Capital One Services, LLC.

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Date
Nouveautés (dernières 4 semaines) 3
2022 janvier (MACJ) 2
2021 décembre 2
2021 novembre 3
2021 octobre 3
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Classe IPC
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives 41
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques 39
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques 34
G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne 33
G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré 31
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Statut
En Instance 406
Enregistré / En vigueur 14
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1.

SYSTEMS AND METHODS FOR SECURING LOGIN ACCESS

      
Numéro de document 03122376
Statut En instance
Date de dépôt 2021-06-15
Date de disponibilité au public 2022-01-10
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Farivar, Reza
  • Rafferty, Galen
  • Truong, Anh
  • Pham, Vincent
  • Watson, Mark
  • Goodsitt, Jeremy Edward

Abrégé

The disclosed systems and methods may receive a first salted password having a first password, a first user device identifier, and a first browser identifier, extract the first password, the first user device identifier, and the first browser identifier from the first salted password, and determine whether the first password, the first user device identifier, and the first browser identifier respectively match a stored first password, a stored first user device identifier, and a stored first browser identifier. The systems may grant the request to access the one or more resources for the first user device or perform other actions depending on whether the first password, the first user device identifier, and the first browser identifier respectively match the stored first password, the stored first user device identifier, and the stored first browser identifier.

Classes IPC  ?

  • G06F 21/31 - Authentification de l’utilisateur
  • G06F 21/45 - Structures ou outils d’administration de l’authentification

2.

SECURITY DEVICES, SYSTEMS, AND METHODS FOR DYNAMIC TRANSACTION CARDS

      
Numéro de document 03119642
Statut En instance
Date de dépôt 2021-05-26
Date de disponibilité au public 2022-01-02
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Zarakas, James
  • Johnson, Molly
  • Vukich, Adam

Abrégé

A dynamic transaction card including: one or more light emitting elements; a transceiver; and an embedded microprocessor configured to: receive, from a transaction terminal, a location information corresponding to a current location of the transaction terminal; wirelessly transmit, via the transceiver and to a mobile device, the location information; receive an indication that a location-specific security concern exists; and in response to receiving the indication, control the one or more light emitting elements to display a visual indication corresponding to the location-specific security concern.

Classes IPC  ?

  • G06K 19/073 - Dispositions particulières pour les circuits, p.ex. pour protéger le code d'identification dans la mémoire
  • H04W 4/02 - Services utilisant des informations de localisation
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • H04W 12/63 - Sécurité dépendant du contexte dépendant de la proximité

3.

METHODS AND SYSTEMS FOR GENERATING LOCATION-BASED GUIDANCE BASED ON INTERIOR CONDITIONS AT A PLURALITY OF LOCATIONS

      
Numéro de document 03118900
Statut En instance
Date de dépôt 2021-05-14
Date de disponibilité au public 2021-12-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Anasta, Jude
  • Yee, Claudia
  • Master, Alan
  • Tsanev, Tsanyo
  • Jobe, Jason

Abrégé

ABSTRACT OF THE DISCLOSURE Methods and systems are discussed for location-based guidance based on interior conditions at a plurality of locations. For example, the system may receive, from a user device of a user, a user request to access a first service. The system may retrieve a plurality of locations that provide the first service. The system may retrieve an average density for respective first queuing areas at each of the plurality of locations at a first time interval, wherein the respective first queuing areas correspond to respective portions at each of the plurality of locations reserved for queuing users for the first service. The system may determine whether the average density for the respective first queuing areas at each of the plurality of locations at the first time interval exceeds a threshold average density. The system may, in response to determining a subset of the plurality of locations where the average density for the respective first queuing areas at the first time interval exceed the threshold average density, generate for display, on the user device, a recommendation for a location from the subset at which to access the first service at the first time interval. 28 Date Recue/Date Received 2021-05-14

Classes IPC  ?

  • G16Z 99/00 - Matière non prévue dans les autres groupes principaux de la présente sous-classe
  • G06Q 50/10 - Services

4.

SYSTEMS FOR IDENTIFYING THE ANSWERING PARTY OF AN AUTOMATED VOICE CALL

      
Numéro de document 03113794
Statut En instance
Date de dépôt 2021-03-31
Date de disponibilité au public 2021-12-09
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Benkreira, Abdelkader
  • Edwards, Joshua
  • Mossoba, Michael

Abrégé

Disclosed herein are systems and methods for determining whether an automated telephone call has been answered by a particular user, a different person, or a voicemail service. In response to determining that the call has been answered by the user, a different person, or a voicemail service, the systems and methods can output different respective messages, initiate messaging to the user via alternate communication paths, or perform other actions.

Classes IPC  ?

  • H04M 3/46 - Dispositions pour appeler plusieurs sous-stations dans un ordre déterminé jusqu'à ce qu'une réponse soit obtenue
  • G10L 17/26 - Reconnaissance de caractéristiques spéciales de voix, p.ex. pour utilisation dans les détecteurs de mensonge; Reconnaissance des voix d’animaux
  • G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine 
  • H04M 3/533 - Systèmes de messagerie vocale

5.

SECURING CONFIDENTIAL INFORMATION DURING A TELECOMMUNICATION SESSION

      
Numéro de document 03117971
Statut En instance
Date de dépôt 2021-05-11
Date de disponibilité au public 2021-11-13
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Tessler, Leeyat Bracha
  • Johnson, Kyle
  • Gulati, Latika

Abrégé

Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Classes IPC  ?

  • H04M 1/68 - Circuits pour empêcher l'écoute indiscrète
  • H04W 12/02 - Protection de la confidentialité ou de l'anonymat
  • H04W 12/06 - Authentification
  • H04L 9/06 - Dispositions pour les communications secrètes ou protégées l'appareil de chiffrement utilisant des registres à décalage ou des mémoires pour le codage par blocs, p.ex. système DES
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04M 1/66 - COMMUNICATIONS TÉLÉPHONIQUES Équipement de sous-station, p.ex. pour utilisation par l'abonné avec des moyens pour empêcher les appels non autorisés ou faux appels
  • G10L 13/00 - Synthèse de la parole; Systèmes de synthèse de la parole à partir de texte

6.

SYSTEM, METHOD AND COMPUTER-ACCESSIBLE MEDIUM FOR EARLY MERCHANT BREACH FRAUD DETECTION

      
Numéro de document 03117642
Statut En instance
Date de dépôt 2021-05-10
Date de disponibilité au public 2021-11-12
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Fort, Paul
  • Marr, Andrew
  • Chen, Dean
  • Moreton, Paul
  • Reedy, Matthew
  • Gilling, John

Abrégé

An exemplary system, method, and computer-accessible medium can include receiving financial information related to a transaction(s) at a first merchant, where the transaction(s) can be based on a financial instrument that can be associated with a second merchant, and where the first merchant can be different than the second merchant, declining the transaction(s), and determining a breach at the second merchant based on the transaction(s). The financial instrument can be a virtual credit card number. The virtual credit card number can be bound to the second merchant. A further transaction(s) can be received at (i) the first merchant or a (ii) third merchant, where the further transaction(s) can be based on (i) the financial instrument or (ii) a further financial instrument that can be associated with the second merchant, and where the third merchant can be different than the second merchant and the first merchant.

Classes IPC  ?

  • G06Q 20/24 - Schémas de crédit, c. à d. de "paiement différé"
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

7.

USER REGISTRATION BASED ON UNSUPERVISED LEARNING CLASSIFICATION

      
Numéro de document 03117861
Statut En instance
Date de dépôt 2021-05-10
Date de disponibilité au public 2021-11-11
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Olenoski, Michelle S.

Abrégé

Aspects described herein may relate to methods, systems, and apparatuses for applying machine learning techniques as part of registering, for a user, a payment card with at least one account of a merchant. The machine learning technique may be an unsupervised learning classifier that is configured to determine classifications of merchant groups and/or user groups. Based on a classification, the user may be able to select which merchants to register the payment card. Based on the selection, the payment card may be registered with the user's account at the selected merchants. Further, the registration may be performed based on virtual payment card information configured for use with the merchant. The virtual payment card information may be configured to initiate transactions only with the merchant.

Classes IPC  ?

  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06N 20/00 - Apprentissage automatique
  • G06Q 30/00 - Commerce, p.ex. achat ou vente, ou commerce électronique

8.

SYSTEMS AND METHODS FOR DATA ACCESS CONTROL USING A SHORT-RANGE TRANSCEIVER

      
Numéro de document 03108475
Statut En instance
Date de dépôt 2021-02-09
Date de disponibilité au public 2021-10-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Ilincic, Rajko

Abrégé

Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. An exemplary system and method may include establishing a database storing information for a plurality of accounts, receiving from a client device of the second account holder an account link request to link a first account with a second account, the account link request generated in response to a tap action between a contactless card and the client device, transmitting to a client device of the first account holder a link approval request to approve the account link request, receiving from the first account holder client device, a link approval message generated in response to an indication by the first account holder approving the account link request, and transmitting to the second account holder client device an account link.

Classes IPC  ?

  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G06F 21/35 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes communiquant sans fils

9.

CONTACTLESS CARD WITH MULTIPLE ROTATING SECURITY KEYS

      
Numéro de document 03110585
Statut En instance
Date de dépôt 2021-02-26
Date de disponibilité au public 2021-10-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Osborn, Kevin
  • Chigurupati, Srinivasa

Abrégé

A contactless card can include a plurality of keys for a specific operation, e.g., encryption or signing a communication. The contactless card can also include an applet which uses a key selection module. The key selection module can select one of the plurality of keys and the applet can use the key to, e.g., encrypt or sign a communication using an encryption or signature algorithm. The contactless card can send the encrypted or signed communication to a host computer through a client device. The host computer can repeat the key selection technique of the contactless device to select the same key and thereby decrypt or verify the communication.

Classes IPC  ?

  • H04W 12/04 - Gestion des clés
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • H04W 12/033 - Protection de la confidentialité, p.ex. par chiffrement du plan utilisateur, p.ex. trafic utilisateur

10.

SYSTEMS AND METHODS FOR MONITORING USER-DEFINED METRICS

      
Numéro de document 03116373
Statut En instance
Date de dépôt 2021-04-21
Date de disponibilité au public 2021-10-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Teo, Koon Heng Ivan
  • Sui, Qingyi
  • Shami, Mohammad
  • Kim, Yoonseong
  • San Martin Jorquera, Fernando
  • Perez Leon, Francisco

Abrégé

ABSTRACT Disclosed are systems and methods for monitoring user-defined metrics. A method may include: receiving, from a user device, a metric definition usable to generate queries to obtain data for a metric to be monitored; receiving, from the user device, a monitoring configuration indicative of a manner in which a metric monitoring process associated with the metric definition is to be repeatedly performed; storing the metric definition in a metric definition database; and repeatedly performing the metric monitoring process in accordance with the monitoring configuration. The metric monitoring process may include: retrieving the metric definition from the metric definition database; generating a database query based on the metric definition, the database query including one or more executable database statements defined by the metric definition; executing the database query to obtain query result data, the query result data being data for the metric; and storing the query result data. Date Recue/Date Received 2021-04-21

Classes IPC  ?

  • G06F 17/00 - TRAITEMENT ÉLECTRIQUE DE DONNÉES NUMÉRIQUES Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des fonctions spécifiques
  • G06F 16/903 - Requêtes

11.

ADAPTIVE ARTIFICIAL INTELLIGENCE SYSTEMS AND METHODS FOR TOKEN VERIFICATION

      
Numéro de document 03119507
Statut En instance
Date de dépôt 2021-03-17
Date de disponibilité au public 2021-09-17
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Fenichel, Allison
  • Elder, Brice
  • Gupta, Varun

Abrégé

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.

Classes IPC  ?

  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G06N 20/00 - Apprentissage automatique

12.

USING SPENDING HABITS TO OPTIMIZE ROUTE IN STORE

      
Numéro de document 03112980
Statut En instance
Date de dépôt 2021-03-08
Date de disponibilité au public 2021-09-13
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Taffer, Sam L.
  • Cottle, Seth Wilton
  • Tikoian, Kathryn

Abrégé

A method for route optimization is disclosed. The method may include receiving information of a plurality of transactions of a user. Each transaction may be associated with at least one of a plurality of items. The method may include analyzing the information to identify a user-specific periodic transaction pattern for each item, and generating a list including at least one of the plurality of items. The list may be generated based on the analyzed information. The at least one item in the list may be associated with at least two of the plurality of transactions of the user. The method may further include displaying the list to the user at a time corresponding to the periodic transaction pattern, and generating a route from a current location of the user to a location of each item in the list, ordered based on the location of each item in the list.

Classes IPC  ?

  • G06Q 30/00 - Commerce, p.ex. achat ou vente, ou commerce électronique
  • G06Q 10/04 - Prévision ou optimisation, p.ex. programmation linéaire, "problème du voyageur de commerce" ou "problème d'optimisation des stocks"

13.

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

      
Numéro de document 03111735
Statut En instance
Date de dépôt 2021-03-10
Date de disponibilité au public 2021-09-11
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Way, Brendan
  • Gibilterra, Kaylyn
  • Benkreira, Abdelkader M'Hamed

Abrégé

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.

Classes IPC  ?

  • H04M 3/436 - Dispositions pour intercepter des appels entrants
  • H04W 4/16 - Services supplémentaires liés aux communications, p.ex. transfert ou mise en attente d'appels
  • H04W 12/12 - Détection de fraude
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06F 40/20 - Analyse du langage naturel

14.

AGGREGATED SERVICE STATUS REPORTER

      
Numéro de document 03109311
Statut En instance
Date de dépôt 2021-02-16
Date de disponibilité au public 2021-08-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Burnett, Brian

Abrégé

Systems as described herein may include generating an aggregated service status report for a real-time service delivery platform. A plurality of services running in a service domain may be determined. A request for a status of system behavior corresponding to a particular service may be received. Service connection details of the particular service may be discovered and metric data of real-time data movement may be tracked. Real-time snapshot aggregation of the particular service may be provided. In a variety of embodiments, a real- time system behavior report for the service across availability zones may be presented.

Classes IPC  ?

  • H04L 41/142 - en utilisant des méthodes statistiques ou mathématiques
  • H04L 41/50 - Gestion des services réseau, p.ex. en assurant une bonne réalisation du service conformément aux accords
  • H04L 41/5009 - Détermination des paramètres de rendement du niveau de service ou violations des contrats de niveau de service, p.ex. violations du temps de réponse convenu ou du temps moyen entre l’échec [MTBF]
  • H04L 43/0811 - en vérifiant la connectivité
  • H04L 47/83 - basée sur la prédiction d'utilisation
  • H04L 67/51 - Découverte ou gestion de ceux-ci, p.ex. protocole de localisation de service [SLP] ou services du Web
  • H04L 67/52 - spécialement adaptés à l'emplacement du terminal utilisateur

15.

METHODS AND SYSTEMS FOR ANONYMIZING AND PROVIDING ACCESS TO TRANSACTION DATA

      
Numéro de document 03108195
Statut En instance
Date de dépôt 2021-02-04
Date de disponibilité au public 2021-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkader

Abrégé

A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.

Classes IPC  ?

  • G06Q 30/06 - Transactions d'achat, de vente ou de crédit-bail
  • G06F 21/60 - Protection de données

16.

SYSTEM AND METHOD FOR CONTROL OF SMART APPLIANCE OPERATION

      
Numéro de document 03105736
Statut En instance
Date de dépôt 2021-01-12
Date de disponibilité au public 2021-07-29
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Bermudez, Sophie
  • Shah, Salik

Abrégé

Privileged and Confidential Capital One IDF No. 3959 Attorney Work Product HAK Docket No. 067519.002090 SYSTEM AND METHOD FOR CONTROL OF SMART APPLIANCE OPERATION ABSTRACT In a method of controlling an operational parameter of a smart apparatus, a user processing device receives user-defined criteria for changing the operational parameter based on a financial parameter associated with an account. The user processing device obtains a value for the financial parameter from a financial institution server a value and determines whether the user- defined criteria have been met. Responsive to a determination that the user- defined criteria have been met, the user processing device transmits to the smart apparatus a first instruction to change the operational parameter. The user processing device may then receive an updated value for the financial parameter from the financial institution server and determine whether the user-defined criteria are no longer being met. Responsive to a determination that the user- defined criteria are no longer being met, the user processing device transmits to the smart apparatus a second instruction to change the operational parameter. 26 067519.0002090 EMF US 76246975v3 Date Recue/Date Received 2021-01-12

Classes IPC  ?

  • G05B 15/02 - Systèmes commandés par un calculateur électriques
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne

17.

METHODS AND SYSTEMS FOR DEMONSTRATING A PERSONALIZED AUTOMATED TELLER MACHINE (ATM) PRESENTATION

      
Numéro de document 03106221
Statut En instance
Date de dépôt 2021-01-14
Date de disponibilité au public 2021-07-17
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Van Beek Faletti, Stephen

Abrégé

ABSTRACT A computer-implemented method for demonstrating a personalized automated teller machine (ATM) presentation to a user may include: obtaining transaction data of the user via a device associated with the user; obtaining, via the one or more processors, geographic data of the user based on the transaction data; generating, via the one or more processors, ATM data based on the geographic data of the user; obtaining, via the one or more processors, user feedback data based on the ATM data, wherein the user feedback data comprises a selection of an ATM of the list of the ATMs; transmitting, to the selected ATM of the list of the ATMs, presentation data based on the transaction data and the user feedback data; and demonstrating, via the selected ATM of the list of the ATMs, the personalized ATM presentation to the user based on the presentation data. Date Recue/Date Received 2021-01-14

Classes IPC  ?

  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

18.

MULTI-FACTOR AUTHENTICATION PROVIDING A CREDENTIAL VIA A CONTACTLESS CARD FOR SECURE MESSAGING

      
Numéro de document 03126092
Statut En instance
Date de dépôt 2020-11-24
Date de disponibilité au public 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Osborn, Kevin

Abrégé

Exemplary embodiments may use a contactless card as a secondary form of authentication in a multi-factor authentication for a secure messaging service. The recipient party of a request to initiate a messaging service session (such as a server computing device) may be programmed to use the phone number of the originating device to look up records regarding an identity of a party and their associated phone number as a primary credential and then may require an authentication credential originating from the contactless card as a secondary credential for the initiating party. In some instances, the credential originating from the contactless card is a onetime password that is valid only for a period of time. The recipient party determines whether the onetime password is valid. If both credentials are valid, a secure messaging session may be initiated with the initiating party.

Classes IPC  ?

  • H04W 12/06 - Authentification
  • H04W 4/02 - Services utilisant des informations de localisation
  • H04W 4/14 - Services d'envoi de messages courts, p.ex. SMS ou données peu structurées de services supplémentaires [USSD]
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • H04W 76/14 - Gestion de la connexion Établissement de la connexion Établissement de la connexion en mode direct
  • H04W 12/47 - Dispositions de sécurité utilisant des modules d’identité utilisant la communication en champ proche [NFC] ou des modules d’identification par radiofréquence [RFID]

19.

CLUSTER-BASED SECURITY FOR NETWORK DEVICES

      
Numéro de document 03104384
Statut En instance
Date de dépôt 2020-12-29
Date de disponibilité au public 2021-06-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkader

Abrégé

PATENT Attorney Docket No.: 055288-0506401 ABSTRACT OF THE DISCLOSURE A system may include a first automated teller machine (ATM) and a second ATM, wherein the first ATM and the second ATM are in communication via a local area network. The first ATM obtains a user input value, generate an encryption key based on the user input value, and generates encrypted authentication information based on the encryption key. The first ATM also obtains a first biometric reading, updates a user record based on the first biometric reading, and stores the encrypted authentication information at the first ATM in association with the user record. The second ATM obtains a second biometric reading and a duplicate value, retrieves the encrypted authentication information associated with the user record based on the second biometric reading, generates a decryption key based on the duplicate value, and decrypts the encrypted authentication information to retrieve the authentication information. 4852-6599-8549.v1 Date Recue/Date Received 2020-12-29

Classes IPC  ?

  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

20.

SYSTEMS AND METHODS FOR ELECTRONIC VOTING

      
Numéro de document 03104310
Statut En instance
Date de dépôt 2020-12-29
Date de disponibilité au public 2021-06-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Edwards, Joshua
  • Benkreira, Abdelkader M'Hamed

Abrégé

101327-00036 ABSTRACT OF THE DISCLOSURE Computerized methods and systems for electronic voting are disclosed. Electronic voter registration information from a voting jurisdiction can be received. The electronic voter registration information can be matched to verified identity information for customers of the financial institution. Information indicating that the one or more customers are registered to vote at a polling location associated with the financial institution can be stored. Based on the stored information, the customers can be enabled to submit votes for the elections using computing devices associated with the financial institution. Date Recue/Date Received 2020-12-29

Classes IPC  ?

  • G07C 13/00 - Appareils à voter
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

21.

SYSTEMS AND METHODS FOR PERFORMING A REISSUE OF A CONTACTLESS CARD

      
Numéro de document 03116476
Statut En instance
Date de dépôt 2020-11-23
Date de disponibilité au public 2021-06-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Herrington, Daniel
  • Ilincic, Rajko

Abrégé

Attorney Docket No. 1988.0195W0 48 ABSTRACT Example embodiments relate to reissuing or otherwise altering a contactless card. These embodiments are particularly well-suited to an emergency reissue in which many cards have been compromised as the result of a data breach of a major credit card provider or depaitment store. An exemplary contactless card includes a chip that stores encrypted authentication information, including a primary account number (PAN) that identifies the card. The chip may include a first applet responsible making payments with the card; the first applet may manage the PAN. A second applet may be capable of interacting with an outside application, and may serve as a bridge to the first applet. A rewrite of the PAN may be triggered by issuing a write command to the second applet, or by interacting with the chip in a predetermined manner (e.g., tapping the card on an interactable element a predetermined number of times). Date &sii.yt/ataffNyetd 2021-04-28

Classes IPC  ?

  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré

22.

SECURE AUTHENTICATION BASED ON IDENTITY DATA STORED IN A CONTACTLESS CARD

      
Numéro de document 03121963
Statut En instance
Date de dépôt 2020-11-23
Date de disponibilité au public 2021-06-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Capurso, Nicholas
  • Edwards, Samuel
  • Pribble, Jason

Abrégé

Systems, methods, articles of manufacture, and computer-readable media for secure authentication based on identity data stored in a contactless card associated with an account. An application may receive an indication specifying to perfomi an operation. The application may receive encrypted data from the card, the encrypted data based on a cryptographic algorithm, a customer identifier, and a private key. The application may receive an indication that the authentication server verified the encrypted data based on the private key for the card. The application may detennine a type of data required to authorize the operation. The application may receive data comprising passport data or driver license data from the card. The application may determine that the data satisfies a rule for authorizing the operation and authorize performance of the operation based on the authentication server verifying the encrypted data and the data satisfying the at least one rule.

Classes IPC  ?

  • G06F 21/35 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes communiquant sans fils
  • H04W 12/033 - Protection de la confidentialité, p.ex. par chiffrement du plan utilisateur, p.ex. trafic utilisateur
  • H04W 12/069 - Authentification utilisant des certificats ou des clés pré-partagées
  • H04W 12/30 - Sécurité des dispositifs mobiles; Sécurité des applications mobiles

23.

STEGANOGRAPHIC IMAGE ENCODING OF BIOMETRIC TEMPLATE INFORMATION ON A CARD

      
Numéro de document 03122932
Statut En instance
Date de dépôt 2020-11-24
Date de disponibilité au public 2021-06-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Chigurupati, Srinivasa
  • Rule, Jeffrey

Abrégé

Various embodiments are generally directed to utilizing a steganographically encoded image with an offline and/or online verification or authentication protocol. A method for using the steganographic image can include: receiving or utilizing a steganographic image associated with a user at a third-party device, the steganographically encoded image including an identification of a user steganographically encoded with a fingerprint template of the user, and authenticating the user using the steganographically encoded image.

Classes IPC  ?

  • H04W 12/72 - Identité de l’abonné
  • H04W 12/069 - Authentification utilisant des certificats ou des clés pré-partagées
  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
  • G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
  • H04B 1/59 - Répondeurs; Transpondeurs
  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive

24.

SECURE PASSWORD GENERATION AND MANAGEMENT USING NFC AND CONTACTLESS SMART CARDS

      
Numéro de document 03121757
Statut En instance
Date de dépôt 2020-11-23
Date de disponibilité au public 2021-06-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Rule, Jeffrey

Abrégé

Various embodiments are directed to securely generating and managing passwords using a near-field communication (NFC) enabled contactless smart card. For example, a secure password may be generated by generating a random number via a random number generator of the contactless smart card and converting the random number to one or more human-readable characters. In another example, a secure cryptographic hash function of the contactless smart card may generate a hash output value, which may be converted to one or more human-readable characters. The human- readable characters may be used as the secure password or it may be transformed to add more layers of security and complexity.

Classes IPC  ?

  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • H04W 12/03 - Protection de la confidentialité, p.ex. par chiffrement
  • H04W 12/041 - Génération ou dérivation de clé
  • G06F 7/00 - Méthodes ou dispositions pour le traitement de données en agissant sur l'ordre ou le contenu des données manipulées
  • G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive

25.

METHOD FOR MAPPING NFC FIELD STRENGTH AND LOCATION ON MOBILE DEVICES

      
Numéro de document 03121956
Statut En instance
Date de dépôt 2020-11-23
Date de disponibilité au public 2021-06-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Wurmfeld, David

Abrégé

Various embodiments are directed to a method and system for mapping or visualizing the magnetic fields and their associated field strengths of an object, such as a mobile computing device. An example source of the magnetic fields may be a near-field communication (NFC) reader configured in the object. A computer vision system or device may track a visual marker arranged near or on a magnetic field strength detector in order to associate, match, or map the magnetic field strength measurement readings of the detector at different positions or locations on the object. The computer vision system may generate and display a heat map of the object based on at least the magnetic field strength measurements and their relative positions.

Classes IPC  ?

  • G01R 33/10 - Tracé par points de la répartition de champ

26.

AUTHENTICATION FOR THIRD PARTY DIGITAL WALLET PROVISIONING

      
Numéro de document 03122948
Statut En instance
Date de dépôt 2020-11-23
Date de disponibilité au public 2021-06-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mchugh, Katherine
  • Newton, Lesley
  • Barrett, Casey
  • Zearfoss, Patrick

Abrégé

Various embodiments are directed to securely verifying an identity of a user who is requesting to add or link a financial instrument to a third-party digital wallet using one-tap contactless card authentication. The financial instrument may be added or linked to the third-party wallet in at least two scenarios: pull provisioning and push provisioning. In either provisioning scenarios, the user may be required to authenticate the financial instrument being added or linked by successfully verifying the identity of the user via the one-tap contactless card authentication at a banking application associated with the financial instrument.

Classes IPC  ?

  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

27.

SYSTEM AND METHOD FOR CONTROLLING ACCESS TO ACCOUNT TRANSACTION INFORMATION

      
Numéro de document 03101492
Statut En instance
Date de dépôt 2020-12-03
Date de disponibilité au public 2021-06-19
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Shah, Salik
  • Bermudez, Sophie

Abrégé

Attorney Docket No. 067519.0002088 ABSTRACT In a method of controlling account user access to transaction information for a joint account, a set of control criteria is stored in a control database. Information for a new transaction is received and stored in a transaction information database. An information limitation request to prevent access to the transaction information by a second account user for a withholding time interval is received from a first account user. An access limitation record including identification of the second account user and the withholding time interval is stored in the information control database. Upon receiving from a second account user a request for account information including the transaction information, a determination may be made as to whether the transaction information should be withheld from the second account user. Responsive to a determination that the transaction information should be withheld, a response excluding the transaction information is transmitted to the second user device. 31 Date Recue/Date Received 2020-12-03

Classes IPC  ?

  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G06F 16/90 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet - Détails des fonctions des bases de données indépendantes des types de données cherchés

28.

SYSTEMS AND METHODS FOR BINDING UNIQUE TOKENS WITH TRANSACTION PARAMETERS TO AUTHORIZE TRANSACTIONS

      
Numéro de document 03102154
Statut En instance
Date de dépôt 2020-12-09
Date de disponibilité au public 2021-06-09
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Gupta, Varun
  • Fenichel, Allison
  • Davis, Johanna

Abrégé

ABSTRACT A system for binding unique tokens with transaction parameters to authorize transactions based on monitoring user interactions with one or more applications on a user device. Upon monitoring the system determines first payment transaction initiation by a user at a merchant payment gateway associated with the one or more applications based on the monitoring. The system generates and displays on the user device a unique token based at least on an input received from the user device. The system receives the unique token as part of an authorization request. Upon receiving the unique token, the system identifies first transaction parameters associated with the first payment transaction and automatically binds the generated unique token with the identified first transaction parameters. Date Recue/Date Received 2020-12-09

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

29.

METHODS AND SYSTEMS FOR AUTOMATICALLY TESTING AND APPLYING CODES TO ELECTRONIC SHOPPING CARTS

      
Numéro de document 03101016
Statut En instance
Date de dépôt 2020-11-26
Date de disponibilité au public 2021-05-27
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Henderson, William George
  • Layton, Kace
  • Duncan, Dallas

Abrégé

ABSTRACT Disclosed are methods, systems, and non-transitory computer-readable medium for automatically testing and applying codes to electronic shopping carts. For instance, the method may include: monitoring a browsing session of a user on an e- commerce website; determining whether a trigger condition is present based on the monitoring; when the determining determines the trigger condition is present, automatically performing a code test process for a first set of codes to obtain a first test result, the first set of codes being one or more codes among a plurality of codes for the e- commerce website; and upon completion of the code test process for the first set of codes, displaying a first menu, the first menu including information corresponding to the first test result. Date Recue/Date Received 2020-11-26

Classes IPC  ?

  • G06Q 30/00 - Commerce, p.ex. achat ou vente, ou commerce électronique
  • G06Q 30/06 - Transactions d'achat, de vente ou de crédit-bail
  • G06F 3/0482 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] fondées sur des propriétés spécifiques de l’objet d’interaction affiché ou sur un environnement basé sur les métaphores, p.ex. interaction avec des éléments du bureau telles les fenêtres ou les icônes, ou avec l’aide d’un curseur changeant de comport interaction avec des listes d’éléments sélectionnables, p.ex. les menus

30.

CARDLESS ATM CONNECTIVITY FOR DENOMINATION SELECTION

      
Numéro de document 03098976
Statut En instance
Date de dépôt 2020-11-11
Date de disponibilité au public 2021-05-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Phillips, Jeremy J.
  • Awadallah, Ehab M.
  • Overend, Christopher

Abrégé

ABS TRACT Disclosed herein are system, method, and computer program product embodiments for providing denomination selection capabilities to account holders withdrawing funds via a cardless ATM system. An account holder may queue an ATM withdrawal in desired monetary denominations from a mobile application running on their mobile device. The account holder may subsequently scan a QR code displayed at an ATM using the mobile application and receive the desired monetary denominations from the ATM, all without using an ATM card. Two other approaches are provided to an account holder when queueing an ATM withdrawal that includes denominations. In a denomination-driven request, the account holder selects denominations first and then receives a list of proximate ATMs that can satisfy the denomination request. In a location-driven request, the account holder selects an ATM first and then can tailor the denomination request to the denominations available in the selected ATM. Date Recue/Date Received 2020-11-11

Classes IPC  ?

  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

31.

METHODS AND SYSTEMS FOR IDENTIFYING AND AUTHORIZING A USER BASED ON A MINI-GAME LOGIN

      
Numéro de document 03098576
Statut En instance
Date de dépôt 2020-11-06
Date de disponibilité au public 2021-05-07
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Truong, Anh
  • Pham, Vincent
  • Farivar, Reza
  • Watson, Mark
  • Goodsitt, Jeremy
  • Abdi Taghi Abad, Fardin

Abrégé

ABSTRACT A computer-implemented method is provided for verifying user authentication. An authentication server may receive from a network server device a login request that is associated with a user. The user may be assigned to a user category based on attributes of the user. An authentication game may be selected for the user based on the user category. The user may be assigned to a game play cluster for the selected authentication game. The authentication game may be sent to the network server device over a network for interaction with the user. A game result may be received from the network server device. Data representing the game paly results may be compared with corresponding one or more cluster classifiers. Based on the comparing, the authentication server may determine whether the game play results match the expected game play results. When the game play results match the expected game play results, the login request may be approved. Date Recue/Date Received 2020-11-06

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • G06F 21/31 - Authentification de l’utilisateur
  • A63F 13/80 - Adaptations particulières pour exécuter un genre ou un mode spécifique de jeu

32.

SYSTEMS AND METHODS FOR DISTORTING CAPTCHA IMAGES WITH GENERATIVE ADVERSARIAL NETWORKS

      
Numéro de document 03098185
Statut En instance
Date de dépôt 2020-11-05
Date de disponibilité au public 2021-05-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Pham, Vincent
  • Truong, Anh
  • Watson, Mark
  • Farivar, Reza
  • Abad, Fardin Abdi Taghi
  • Goodsitt, Jeremy
  • Walters, Austin

Abrégé

Attorney Docket No. 067519.0002195 ABSTRACT Systems and methods for distorting CAPTCHA images with generative adversarial networks include an image distortion interface that can select an image record from a database, determine the size of the selected image, and apply an adversarial attack algorithm to create an array of pixels that is the same size as the selected image so that the majority of the pixels in the array are zero values and the remaining pixels in the array are in the red-green- blue value range. The image distortion interface can merge the array of pixels with the selected image to form a distorted image. A server can include a CAPTCHA test interface that can select a set of images having the same label, retrieve corresponding distorted images, and provide a CAPTCHA test using the distorted images. The CAPTCHA test can use distorted images with different applied adversarial attack algorithms. 31 067519.0002195 ENT US 76421580v1 Date Recue/Date Received 2020-11-05

Classes IPC  ?

  • G06T 5/00 - Amélioration ou restauration d'image
  • G06F 21/36 - Authentification de l’utilisateur par représentation graphique ou iconique
  • G06F 16/50 - Recherche d’informations; Structures de bases de données à cet effet; Structures de systèmes de fichiers à cet effet de données d’images fixes

33.

TECHNIQUES AND SYSTEM FOR OPTIMIZATION DRIVEN BY DYNAMIC RESILIENCE

      
Numéro de document 03060095
Statut En instance
Date de dépôt 2019-10-24
Date de disponibilité au public 2021-04-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Gudka, Bhavik
  • Barnum, Eric

Abrégé

Disclosed are hardware and techniques for testing computer processes in a network system by simulating computer process faults and identifying risk associated with correcting the simulated fault and identifying computer processes that may depend on the corrected computer process. The interdependent computer processes in a network may be determined by evaluating a risk matrix having a risk score and non-functional requirement scores. An analysis of the risk score and non-functional requirement score accounts for interdependencies between computer processes and identified corrective actions that may be used to determine an optimal network environment. The optimal network environment may be updated dynamically based on changing computer process interdependencies and the determined risk and robustness scores.

Classes IPC  ?

  • G06F 11/30 - Surveillance du fonctionnement
  • G06F 11/36 - Prévention d'erreurs en effectuant des tests ou par débogage de logiciel

34.

TECHNIQUES TO IMPROVE EDGE DETECTION FOR IMAGES

      
Numéro de document 03060102
Statut En instance
Date de dépôt 2019-10-24
Date de disponibilité au public 2021-04-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy Edward
  • Walters, Austin Grant
  • Abdi Taghi Abad, Fardin
  • Taylor, Kenneth
  • Farivar, Reza
  • Pham, Vincent
  • Truong, Anh

Abrégé

Techniques to improve edge detection in images. Some techniques include logic to process image data into patched image data in accordance with a colorspace model where the patched image data includes color data in a plurality of patches and identify an image group corresponding to the patched image data. The logic may be further configured to select, based upon the image group, a colorspace transform mechanism being operative to transform the image data into transformed image data in accordance with another colorspace model, the other colorspace model having a higher likelihood than the colorspace model at edge detection for the image group. The logic may be further configured to apply the colorspace transform mechanism to the image data to generate the transformed image data in accordance with the other colorspace mode and then, apply an edge detection technique to the transformed image data. Other embodiments are described and claimed.

Classes IPC  ?

  • G06T 7/00 - Analyse d'image
  • G06T 7/13 - Détection de bords
  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
  • G06T 5/00 - Amélioration ou restauration d'image
  • G06T 5/40 - Amélioration ou restauration d'image en utilisant des techniques d'histogrammes

35.

TECHNOLOGY SYSTEM AUTO-RECOVERY AND OPTIMALITY ENGINE AND TECHNIQUES

      
Numéro de document 03060105
Statut En instance
Date de dépôt 2019-10-24
Date de disponibilité au public 2021-04-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Gudka, Bhavik
  • Avirneni, Surya
  • Barnum, Eric
  • Patel, Milind

Abrégé

Disclosed are hardware and techniques for correcting computer process faults by identifying risk associated with correcting a computer process fault and computer processes that may depend on the corrected computer process. The interdependent computer processes in a network may be determined by evaluating a stream of process break flags from a monitoring component coupled to the network. Each computer process break flag in the stream of computer process break flags indicates a process fault detected by the monitoring component and is correlated to a corrective response. The break flag and the corrective response are assigned a risk. A risk matrix accounts for interdependencies between computer processes and identified corrective actions. A final response strategy that corrects the computer process faults is determined using the assigned risk and computer system interdependence. A runbook stores the final response strategy, which may be updated based on changing computer process interdependencies and assigned risk.

Classes IPC  ?

  • G06F 11/30 - Surveillance du fonctionnement
  • G06F 9/44 - Dispositions pour exécuter des programmes spécifiques

36.

SYSTEMS AND METHODS FOR DYNAMICALLY MODIFYING VISUAL CONTENT TO ACCOUNT FOR USER VISUAL IMPAIRMENT

      
Numéro de document 03060132
Statut En instance
Date de dépôt 2019-10-24
Date de disponibilité au public 2021-04-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy
  • Truong, Anh
  • Watson, Mark
  • Abad, Fardin Abdi Taghi
  • Farivar, Reza
  • Walters, Austin

Abrégé

Embodiments disclosed herein provide for systems and methods of dynamically modifying visual content to account for user visual impairments. The systems and methods provide for a plurality of generative adversarial networks, each associated with a corresponding style transfer, wherein the style transfer uniquely transforms the color mapping of a content template based on responses to at least one visual impairment test.

Classes IPC  ?

  • G09B 21/00 - Moyens d'enseignement ou de communication destinés aux aveugles, sourds ou muets
  • G16Z 99/00 - Matière non prévue dans les autres groupes principaux de la présente sous-classe
  • A61B 3/06 - Appareils pour l'examen optique des yeux; Appareils pour l'examen clinique des yeux du type à mesure subjective, c. à d. appareils de d’examen nécessitant la participation active du patient pour examen de vision des couleurs
  • A61F 9/08 - Dispositifs ou méthodes permettant au patient de voir en remplaçant la perception directe de la vue par une autre
  • G06F 3/14 - Sortie numérique vers un dispositif de visualisation
  • G09G 5/02 - Dispositions ou circuits de commande de l'affichage communs à l'affichage utilisant des tubes à rayons cathodiques et à l'affichage utilisant d'autres moyens de visualisation caractérisés par la manière dont la couleur est visualisée
  • H04N 5/262 - Circuits de studio, p.ex. pour mélanger, commuter, changer le caractère de l'image, pour d'autres effets spéciaux

37.

TECHNIQUES FOR CALL AUTHENTICATION

      
Numéro de document 03125784
Statut En instance
Date de dépôt 2020-07-15
Date de disponibilité au public 2021-01-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Bhatt, Gaurang
  • Guo, Rocky
  • Cuan, Lukiih

Abrégé

Various embodiments described herein are directed towards authenticating calls by using one or more keys associated with a specific user. In examples, the user is the sender of a call. In various embodiments, when a call is made, an identifying payload is encrypted using a private key associated with the user. The encrypted identifying payload is appended to the call data stream. The identifying payload may be decrypted with a public key. In embodiments, the identifying payload may be verified. In various embodiments, further authentication methods may be performed by using an object such as a contactless card to provide one or more components of the identifying payload and/or keys. In embodiments, a connection may be made between the sender and the intended recipient of a call based on the verification of the identifying payload.

Classes IPC  ?

  • H04W 12/108 - Intégrité des sources
  • H04W 12/04 - Gestion des clés
  • H04W 12/06 - Authentification
  • H04W 12/08 - Sécurité d'accès
  • G10L 17/22 - Procédures interactives; Interfaces homme-machine
  • H04W 76/14 - Gestion de la connexion Établissement de la connexion Établissement de la connexion en mode direct
  • H04W 12/033 - Protection de la confidentialité, p.ex. par chiffrement du plan utilisateur, p.ex. trafic utilisateur
  • H04M 1/57 - Dispositions pour indiquer ou enregistrer le numéro de l'abonné demandeur à l'appareil de l'abonné demandé
  • H04M 3/42 - Systèmes fournissant des fonctions ou des services particuliers aux abonnés
  • H04M 3/436 - Dispositions pour intercepter des appels entrants
  • H04M 15/06 - Dispositions de comptage, de contrôle de durée ou d'indication de durée pour enregistrer des appels sous forme imprimée, perforée ou autre forme permanente pour enregistrer la catégorie ou le numéro d'un appelant ou d'un appelé

38.

FIRST FACTOR CONTACTLESS CARD AUTHENTICATION SYSTEM AND METHOD

      
Numéro de document 03121973
Statut En instance
Date de dépôt 2020-07-10
Date de disponibilité au public 2021-01-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossler, Lara
  • Newman, Kaitlin
  • Osborn, Kevin

Abrégé

A password-less authentication system and method include registering a contactless card of a client with an application service and binding the contactless card to one or more client devices. The contactless card advantageously stores a username and a dynamic password. Accesses by the client to the application service may be made using any client device, and authentication of the accesses may be performed by any client device that includes a contactless card interface and can retrieve the username and dynamic password pair from the contactless card. By storing the username on the card, rather than requiring user input, application security improved because access to and knowledge of login credentials is limited. In addition, the use of a dynamic password reduces the potential of malicious access.

Classes IPC  ?

  • G06F 21/31 - Authentification de l’utilisateur
  • H04W 12/041 - Génération ou dérivation de clé
  • H04W 12/069 - Authentification utilisant des certificats ou des clés pré-partagées
  • H04W 12/47 - Dispositions de sécurité utilisant des modules d’identité utilisant la communication en champ proche [NFC] ou des modules d’identification par radiofréquence [RFID]

39.

SYSTEM AND METHOD FOR GUIDING CARD POSITIONING USING PHONE SENSORS

      
Numéro de document 03121974
Statut En instance
Date de dépôt 2020-07-10
Date de disponibilité au public 2021-01-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Ilincic, Rajko
  • Hart, Colin
  • Herrington, Daniel
  • Osborn, Kevin

Abrégé

A position alignment system facilitates positioning of a contactless card in a sweet spot in a target volume relative to a contactless card reading device. Alignment logic uses information captured from available imaging devices such as infrared proximity detectors, cameras, infrared sensors, dot projectors, and the like to guide the card to a target location. The captured image information is processed to identify a card position, trajectory and predicted location using one or both of a machine learning model and/or a Simultaneous Localization and Mapping logic. Trajectory adjustment and prompt identification may be intelligently controlled and customized using machine-learning techniques to customize guidance based on the preference and/or historical behavior of the user. As a result, the speed and accuracy of contactless card alignment is improved and received NFC signal strength is maximized, thereby reducing the occurrence of dropped transactions.

Classes IPC  ?

  • G06T 7/70 - Détermination de la position ou de l'orientation des objets ou des caméras
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06T 7/246 - Analyse du mouvement utilisant des procédés basés sur les caractéristiques, p.ex. le suivi des coins ou des segments
  • G01B 11/00 - Dispositions pour la mesure caractérisées par l'utilisation de moyens optiques
  • G06K 7/01 - Méthodes ou dispositions pour la lecture de supports d'enregistrement - Détails
  • G06N 20/00 - Apprentissage automatique

40.

VERIFIED REVIEWS USING A CONTACTLESS CARD

      
Numéro de document 03123915
Statut En instance
Date de dépôt 2020-07-09
Date de disponibilité au public 2021-01-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Ilincic, Rajko

Abrégé

Systems, methods, articles of manufacture, and computer-readable media for verified reviews. An application may receive an indication to generate a review. An application programming interface (API) of the application may receive, from a communications interface of a contactless card, encrypted data generated by the contactless card. The API of the application may transmit, to an authentication server: the encrypted data, an indication of the application, and an identifier associated with the entity. The API of the application may receive indications specifying that the authentication server decrypted the encrypted data and determined that the contactless card was used to make a purchase with the entity. The application may permit, based on the indications received from the authentication server, generation of the review. The application may publish the review to one or more review platforms associated with the application.

Classes IPC  ?

  • G06Q 30/02 - Marketing, p.ex. études et analyse de marchés, prospection, promotions, publicité, établissement du profil des acheteurs, gestion ou fidélisation de clientèle; Estimation ou détermination des prix
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée

41.

TECHNIQUES TO PERFORM APPLET PROGRAMMING

      
Numéro de document 03124336
Statut En instance
Date de dépôt 2020-07-01
Date de disponibilité au public 2021-01-07
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Ilincic, Rajko
  • Rule, Jeffrey

Abrégé

Various embodiments are generally directed to techniques provide applets to transaction card. In embodiments, a transaction card may receive an applet signed with a verification signature. The transaction card may determine whether the verification signature matches one of the verification values stored on the memory, enable the applet including the instructions for execution by the processing circuitry in response to the determination the verification signature matches one of the verification values, and prevent enablement of the applet including the instructions for execution in response to the determination the verification signature does not match any of the verification values.

Classes IPC  ?

  • G06K 19/073 - Dispositions particulières pour les circuits, p.ex. pour protéger le code d'identification dans la mémoire
  • G06F 8/60 - Déploiement de logiciel
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

42.

DETERMINING PROBLEM DEPENDENCIES IN APPLICATION DEPENDENCY DISCOVERY, REPORTING, AND MANAGEMENT TOOL

      
Numéro de document 03144664
Statut En instance
Date de dépôt 2020-06-26
Date de disponibilité au public 2020-12-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Balasubramanian, Muralidharan
  • Barnum, Eric K.
  • Dallen, Julie
  • Watson, David

Abrégé

Techniques for monitoring operating statuses of an application and its dependencies are provided. A monitoring application may collect and report the operating status of the monitored application and each dependency. Through use of existing monitoring interfaces, the monitoring application can collect operating status without requiring modification of the underlying monitored application or dependencies. The monitoring application may determine a problem service that is a root cause of an unhealthy state of the monitored application. Dependency analyzer and discovery crawler techniques may automatically configure and update the monitoring application. Machine learning techniques may be used to determine patterns of performance based on system state information associated with performance events and provide health reports relative to a baseline status of the monitored application. Also provided are techniques for testing a response of the monitored application through modifications to API calls. Such tests may be used to train the machine learning model.

Classes IPC  ?

43.

DYNAMIC POWER LEVELS IN NFC CARD COMMUNICATIONS

      
Numéro de document 03123638
Statut En instance
Date de dépôt 2020-06-08
Date de disponibilité au public 2020-12-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Ilincic, Rajko

Abrégé

Various embodiments are directed to dynamically and temporarily adjusting power to an NFC reader of a computing device from a first power level to a second power level based on a feedback mechanism between a contactless card and the computing device. The contactless card may provide a message containing a checksum. The computing device may receive the message and calculate a checksum based on the received message. By comparing these two checksums, it may be determined whether the entire message has been correctly received. If not, the power to the NFC reader may be temporarily increased to allow better communication between the contactless card and the computing device.

Classes IPC  ?

  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive
  • H04W 28/04 - Détection d’erreurs
  • H04W 52/20 - Commande de puissance d'émission [TPC Transmission power control] le TPC étant effectué selon des paramètres spécifiques utilisant le taux d'erreur
  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
  • H04L 1/22 - Dispositions pour détecter ou empêcher les erreurs dans l'information reçue en utilisant un appareil en excédent pour accroître la fiabilité

44.

NFC ENHANCED AUGMENTED REALITY INFORMATION OVERLAYS

      
Numéro de document 03142061
Statut En instance
Date de dépôt 2020-05-19
Date de disponibilité au public 2020-12-03
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Newman, Kaitlin

Abrégé

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

Classes IPC  ?

  • G06Q 30/06 - Transactions d'achat, de vente ou de crédit-bail
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

45.

REAL-TIME TRANSACTION AND RECEIPT PROCESSING SYSTEMS

      
Numéro de document 03137865
Statut En instance
Date de dépôt 2020-01-28
Date de disponibilité au public 2020-10-29
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Myren, Jeffrey Paul

Abrégé

A transaction processing system for performing one or more steps of a method is disclosed. The system may receive user receipt preferences including rules specifying whether or not a user wants a receipt. The system may also receive (i) a purchase authorization request associated with an attempted purchase and (ii) user device location data. The system may further set a receipt flag corresponding to the receipt status. If the system determines that the transaction is to be authorized, it attaches the receipt flag to the authorization message and transmits the authorization message to the merchant. Alternatively, if the system determines that the transaction is not to be authorized, it attaches the receipt flag to the cancellation message and transmits the cancellation message to the merchant.

Classes IPC  ?

  • G06Q 20/04 - Circuits de paiement
  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

46.

SYSTEMS AND METHODS OF REAL-TIME PROCESSING

      
Numéro de document 03133106
Statut En instance
Date de dépôt 2020-03-23
Date de disponibilité au public 2020-10-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Dutt, Rajsaday
  • Wang, Jinlian
  • Monawer, Sharifa
  • Urban, Christopher
  • Nimmer, Scott
  • Rahman, Faheem

Abrégé

A method including: receiving a purchasing policy; receiving, from a transaction terminal, a transaction authorization request including transaction authorization data associated with an attempted purchase made using a transaction card; determining, based on the transaction authorization data, purchase data; receiving a user profile corresponding to a user, associated with the transaction card, and past purchasing behavior data of the user; responsive to determining, based a comparison of the purchasing policy, the purchase data and the user profile, that the attempted purchase is suspicious, generating an attestation request; transmitting, to a user device associated with the user, the attestation request; receiving, from the user device, attestation data; and responsive to determining that the attestation data indicates that the attempted purchase comports with the purchasing policy, transmitting, to the transaction terminal, a transaction authorization approval to allow the attempted purchase.

Classes IPC  ?

  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur

47.

TRANSMITTING ENCODED DATA ALONG TRANSMISSION MEDIUMS BASED ON COLORSPACE SCHEMES

      
Numéro de document 03133918
Statut En instance
Date de dépôt 2020-04-08
Date de disponibilité au public 2020-10-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin Grant
  • Goodsitt, Jeremy Edward

Abrégé

Techniques to transmit encoded data along a transmission medium and decode the transmitted data along the transmission medium are provided. Some techniques include logic to encode data transmitted along a transmission medium, such as a fiberoptic line or cable, where the encoding is pursuant to a conversion between a first and second colorspace. The logic may further be configured to decode the data once it is received at a node along the fiberoptic line, where the colorspace conversion provides the basis, key, or cipher for preforming the decoding operation. The logic may be further configured to alter the encryption and decryption basis, key, or cypher by altering the colorspace scheme defining the encoding (and by extension the decoding) during transmission, including a transmission that takes place after a previous transmission governed by the previously defined (and subsequently altered) colorspace conversion scheme. Other embodiments are described and claimed.

Classes IPC  ?

  • H04B 10/516 - Systèmes de transmission utilisant des ondes électromagnétiques autres que les ondes hertziennes, p.ex. les infrarouges, la lumière visible ou ultraviolette, ou utilisant des radiations corpusculaires, p.ex. les communications quantiques Émetteurs - Détails du codage ou de la modulation
  • H04L 9/16 - Dispositions pour les communications secrètes ou protégées utilisant plusieurs clés ou algorithmes qui sont changés pendant l'opération

48.

METHODS AND SYSTEMS FOR TESTING AND APPLYING CODES TO ELECTRONIC SHOPPING CARTS

      
Numéro de document 03079090
Statut En instance
Date de dépôt 2020-04-16
Date de disponibilité au public 2020-10-17
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Henderson, William George
  • Duke, Robert

Abrégé

Disclosed are methods, systems, and non-transitory computer-readable medium for testing and applying codes to electronic shopping carts. For instance, the method may include monitoring a shopping cart associated with an e-commerce website and with a user; in response to detecting a change to the shopping cart, testing codes with respect to a present content of the shopping cart to determine valid codes; selecting at least one of the valid codes; determining a status of the session; and performing an action based on the status and the at least one selected code. The testing the codes with respect to the present content of the shopping cart may include: cloning the shopping cart to form a cloned shopping cart in a shadow session; and/or obtaining the codes; and testing the codes on the cloned shopping cart in the shadow session to determine the valid codes.

Classes IPC  ?

  • G06Q 30/06 - Transactions d'achat, de vente ou de crédit-bail

49.

SYSTEMS AND METHODS OF PENDING TRANSACTION AUGMENTATION AND AUTOMATIC ATTACHMENT TO SETTLED TRANSACTIONS

      
Numéro de document 03135779
Statut En instance
Date de dépôt 2020-03-19
Date de disponibilité au public 2020-10-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Dutt, Rajsaday
  • Rahman, Faheem
  • Monawer, Sharifa
  • Roy, Suvayan

Abrégé

A method including: receiving an indication of a transaction authorization of a pending transaction, the transaction authorization being requested using a financial account associated with a user; outputting for transmission, to a user device associated with the user, a request for purchase information corresponding to the pending transaction; receiving, from the user device, receipt image data corresponding to a receipt related the pending transaction; storing data indicative of the receipt in correspondence with the pending transaction; determining, based on analyzing a plurality of posted transactions of the financial account, a first posted transaction corresponding to the pending transaction; and storing the data indicative of the receipt in correspondence with the first posted transaction.

Classes IPC  ?

  • G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

50.

SYSTEMS AND METHODS FOR INCREASED EFFICIENCY AND RELIABILITY OF CONTACTLESS CARD TRANSACTIONS

      
Numéro de document 03131422
Statut En instance
Date de dépôt 2020-03-12
Date de disponibilité au public 2020-10-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Lutz, Wayne

Abrégé

Example embodiments of systems and methods for performing a transaction involving a transmitting device and a receiving device. A state machine may be configured to monitor the data communications, data reads, and data writes performed between the transmitting device and the receiving device. In the event of a disruption during the transaction, the state machine may allow the transaction to resume following the most recent data communication, data read, or data write once the disruption is resolved.

Classes IPC  ?

  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/04 - Circuits de paiement
  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne

51.

DEVICES AND METHODS FOR CONTACTLESS CARD ALIGNMENT WITH A FOLDABLE MOBILE DEVICE

      
Numéro de document 03131449
Statut En instance
Date de dépôt 2020-03-16
Date de disponibilité au public 2020-10-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Ilincic, Rajko
  • Hart, Colin

Abrégé

Example embodiments of systems, methods, and devices for transaction card alignment are provided. In one example embodiment, a mobile device may include a first component and a second component foldable with respect to one another between a first configuration and a second configuration. The mobile device may further include a screen interface on an interior side of the first component, and an alignment feature along the interior side, the alignment feature providing alignment for a contactless card with respect to the screen interface, wherein the contactless card is uncovered by the second component in the first configuration and covered by the second component in the second configuration.

Classes IPC  ?

  • G06K 7/015 - Alignement ou centrage du dispositif de lecture par rapport au support d'enregistrement

52.

TAP TO COPY DATA TO CLIPBOARD VIA NFC

      
Numéro de document 03121679
Statut En instance
Date de dépôt 2020-03-13
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Herrington, Daniel
  • Rule, Jeffrey
  • Hart, Colin
  • Ji, Jason

Abrégé

Various embodiments are generally directed to copying data to a clipboard of a mobile device from a contactless card using NFC. A mobile device may issue a request to read data from the contactless card. The contactless card may generate encrypted data in response to the request. The mobile device may receive the encrypted data via NFC and transmit the encrypted data to a server for verification. The server may verify the encrypted data and transmit an indication of an account number for the contactless card to the mobile device. The mobile device may then copy the account number to a clipboard of the mobile device.

Classes IPC  ?

  • H04L 9/08 - Répartition de clés
  • H04W 12/04 - Gestion des clés
  • H04L 9/14 - Dispositions pour les communications secrètes ou protégées utilisant plusieurs clés ou algorithmes
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

53.

USING A CONTACTLESS CARD TO SECURELY SHARE PERSONAL DATA STORED IN A BLOCKCHAIN

      
Numéro de document 03122782
Statut En instance
Date de dépôt 2020-03-19
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Ilincic, Rajko
  • Newman, Kaitlin

Abrégé

Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.

Classes IPC  ?

  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée

54.

DETECTION OF IMAGES IN RELATION TO TARGETS BASED ON COLORSPACE TRANSFORMATION TECHNIQUES AND UTILIZING ULTRAVIOLET LIGHT

      
Numéro de document 03130925
Statut En instance
Date de dépôt 2020-03-16
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin Grant
  • Goodsitt, Jeremy Edward
  • Abdi Taghi Abad, Fardin

Abrégé

Techniques to improve detection and security of images, including formation and detection of matrix-based images. Some techniques include logic to process image data, generate one or more colorspaces associated with that data, and perform colorspace conversions based on the generated colorspace. The logic may be further configured to generate an image based on the colorspace conversions, including but not limited to a matrix bar code. The logic may be further configured to apply one or both of an ultraviolet layer and an infrared layer to the image, e.g. matrix barcode, generated from the colorspace conversion(s). Other embodiments are described and claimed.

Classes IPC  ?

  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
  • H03K 19/1776 - Circuits logiques, c. à d. ayant au moins deux entrées agissant sur une sortie; Circuits d'inversion utilisant des éléments spécifiés utilisant des circuits logiques élémentaires comme composants disposés sous forme matricielle - Détails structurels des ressources de configuration pour les mémoires
  • G06T 7/90 - Détermination de caractéristiques de couleur

55.

DELEGATED ADMINISTRATION OF PERMISSIONS USING A CONTACTLESS CARD

      
Numéro de document 03131152
Statut En instance
Date de dépôt 2020-03-19
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Miller, Walter A.

Abrégé

Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.

Classes IPC  ?

  • G06F 21/60 - Protection de données
  • G06F 21/35 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes communiquant sans fils

56.

SYSTEM AND METHOD FOR PRE-AUTHENTICATION OF CUSTOMER SUPPORT CALLS

      
Numéro de document 03121681
Statut En instance
Date de dépôt 2020-03-13
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Ilincic, Rajko

Abrégé

A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.

Classes IPC  ?

  • H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • H04L 9/08 - Répartition de clés
  • H04L 9/14 - Dispositions pour les communications secrètes ou protégées utilisant plusieurs clés ou algorithmes
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

57.

CONTEXTUAL TAPPING ENGINE

      
Numéro de document 03121965
Statut En instance
Date de dépôt 2020-03-16
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Herrington, Daniel
  • Hart, Colin
  • Heng, Melissa Yoemans

Abrégé

Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.

Classes IPC  ?

  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée

58.

SYSTEM AND METHOD FOR SECOND FACTOR AUTHENTICATION OF CUSTOMER SUPPORT CALLS

      
Numéro de document 03121971
Statut En instance
Date de dépôt 2020-03-17
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Ilincic, Rajko
  • Newman, Kaitlin
  • Rule, Jeffrey

Abrégé

A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication via a backchannel to reduce the potential for malicious third-party impersonation of the client prior to transfer of the call to the customer call center. Pre-authorized customer support calls may be intelligently and efficiently routed directly to call center agents, without incurring further delay. During call handling, call center agents may initiate further client authentication processes, including contactless card authentication requests, over one or more different communication channels for authorizing access to sensitive information or to allay suspicion.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04W 4/14 - Services d'envoi de messages courts, p.ex. SMS ou données peu structurées de services supplémentaires [USSD]

59.

OPTIMIZING DETECTION OF IMAGES IN RELATION TO TARGETS BASED ON COLORSPACE TRANSFORMATION TECHNIQUES

      
Numéro de document 03130865
Statut En instance
Date de dépôt 2020-03-13
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin Grant
  • Goodsitt, Jeremy Edward
  • Abdi Taghi Abad, Fardin

Abrégé

Techniques to improve detection and security of images, including formation and detection of matrix-based images. Some techniques include logic to process image data, generate one or more colorspaces associated with that data, and perform colorspace conversions based on the generated colorspace. The logic may be further configured to generate an image based on the colorspace conversions, including but not limited to a matrix bar code. The logic may be further configured to apply one or both of an ultraviolet layer and an infrared layer to the image, e.g. matrix barcode, generated from the colorspace conversion(s). Other embodiments are described and claimed.

Classes IPC  ?

  • G06K 19/06 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par le genre de marque numérique, p.ex. forme, nature, code
  • G06T 7/90 - Détermination de caractéristiques de couleur

60.

NFC MOBILE CURRENCY TRANSFER

      
Numéro de document 03131083
Statut En instance
Date de dépôt 2020-03-17
Date de disponibilité au public 2020-09-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Ilincic, Rajko
  • Rule, Jeffrey

Abrégé

Various embodiments are generally directed to NFC-based mobile currency transfers. A mobile payment may be programmatically initialized when at least two mobile devices come into NFC communications range. A payment card associated with an account used to fund the currency transfer may be tapped to one or more of the devices to allow a server to validate the currency transfer.

Classes IPC  ?

  • H04W 12/04 - Gestion des clés
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

61.

TECHNIQUES TO REDUCE POWER CONSUMPTION IN NEAR FIELD COMMUNICATION SYSTEMS

      
Numéro de document 03129857
Statut En instance
Date de dépôt 2020-02-20
Date de disponibilité au public 2020-09-03
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Wurmfeld, David
  • Emmott, Kevan

Abrégé

Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card. Embodiments also include enabling a near-field communication device to send a communication to the contactless card based on the detection of the resonant signal, the near-field communication device to communicate with the contactless card in a near-field communication frequency range.

Classes IPC  ?

  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive
  • G06K 7/00 - Méthodes ou dispositions pour la lecture de supports d'enregistrement
  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire

62.

AUGMENTED REALITY SYSTEMS FOR FACILITATING REAL-TIME CHARITY DONATIONS

      
Numéro de document 03071043
Statut En instance
Date de dépôt 2020-02-03
Date de disponibilité au public 2020-08-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Shah, Salik
  • Edwards, Joshua

Abrégé

Disclosed systems and methods provide an augmented environment that facilitates a donation to a charity. A system may receive organization data including data associated with a plurality of charitable organizations. The system may also receive (i) environmental data including an image of an object, and (ii) location data indicating the image location. Further, the system may identify the object and determine one or more qualifying charities associated with the object. The system may augment the environmental data by adding enhanced content such as an identification of the qualifying charity, transmit the enhanced content to a mobile device for display, and initiate a transfer of funds from a user account to a charity financial account associated with the qualifying charity.

Classes IPC  ?

  • G06Q 10/00 - Administration; Gestion
  • H04W 4/02 - Services utilisant des informations de localisation
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • H04W 4/30 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques
  • H04W 4/38 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour la collecte d’informations de capteurs
  • G16Z 99/00 - Matière non prévue dans les autres groupes principaux de la présente sous-classe
  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques

63.

METHOD AND SYSTEM FOR LOCALIZING AND IDENTIFYING MOBILE DEVICE USING SHORT-RANGE MESH NETWORK NODES

      
Numéro de document 03069625
Statut En instance
Date de dépôt 2020-01-23
Date de disponibilité au public 2020-08-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Wurmfeld, David

Abrégé

Various embodiments are directed to localizing and identifying a mobile computing device using a short-range mesh network. A user of the mobile computing device may be authenticated. When the mobile computing device connects to the mesh network, the location of the mobile computing device may be determined by determining which mesh network nodes the mobile computing device is connected to, triangulating the position of the mobile computing device based on signal direction via directional antennas arranged on the mesh network nodes, and/or measuring signal strength of the mobile computing device at the mesh network nodes.

Classes IPC  ?

  • H04W 4/021 - Services concernant des domaines particuliers, p.ex. services de points d’intérêt, services sur place ou géorepères
  • H04W 64/00 - Localisation d'usagers ou de terminaux pour la gestion du réseau, p.ex. gestion de la mobilité
  • H04W 84/18 - Réseaux auto-organisés, p.ex. réseaux ad hoc ou réseaux de détection
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • H04W 4/38 - Services spécialement adaptés à des environnements, à des situations ou à des fins spécifiques pour la collecte d’informations de capteurs
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • G01S 5/00 - Localisation par coordination de deux ou plusieurs déterminations de direction ou de ligne de position; Localisation par coordination de deux ou plusieurs déterminations de distance

64.

IDENTIFYING A MEDIA ITEM TO PRESENT TO A USER DEVICE VIA A COMMUNICATION SESSION

      
Numéro de document 03071061
Statut En instance
Date de dépôt 2020-02-04
Date de disponibilité au public 2020-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Edwards, Joshua
  • Colevas, Alexandra
  • Benkreira, Abdelkadar M'Hamed

Abrégé

A device communicates with a user device via a communication session, determines user information relating to the user device or a user of the user device, and determines that the user device is placed on a hold status. The device determines, using a machine learning model, a type of media item to be presented to the user device, where the machine learning model has been trained to identify types of media items to present to user devices when the user devices are placed in the hold status, and selects a media item corresponding to the type of media item. The device presents the media item to the user device via the communication session, determines that the user device is no longer placed on the hold status, and causes the media item to cease being presented.

Classes IPC  ?

  • H04M 3/523 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur avec répartition ou mise en file d'attente des appels
  • G06N 20/00 - Apprentissage automatique
  • H04M 3/493 - Services d'information interactifs, p. ex. renseignements sur l'annuaire téléphonique

65.

ANALYSIS OF A TOPIC IN A COMMUNICATION RELATIVE TO A CHARACTERISTIC OF THE COMMUNICATION

      
Numéro de document 03071486
Statut En instance
Date de dépôt 2020-02-06
Date de disponibilité au public 2020-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Benkreira, Abdelkadar M'Hamed
  • Edwards, Joshua
  • Mossoba, Michael

Abrégé

A device monitors a communication between a user associated with a user device and a service representative associated with a service representative device, and causes a natural language processing model to perform a natural language processing analysis of a user input of the communication to identify a topic associated with the communication. The device determines a first score associated with the topic, and determines a second score associated with enabling the communication, where the first score and second score indicate a service performance score of an entity. The device causes a sentiment analysis model to perform a sentiment analysis of the communication to determine a sentiment score indicating a level of satisfaction the user has relative to the topic. The device updates a transaction protocol associated with the topic based on the service performance score, and/or updates a communication processing protocol associated with the communication based on the sentiment score.

Classes IPC  ?

  • G06F 40/30 - Analyse sémantique
  • G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine 
  • H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur

66.

ONE-TAP PAYMENT USING A CONTACTLESS CARD

      
Numéro de document 03117994
Statut En instance
Date de dépôt 2020-01-29
Date de disponibilité au public 2020-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Moreton, Paul
  • Cody, Lea
  • Hart, Colin
  • Lutz, Wayne

Abrégé

An authentication application may receive, from a merchant application of a client device, a merchant identifier, a transaction identifier of a transaction, encrypted data, and a location of the client device. The authentication application may decrypt the encrypted data based at least in part on a private key. The authentication application may determine that the contactless card has been used to make a previous purchase with the merchant and that the location of the client device is within a threshold distance of a known location associated with a contactless card. A virtual account number generator may generate a virtual account number and transmit the merchant identifier, the transaction identifier, the virtual account number, an expiration date, and a card verification value (CVV) to a merchant server associated with the merchant to process the transaction using the transaction identifier, the virtual account number, the expiration date, and the CVV.

Classes IPC  ?

  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

67.

TAP CARD TO SECURELY GENERATE CARD DATA TO COPY TO CLIPBOARD

      
Numéro de document 03128345
Statut En instance
Date de dépôt 2020-01-29
Date de disponibilité au public 2020-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Moreton, Paul
  • Lutz, Wayne
  • Ji, Jason

Abrégé

A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.

Classes IPC  ?

  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
  • G06F 9/54 - Communication interprogramme
  • G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée

68.

UPDATING A SPEECH GENERATION SETTING BASED ON USER SPEECH

      
Numéro de document 03071060
Statut En instance
Date de dépôt 2020-02-04
Date de disponibilité au public 2020-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkadar M'Hamed
  • Colevas, Alexandra

Abrégé

A device causes a communication session to be established between the device and a user device to allow the device and the user device to communicate speech, and receives user speech from the user device. The device processes the user speech using a natural language processing technique to determine a plurality of characteristics of the user speech, and updates a speech generation setting of a plurality of speech generation settings based on the plurality of characteristics of the user speech. The device generates, after updating the speech generation setting, device speech using a text-to-speech technique based on the speech generation setting, and sends the device speech to the user device.

Classes IPC  ?

  • G10L 13/033 - Procédés d'élaboration de parole synthétique; Synthétiseurs de parole Édition de voix, p.ex. manipulation de la voix du synthétiseur

69.

USING ON-DEMAND APPLICATIONS TO GENERATE VIRTUAL NUMBERS FOR A CONTACTLESS CARD TO SECURELY AUTOFILL FORMS

      
Numéro de document 03118911
Statut En instance
Date de dépôt 2020-01-29
Date de disponibilité au public 2020-08-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Lutz, Wayne
  • Moreton, Paul

Abrégé

A first application may output a form comprising payment fields. An operating system (OS) may receive, from a contactless card, a uniform resource locator (URL) comprising encrypted data. A second application received from the URL by the OS may be executed. The second application may transmit the encrypted data to an authentication server, the authentication server to verify the encrypted data. The second application may receive, from a virtual account number server, a virtual account number, an expiration date associated with the virtual account number, and a CVV associated with the virtual account number. The second application may provide the virtual account number, expiration date, and CVV to an autofill service of the OS. The autofill service of the OS may autofill the virtual account number the payment fields of the first application.

Classes IPC  ?

  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • G06F 21/35 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes communiquant sans fils
  • G06F 21/44 - Authentification de programme ou de dispositif
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès

70.

SMART CONTRACT REGULATION

      
Numéro de document 03071057
Statut En instance
Date de dépôt 2020-02-04
Date de disponibilité au public 2020-08-05
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Abad, Fardin Abdi Taghi
  • Walters, Austin
  • Goodsitt, Jeremy

Abrégé

A platform may receive a first smart contact. The first smart contract may be associated with an entity that stores a plurality of smart contracts in a distributed ledger. The platform may determine a state of the first smart contract and a state of a second smart contract and compare the state of the first smart contract and the state of the second smart contract. The platform may determine, based on the state of the first smart contract and the state of the second smart contract, that a conflict exists between the first smart contract and the second smart contract. The conflict may be determined based on at least one of the first smart contract or the second smart contract being in violation of a respective term of at least one of the first smart contract or the second smart contract.

Classes IPC  ?

  • G06Q 50/18 - Services juridiques; Traitement de documents juridiques
  • G06F 16/27 - Réplication, distribution ou synchronisation de données entre bases de données ou dans un système de bases de données distribuées; Architectures de systèmes de bases de données distribuées à cet effet

71.

USER AUTHENTICATION BY ENCODED ACCOUNT IMFORMATION

      
Numéro de document 03070802
Statut En instance
Date de dépôt 2020-02-03
Date de disponibilité au public 2020-08-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkadar M'Hamed

Abrégé

A device detects a communication, to a customer support center and initiated by a user device of a user via a first communication channel, after a request is initiated by the user and via a second communication channel that is different from the first communication channel, to receive customer support. The device obtains, after the user is authenticated to access a user account via the second communication channel and after obtaining first information that includes first account information from the user account, authentication data, from the communication, that encodes the first information. The device identifies the first information based on decoding the authentication data, and obtains second information, associated with the user, that includes second account information from the user account. The device authenticates the user for access to the user account during the communication based on determining that the first account information matches the second account information.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • G06F 21/31 - Authentification de l’utilisateur
  • H04L 12/58 - Systèmes de commutation de messages
  • H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur

72.

INTERACTING WITH A USER DEVICE TO PROVIDE AUTOMATED TESTING OF A CUSTOMER SERVICE REPRESENTATIVE

      
Numéro de document 03070133
Statut En instance
Date de dépôt 2020-01-28
Date de disponibilité au public 2020-07-31
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Benkreira, Abdelkadar M'Hamed
  • Edwards, Joshua
  • Mossoba, Michael
  • Colevas, Alexandra

Abrégé

A device obtains information concerning a plurality of customer service representatives to identify a customer service representative and a user device associated with the customer service representative. The device selects a test issue of a plurality of test issues to be presented to the customer service representative, and, based on the test issue, a virtual assistant to converse with the customer service representative. The device initiates, based on an availability of the user device, a communication session with the user device, and causes the virtual assistant to converse with the customer service representative regarding the test issue. The device obtains data concerning a performance of the customer service representative during the communication session, processes the data using a machine learning model to determine a performance score for the customer service representative, and causes, based on the performance score for the customer service representative, at least one action to be performed.

Classes IPC  ?

  • H04M 3/527 - Dispositions centralisées de réponse aux appels ne demandant pas l'intervention d'un opérateur
  • G10L 17/22 - Procédures interactives; Interfaces homme-machine
  • G06N 20/00 - Apprentissage automatique
  • G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine 
  • G10L 15/26 - Systèmes de synthèse de texte à partir de la parole
  • H04M 3/51 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur

73.

ARRAY AND METHOD FOR IMPROVED WIRELESS COMMUNICATION

      
Numéro de document 03070445
Statut En instance
Date de dépôt 2020-01-30
Date de disponibilité au public 2020-07-31
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Wurmfeld, David Kelly
  • Pharr, Jeff

Abrégé

A system for communicating with a wireless device including a base including a front surface; a plurality of communication coils disposed on the front surface and arranged in a matrix, the coils being tuned to a near-field communication frequency; a selector coupled to the coils; at least one memory storing instructions; and at least one processor coupled to the selector and executing the instructions to perform operations. The operations include at least receiving a plurality of feedback signals associated with the coils; identifying a selected one of the coils associated with a strongest one of the feedback signals; and causing the selector to couple the selected coil with a wireless communication module.

Classes IPC  ?

  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • H01Q 1/38 - Forme structurale pour éléments rayonnants, p.ex. cône, spirale, parapluie formés par une couche conductrice sur un support isolant
  • H01Q 7/00 - Cadres ayant une distribution du courant sensiblement uniforme et un diagramme de rayonnement directif perpendiculaire au plan du cadre

74.

TAP TO AUTOFILL CARD DATA

      
Numéro de document 03113670
Statut En instance
Date de dépôt 2020-01-24
Date de disponibilité au public 2020-07-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Lutz, Wayne
  • Moreton, Paul

Abrégé

Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.

Classes IPC  ?

  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

75.

SYSTEMS AND METHODS FOR PROVIDING PERSONALIZED TRANSACTION RECOMMENDATIONS

      
Numéro de document 03070105
Statut En instance
Date de dépôt 2020-01-28
Date de disponibilité au public 2020-07-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Carroll, William
  • Benkreira, Abdelkader
  • Mossoba, Michael
  • Edwards, Joshua

Abrégé

The present disclosure relates to systems and methods for recommending transaction amounts including: receiving a request for a transaction recommendation associated with a customer; receiving a plurality of traits associated with the customer; identifying a characteristic associated with one or more groups of customers based on the plurality of traits; automatically generating a transaction model associated with the identified characteristic associated with the one or more groups of customers; ranking the potential transactions; and generating at least one transaction recommendation for the customer based on the transaction model.

Classes IPC  ?

  • G06Q 30/02 - Marketing, p.ex. études et analyse de marchés, prospection, promotions, publicité, établissement du profil des acheteurs, gestion ou fidélisation de clientèle; Estimation ou détermination des prix
  • G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme

76.

TECHNIQUES TO DYNAMICALLY CREATE VALID CREDIT CARDS

      
Numéro de document 03068233
Statut En instance
Date de dépôt 2020-01-15
Date de disponibilité au public 2020-07-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Vukich, Adam
  • Benkreira, Abdelkader M'Hamed
  • Edwards, Joshua

Abrégé

Techniques to dynamic create valid credit cards are described. An apparatus, a computer-implemented method, and a computer-readable storage medium may implement such techniques and process virtual authorization data for authorizing a credit card to access a financial account, wherein the virtual authorization data comprises a representation of the financial account; activate the credit card using the virtual authorization data, the credit card having an integrated circuit configured for secure execution of transactions against the financial account; and store the virtual authorization data onto the integrated circuit of the credit card. Other embodiments are described and claimed.

Classes IPC  ?

  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

77.

GENERATING SYNTHETIC MODELS OR VIRTUAL OBJECTS FOR TRAINING A DEEP LEARNING NETWORK

      
Numéro de document 03068229
Statut En instance
Date de dépôt 2020-01-16
Date de disponibilité au public 2020-07-17
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Farivar, Reza
  • Taylor, Kenneth
  • Walters, Austin
  • Ford, Joseph, Iii
  • Adhikari, Rittika

Abrégé

In some implementations, a training platform may receive data for generating synthetic models of a body part, such as a hand. The data may include information relating to a plurality of potential poses of the hand. The training platform may generate a set of synthetic models of the hand based on the information, where each synthetic model, in the set of synthetic models, representing a respective pose of the plurality of potential poses. The training platform may derive an additional set of synthetic models based on the set of synthetic models by performing one or more processing operations with respect to at least one synthetic model in the set of synthetic models, and causing the set of synthetic models and the additional set of synthetic models to be provided to a deep learning network to train the deep learning network to perform image segmentation, object recognition, or motion recognition.

Classes IPC  ?

  • G06N 3/08 - Méthodes d'apprentissage
  • G09B 23/30 - Modèles anatomiques
  • G06T 7/10 - Découpage; Détection de bords
  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques

78.

APPARATUS AND METHOD FOR WIRELESS COMMUNICATION WITH IMPROVED RELIABILITY

      
Numéro de document 03067801
Statut En instance
Date de dépôt 2020-01-14
Date de disponibilité au public 2020-07-17
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Wurmfeld, David Kelly

Abrégé

An apparatus for facilitating wireless communication that includes a base having a reference plane; a plurality of coils disposed on the base, the coils having elevation angles other than zero with respect to the reference plane and being tuned to a near field communication frequency; an input/output terminal; and a switching device selectively coupling the coils to the input/output terminal.

Classes IPC  ?

  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • H01Q 7/00 - Cadres ayant une distribution du courant sensiblement uniforme et un diagramme de rayonnement directif perpendiculaire au plan du cadre

79.

INTERACTING WITH AN INTERACTIVE VOICE RESPONSE SYSTEM DEVICE OR AGENT DEVICE OF AN ORGANIZATION

      
Numéro de document 03067976
Statut En instance
Date de dépôt 2020-01-15
Date de disponibilité au public 2020-07-16
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Edwards, Joshua
  • Benkreira, Abdelkadar M'Hamed
  • Colevas, Alexandra

Abrégé

A device receives, from a user device, a communication request that includes information identifying a user of the user device, an organization, and at least one reason for the communication request. The device determines, based on the communication request, information concerning the user, a telephone number associated with the organization, and a menu of an interactive voice response (IVR) system device associated with the telephone number. The device communicates, based on the information concerning the user, the menu of the IVR system device, and the at least one reason for the communication request, with the IVR system device via a communication session initiated based on the telephone number. The device determines, based on communicating with the IVR system device, a time that the user is to interact with the IVR system device via the communication session, and causes the user device to join the communication session at the time.

Classes IPC  ?

  • H04M 3/432 - Dispositions pour appeler un abonné à un moment déterminé, p. ex. service d'appel matinal
  • G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine 
  • H04M 1/57 - Dispositions pour indiquer ou enregistrer le numéro de l'abonné demandeur à l'appareil de l'abonné demandé
  • H04M 3/493 - Services d'information interactifs, p. ex. renseignements sur l'annuaire téléphonique

80.

OBFUSCATION OF INFORMATION OBTAINED BY A CARD READER

      
Numéro de document 03068653
Statut En instance
Date de dépôt 2020-01-15
Date de disponibilité au public 2020-07-16
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Post, Richard
  • Mckinnon, Nathaniel

Abrégé

An example method may include transmitting a noise signal through a reader connection of a magnetic reader element. The control component and the magnetic reader element may be associated with a card reader device of a transaction device, and the magnetic reader element may be configured to read a magnetic strip of a transaction card. The method may include receiving, from the magnetic reader element, a reader connection signal from the reader connection. The reader connection signal may include the noise signal. The method may include extracting, from the reader connection signal, a card information signal associated with the transaction card from the magnetic strip. The card information signal may be extracted based on the noise signal. The method may include performing an action associated with the card information signal.

Classes IPC  ?

  • G06K 7/08 - Méthodes ou dispositions pour la lecture de supports d'enregistrement avec des moyens de perception des modifications d'un champ électrostatique ou magnétique, p.ex. par perception des modifications de la capacité entre des électrodes
  • G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

81.

METHOD AND SYSTEM FOR AUTHENTICATION VIA LOCATION MONITORING

      
Numéro de document 03068693
Statut En instance
Date de dépôt 2020-01-16
Date de disponibilité au public 2020-07-16
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Douglas, Hutch
  • Hamburg, Keith
  • Liu, Ya

Abrégé

A computer-implemented method is provided to authenticate a user. The computer- implemented method includes obtaining, at an authentication server, a current location and an associated time from a client device of the user over a communications network; determining, by a hardware processor of the authentication server, that the current location and the associated time is at or near a historical location and a historical time associated with the user; determining, by the hardware processor, a location score based on a degree of correlation between the current location and the associated time and the historical location and the historical time; determining, by the hardware processor, a risk assessment score based on the location score; and providing, over the communications network, an authentication verification for the user to perform one or more actions with an online resource based on the risk assessment score.

Classes IPC  ?

  • H04L 9/32 - Dispositions pour les communications secrètes ou protégées comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04W 4/02 - Services utilisant des informations de localisation
  • H04W 12/06 - Authentification

82.

SYSTEMS AND METHODS FOR AUTONOMOUS BANKING RESOURCES

      
Numéro de document 03067792
Statut En instance
Date de dépôt 2020-01-14
Date de disponibilité au public 2020-07-15
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Shah, Salik
  • Mossoba, Michael

Abrégé

Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.

Classes IPC  ?

  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G06F 21/31 - Authentification de l’utilisateur
  • B60W 60/00 - Systèmes d’aide à la conduite spécialement adaptés aux véhicules routiers autonomes

83.

SYSTEM AND METHOD FOR TRANSMITTING FINANCIAL INFORMATION VIA COLOR MATRIX CODE

      
Numéro de document 03068030
Statut En instance
Date de dépôt 2020-01-14
Date de disponibilité au public 2020-07-15
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin Grant
  • Goodsitt, Jeremy Edward
  • Abdi Taghi Abad, Fardin

Abrégé

An apparatus may include a memory to store instructions; and processing circuitry, coupled with the memory, operable to execute the instructions. When executed, the instructions may cause the processing circuitry to identify a matrix code; read a first layer of the matrix code, the first layer comprising a first account identifier associated with an account, wherein the first layer corresponds to a first color channel; and read a second layer of the matrix code, the second layer comprising a set of account data, associated with the account, wherein the second layer corresponds to a second color channel, different than the first color channel.

Classes IPC  ?

  • G06K 7/12 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant une longueur d'onde choisie, p.ex. pour lire des marques rouges et ignorer des marques bleues
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

84.

SYSTEMS AND METHODS FOR TOUCH SCREEN INTERFACE INTERACTION USING A CARD OVERLAY

      
Numéro de document 03067692
Statut En instance
Date de dépôt 2020-01-10
Date de disponibilité au public 2020-07-11
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Rule, Jeffrey
  • Osborn, Kevin

Abrégé

Example embodiments of systems and methods for touch screen interface interaction using a card overlay are provided. In an embodiment, a transaction card may include a body having a first main side and a second main side opposite the first main side, wherein the body is positionable with respect to a touch screen interface. The transaction card may further include indicia on the first main side of the body, the indicia identifying touch locations for authenticating a transaction, wherein the second main side of the body is adapted to actuate corresponding touch locations on the touch screen interface when the indicia on the first main side are actuated by a user.

Classes IPC  ?

  • G06K 19/07 - Supports d'enregistrement avec des marques conductrices, des circuits imprimés ou des éléments de circuit à semi-conducteurs, p.ex. cartes d'identité ou cartes de crédit avec des puces à circuit intégré
  • G06F 3/041 - Numériseurs, p.ex. pour des écrans ou des pavés tactiles, caractérisés par les moyens de transduction

85.

SYSTEMS AND METHODS FOR SECURELY VERIFYING A SUBSET OF PERSONALLY IDENTIFIABLE INFORMATION

      
Numéro de document 03066831
Statut En instance
Date de dépôt 2020-01-07
Date de disponibilité au public 2020-07-11
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s) Cao, Qixu

Abrégé

Disclosed are systems and methods for securely verifying a subset of personally identifiable information (PII) of a first user to a second user is disclosed. A computer-implemented method may include receiving a query request from the second user through a second user application to verify the subset of Pll of the first user; prompting the first user, through a first user application, to authenticate the query request; in response to the first user authenticating the query request, processing the query request to identify, in a secured database, the subset of Pll of the first user stored in the secured database, to generate an identified subset of PII; comparing the subset of Pll to the identified subset of Pll to determine if a condition is satisfied; based on the comparing, generating an answer to the query request; and transmitting the answer to the second user through the second user application.

Classes IPC  ?

  • G07C 11/00 - Dispositions, systèmes ou appareils pour vérifier, p.ex. l'occurrence d'un fait ou d'une situation, non prévus ailleurs
  • G06F 21/30 - Authentification, c. à d. détermination de l’identité ou de l’habilitation des responsables de la sécurité
  • G06F 16/903 - Requêtes

86.

SYNCED AUDIO SIGNALS BETWEEN A DEVICE AND ATM

      
Numéro de document 03064264
Statut En instance
Date de dépôt 2019-12-06
Date de disponibilité au public 2020-07-08
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Dadhaniya, Janak
  • Faletti, Steve
  • Wurmfeld, David
  • Smith, Robert
  • Whitsitt, Lisa

Abrégé

A user can submit a request to a server associated with an ATM. The request can be submitted from a device (or portable device) of the user. The server can evaluate the request and designate which ATM or ATMs are best suited to process the request. This determination can be based on availability of resources on the ATM. Subsequently, the server can transmit a communication to the device of the user and the designated ATM. The communication can cause both the device and the ATM to emit a sound or display a visual cue to guide the user to approach the designated ATM. The device and the ATM can emit various patterns of sound to better guide the user to approach the designated ATM.

Classes IPC  ?

  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • H04W 4/021 - Services concernant des domaines particuliers, p.ex. services de points d’intérêt, services sur place ou géorepères
  • H04W 4/80 - Services utilisant la communication de courte portée, p.ex. la communication en champ proche, l'identification par radiofréquence ou la communication à faible consommation d’énergie
  • G06F 3/16 - Entrée acoustique; Sortie acoustique

87.

PAYMENT CARD AMPLIFICATION DEVICE

      
Numéro de document 03066473
Statut En instance
Date de dépôt 2020-01-02
Date de disponibilité au public 2020-07-07
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkader M'Hamed
  • Marsch, Daniel John

Abrégé

In one aspect, the present disclosure relates to a payment card amplification device comprising a card reader, an amplifier, an antenna, and a power supply. The card reader is configured to read payment card information from a payment card and generate an output signal comprising the payment card information. The amplifier is coupled to receive the card reader output signal and configured to generate an amplified signal comprising the payment card information. The antenna is coupled to receive the amplified signal and transmit the payment card information, wherein the transmitted payment card information can be read by a payment terminal. The power supply is coupled to a power source and configured provide power to the card reader and the amplifier.

Classes IPC  ?

  • H04B 7/17 - Stations terrestres employant la modulation par impulsions, p.ex. modulation par impulsions codées
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
  • G06K 7/10 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire
  • H04B 5/02 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive utilisant un émetteur-récepteur
  • G07B 15/06 - Dispositions pour la tarification routière modulable ou la taxation de congestion de véhicules ou d’utilisateurs de véhicules, p.ex. systèmes de péage automatiques
  • H01Q 7/00 - Cadres ayant une distribution du courant sensiblement uniforme et un diagramme de rayonnement directif perpendiculaire au plan du cadre

88.

A SYSTEM FOR AUTOMATING THE CREATION AND EVALUATION OF WEBSITE VARIATIONS TO IMPROVE USER ENGAGEMENT

      
Numéro de document 03066466
Statut En instance
Date de dépôt 2020-01-02
Date de disponibilité au public 2020-07-03
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Walters, Austin
  • Goodsitt, Jeremy
  • Truong, Ahn
  • Farivar, Reza
  • Watson, Mark
  • Taghi Abad, Fardin Abdi

Abrégé

Described is a system (and method) for automating the process of generating variations of a website that may be continually evaluated to improve a user interaction flow. The process may be based on a genetic algorithm that creates improving generations of websites. For example, the system may automate the creation of different layouts for a website and evaluate the effectiveness of each layout based on a particular user interaction goal. The most effective (e.g., top performing) layouts may be determined and then "bred" as part of an iterative improvement process.

Classes IPC  ?

  • G06F 16/958 - Organisation ou gestion de contenu de sites Web, p.ex. publication, conservation de pages ou liens automatiques
  • G06F 8/00 - Dispositions pour ingénierie logicielle

89.

UTILIZING OPTICAL CHARACTER RECOGNITION (OCR) TO REMOVE BIASING

      
Numéro de document 03065275
Statut En instance
Date de dépôt 2019-12-13
Date de disponibilité au public 2020-07-02
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin Grant
  • Pham, Vincent
  • Hua, Alvin
  • Farivar, Reza
  • Goodsitt, Jeremy Edward
  • Abdi Taghi Abad, Fardin

Abrégé

Various embodiments are directed to the removal of any biasing that may be present in a document. Portions of the document may be segmented into one or more boxes, each box containing content of the document. An OCR may be performed on each box, and text may be identified therein. It may be determined whether any of the text contains a biasing term. The biasing term may be deleted or may be replaced with a non-biasing term. A modified resume may be generated based on a standardized resume template. The modified resume may include only text, including the non-biasing terms, and exclude the biasing terms.

Classes IPC  ?

  • G06F 40/166 - Traitement de texte Édition, p.ex. insertion ou suppression
  • G06F 40/103 - Mise en forme, c. à d. modification de l’apparence des documents
  • G06F 40/279 - Reconnaissance d’entités textuelles
  • G06F 40/30 - Analyse sémantique
  • G06F 40/56 - Génération de langage naturel
  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
  • G06N 3/02 - Systèmes de calculateurs basés sur des modèles biologiques utilisant des modèles de réseaux neuronaux

90.

SYSTEM AND METHOD FOR BIOMETRIC HEARTRATE AUTHENTICATION

      
Numéro de document 03065872
Statut En instance
Date de dépôt 2019-12-19
Date de disponibilité au public 2020-07-02
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Edwards, Joshua
  • Benkreira, Abdelkader M'Hamed
  • Emmott, Kevan
  • Mossoba, Michael

Abrégé

A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.

Classes IPC  ?

  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
  • A61B 5/117 - Identification des personnes
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

91.

AN AUTOMATED TELLER MACHINE WITH AN ADJUSTABLE DISPLAY

      
Numéro de document 03065434
Statut En instance
Date de dépôt 2019-12-16
Date de disponibilité au public 2020-06-28
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s) Bailey, Michael

Abrégé

An automated teller machine ("ATM") is described. The ATM can be provided with an interface area which includes a display unit and one or more sensors. The display unit can move relative to the interface area so that the display is better accessible for a user of the ATM. For example, the display can make translational or rotational movements, e.g., telescoping movements. The ATM can include a sensor which can detect an object, a location for the object and a distance from the object. Using this information, the ATM can move or guide the display in a direction which makes the display more accessible for the user.

Classes IPC  ?

  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

92.

SYSTEMS AND METHODS FOR PROVIDING A VIRTUAL ASSISTANT

      
Numéro de document 03065391
Statut En instance
Date de dépôt 2019-12-17
Date de disponibilité au public 2020-06-26
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Rule, Jeffrey
  • Gibilterra, Kaylyn
  • Benkreira, Abdelkader
  • Mossoba, Michael

Abrégé

Systems and methods for selecting a virtual assistant are provided. An example system may include at least one memory device storing instructions and at least one processor configured to execute the instructions to perform operations that may include receiving a request from a user for a response, and identifying characteristics of the user based on the user request. The operations may also include determining a type of the user request and based on the determined type of the user request and the identified user characteristics, configuring a virtual assistant to interact with the user through at least one of synthesized speech or visual signals. The operations may also include providing the virtual assistant to interact with the user.

Classes IPC  ?

  • G10L 15/22 - Procédures utilisées pendant le processus de reconnaissance de la parole, p.ex. dialogue homme-machine 
  • G10L 17/22 - Procédures interactives; Interfaces homme-machine
  • G06F 3/16 - Entrée acoustique; Sortie acoustique
  • G06F 17/00 - TRAITEMENT ÉLECTRIQUE DE DONNÉES NUMÉRIQUES Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des fonctions spécifiques

93.

SYSTEMS AND METHODS FOR MAINTAINING CONTRACT ADHERENCE

      
Numéro de document 03063069
Statut En instance
Date de dépôt 2019-11-27
Date de disponibilité au public 2020-06-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy Edward
  • Walters, Austin
  • Farivar, Reza
  • Abad, Fardin Abdi Taghi
  • Taylor, Kenneth
  • Watson, Mark
  • Pham, Vincent
  • Truong, Anh

Abrégé

Systems and methods for identifying tasks and other obligations in a contract and ensuring contract adherence are disclosed. The system provides the contract to a recurrent neural network (RNN) for identification of tasks, dates, parties, and other information contained in the contract. The system then receives a plurality of logical rules from the RNN based on the information extracted by the RNN. The system can also generate a plurality of tasks based on the plurality of logical rules. The system can then generate an acyclic graph where each of the plurality of tasks are assigned to a respective node of the acyclic graph. The method also organizes the plurality of tasks in chronological order based on the acyclic graph. The system can be used to ensure tasks are completed on time, to send reminders when necessary, and to accept modifications and exceptions to the contract, subject to user approval.

Classes IPC  ?

  • G06Q 50/18 - Services juridiques; Traitement de documents juridiques
  • G06F 40/205 - Analyse syntaxique
  • G06N 3/02 - Systèmes de calculateurs basés sur des modèles biologiques utilisant des modèles de réseaux neuronaux
  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

94.

PATENT APPLICATION IMAGE GENERATION SYSTEMS

      
Numéro de document 03064120
Statut En instance
Date de dépôt 2019-12-05
Date de disponibilité au public 2020-06-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy Edward
  • Walters, Austin
  • Truong, Anh
  • Pham, Vincent
  • Abad, Fardin Abdi Taghi
  • Watson, Mark
  • Farivar, Reza
  • Taylor, Kenneth

Abrégé

A system configured to receive a draft patent specification, provide the draft patent specification to a first neural network (NN), classify, using the first NN, paragraphs of the draft patent specification, provide the one or more paragraphs to a second NN, generate, via the second NN, one or more logical components based on the one or more paragraphs, provide the one or more logical components to a generative adversarial network (GAN), generate, via the GAN, a plurality of image components based on the one or more logical components, provide the plurality of image components to a computing device for modification.

Classes IPC  ?

  • G06Q 10/10 - Bureautique, p.ex. gestion informatisée de courrier électronique ou logiciels de groupe; Gestion du temps, p.ex. calendriers, rappels, décompte de réunions ou de temps
  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
  • G06N 3/02 - Systèmes de calculateurs basés sur des modèles biologiques utilisant des modèles de réseaux neuronaux

95.

SYSTEMS AND METHODS FOR AUTOMATIC IDENTIFICATION AND RECOMMENDATION OF TECHNIQUES AND EXPERTS

      
Numéro de document 03064412
Statut En instance
Date de dépôt 2019-12-06
Date de disponibilité au public 2020-06-20
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s) Pham, Vincent

Abrégé

A system including one or more processors; and at least one memory storing computer code that, when executed by the one or more processors, is configured to cause the system to: receive data representative of first text indicative of a first draft coding script; query a database storing coding technique information corresponding to a plurality of coding techniques, the query comprising a first request including indications of a first coding technique classification of a first coding technique of the first draft coding script; receive, responsive to an identification of the first coding technique classification within the database, indications of one or more authors of corresponding coding techniques; generate a first recommendation comprising an identification of a first expert among the one or more authors; and dynamically display the first recommendation.

Classes IPC  ?

  • G06Q 10/06 - Ressources, gestion de tâches, gestion d'hommes ou de projets, p.ex. organisation, planification, ordonnancement ou affectation de ressources en temps, hommes ou machines; Planification dans l'entreprise; Modèles organisationnels
  • G06F 16/903 - Requêtes

96.

UTILIZING MACHINE LEARNING WITH CALL HISTORIES TO DETERMINE SUPPORT QUEUE POSITIONS FOR SUPPORT CALLS

      
Numéro de document 03065696
Statut En instance
Date de dépôt 2019-12-19
Date de disponibilité au public 2020-06-20
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Edwards, Joshua
  • Benkreira, Abdelkadar M'Hamed
  • Mossoba, Michael
  • Colevas, Alexandra

Abrégé

A device receives, from a user device, a communication associated with a support issue encountered by a user of the user device and assigns the communication to a position in a support queue based on when the communication is received, wherein the support queue includes data identifying positions of other communications received from other users, and data identifying when the other communications were received. The device processes data identifying the communication and historical communication data describing prior communications associated with the user, with a model, to determine an average time spent on hold by the user for the prior communications. The device modifies the position of the communication in the support queue based on the average time and performs one or more actions based on modifying the position of the communication in the support queue.

Classes IPC  ?

  • H04M 3/523 - Dispositions centralisées de réponse aux appels demandant l'intervention d'un opérateur avec répartition ou mise en file d'attente des appels

97.

OBFUSCATION OF INPUT DATA PROVIDED TO A TRANSACTION DEVICE

      
Numéro de document 03065686
Statut En instance
Date de dépôt 2019-12-19
Date de disponibilité au public 2020-06-19
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Goodsitt, Jeremy
  • Walters, Austin
  • Farivar, Reza

Abrégé

An example described herein may involve receiving a temperature measurement associated with an input component, wherein the temperature measurement is received from a temperature sensor, and wherein the temperature measurement indicates a temperature of an input element of the input component; determining that the temperature of the input element satisfies a threshold temperature; and causing an infrared element to emit infrared light in association with a position of the input component. While the infrared element is emitting the infrared light, capture information associated with a user interacting with the input component may be obfuscated.

Classes IPC  ?

  • G06F 21/83 - Protection des dispositifs de saisie, d’affichage de données ou d’interconnexion dispositifs de saisie de données, p.ex. claviers, souris ou commandes desdits claviers ou souris
  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • H04N 5/33 - Transformation des rayonnements infrarouges

98.

SYSTEMS AND METHODS FOR USING TRANSPARENT SURFACES IN AN AUTOMATED TELLER MACHINE

      
Numéro de document 03065689
Statut En instance
Date de dépôt 2019-12-19
Date de disponibilité au public 2020-06-19
Propriétaire CAPITAL ONE SERVICES, LLC (Canada)
Inventeur(s)
  • Smith, Robert
  • Wurmfeld, David
  • Faletti, Steve
  • Liao, Celina E
  • Dadhaniya, Janak
  • Whitsitt, Lisa

Abrégé

The present disclosure relates to systems and methods for using transparent surfaces at an automated teller machine. In one implementation, a method of visualizing a deposit at an automated teller machine includes receiving a command to deposit at least one depository element; determining an amount associated with the command; displaying, on a transparent surface of the automated teller machine configured to allow a user of the automated teller machine to view the at least one depository element, a visual representation of the determined amount; and receiving, concurrent with or after displaying, a verification of the amount.

Classes IPC  ?

  • G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne

99.

SYSTEMS AND METHODS FOR GENERATING A PLAIN ENGLISH INTERPRETATION OF A LEGAL CLAUSE

      
Numéro de document 03061872
Statut En instance
Date de dépôt 2019-11-15
Date de disponibilité au public 2020-06-07
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Goodsitt, Jeremy Edward
  • Abad, Fardin Abdi Taghi
  • Farivar, Reza
  • Pham, Vincent
  • Watson, Mark
  • Taylor, Kenneth
  • Truong, Anh

Abrégé

A system is configured to perform one or more steps of a method. The system may receive a plurality of attorney communications, identify one or more legal clause interpretations in them, receive a first legal clause and provide it to a trained NN and a probability model. The system may also generate a corresponding first plain English interpretation based on the first legal clause, provide the first plain English interpretation to the probability model, which generates a probability score based on a degree to which the legal clause matches the plain English interpretation in meaning, and determine whether the probability score exceeds a predetermined threshold. Further, the system may instruct the NN to generate a second plain English interpretation based on the first legal clause when the probability score does not exceed the predetermined threshold, and output the first plain English interpretation when the probability score exceeds the predetermined threshold.

Classes IPC  ?

  • G06N 3/02 - Systèmes de calculateurs basés sur des modèles biologiques utilisant des modèles de réseaux neuronaux
  • G06Q 50/18 - Services juridiques; Traitement de documents juridiques
  • G06F 40/20 - Analyse du langage naturel
  • G06F 40/30 - Analyse sémantique
  • G06N 3/08 - Méthodes d'apprentissage

100.

SYSTEMS AND METHODS FOR LEGAL CLAUSE MATCHING AND EXPLANATION

      
Numéro de document 03063063
Statut En instance
Date de dépôt 2019-11-27
Date de disponibilité au public 2020-06-07
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Farivar, Reza
  • Goodsitt, Jeremy Edward
  • Abad, Fardin Abdi Taghi
  • Truong, Anh
  • Taylor, Kenneth
  • Watson, Mark
  • Pham, Vincent
  • Walters, Austin

Abrégé

A tool configured to cause the system to perform steps of a method is presented. The method includes receiving labeled training data comprising a labeled set of caselaw. The method further includes training a recurrent neural network model using the labeled training data to generate logical rules, wherein the logical rules comprise rules relating legal clauses from the labeled set of caselaw to outcomes from the labeled set of caselaw. The method includes applying the recurrent network model to a corpus of caselaw to generate a first set logical rules. The method includes receiving a first legal document comprising one or more legal clauses and applying the recurrent network model to the first legal document to generate a second set of logical rules. Based on a comparison of the first set of logical rules with the second set of logical rules, determining a relevant case from the corpus of caselaw.

Classes IPC  ?

  • G06Q 50/18 - Services juridiques; Traitement de documents juridiques
  • G06F 40/20 - Analyse du langage naturel
  • G06N 3/02 - Systèmes de calculateurs basés sur des modèles biologiques utilisant des modèles de réseaux neuronaux
  • G06N 3/08 - Méthodes d'apprentissage
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