based on characteristic determination. The system may generate and transmit a request for encrypted records from a blockchain node, receive the encrypted records from the blockchain node, decrypt the encrypted records into payload identifiers, retrieve sets of item identifiers based on the payload identifiers, determine characteristics associated with the sets of items, and generate a new cryptographic token that indicates the characteristics.

IPC Classes  ?

  • G06F 21/60 - Protecting data
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
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