Capital One Services, LLC.

États‑Unis d’Amérique

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International - WIPO
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Date
Nouveautés (dernières 4 semaines) 8
2022 janvier (MACJ) 5
2021 décembre 11
2021 novembre 15
2021 octobre 8
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Classe IPC
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil 53
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
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 45
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole 35
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails 30
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1.

PEER-TO-PEER (P2P) PAYMENT WITH SECURITY PROTECTION FOR PAYEE

      
Numéro d'application US2021042802
Numéro de publication 2022/020608
Statut Délivré - en vigueur
Date de dépôt 2021-07-22
Date de publication 2022-01-27
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Pathuri, Sai
  • Fesel, Harrison
  • Narasingolu, Sreenivasa Chandrasekhar
  • Pinsky, Justin
  • Krishnan, Rajeev
  • Kumar, Fnu Sushil

Abrégé

System, apparatus, device, method and/or computer program product are disclosed for making a payment by a customer to a merchant using a peer-to-peer (P2P) payment identification of the customer for a commercial transaction between the merchant and the customer. Embodiments herein provide security protection to the merchant by not revealing a P2P payment identification of the merchant to the customer. A payment request including a customer-facing merchant identification to identify the merchant to the customer is sent to the customer, where the customer-facing merchant identification is different from the P2P payment identification of the merchant. The system is further integrated with a merchant server and the P2P payment system to fulfill the payment to the merchant, to track a status of the payment request, and to determine a status of the commercial transaction between the merchant and the customer.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

2.

DETECTING A SKIMMER VIA A VIBRATION SENSOR

      
Numéro d'application US2021042623
Numéro de publication 2022/020504
Statut Délivré - en vigueur
Date de dépôt 2021-07-21
Date de publication 2022-01-27
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Johnson, Molly
  • Vukich, Adam
  • Zarakas, James

Abrégé

Disclosed herein are system, method, and apparatus for detecting a skimmer via a vibration sensor on a transaction card. The method includes receiving, at a server, from a user equipment, vibration information recorded by a transaction card in response to an execution of a transaction at a point-of-service (POS) terminal of a plurality of POS terminals using the transaction card. The vibration information may be recorded by a microphone or an accelerometer on the transaction card while the transaction card is swiped through the POS terminal or inserted into or removed from the POS terminal. The method includes determining, at the server, a state of the POS terminal based on the received vibration information and in response to a determination of the state of the POS being compromised, sending to one or more stakeholders of the transaction a warning message containing the POS terminal information including the POS terminals state.

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
  • 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

3.

SYSTEM AND METHOD FOR HANDLING POINT OF SALE CARD REJECTIONS

      
Numéro d'application US2021037886
Numéro de publication 2022/005762
Statut Délivré - en vigueur
Date de dépôt 2021-06-17
Date de publication 2022-01-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Pham, Vincent
  • Goodsitt, Jeremy

Abrégé

Systems and methods for transaction processing control are presented. Transaction processing control may be obtained through interaction of a POS device, an account card, and a mobile device. Transaction processing control may be provided in the context of providing account information, including handling requests to select and provide a second account number via a mobile device in communication with a rejected card such that the rejected card need not be removed from the point of sale device and a second card need not be submitted to the point of sale device.

Classes IPC  ?

  • 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 20/34 - 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
  • G06Q 20/22 - Schémas ou modèles de paiement

4.

BIODEGRADABLE CARDS AND SYSTEMS AND METHODS FOR MAKING THE SAME

      
Numéro d'application US2021037880
Numéro de publication 2022/005761
Statut Délivré - en vigueur
Date de dépôt 2021-06-17
Date de publication 2022-01-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Pham, Vincent
  • Goodsitt, Jeremy

Abrégé

Example embodiments of biodegradable cards and systems and methods making the same are provided. A biodegradable card (100) can comprise a biodegradable substrate (106, 107, 108), a magnetic particle slot (140) within the biodegradable substrate configured to receive magnetic particles, a high coercivity magnetic stripe (135) comprising magnetic particles printed on the biodegradable substrate and encoded with payment account data, and a biodegradable water resistant coating (150), wherein the coating covers at least the magnetic stripe.

Classes IPC  ?

  • B42D 25/305 - Information sous forme numérique
  • B42D 25/36 - Caractéristiques d’identification ou de sécurité, p.ex. pour empêcher la falsification comprenant des matériaux spéciaux
  • B42D 25/369 - Matériaux magnétisés ou magnétisables
  • B42D 25/44 - Marquage par enlèvement de matière en utilisant des moyens mécaniques, p.ex. la gravure
  • B42D 25/45 - Associant deux ou plusieurs couches

5.

SYSTEMS AND METHODS FOR DETERMINING KNOWLEDGE-BASED AUTHENTICATION QUESTIONS

      
Numéro d'application US2021037892
Numéro de publication 2022/005763
Statut Délivré - en vigueur
Date de dépôt 2021-06-17
Date de publication 2022-01-06
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Benkreira, Abdelkader
  • Mossoba, Michael
  • Edwards, Joshua

Abrégé

Systems and methods for authenticating a user may include transmitting a request for a first set of information after validation of authentication information; receiving a response comprising the first set of information; parsing the first set of information using one or more template-based algorithms by scanning one or more websites to determine publicly available information associated with a user; comparing compare one or more results of the parsing with a second set of information to yield compromised information associated with the user; eliminating one or more portions of the second set of information based on the comparison; presenting a third set of information to authenticate the user based on the elimination and by supplementing the first set of information with a fourth set of information; and presenting a fifth set of information to authenticate the user if the third set of information fails to reach a predetermined threshold number.

Classes IPC  ?

  • G06F 21/46 - Structures ou outils d’administration de l’authentification par la création de mots de passe ou la vérification de la solidité des mots de passe

6.

LOCKER SYSTEM FOR CONDITION-BASED STORING AND RETURN OF AN ITEM

      
Numéro d'application US2021031020
Numéro de publication 2021/262326
Statut Délivré - en vigueur
Date de dépôt 2021-05-06
Date de publication 2021-12-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Ji, Jason
  • Cuan, Lukiih
  • Shah, Salik
  • Kalbasi, Negar
  • Rosenberg, Allison

Abrégé

In certain embodiments, condition-based storing and return of an item associated with a user may be facilitated via a locker system. In some embodiments, attribute information indicating attributes of an item placed in the locker system may be obtained, and the attribute information may be processed to determine a categorization of the item. In response to the categorization satisfying one or more categorization conditions, product/service information related to a product or service may be provided for presentation to the user. In response to receiving user acceptance of the product or service, an item return condition may be assigned to the item. In response to the user satisfying the item return condition, access rights to the item may be enabled for the user.

Classes IPC  ?

  • G06Q 10/08 - Logistique, p.ex. entreposage, chargement, distribution ou expédition; Gestion d'inventaire ou de stocks, p.ex. exécution d'une commande, approvisionnement ou régularisation par rapport aux commandes
  • 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
  • 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

7.

BIODEGRADABLE PAYMENT CARD WITH EMBEDDED PLANT SEEDS

      
Numéro d'application US2021038905
Numéro de publication 2021/262983
Statut Délivré - en vigueur
Date de dépôt 2021-06-24
Date de publication 2021-12-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Johnson, Benal
  • Carroll, William

Abrégé

Aspects described herein may allow for a payment card assembly including a payment card having a first surface and an opposed second surface, and being formed of a biodegradable plastic. A Europay, Mastercard, and Visa (EMV) chip may be removably secured to the payment card. One or more plant seeds may be embedded in the payment card.

Classes IPC  ?

  • G06K 19/077 - 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 - Détails de structure, p.ex. montage de circuits dans le support

8.

SYSTEMS AND METHODS FOR BUILDING BLOCKCHAINS FOR VERIFYING ASSETS FOR SMART CONTRACTS

      
Numéro d'application US2021037212
Numéro de publication 2021/257447
Statut Délivré - en vigueur
Date de dépôt 2021-06-14
Date de publication 2021-12-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Benkreira, Abdelkader
  • Ilincic, Rajko

Abrégé

Systems and methods build blockchains and verify assets for smart contracts. A system includes a memory, a blockchain, a set of nodes, a set of verifiers, a set of miners, and a consensus protocol. The memory can have a block data structure representing a transaction for an asset having an identifier and at least one verifiable characteristic. The consensus protocol can include rules for: receiving the stake at risk from the verifiers, providing the reputational score to the verifiers, verifying the verifiable characteristic of the asset by the verifiers, cryptographic verification by the miners, adding the new block to the blockchain by the miners, providing the reward to the miners, and distributing the copy of the blockchain to each node.

Classes IPC  ?

  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison

9.

SYSTEM AND METHOD FOR FACILITATING TRANSFER OF ELECTRONIC PAYMENT INFORMATION

      
Numéro d'application US2021037543
Numéro de publication 2021/257645
Statut Délivré - en vigueur
Date de dépôt 2021-06-16
Date de publication 2021-12-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Edwards, Joshua
  • Benkreira, Abdelkader

Abrégé

In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
  • G06Q 20/22 - Schémas ou modèles de paiement
  • G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation

10.

SYSTEM AND METHOD FOR FACILITATING BANK ACCOUNT INFORMATION CHANGES

      
Numéro d'application US2021037546
Numéro de publication 2021/257648
Statut Délivré - en vigueur
Date de dépôt 2021-06-16
Date de publication 2021-12-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Olenoski, Michelle

Abrégé

In a method for changing a user's bank account information in merchant account databases a server receives a login request including a user identification and first user authentication information. The server further receives a request to change bank account information from a first bank account to a second bank account for merchant accounts of the user and network login information for the first bank account. The server accesses an account information database for the first bank account and downloads transaction information for merchant transactions involving the first bank account. The server identifies a set of merchant user accounts involved in the merchant transactions and receives account login information for a data site associated with a selected account. The server accesses the data site and changes a bank account identification stored therein from the first bank account to the second bank account.

Classes IPC  ?

  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

11.

TECHNIQUES TO FACILITATE A MIGRATION PROCESS TO CLOUD STORAGE

      
Numéro d'application US2021036943
Numéro de publication 2021/252848
Statut Délivré - en vigueur
Date de dépôt 2021-06-11
Date de publication 2021-12-16
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Haq, Adnan
  • Vasudevan Nair, Akhil

Abrégé

Techniques to facilitate a migration process of source data to cloud storage are described. These techniques use configuration information with pre-configured settings for the migration process by leveraging such information to build a component to execute the migration process. These settings can be used to identify computing modules (including interfaces) for generating a script for loading the source data to a storage location managed by a cloud storage service. The script may rely upon a data model for organizing the source data, which also is provided in the settings. Once the source data is available, the source data is converted into a suitable migration dataset and communicated with the script to the cloud storage service in a single operation. Other embodiments are described and claimed.

Classes IPC  ?

  • G06F 3/06 - Entrée numérique à partir de, ou sortie numérique vers des supports d'enregistrement

12.

SYSTEMS AND METHODS FOR PAYMENT AUTHENTICATION

      
Numéro d'application US2021036950
Numéro de publication 2021/252855
Statut Délivré - en vigueur
Date de dépôt 2021-06-11
Date de publication 2021-12-16
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Johnson, Clayton
  • Scott, Esther
  • Wieker, Jeffrey

Abrégé

Methods and systems are disclosed for payment authentication. For example, a method may include: the method comprising: storing a first device fingerprint in association with a token representing a primary account number, the first device fingerprint being derived from a device attribute of a user device and behavioral biometric data derived from a behavioral pattern of a user in using the user device; receiving an authentication request indicative of the token and a second device fingerprint generated by a customer device associated with a customer of a merchant, the authentication request being associated with a transaction between the merchant and a customer using the token; identifying the stored first device fingerprint based on the token indicated by the authentication request; and determining whether the second device fingerprint matches the stored first device fingerprint.

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
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

13.

SYSTEMS AND METHODS FOR AUGMENTED OR MIXED REALITY WRITING

      
Numéro d'application US2021035392
Numéro de publication 2021/247663
Statut Délivré - en vigueur
Date de dépôt 2021-06-02
Date de publication 2021-12-09
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Learned, Jacob
  • Loucks, Eric

Abrégé

An augmented reality system that includes processors and storage devices storing instructions. The instructions configure the processors to perform operations. The operations include identifying a writing object in a video feed being displayed in an augmented reality viewer, identify a tip of the writing object based on a contour of the writing object, and tracking movements of the tip in the augmented reality viewer. The operations may also include generating a virtual file, the virtual file storing the tracked movements and generating a text file by performing an image recognition operation associating the tracked movements stored in the virtual file with one or more characters.

Classes IPC  ?

  • G06F 3/01 - Dispositions d'entrée ou dispositions d'entrée et de sortie combinées pour l'interaction entre l'utilisateur et le calculateur
  • G06F 40/171 - Traitement de texte Édition, p.ex. insertion ou suppression au moyen d’encre numérique
  • G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales

14.

A NETWORK MONITORING DEVICE, AND APPLICATIONS THEREOF

      
Numéro d'application US2021035746
Numéro de publication 2021/247898
Statut Délivré - en vigueur
Date de dépôt 2021-06-03
Date de publication 2021-12-09
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Watson, John
  • Roosenraad, Christopher
  • Kofira, Peter P.
  • Scheponik, Travis
  • Eppert, Aaron

Abrégé

A key broker monitors network traffic metadata and determines which decryption keys are required at one or more packet brokers in order to decrypt relevant traffic required by various network monitoring devices. The key broker retrieves the required keys from a secure keystore distributes them, as needed, to the network packet brokers, and dynamically updates the decryption keys stored in the network packet brokers in response to changes in network traffic.

Classes IPC  ?

  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
  • H04L 12/26 - Dispositions de surveillance; Dispositions de test

15.

RESPONSE PREDICTION FOR ELECTRONIC COMMUNICATIONS

      
Numéro d'application US2021035522
Numéro de publication 2021/247757
Statut Délivré - en vigueur
Date de dépôt 2021-06-02
Date de publication 2021-12-09
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Loucks, Eric
  • Edwards, Joshua
  • Bergeron, George
  • Johnson, Kyle
  • Lee, Brian

Abrégé

Systems, methods, and apparatuses are described herein for performing sentiment analysis on electronic communications relating to one or more image-based communications methods, such as emoji. Message data may be received. The message data may correspond to a message that is intended to be sent but has not yet been sent to an application. Using a first machine learning model, one or more subsets of the plurality of emoji may be determined. The one or more subsets of the plurality of emoji may comprise one or more different types and quantities of emoji, and may each correspond to the same or a different sentiment. Using a second machine learning model, one or more emojis may be selected from the one or more subsets. The one or more emojis selected may correspond to responses to the message.

Classes IPC  ?

  • G06E 1/00 - Dispositions pour traiter exclusivement des données numériques

16.

FINANCIAL CARD WITH DYNAMIC VIEWING ANGLES TO BLOCK CARD INFORMATION

      
Numéro d'application US2021033955
Numéro de publication 2021/242710
Statut Délivré - en vigueur
Date de dépôt 2021-05-25
Date de publication 2021-12-02
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Goodsitt, Jeremy
  • Rafferty, Galen

Abrégé

A method and system of making a secure financial card with dynamic viewing angles is provided. The secure financial card includes a first surface and a second surface opposite the first surface. The financial card includes at least a first portion of indicia and a second portion of the indicia indicative of the card information. The first portion of the indicia and the second portion of the indicia are configured with respective viewing angles and printed on one of the first surface and the second surface. The financial card includes a slide device moveable to different positions associated with different portions of indicia. The slide device allows the respective portion of the indicia to be viewable from different viewing angles. An account number of the financial card is read by rotating the financial card and full card information is unable to be captured by an image of the financial card.

Classes IPC  ?

  • G06K 19/04 - Supports d'enregistrement pour utilisation avec des machines et avec au moins une partie prévue pour supporter des marques numériques caractérisés par la forme
  • 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

17.

PERSONALIZED QR CODES FOR ATM AUTHENTICATION

      
Numéro d'application US2021027247
Numéro de publication 2021/236261
Statut Délivré - en vigueur
Date de dépôt 2021-04-14
Date de publication 2021-11-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Phillips, Jeremy J.
  • Sheth, Ashay

Abrégé

Disclosed herein are system, method, and computer program product embodiments for creating a personalized barcode for an account holder at an Automated Teller Machine (ATM). An embodiment operates by storing account holder unique data and a first rule for generating a personalized barcode unique to the account holder based on the account holder unique data. After receiving a request for completion of a transaction from the first account holder, placing the account holder unique data and the first rule in a pairing service. Thereafter, the ATM is configured to retrieve the account holder unique data and the first rule from the pairing service, generate the first personalized barcode based on the first rule and the account holder unique data, and present the first personalized barcode to the first account holder.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

18.

SYSTEMS AND METHODS FOR PROVIDING POWER TO A MULTI-PURPOSE TRANSACTION CARD

      
Numéro d'application US2021032720
Numéro de publication 2021/236500
Statut Délivré - en vigueur
Date de dépôt 2021-05-17
Date de publication 2021-11-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Johnson, Molly
  • Zarakas, James
  • Vukich, Adam

Abrégé

A controller of a transaction card may cause the transaction card to be in a first state. The transaction card may include a battery and at least one other component. In the first state, the battery does not provide power to the at least one other component of the transaction card. The transaction card may receive a signal from a near-field communication (NFC) device and may cause the transaction card to be in a second state based on receiving the signal. In the second state, the battery provides power to the at least one other component of the transaction card. The transaction card may perform a transaction based on the transaction card being in the second state.

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
  • G06K 19/077 - 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 - Détails de structure, p.ex. montage de circuits dans le support

19.

ENABLING COMMUNICATIONS BETWEEN APPLICATIONS IN A MOBILE OPERATING SYSTEM

      
Numéro d'application US2021032424
Numéro de publication 2021/236436
Statut Délivré - en vigueur
Date de dépôt 2021-05-14
Date de publication 2021-11-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Lunati, Stephane

Abrégé

Systems, methods, and computer-readable media for communications between applications in a mobile operating system. A first application may receive a request for data from a second application. The first application may generate a first URL to the second application, a parameter of the first URL comprising an identifier of the first application. A mobile operating system may access the first URL to open the second application. The second application may validate credentials for an account and initiate a server on a port. The second application may generate a second URL to the first application, a parameter of the second URL comprising the port. The operating system may access the second URL to open the first application. The first application may establish a connection with the server using the port specified in the second URL and receive data from the second application via the connection with the server.

Classes IPC  ?

  • G06F 21/60 - Protection de données
  • H04W 12/37 - Gestion des politiques de sécurité pour des dispositifs mobiles ou pour le contrôle d’applications mobiles

20.

APPLICATION-BASED POINT OF SALE SYSTEM IN MOBILE OPERATING SYSTEMS

      
Numéro d'application US2021032688
Numéro de publication 2021/236484
Statut Délivré - en vigueur
Date de dépôt 2021-05-17
Date de publication 2021-11-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Lunati, Stephane

Abrégé

Application-based point of sale systems in mobile operating systems. A first application may generate a first URL directed to a second application, a parameter of the first URL comprising an identifier of the first application. A mobile operating system (OS) may access the first URL to open the second application. The second application may receive, from a server, a virtual account number (VAN). The second application may initiate a server on a port and generate a second URL directed to the first application, a parameter of the second URL comprising the port. The OS may access the second URL to open the first application. The first application may establish a connection with the server using the specified port and receive the VAN from the second application via the connection. The first application may autofill the VAN to a form field of a payment form in the first application.

Classes IPC  ?

  • G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]

21.

USING A THIRD PARTY DYNAMIC QR CODE ON A PERSONAL MOBILE DEVICE TO COMPLETE A TRANSACTION AT AN ATM

      
Numéro d'application US2021032927
Numéro de publication 2021/236612
Statut Délivré - en vigueur
Date de dépôt 2021-05-18
Date de publication 2021-11-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Phillips, Jeremy J.

Abrégé

Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

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 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/04 - Circuits de paiement
  • G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
  • 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

22.

AUGMENTED REALITY CARD ACTIVATION EXPERIENCE

      
Numéro d'application US2021031797
Numéro de publication 2021/231440
Statut Délivré - en vigueur
Date de dépôt 2021-05-11
Date de publication 2021-11-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Emmott, Kevan

Abrégé

Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

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

23.

METHODS AND SYSTEMS FOR MANAGING COMPUTING VIRTUAL MACHINE INSTANCES

      
Numéro d'application US2021032188
Numéro de publication 2021/231694
Statut Délivré - en vigueur
Date de dépôt 2021-05-13
Date de publication 2021-11-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Makary, Sherif

Abrégé

Disclosed are systems and methods for managing computing virtual machine instances. A method may include obtaining a state of a virtual machine instance operating in a first cloud environment at a point in time; obtaining metadata associated with the virtual machine instance at the point in time; obtaining metadata associated with the first cloud environment in which the virtual machine instance is operating at the point in time; storing the obtained state of the virtual machine instance at the point in time, the obtained metadata associated with the virtual machine instance at the point in time, and the obtained metadata associated with the first cloud environment in which the virtual machine instance is operating at the point in time; terminating the virtual machine instance operating in the first cloud environment; and restoring, via the one or more processors, the terminated virtual machine instance in the first cloud environment or a second cloud environment at a later point in time.

Classes IPC  ?

  • G06F 9/455 - Dispositions pour exécuter des programmes spécifiques Émulation; Interprétation; Simulation de logiciel, p.ex. virtualisation ou émulation des moteurs d’exécution d’applications ou de systèmes d’exploitation

24.

COMPUTER-BASED SYSTEMS OF MICROSERVICE ORCHESTRATION BASED ON BOUNDED CONTEXTS AND METHODS OF USE THEREOF

      
Numéro d'application US2021030578
Numéro de publication 2021/226025
Statut Délivré - en vigueur
Date de dépôt 2021-05-04
Date de publication 2021-11-11
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Brocato, Jim
  • Silva, Alberto
  • Lombardi, Victor
  • Bowers, Christopher

Abrégé

In order to provide agile and dynamic portfolio management, systems and methods for underwriting and portfolio management include an ecosystem including a platform, including processing devices, communication interfaces, runtime environments, and databases, where the databases are configured to store ecosystem data, where the ecosystem data includes data associated with a plurality of systems. A service layer is in communication with the platform, the service layer including containers executed in the runtime environment and configured to implement microservices, where each of the containers include: at least one microservice and a datastore device configured to store domain-specific data. An orchestrator is in communication with the service layer, the orchestrator to schedule execution of the microservices according to bounded contexts coordinated with composite application programming interfaces (API) interfacing with a microservice specific API.

Classes IPC  ?

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

25.

TECHNIQUES TO STORE AND PROCESS DATA FOR TRANSACTION ATTEMPTS BY TRANSACTION CARDS

      
Numéro d'application US2021029881
Numéro de publication 2021/222555
Statut Délivré - en vigueur
Date de dépôt 2021-04-29
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Rule, Jeffrey

Abrégé

Embodiments may be generally directed to techniques and systems to detect errors and anomalies in contactless transaction processing. These systems may include transaction cards, point-of-sale (POS) terminals, and transaction processing systems.

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 20/40 - 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

26.

ACCURATE IMAGES IN GRAPHICAL USER INTERFACES TO ENABLE DATA TRANSFER

      
Numéro d'application US2021029898
Numéro de publication 2021/222570
Statut Délivré - en vigueur
Date de dépôt 2021-04-29
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Hart, Colin

Abrégé

Systems, methods, and computer-readable media for providing accurate images of cards. An application executing on a mobile device may receive authentication credentials for an account, determine a card associated with the account, and determine a card manufacturer identifier (CMID) of the card. The application may receive, from a digital asset management system based on the CMID, a plurality of metadata attributes of the card and one or more images of the card. The application may determine, based on the metadata attributes and attributes of the mobile device, a first orientation of the card to enable near-field communication (NFC) data transfer between the card and the mobile device. The application may select a first image of the card. The application may generate a graphical user interface (GUI) including the first image and an indication specifying to tap the card to the mobile device according to the first orientation.

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

27.

TECHNIQUES TO PROVIDE SENSITIVE INFORMATION OVER A VOICE CONNECTION

      
Numéro d'application US2021030065
Numéro de publication 2021/222689
Statut Délivré - en vigueur
Date de dépôt 2021-04-30
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Benkreira, Abdelkader M’hamed
  • Mossoba, Michael
  • Edwards, Joshua

Abrégé

Embodiments may generally be directed components and techniques to detect a request to provide banking account information over a one or more voice connections, identify the requested banking account information, and generate speech data representing the banking account information requested. In embodiments further include communicating the speech data to another device.

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 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/22 - Schémas ou modèles de paiement
  • 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
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales

28.

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

      
Numéro d'application US2021029277
Numéro de publication 2021/222158
Statut Délivré - en vigueur
Date de dépôt 2021-04-27
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Ilincic, Rajko
  • Rule, Jeffrey

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 identifiers and keys for users and service providers, receiving from a client device of the service provider, via a network, a service provider token and a request for a data access key, the request generated in response to a tap action between a contactless card associated with a user and the client device, verifying the service provider is authorized to receive access to personal user data encrypted and stored on the contactless card, generating a data access key based on a user key, and transmitting to the service provider client device, via the network, the data access key, such that the client device may decrypt the personal user data obtained from the contactless card.

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
  • G06F 21/44 - Authentification de programme ou de dispositif
  • G06F 21/60 - Protection de données
  • 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
  • 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

29.

SYSTEMS AND METHODS FOR PEER-TO-PEER IDENTITY VERIFICATION

      
Numéro d'application US2021029410
Numéro de publication 2021/222255
Statut Délivré - en vigueur
Date de dépôt 2021-04-27
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Tesser, Daniel
  • Wieker, Jeffrey Carlyle
  • De La Rosa, Luis

Abrégé

An identity verification system may include a contactless card comprising a processor and a memory, and one or more applications comprising instructions for execution on one or more devices. The contactless card may be associated with a first user. A first application may be configured to transmit, after entry of the contactless card into a communication field, identity data. A second application may be configured to receive a notification based on an identity verification process. The notification may comprise an option indicative of requested access to specified information about the first user, the option further including a choice to accept or decline access to the specified information about the first user. The first application may be configured to receive the requested access to specified information about the first user based on selection of the option.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

30.

TAP TO PAY CREDIT BILL

      
Numéro d'application US2021029821
Numéro de publication 2021/222517
Statut Délivré - en vigueur
Date de dépôt 2021-04-29
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Johnson, Clayton

Abrégé

Various embodiments are directed to enhancing a card payment experience by a single tap of a contactless card to a user computing device. In examples, the single tap of the card may be preconfigured to cause automatic payment of a predefined amount toward a card balance. If the single tap is not preconfigured to mean automatic card payment, the user may be presented with a notification and various payment amount options, which the user can select to pay toward the card balance.

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
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
  • 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
  • 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

31.

INTELLIGENT CARD UNLOCK

      
Numéro d'application US2021029890
Numéro de publication 2021/222562
Statut Délivré - en vigueur
Date de dépôt 2021-04-29
Date de publication 2021-11-04
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Benkreira, Abdelkader M’hamed
  • Maiman, Tyler
  • Way, Brendan

Abrégé

Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.

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
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

32.

METHODS AND SYSTEMS FOR TRANSITION-CODED MEDIA, MEASURING ENGAGEMENT OF TRANSITION-CODED MEDIA, AND DISTRIBUTION OF COMPONENTS OF TRANSITION-CODED MEDIA

      
Numéro d'application US2021027796
Numéro de publication 2021/216376
Statut Délivré - en vigueur
Date de dépôt 2021-04-16
Date de publication 2021-10-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Barnum, Eric, K.

Abrégé

Disclosed are methods, systems, and non-transitory computer-readable medium for transition-coded media, measuring engagement of transition-coded media, and distribution of components of transition-coded media. For instance, the method may include: obtaining a media file; determining whether the media file includes transition-coded media; in response to determining the media file includes the transition-coded media, setting up a dynamic media environment; detecting whether a user is interacting with the transition-coded media; and in response to detecting the user is interacting with the transition-coded media, executing the transition-coded media with the dynamic media environment.

Classes IPC  ?

  • G06F 16/487 - Recherche caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des informations géographiques ou spatiales, p.ex. la localisation
  • G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
  • H04N 21/4722 - Interface pour utilisateurs finaux pour la requête de contenu, de données additionnelles ou de services; Interface pour utilisateurs finaux pour l'interaction avec le contenu, p.ex. pour la réservation de contenu ou la mise en place de rappels, pour la requête de notification d'événement ou pour la manipulation de contenus affichés pour la requête de données additionnelles associées au contenu
  • H04W 4/029 - Services de gestion ou de suivi basés sur la localisation

33.

AUTHORIZING A PAYMENT WITH A MULTI-FUNCTION TRANSACTION CARD

      
Numéro d'application US2021070415
Numéro de publication 2021/217168
Statut Délivré - en vigueur
Date de dépôt 2021-04-19
Date de publication 2021-10-28
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Johnson, Molly
  • Zarakas, James
  • Vukich, Adam

Abrégé

A multi-function transaction card may include a card body having dimensions that are in accordance with a standard for transaction cards, an output device on the card body, and a secure element within the card body. The multi-function transaction card may pair, via a wireless connection, the multi-function transaction card with a terminal. The multi-function transaction card may receive, from the terminal, information associated with a transaction. The multi-function transaction card may generate, based on the information associated with the transaction, and using a cryptographic key, an authorization request cryptogram (ARQC), wherein the cryptographic key is stored in the secure element. The multi-function transaction card may generate, based on the ARQC, a machine-readable code. The multi-function transaction card may display, using the output device, the machine-readable code.

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
  • 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 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
  • G06K 19/077 - 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 - Détails de structure, p.ex. montage de circuits dans le support
  • 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 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

34.

SYSTEMS AND METHODS FOR AUTHENTICATING USERS

      
Numéro d'application US2021024155
Numéro de publication 2021/211277
Statut Délivré - en vigueur
Date de dépôt 2021-03-25
Date de publication 2021-10-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Cuan, Lukiih
  • Loucks, Eric

Abrégé

Systems and methods for knowledge-based authentication are disclosed. The systems and methods can include an authentication system. The authentication system can generate authentication questions using object data received from an augmented reality system associated with a user. The authentication system can authenticate the user using the authentication questions. The augmented reality system may acquire image data, detect and validate objects in the image data, and provide object data for the objects to the authentication system. The augmented reality system may provide an indication to the user when an object is detected and may receive, in response, a user-acknowledgement of detection.

Classes IPC  ?

  • G06F 21/36 - Authentification de l’utilisateur par représentation graphique ou iconique
  • G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
  • G06F 3/01 - Dispositions d'entrée ou dispositions d'entrée et de sortie combinées pour l'interaction entre l'utilisateur et le calculateur
  • G06F 40/30 - Analyse sémantique
  • G06F 40/56 - Génération de langage naturel

35.

DETERMINING SPECIFIC TERMS FOR CONTACTLESS CARD ACTIVATION

      
Numéro d'application US2021026850
Numéro de publication 2021/211435
Statut Délivré - en vigueur
Date de dépôt 2021-04-12
Date de publication 2021-10-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Thomas, Marisa
  • Apponyi, Amy

Abrégé

Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.

Classes IPC  ?

  • 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

36.

SYSTEM AND METHOD FOR OBFUSCATING TRANSACTION INFORMATION

      
Numéro d'application US2021026089
Numéro de publication 2021/211330
Statut Délivré - en vigueur
Date de dépôt 2021-04-07
Date de publication 2021-10-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Johnson, Kyle
  • Mossoba, Michael
  • Benkreira, Abdelkader
  • Perry, Robert
  • Novis, Austen
  • Miracolo, Max
  • Mitchko, Natasha

Abrégé

A computer-implemented method for anonymizing online transaction details may include performing a process to generate an identifier (ID) and reference address for a user, and receiving a request for transaction processing from an e- commerce server. The request may include first data including: information associated with a purchase of a product to be delivered to the user; the identifier; and the reference address. The method may further include: in response to the request, determining whether the ID and reference address are included in the request, and if so, obtaining the accurate address and shipping rate rules; applying, based on the first data and the accurate address, the shipping rate rules to determine accurate shipping rate cost information associated with delivering the product to the accurate address; performing an anonymizing process on the accurate information to obtain anonymous shipping rate information, and transmitting the anonymous shipping rate information to the e-commerce server.

Classes IPC  ?

  • G06Q 10/00 - Administration; Gestion
  • 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
  • G06Q 30/06 - Transactions d'achat, de vente ou de crédit-bail

37.

DATABASE CREATION USING TABLE TYPE INFORMATION

      
Numéro d'application US2021027023
Numéro de publication 2021/211538
Statut Délivré - en vigueur
Date de dépôt 2021-04-13
Date de publication 2021-10-21
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mire, Dennis J.
  • Goyal, Puneet
  • Gupta, Siddharth
  • Kumar, Srinivas
  • Sundararaj, Deepak
  • Hazi, Oron

Abrégé

A system, method, and computer-readable medium for proving feedback on database instructions, identifying, for example, existing patterns and providing suggested replacement instructions. This may have the effect of improving the efficiency of instructions used to create and/or manipulate databases. According to some aspects, these and other benefits may be achieved by parsing received instructions into an organizational structure, traversing the organizational structure for known patterns, and suggesting replacement patterns. In implementation, this may be effected by receiving one or more sets of known patterns and corresponding replacement patterns, parsing received instructions, comparing the known patterns with the parsed instructions, and providing suggested replacement patterns based on one or more known patterns matching the parsed instructions. A benefit of may include reducing Cartesian products during the merging of tables.

Classes IPC  ?

  • G06F 16/21 - Conception, administration ou maintenance des bases de données

38.

LOCALIZED ACCOUNT FREEZE FOR FRAUDULENT TRANSACTIONS

      
Numéro d'application US2021026199
Numéro de publication 2021/207372
Statut Délivré - en vigueur
Date de dépôt 2021-04-07
Date de publication 2021-10-14
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy
  • Pham, Vincent
  • Abad, Fardin Abdi Taghi
  • Walters, Austin

Abrégé

Computer-implemented methods and systems are provided for locally freezing a user account in a geographic or digital space. Consistent with disclosed embodiments, locally freezing a user account in a geographic or digital space includes receiving fraud data associated with the user account, the fraud data including a location where a fraud associated with the user account has occurred, wherein the fraud location includes at least one of a digital location or a geographical location; receiving account data associated with the user account, the account data including non-fraudulent account transaction information; generating a pattern of fraud based on the fraud data; generating a pattern of use associated with the user account based on the account data; determining a geodigital area for a localized account freeze based on the pattern of fraud and the pattern of use; and performing a localized account freeze on the user account based on the determined geodigital area.

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
  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

39.

DYNAMIC NETWORK GRAPH GENERATION BASED ON AUTOMATED ENTITY AND/OR ACTIVITY RESOLUTION

      
Numéro d'application US2021025138
Numéro de publication 2021/202702
Statut Délivré - en vigueur
Date de dépôt 2021-03-31
Date de publication 2021-10-07
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Jain, Aman
  • Faruquie, Tanveer, Afzal
  • Johnson, Christopher, J.
  • Wei, Jihan

Abrégé

In order to facilitate dynamic graphing of entity networks based on activity, systems and methods include a processor receiving entity-specific data records and a plurality of entity-related activity records for a plurality of entities, where each entity-specific activity record includes activity data regarding at least one activity associated with an entity. The processor generates graph nodes for an entity activity graph based on the plurality of entity-specific data records, where each graph node of the plurality of graph nodes represents the particular entity and then generating an activity data structure, including the graph nodes and edges between the graph nodes, where the edges represent characteristics of the activities between graph nodes based on the entity-related activity record.

Classes IPC  ?

  • G06F 17/30 - Recherche documentaire; Structures de bases de données à cet effet

40.

LIVE CAPTION FEEDBACK SYSTEMS AND METHODS

      
Numéro d'application US2021020716
Numéro de publication 2021/194708
Statut Délivré - en vigueur
Date de dépôt 2021-03-03
Date de publication 2021-09-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rafferty, Galen
  • Walters, Austin
  • Goodsitt, Jeremy Edward
  • Pham, Vincent
  • Watson, Mark
  • Farivar, Reza
  • Truong, Anh

Abrégé

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

Classes IPC  ?

  • H04N 21/458 - Ordonnancement de contenu pour créer un flux personnalisé, p.ex. en combinant une publicité stockée localement avec un flux d'entrée; Opérations de mise à jour, p.ex. pour modules de système d'exploitation
  • G10L 15/30 - Reconnaissance distribuée, p.ex. dans les systèmes client-serveur, pour les applications en téléphonie mobile ou réseaux
  • H04N 21/2187 - Transmission en direct
  • H04N 21/6587 - Paramètres de contrôle, p.ex. commande de lecture à vitesse variable ("trick play") ou sélection d’un point de vue

41.

SYSTEM AND METHOD FOR PROCESSING A CRYPTOCURRENCY TRANSACTION USING A SMART TRANSACTION CARD

      
Numéro d'application US2021023588
Numéro de publication 2021/195022
Statut Délivré - en vigueur
Date de dépôt 2021-03-23
Date de publication 2021-09-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Vukich, Adam
  • Zarakas, James
  • Johnson, Molly

Abrégé

In a method for conducting a transaction using a transaction card, communication between the card's data processor and a transaction terminal is established and the data processor receives from the terminal first transaction information for a financial transaction, the information including a transaction type and a monetary value. The data processor transmits to a user device a cryptocurrency transaction processing request including identification of an amount of cryptocurrency stored in the card's memory that has a value equal to the transaction monetary value. At least a portion of the request is encrypted using private and public encryption keys. The request is configured for retransmission by the user device to a cryptocurrency exchange processor. The card's data processor transmits to the transaction terminal second transaction information usable by the transaction terminal to complete the transaction and updates a cryptocurrency balance stored in the card's memory.

Classes IPC  ?

  • G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
  • 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 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

42.

WEARABLE DEVICES AND RELATED SYSTEMS FOR AUTHENTICATING A USER WITH SURFACE ELECTROMYOGRAM (sEMG)-SIGNALS

      
Numéro d'application US2021020705
Numéro de publication 2021/194707
Statut Délivré - en vigueur
Date de dépôt 2021-03-03
Date de publication 2021-09-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Moreno, Jose, Antonio

Abrégé

Before or after a first-type authentication has been completed, disclosed devices, systems, and methods may conduct a second-type authentication to authenticate a user such that the user can log into a secure device and/or access secure content. An example system may cause a wearable device to activate a biosensor, which extends along a full internal circumference of the wearable device when worn, to detect at least a first sEMG signal on the user's skin responsive to the user performing a first gesture. The system may also generate or receive a first user signature based on the first sEMG signal and determine whether the first user signature matches stored authentication training data. In response to determining that there is a match, the system may complete the second-type authentication to authenticate the user.

Classes IPC  ?

  • G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée

43.

DEVICES AND METHODS FOR PROVIDING EMERGENCY INFORMATION USING A PAYMENT CARD

      
Numéro d'application US2021023386
Numéro de publication 2021/194917
Statut Délivré - en vigueur
Date de dépôt 2021-03-22
Date de publication 2021-09-30
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Benkreira, Abdelkader
  • Mossoba, Michael

Abrégé

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

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 50/22 - Aide sociale
  • G16H 10/65 - TIC spécialement adaptées à la manipulation ou au traitement de données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p.ex. pour des dossiers électroniques de patients stockées sur des supports d’enregistrement portables, p.ex. des cartes à puce, des étiquettes d’identification radio-fréquence [RFID] ou des CD

44.

METHODS AND SYSTEMS FOR UNIVERSAL DEEP LINKING ACROSS WEB AND MOBILE APPLICATIONS

      
Numéro d'application US2021022718
Numéro de publication 2021/188640
Statut Délivré - en vigueur
Date de dépôt 2021-03-17
Date de publication 2021-09-23
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Bailey, Kristina
  • Safford, Todd
  • Rosenbaum, Andrew

Abrégé

In some embodiments, methods and systems described herein improve upon existing deep linking concepts, by creating links directed to a feature registry which may then serve the user's need of selecting and accessing a given feature. For example, the system may receive, at a server, a feature registry request from a feature registry application on a local device, wherein the feature registry request is generated by the local device in response to a user selection of hyperlinked content associated with the feature registry application. In response to receiving the feature registry request, the system may determine, at the server, whether a feature is available on a feature registry.

Classes IPC  ?

  • G06F 16/9535 - Adaptation de la recherche basée sur les profils des utilisateurs et la personnalisation
  • G06F 16/955 - Recherche dans le Web utilisant des identifiants d’information, p.ex. des localisateurs uniformisés de ressources [uniform resource locators - URL]
  • G06F 16/957 - Optimisation de la navigation, p.ex. mise en cache ou distillation de contenus
  • G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur
  • G06F 16/958 - Organisation ou gestion de contenu de sites Web, p.ex. publication, conservation de pages ou liens automatiques
  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
  • H04M 1/247 - Appareils téléphoniques munis de moyens d’aide à l’utilisateur ou de moyens de sélection de fonction facilitant leur emploi

45.

AUDIO-BASED SECURITY FOR AUTOMATED TELLER MACHINES

      
Numéro d'application US2021019384
Numéro de publication 2021/178174
Statut Délivré - en vigueur
Date de dépôt 2021-02-24
Date de publication 2021-09-10
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Simpson, Danielle
  • Sangi, Saleem Ahmed
  • Konopa, Matthew B.
  • Oh, Brian J.

Abrégé

Disclosed herein are system, method, and computer program product embodiments for verification of proximity to a kiosk, such as an ATM. The mobile application installed on a mobile device may be used to setup a prestaged transaction. When the mobile device is in the proximity to the kiosk to complete the prestaged transaction, a location of the mobile device may be verified using ambient sound recorded by a microphone of the mobile device. The ambient sound may be songs, tones, or ultrasonic sound played by a sound system near the kiosk. The recorded ambient sound may then be compared to expected audio from the sound system to determine whether the mobile device is in proximity to the kiosk.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06F 21/33 - Authentification de l’utilisateur par certificats
  • 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 21/36 - Authentification de l’utilisateur par représentation graphique ou iconique
  • G06F 21/43 - Authentification de l’utilisateur par des canaux séparés pour les données de sécurité par des canaux sans fil
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

46.

SYSTEMS, METHODS, AND COMPUTER-ACCESSIBLE MEDIUMS FOR REPRESSING OR TURNING OFF THE READ OF A DIGITAL TAG

      
Numéro d'application US2021019406
Numéro de publication 2021/178175
Statut Délivré - en vigueur
Date de dépôt 2021-02-24
Date de publication 2021-09-10
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Moreton, Paul
  • Lutz, Wayne

Abrégé

An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device a digital tag, the tag configured to be associated with at least one application on a second device, such that receipt of the tag on the second device launches the application on the second device; and emitting from the first device to a second device the digital tag; wherein the application on the second device is configured to launch in a special state when the second device is in at least one state from a pre-determined list of states.

Classes IPC  ?

  • H04B 5/00 - Systèmes de transmission à induction directe, p.ex. du type à boucle inductive
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04W 12/12 - Détection de fraude

47.

SYSTEM, METHOD AND COMPUTER-ACCESSIBLE MEDIUM FOR AUTHENTICATION OF REWARDS INFORMATION

      
Numéro d'application US2021020812
Numéro de publication 2021/178629
Statut Délivré - en vigueur
Date de dépôt 2021-03-04
Date de publication 2021-09-10
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Key, Kate
  • Taylor, Kenneth
  • Watson, Mark
  • Goodsitt, Jeremy
  • Pham, Vincent
  • Truong, Anh
  • Walters, Austin
  • Abad, Fardin Abdi Taghi

Abrégé

An exemplary system, method and computer-accessible medium can include receiving information regarding a purchase by a person, receiving financial account information regarding a financial account associated with the person that was used to fund the purchase, generating rewards information associated with the purchase, generating an authentication token(s) based on the financial account information, sending the rewards information and the authentication token(s) over a network, and receiving a confirmation, over the network, that a rewards account associated with the person has been updated.

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

48.

SYSTEM AND METHOD FOR MANAGING SOFTWARE ERROR RESOLUTION

      
Numéro d'application US2021019645
Numéro de publication 2021/173820
Statut Délivré - en vigueur
Date de dépôt 2021-02-25
Date de publication 2021-09-02
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy
  • Farvivar, Reza
  • Walters, Austin

Abrégé

A computer-implemented method may include: receiving first data that may include information associated with an error in an execution of code; based on the first data, determining: for each contributor in a predetermined list of contributors: a respective familiarity value indicative of an amount of association between the contributor and the error in the code; and a respective set of task management statistics; and an urgency value of the error; using an optimization model, selecting at least one contributor from the predetermined list of contributors to assign to the error, the optimization model based on the respective familiarity values and the respective sets of task management statistics for each contributor, and the urgency value of the error; and transmitting a notification indicative of the error to a computing device associated with the at least one contributor assigned to the error.

Classes IPC  ?

  • G06F 8/71 - Gestion de versions ; Gestion de configuration
  • G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
  • G06F 11/36 - Prévention d'erreurs en effectuant des tests ou par débogage de logiciel
  • 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 8/77 - Métriques logicielles

49.

SYSTEM AND METHOD FOR INSERTING DATA INTO AN INTERNET BROWSER FORM

      
Numéro d'application US2020066425
Numéro de publication 2021/162786
Statut Délivré - en vigueur
Date de dépôt 2020-12-21
Date de publication 2021-08-19
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Nguyen, Vu
  • Gabriele, David
  • Rodriguez, Jonatan Yucra
  • Vukich, Adam
  • Benkreira, Abdelkader
  • Edwards, Joshua

Abrégé

Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

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 20/34 - 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 20/08 - Architectures de paiement

50.

SYSTEM AND METHOD FOR ESTABLISHING AN INTERACTIVE COMMUNICATION SESSION

      
Numéro d'application US2021017781
Numéro de publication 2021/163426
Statut Délivré - en vigueur
Date de dépôt 2021-02-12
Date de publication 2021-08-19
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Benkreira, Abdelkader M'Hamed
  • Edwards, Joshua

Abrégé

A system and method of establishing a communication session is disclosed herein. A computing system receives, from a client device, a content item comprising text-based content. The computing system generates a mark-up version of the content item by identifying one or more characters in the text-based content and a relative location of the one or more characters in the content item. The computing system receives, from the client device, an interrogatory related to the content item. The computing system analyzes the mark-up version of the content item to identify an answer to the interrogatory. The computing system generates a response message comprising the identified answer to the interrogatory. The computing system transmits the response message to the client device.

Classes IPC  ?

  • G06F 15/16 - Associations de plusieurs calculateurs numériques comportant chacun au moins une unité arithmétique, une unité programme et un registre, p.ex. pour le traitement simultané de plusieurs programmes
  • G06F 3/00 - Dispositions d'entrée pour le transfert de données à traiter pour leur donner une forme utilisable par le calculateur; Dispositions de sortie pour le transfert de données de l'unité de traitement à l'unité de sortie, p.ex. dispositions d'interface

51.

ACCOUNT SECURITY SYSTEM

      
Numéro d'application US2020066646
Numéro de publication 2021/154426
Statut Délivré - en vigueur
Date de dépôt 2020-12-22
Date de publication 2021-08-05
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkader

Abrégé

A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.

Classes IPC  ?

  • G06K 9/62 - Méthodes ou dispositions pour la reconnaissance utilisant des moyens électroniques
  • G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts, autorisations de crédit, hypothèques, banque à domicile ou banque en ligne
  • G06Q 50/01 -

52.

TECHNIQUES TO PROVIDE STREAMING DATA RESILIENCY UTILIZING A DISTRIBUTED MESSAGE QUEUE SYSTEM

      
Numéro d'application US2021013345
Numéro de publication 2021/146363
Statut Délivré - en vigueur
Date de dépôt 2021-01-14
Date de publication 2021-07-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Govil, Lavangana
  • Ravi, Vijayasuriya

Abrégé

Embodiments include techniques to receive and process data from a data service provider, communicate a plurality of messages comprising the data to a streaming data platform and detect a failure of delivery of the plurality of messages to the streaming data platform. Embodiments further include techniques communicate the plurality of messages to a distributed message queue service of a distributed message queue system, publish each of the plurality of messages to the streaming data platform, determine each of the plurality of messages published to the streaming data platform was successful or unsuccessful, and retry publication of each unsuccessfully published message of plurality of messages to the streaming data platform.

Classes IPC  ?

  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
  • G06F 9/54 - Communication interprogramme
  • G06F 16/182 - Systèmes de fichiers distribués
  • H04L 29/14 - Contre-mesures pour remédier à un défaut

53.

A RESOURCE MONITOR FOR MONITORING LONG-STANDING COMPUTING RESOURCES

      
Numéro d'application US2021013379
Numéro de publication 2021/146384
Statut Délivré - en vigueur
Date de dépôt 2021-01-14
Date de publication 2021-07-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Sciarrino, Michael

Abrégé

Disclosed herein are system, apparatus, article of manufacture, method, and/or computer program product embodiments for monitoring long-standing computing resources. An apparatus may operate by receiving a cloud monitoring notification, where the cloud monitoring notification may indicate an occurrence of a monitored condition. The apparatus may then operate by scanning a cluster computing system for resource having a client assigned resource identifier and a computing resource attribute based on a resource identifier scan parameter and a resource attribute scan parameter. The apparatus may further operate by generating a resource notification request based on the scanning of the cluster computing system and transmitting the resource notification request to a communications system to notify a user that the resource has a computing resource attribute that match the resource attribute scan parameter.

Classes IPC  ?

  • G06F 9/48 - Lancement de programmes; Commutation de programmes, p.ex. par interruption
  • G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
  • G06F 9/54 - Communication interprogramme

54.

SECURING A CARDLESS ATM AUTHENTICATION THROUGH POSITION DETECTION

      
Numéro d'application US2020064227
Numéro de publication 2021/145979
Statut Délivré - en vigueur
Date de dépôt 2020-12-10
Date de publication 2021-07-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Miller, Mitchell

Abrégé

Systems and methods includes a kiosk. The kiosk performs an electronic payment transaction based on instructions received from a portable device of a user. The system further includes a transmitting device electrically coupled to the kiosk. The transmitting device is configured to transmit a first signal to the portable device at a first direction. The system further includes a receiving device electrically coupled to the kiosk. The receiving device is configured to receive a second signal from the portable device at a second direction. The transmitting device and receiving device are positioned such that the first and second direction enable determination of a position of the user, where the processor enables the electronic payment transaction to be processed only when the portable device is at a location relative to the kiosk. The location is disposed within a transmission path coextensive with both the first direction and the second direction.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G07F 9/00 - APPAREILS DÉCLENCHÉS PAR DES PIÈCES DE MONNAIE OU APPAREILS SIMILAIRES - Parties constitutives autres que celles particulières à des genres ou types particuliers d'appareils
  • 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

55.

SYSTEMS AND METHODS FOR DATA PROTECTION

      
Numéro d'application US2020067142
Numéro de publication 2021/141788
Statut Délivré - en vigueur
Date de dépôt 2020-12-28
Date de publication 2021-07-15
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Watson, Mark
  • Truong, Anh
  • Pham, Vincent
  • Farivar, Reza
  • Abad, Fardin Abdi Taghi
  • Goodsitt, Jeremy
  • Walters, Austin

Abrégé

A system includes a data owner interface, a database, a requester interface, an approver interface, a database interface, and a central controller. The data owner interface can provide protected data and data usage rules. The database can store the protected data. The requester interface can provide a request to access the protected data and receive sanitized results. The approver interface can provide approval or disapproval of access to the protected data and receive the data usage rules. The database interface can store the protected data in the database and provide access to the protected data.

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

56.

TRANSFER OF A TRANSACTION FROM A WOUNDED ATM TO ANOTHER ATM

      
Numéro d'application US2020063715
Numéro de publication 2021/141705
Statut Délivré - en vigueur
Date de dépôt 2020-12-08
Date de publication 2021-07-15
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mckinnon, Nathaniel
  • Awadallah, Ehab M.
  • Phillips, Jeremy J.

Abrégé

Disclosed herein are system, method, and computer program product embodiments for completing the transaction at another ATM upon determining that an ATM where a transaction being performed is unable to complete the transaction. Upon detection of an error condition at the ATM, a current status of the transaction being performed at the ATM and the error condition may be analyzed to determine an option to complete the transaction. Upon determination that the transaction can be completed at the other ATM, a notification may be sent to the customer. In response to the notification, information identifying the transaction may be received from the other ATM, and a session identifying the transaction may be sent to the other ATM, thereby allowing the transaction to complete at the other ATM.

Classes IPC  ?

  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • 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

57.

LIVE VIDEO STREAMING BASED ON AN ENVIRONMENT-RELATED TRIGGER

      
Numéro d'application US2020066989
Numéro de publication 2021/141785
Statut Délivré - en vigueur
Date de dépôt 2020-12-23
Date de publication 2021-07-15
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Saia, Michael
  • Maiman, Tyler

Abrégé

In certain embodiments, streaming of a live video to trigger-associated recipients in response to triggers in an environment may be facilitated. In some embodiments, one or more triggers may be detected in an environment, and one or more actions associated with the detected triggers may be performed. As an example, where such associated actions include streaming a live video of the environment to one or more recipients, the recipients may be selected as candidates to receive the live video stream based on the recipients being part of a recipient list associated with a detected trigger. In some embodiments, although a first recipient of the recipient list may initially be selected to receive the live video stream, the live video may be streamed to a second recipient of the recipient list based on the first recipient being unavailable to receive the live video stream.

Classes IPC  ?

  • H04N 21/2187 - Transmission en direct
  • G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales
  • H04N 7/18 - Systèmes de télévision en circuit fermé, c. à d. systèmes dans lesquels le signal n'est pas diffusé

58.

TAPPING A CONTACTLESS CARD TO A COMPUTING DEVICE TO PROVISION A VIRTUAL NUMBER

      
Numéro d'application US2020061930
Numéro de publication 2021/137973
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 2021-07-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Hart, Colin
  • Newman, Kaitlin

Abrégé

Systems, methods, articles of manufacture, and computer-readable media for tapping a contactless card to a computing device to provision a virtual number. At least one parameter for authorizing a virtual account number for a subaccount associated with a primary account may be received. An application executing on a processor circuit may receive authentication credentials for the primary account. A card reader may receive encrypted data from a communications interface of a contactless card. The application may transmit the encrypted data to an authentication server. The application may receive verification of the encrypted data from the authentication server. The application may provide the at least one parameter for authorizing the virtual account number and receive a virtual account number for the subaccount generated by a virtual card number server, the virtual account number restricted to a spending limit based on the amount parameter associated with the virtual account number.

Classes IPC  ?

  • G06F 21/34 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes
  • G06Q 20/08 - Architectures de paiement
  • G07F 7/10 - 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 utilisée simultanément avec un signal codé

59.

TECHNIQUES TO CONTROL APPLETS FOR CONTACTLESS CARDS

      
Numéro d'application US2020061939
Numéro de publication 2021/137974
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 2021-07-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossler, Lara
  • Chandran, Madhavan

Abrégé

Various embodiments are generally directed to techniques provide and control applets for transaction cards. More specifically, embodiments discussed here include permitting or denying applets of transaction cards based on whether they are enabled or disabled. Embodiments may also include enabling and disable applets for transaction cards.

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

60.

SYSTEMS AND METHODS FOR PERFORMING A REISSUE OF A CONTACTLESS CARD

      
Numéro d'application US2020061865
Numéro de publication 2021/137969
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Herrington, Daniel
  • Ilincic, Rajko

Abrégé

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 department 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).

Classes IPC  ?

  • 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 19/077 - 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 - Détails de structure, p.ex. montage de circuits dans le support
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • 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

61.

CONTACTLESS CARD AND METHOD OF ASSEMBLY

      
Numéro d'application US2020062581
Numéro de publication 2021/137987
Statut Délivré - en vigueur
Date de dépôt 2020-11-30
Date de publication 2021-07-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Wurmfeld, David

Abrégé

A method of forming a contactless transaction card. The method may include providing a card body, defining a window, and attaching an antenna assembly layer to the card body, where the antenna assembly layer includes an antenna, a set of curable connectors, disposed on a set of end regions of the antenna within the window, and a UV-transparent layer, supporting the antenna. The method may include providing a contactless chip module within the window on a first side of the antenna assembly layer, and directing radiation through the UV-transparent layer, wherein the contactless chip module is electrically connected to the antenna via the curable connectors.

Classes IPC  ?

  • G06K 19/077 - 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 - Détails de structure, p.ex. montage de circuits dans le support

62.

ONLINE TRANSACTION VERIFICATION BASED ON MERCHANT-INDEPENDENT USER GEOLOCATION

      
Numéro d'application US2020067207
Numéro de publication 2021/138276
Statut Délivré - en vigueur
Date de dépôt 2020-12-28
Date de publication 2021-07-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Joshua
  • Mossoba, Michael
  • Benkreira, Abdelkader

Abrégé

In certain embodiments, an online transaction is verified based on merchant-independent user geolocation. A geolocation of a user associated with the online transaction is obtained from a mobile device of the user by a transaction verifying entity separate and independent from a merchant entity with which the online transaction is initiated. A server associated with the transaction verifying entity determines a proximity of the geolocation of the user to a delivery address for verifying the online transaction. The server generates a verification message including an approval message based on the proximity of the geolocation to the delivery address being within a specified threshold. The server generates a verification message including a rejection message based on the proximity of the geolocation to a delivery address exceeding the specified threshold. The server sends the verification message to another server associated with the merchant entity to carry out the online transaction accordingly.

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
  • G06Q 10/08 - Logistique, p.ex. entreposage, chargement, distribution ou expédition; Gestion d'inventaire ou de stocks, p.ex. exécution d'une commande, approvisionnement ou régularisation par rapport aux commandes
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

63.

SYSTEM AND METHOD FOR DETECTING FRAUDULENT BANK TRANSACTIONS

      
Numéro d'application US2020059678
Numéro de publication 2021/133477
Statut Délivré - en vigueur
Date de dépôt 2020-11-09
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Post, Richard Allen

Abrégé

A system for detecting a fraudulent ATM transaction is disclosed. The system relates to an ATM machine that receives a bank/ATM card from a customer. The ATM first attempts to read information from the card chip, but is unable to do so due to a read error. The ATM then instead reads the information from the magnetic strip, and initiates a fraud detection procedure. In one such procedure, the ATM uses a local wireless access point to detect a customer's device, such as a phone, in the vicinity of the ATM. In another such procedure, the ATM communicates with a backend server. The backend server then determines the location of the customer device either by transmitting a message to request authorization, or by utilizing GPS or other location detection means on the customer device to determine whether the customer device is within the ATM vicinity.

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
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • 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

64.

GENERATING BARCODES UTILIZING CRYPTOGRAPHIC TECHNIQUES

      
Numéro d'application US2020061788
Numéro de publication 2021/133492
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Osborn, Kevin
  • Chigurupati, Srinivasa

Abrégé

Various embodiments are generally directed to authenticating a user for non-payment purposes utilizing a payment protocol, a computer device and a contactless card. The payment protocol may be consistent with an EMV standard. An application may determine that authorization or verification of a user may be required to access non-payment features of another application associated with the user and the computer device. The application may then receive and/or facilitate transmission of encrypted data from a communications interface of a contactless card associated with an account and utilizing either an offline or online technique to do so. The offline or online technique may involve one or more operations that can verify the identity of the user and/or otherwise authorize the user to have access to various aspects of the other application.

Classes IPC  ?

  • 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

65.

SECURE AUTHENTICATION BASED ON PASSPORT DATA STORED IN A CONTACTLESS CARD

      
Numéro d'application US2020061799
Numéro de publication 2021/133493
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Edwards, Samuel
  • Pribble, Jason
  • Capurso, Nicholas

Abrégé

Systems, methods, articles of manufacture, and computer-readable media for secure authentication based on passport data stored in a contactless card associated with an account. An application may receive an indication to perform an operation. The application may receive encrypted data from the card. The application may receive an indication that the authentication server verified the encrypted data based on a private key. The application may receive encrypted passport data from the contactless card, the encrypted passport data for a passport associated with the account. The application may determine an attribute of the passport based at least in part on image data or text input. The application may decrypt the encrypted passport data based on the attribute of the passport. The application may initiate performance of the operation based on the received indication specifying that the authentication server verified the encrypted data and the decryption of the encrypted passport data.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

66.

CONTACTLESS CARD PERSONAL IDENTIFICATION SYSTEM

      
Numéro d'application US2020061864
Numéro de publication 2021/133494
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Chigurupati, Srinivasa
  • Rule, Jeffrey

Abrégé

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

Classes IPC  ?

  • G06F 21/34 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes
  • 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
  • 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
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • 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

67.

METHOD FOR MAPPING NFC FIELD STRENGTH AND LOCATION ON MOBILE DEVICES

      
Numéro d'application US2020061870
Numéro de publication 2021/133496
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
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  ?

  • 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

68.

SECURE AUTHENTICATION BASED ON IDENTITY DATA STORED IN A CONTACTLESS CARD

      
Numéro d'application US2020061785
Numéro de publication 2021/133491
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
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 perform 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 determine 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  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • 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
  • 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

69.

SECURE PASSWORD GENERATION AND MANAGEMENT USING NFC AND CONTACTLESS SMART CARDS

      
Numéro d'application US2020061867
Numéro de publication 2021/133495
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
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 humanreadable characters may be used as the secure password or it may be transformed to add more layers of security and complexity.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • G06F 21/46 - Structures ou outils d’administration de l’authentification par la création de mots de passe ou la vérification de la solidité des mots de passe
  • 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
  • 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
  • H04L 9/08 - Répartition de clés
  • 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]
  • H04W 12/06 - Authentification

70.

CARD ISSUING WITH RESTRICTED VIRTUAL NUMBERS

      
Numéro d'application US2020061871
Numéro de publication 2021/133497
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Osborn, Kevin
  • Lutz, Wayne

Abrégé

Various embodiments are directed to applying, via contactless card authentication, one or more restrictions to a virtual card number and generating the card number for use by a recipient. The one or more restrictions may be specifically personalized to the recipient and may include, for example, a merchant restriction, an amount restriction, a time period restriction, or a location restriction. The generated virtual card number along with the applied one or more restrictions may be consumed in various ways, such as writing the number to a blank card, transmitting the number directly to the recipients computing device, etc., all via near-field communication.

Classes IPC  ?

  • 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

71.

AUTHENTICATION FOR THIRD PARTY DIGITAL WALLET PROVISIONING

      
Numéro d'application US2020061873
Numéro de publication 2021/133498
Statut Délivré - en vigueur
Date de dépôt 2020-11-23
Date de publication 2021-07-01
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 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

72.

ACCOUNT REGISTRATION USING A CONTACTLESS CARD

      
Numéro d'application US2020061933
Numéro de publication 2021/133500
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Cody, Lea
  • Lutz, Wayne
  • Newman, Kaitlin

Abrégé

Account registration using a contactless card. A payment application executing on a device may receive a request to generate a payment account using a contactless card. The payment application may receive encrypted data from the contactless card and transmit the encrypted data to a server associated with the contactless card. The device may receive a push notification from the server and open an account application associated with the contactless card responsive to selection of the push notification. The account application may receive confirmation to generate the payment account using the contactless card and transmit the confirmation to the server. The device may open the payment application responsive to receiving verification of the encrypted data from the server. The payment application may fill form fields with account data received from the server and generate the payment account using the account data received from the server filled into the form fields.

Classes IPC  ?

  • 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

73.

STEGANOGRAPHIC IMAGE ENCODING OF BIOMETRIC TEMPLATE INFORMATION ON A CARD

      
Numéro d'application US2020061937
Numéro de publication 2021/133501
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 2021-07-01
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  ?

  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
  • G06F 21/34 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes
  • G06F 21/36 - Authentification de l’utilisateur par représentation graphique ou iconique
  • 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

74.

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

      
Numéro d'application US2020061960
Numéro de publication 2021/133502
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 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  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04W 12/06 - Authentification
  • 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]
  • 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 4/14 - 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

75.

ACCESSING AND UTILIZING MULTIPLE LOYALTY POINT ACCOUNTS

      
Numéro d'application US2020061972
Numéro de publication 2021/133503
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 2021-07-01
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Osborn, Kevin
  • Chigurupati, Srinivasa
  • Rule, Jeffrey

Abrégé

Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: determining that a user is requesting access to a loyalty points account database, receiving encrypted data generated based a cryptographic algorithm and a diversified key, receiving, a verification of the user, the verification including verifying a data combination that includes the encrypted data, where a server associated with the issuer may decrypt the data combination based on the cryptographic algorithm and the diversified key, responsive to receiving the verification of the user, accessing the database associated with a loyalty points account of the user, and authorizing a redemption of a plurality of loyalty points associated with the loyalty points account.

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

76.

TRANSACTION EXCHANGE PLATFORM HAVING STREAMING TRANSACTION DATA AND MICROSERVICES

      
Numéro d'application US2020065979
Numéro de publication 2021/127412
Statut Délivré - en vigueur
Date de dépôt 2020-12-18
Date de publication 2021-06-24
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Lee, Earle Michael
  • Planck, William
  • May, Jordan

Abrégé

Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.

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
  • 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

77.

AUTOMATICALLY SETTING MODIFICATION TRIGGER EVENTS IN RECORDS OF REMOTE DATABASES TO RECEIVE AUTOMATIC DATA UPDATES

      
Numéro d'application US2020064177
Numéro de publication 2021/119233
Statut Délivré - en vigueur
Date de dépôt 2020-12-10
Date de publication 2021-06-17
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Lo, Jessica
  • Zhao, Jianshi

Abrégé

A method may include receiving, by at least one processor associated with a financial institution, a purchase transaction information of a purchase of at least one airline ticket from a flight booking database. The purchase transaction information may be associated with an account of a payment card issued by a financial institution. A travel advisory may automatically be applied to the account of the payment card based on a first destination location and a first departure date of the at least one airline ticket. The at least one processor may establish an airline reservation modification trigger event in the flight booking database and may receive the modified airline reservation information from the flight booking database when the airline reservation information was modified. The travel advisory may be updated for the account of the payment card issued by the financial institution in accordance with the modified airline reservation information.

Classes IPC  ?

78.

TRANSFERRING A CUSTOMER FROM AN ATM TRANSACTION TO A DEVICE-BASED TRANSACTION DURING AN ERROR STATE, AND APPLICATIONS THEREOF

      
Numéro d'application US2020059618
Numéro de publication 2021/113022
Statut Délivré - en vigueur
Date de dépôt 2020-11-09
Date de publication 2021-06-10
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Phillips, Jeremy J.
  • Schott, Christopher

Abrégé

A system and method of operating a computing system including: detecting, based on a log file of an automated teller machine (ATM), an error event; identifying a customer associated with the error event based on the log file; accessing, from a customer identification database, a customer profile associated with the customer; authenticating the customer on a mobile application, based on the customer profile; and initiating a mobile transaction session based on authenticating the customer, wherein the customer can complete a transaction with the ATM via the mobile application during the mobile transaction session.

Classes IPC  ?

  • G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts

79.

PRE-CHAT INTENT PREDICTION FOR DIALOGUE GENERATION

      
Numéro d'application US2020061607
Numéro de publication 2021/113096
Statut Délivré - en vigueur
Date de dépôt 2020-11-20
Date de publication 2021-06-10
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Igure, Vinay
  • Karp, Scott
  • Mueller, Erik

Abrégé

In certain embodiments, pre‑chat intent prediction and dialogue generation may be facilitated. In some embodiments, a chat initiation request may be obtained from a user. The latest activity information associated with the user may be provided to a prediction model to obtain predicted intents of the user. For each intent of the current intents, a candidate question may be selected from a question set based on the candidate question matching the intent. Within ten seconds of the chat initiation request, the candidate questions may be simultaneously presented on the chat interface. A user selection of a first question of the candidate questions may be obtained via the chat interface responsive to the presentation of the candidate questions. Based on the user selection and the first question matching a first intent of the predicted intents, the first intent may be provided as reference feedback for the prediction model.

Classes IPC  ?

80.

BLOCKCHAIN PAYMENT NOTIFICATION SYSTEM

      
Numéro d'application US2020061341
Numéro de publication 2021/108225
Statut Délivré - en vigueur
Date de dépôt 2020-11-19
Date de publication 2021-06-03
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mokshagundam, Rajendra
  • Menon, Smitha
  • Koythatta Mee, Rajeesh

Abrégé

A system and method for payment notification using blockchain. The system and method relate to real-time monitoring and updating of a list of accounts that have not satisfied a minimum payment amount due. The real-time monitoring and updating of the list occurs through the use of a blockchain monitoring payment information by a user to the account. The blockchain is continually updated every time a payment is made. A notification system receives each update and is aware, in real-time, whether a user has satisfied a minimum payment amount due and thus whether an account is current or in need of a collections notification.

Classes IPC  ?

  • G06Q 20/00 - Architectures, schémas ou protocoles de paiement

81.

FRAUD DETECTION BASED ON FEATURES ASSOCIATED WITH PHYSICAL CARDS

      
Numéro d'application US2020061686
Numéro de publication 2021/108279
Statut Délivré - en vigueur
Date de dépôt 2020-11-20
Date de publication 2021-06-03
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Walters, Austin
  • Rafferty, Galen
  • Goodsitt, Jeremy

Abrégé

Systems and methods for performing fraud detection at POA devices based on analysis of feature sets are disclosed. In one embodiment, an exemplary method may comprise: obtaining, by a POS device, upon initiation of a transaction involving a card or a card and mobile device associated with an individual initiating the transaction, one or more sensory inputs and an identifier; mapping, by the POS device, the one or more sensory inputs to a first cluster position of a plurality of clusters; determining whether the cluster position of the cluster mapped for the transaction corresponds to a second cluster position of the at least one expected cluster associated with the known owner of the card and/or mobile device; and initiating, by the POS device, at least one second factor authentication process to establish that the individual is the known owner of the card and/or mobile device being used in the transaction.

Classes IPC  ?

  • G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
  • 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

82.

AUTOMATIC OPTIMAL PAYMENT TYPE DETERMINATION SYSTEMS

      
Numéro d'application US2020061993
Numéro de publication 2021/108394
Statut Délivré - en vigueur
Date de dépôt 2020-11-24
Date de publication 2021-06-03
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Cohn, Andrew
  • Schultz, Katelyn
  • Alkisswani, Fouad
  • Elliott, Richard
  • Dau, Kylen
  • Dutt, Rajsaday
  • Jabif Epsztejn, Marcelo

Abrégé

A system for providing a payment includes a processor and a memory configured to cause the system to receive a payment request representative of a payment amount, a payor identification, and a payee identification. The system includes means for determining payor cash holdings and payor available credit as well as authenticating the validity of a payment request and identity of the payor via received biometric data from a payor device. The system may further receive data representative of payee approved payment methods and determine a payment composition based on the payment amount, payor payment preferences, payor cash holdings and payor available credit. Based on the payee approved payment methods, the system may determine one or more payment types. The system may convey the payment amount to the payee in the form of one or more payment types and may fund the payment amount according to the payment composition.

Classes IPC  ?

83.

SERVER SIDE AUTHENTICATION

      
Numéro d'application US2020060853
Numéro de publication 2021/101871
Statut Délivré - en vigueur
Date de dépôt 2020-11-17
Date de publication 2021-05-27
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Cottingham, Elias
  • Delgado, Eric

Abrégé

A server may perform server side authentication of a user device. The user device may generate a first authentication string by performing a hash function on a username, a password, and a first salt. The first authentication string may be registered with the server for subsequent login attempts. At login, the user device generates the first authentication string and transmits the first authentication string to the server. When the authentication strings match, the user device is authenticated. The user device may also update the first authentication string. The server may provide the first salt and a second salt to the user device. The user device may generate a first authentication string and a second authentication string from the first salt and the second salt, respectively. When the first authentication strings match, the server may update the user device's authentication string by replacing it with the second authentication string.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

84.

AUTO-RECOVERY FOR SOFTWARE SYSTEMS

      
Numéro d'application US2020060896
Numéro de publication 2021/101894
Statut Délivré - en vigueur
Date de dépôt 2020-11-17
Date de publication 2021-05-27
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Gudka, Bhavik
  • Patel, Milind
  • Avirneni, Surya
  • Mistry, Umang

Abrégé

Disclosed are hardware and techniques for building runbooks for new computer-implemented processes by correlating break events from the new processes with break events extant in existing runbooks for existing computer-implemented processes. In addition, fix events associated with the correlated break events are evaluated to determine the likelihood that they will be able to fix the error condition which caused the break event from the new process. The fix events are presented to a human operator who may select and test each fix event to determine if the error condition is directed and, if so, the correlated break event associated with the fix event are merged together and added to a new runbook for the new computer-implement process.

Classes IPC  ?

  • G06F 11/07 - Réaction à l'apparition d'un défaut, p.ex. tolérance de certains défauts
  • G06F 11/34 - Enregistrement ou évaluation statistique de l'activité du calculateur, p.ex. des interruptions ou des opérations d'entrée–sortie

85.

METHODS AND SYSTEMS FOR DELIVERING A DOCUMENT

      
Numéro d'application US2020059608
Numéro de publication 2021/096787
Statut Délivré - en vigueur
Date de dépôt 2020-11-09
Date de publication 2021-05-20
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Mossoba, Michael
  • Benkreira, Abdelkader
  • Edwards, Joshua

Abrégé

A computer-implemented method for delivering a document to a user may include obtaining, via an automated teller machine (ATM), first identification data of the user, wherein the first identification data of the user includes a card number and a password associated with the card number; determining a notification status of the user based on the first identification data; obtaining, via the ATM, second identification data based on the notification status of the user; determining a delivery status of the user based on the first identification data and the second identification data; and delivering the document to the user based on the delivery status of the user via the ATM.

Classes IPC  ?

  • G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre service, des distributeurs automatiques, des bornes ou des terminaux multimédia
  • 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
  • G06Q 10/00 - Administration; Gestion
  • G06Q 50/18 - Services juridiques; Traitement de documents juridiques

86.

SECURING USER-ENTERED TEXT IN-TRANSIT

      
Numéro d'application US2020060334
Numéro de publication 2021/097154
Statut Délivré - en vigueur
Date de dépôt 2020-11-13
Date de publication 2021-05-20
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Goodsitt, Jeremy
  • Walters, Austin
  • Rafferty, Galen

Abrégé

Systems and methods described herein discuss securing user-entered data in-transit between a first device and a second device. A user may enter text in a document. A first device may analyze the document to identify the user-entered text. The user-entered text may be separated from the document and transformed into an image using a machine learning algorithm. Transforming the text into an image may secure the data in-transit from the first device to a second device. The second device may receive the image and the document from the first device. The second device may reconstruct the user-entered text from the received image and re-assemble the document from the received document and the reconstructed user-entered text.

Classes IPC  ?

  • G06K 9/00 - Méthodes ou dispositions pour la lecture ou la reconnaissance de caractères imprimés ou écrits ou pour la reconnaissance de formes, p.ex. d'empreintes digitales

87.

IR DISPLAY FOR USER AUTHENTICATION

      
Numéro d'application US2020060352
Numéro de publication 2021/097167
Statut Délivré - en vigueur
Date de dépôt 2020-11-13
Date de publication 2021-05-20
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Pharr, Jeff
  • Wurmfeld, David

Abrégé

A device for conducting a transaction by generating and displaying QR codes in the infrared spectrum, by generating a first QR code; displaying the first QR code via the infrared array for a predetermined duration of time; receiving a confirmation that a user device has entered paired state with the automated teller machine based on the user device scanning the first QR code; receiving authentication data indicating that the paired user device is authorized to complete the transaction; completing the transaction.

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
  • G06K 7/14 - Méthodes ou dispositions pour la lecture de supports d'enregistrement par radiation corpusculaire utilisant la lumière sans sélection des longueurs d'onde, p.ex. lecture de la lumière blanche réfléchie
  • 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
  • G06K 17/00 - Méthodes ou dispositions pour faire travailler en coopération des équipements couverts par plusieurs des groupes principaux , p.ex. fichiers automatiques de cartes incluant les opérations de transport et de lecture

88.

SYSTEMS AND METHODS FOR CROSS COUPLING RISK ANALYTICS AND ONE-TIME-PASSCODES

      
Numéro d'application US2020057668
Numéro de publication 2021/091739
Statut Délivré - en vigueur
Date de dépôt 2020-10-28
Date de publication 2021-05-14
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Duane, William
  • Osborn, Kevin

Abrégé

Example embodiments provide systems and methods for validating an action using a physical token, such as a near-field-communications (NFC)-capable chip. A server may receive a request to perform the action, and may require validation from the holder of the physical token. The holder of the physical token may log into an application using their login credentials, providing a first tier of authentication. The holder may then scan the physical token with a reader on their mobile device, which provides a second tier of authentication. The scan may reveal a value for a counter on the physical token, which may be compared to a counter at the server in order to validate that the physical token has been used as expected. If the server deems it appropriate, a third (or further) tier may be required, such as scanning a photographic identification of the holder.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • 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
  • H04W 12/06 - Authentification

89.

RECIPIENT-SIDE DYNAMIC CUSTOMIZATION OF AN EMAIL INTENDED FOR THE RECIPIENT OR PRE-DISPATCH DYNAMIC CUSTOMIZATION OF EMAIL INSTANCES OF AN EMAIL

      
Numéro d'application US2020057372
Numéro de publication 2021/081505
Statut Délivré - en vigueur
Date de dépôt 2020-10-26
Date de publication 2021-04-29
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Jayaraman, Kamalesh

Abrégé

In certain embodiments, responsive to an action to open an email, a client device may obtain user data associated with a user and may determine a subset of components of the plurality of components of the email to be displayed in a customized email based on the user data. The subset of components may be displayed in the customized email via a user interface without displaying one or more other components of the plurality of components in the customized email. In certain embodiments, a subset of a plurality of components of an email to be included in a customized email may be determined based on email activity data associated with a user such that the customized email includes the subset of components and excludes one or more other components of the plurality of components. The email activity data may include data associated with the user's previous activity with emails.

Classes IPC  ?

  • G06F 9/451 - Dispositions d’exécution pour interfaces utilisateur
  • G06F 9/54 - Communication interprogramme
  • G06F 16/2455 - Exécution des requêtes
  • H04L 12/58 - Systèmes de commutation de messages
  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison

90.

NFC ENABLED CARD FOR CONSUMER ACCESSIBILITY

      
Numéro d'application US2020054721
Numéro de publication 2021/076391
Statut Délivré - en vigueur
Date de dépôt 2020-10-08
Date de publication 2021-04-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Rule, Jeffrey
  • Osborn, Kevin

Abrégé

A contactless card useful for adjusting the operation, configuration, and/or performance of a secondary device is described. The contactless card is equipped with a communication interface which allows the contactless card to transmit information to the secondary device using NFC signals. The contactless card stores accommodation information related to a physical accommodation desired by the user and transmits that information in the form of an accommodation message to the secondary device after being placed in a NFC field generated by the secondary device. In some embodiments, the contactless card requests an authentication certificate in order to determine a degree of trust prior to sending an accommodation message. In some embodiments, the contactless card may adjust what accommodation information is included in the accommodation message based on the authentication certificate received from the secondary device.

Classes IPC  ?

  • G06F 21/33 - Authentification de l’utilisateur par certificats
  • 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 3/0484 - Techniques d’interaction fondées sur les interfaces utilisateur graphiques [GUI] pour la commande de fonctions ou d’opérations spécifiques, p.ex. sélection ou manipulation d’un objet ou d’une image, détermination d’une valeur de paramètre ou sélection d’une plage de valeurs
  • G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
  • 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.

SYSTEM, METHOD, AND COMPUTER-ACCESSIBLE MEDIUM FOR BLOCKING MALICIOUS EMV TRANSACTIONS

      
Numéro d'application US2020054829
Numéro de publication 2021/076404
Statut Délivré - en vigueur
Date de dépôt 2020-10-08
Date de publication 2021-04-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Lutz, Wayne
  • Rule, Jeffrey

Abrégé

An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

Classes IPC  ?

  • G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
  • 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

92.

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

      
Numéro d'application US2020055363
Numéro de publication 2021/076488
Statut Délivré - en vigueur
Date de dépôt 2020-10-13
Date de publication 2021-04-22
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Wieker, Jeffrey Carlyle
  • Zearfoss, Patrick
  • Johnson, Clayton

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. Data access control may be provided in the context of creating and accessing a secure memory block in a client device, including handling requests to obtain create and access a secure memory block via the interaction of a short-range transceiver, such as a contactless card, with a client device such that, once the secure memory block is created in memory of the client device, personal user data may be stored in the secure memory block, and access to the stored personal user data may only be provided to users authorized to review the data.

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
  • 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
  • G06F 21/78 - Protection de composants spécifiques internes ou périphériques, où la protection d'un composant mène à la protection de tout le calculateur pour assurer la sécurité du stockage de données
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04W 12/02 - Protection de la confidentialité ou de l'anonymat
  • H04W 12/0431 - Distribution ou pré-distribution de clés; Mise en accord de clés
  • 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]
  • G06F 3/06 - Entrée numérique à partir de, ou sortie numérique vers des supports d'enregistrement
  • 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
  • H04L 9/08 - Répartition de clés

93.

SCALABLE SUBSCRIPTIONS FOR VIRTUAL SOFTWARE DEVELOPMENT COLLABORATIVE WORKSPACES

      
Numéro d'application US2020054519
Numéro de publication 2021/071904
Statut Délivré - en vigueur
Date de dépôt 2020-10-07
Date de publication 2021-04-15
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Barnum, Eric K.
  • Gudka, Bhavik

Abrégé

Systems, methods, articles of manufacture, and computer program products for scalable subscriptions for virtual collaborative workspaces. An indication of a process event associated with a computer-implemented process may be received. A population of subscribers subscribed to at least one property of one of the process event or the computer-implemented process may be determined. A virtual collaborative workspace for the process event may be generated, the virtual collaborative workspace operative to present context information associated with the process event to a plurality of subscribers. A message may be sent to the population of subscribers indicating the process event, the message comprising a link to access the virtual collaborative workspace. The virtual collaborative workspace may be generated for display responsive to selection of the link by the at least one of the population of subscribers.

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
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison

94.

CLIENT DEVICE AUTHENTICATION USING CONTACTLESS LEGACY MAGNETIC STRIPE DATA

      
Numéro d'application US2019054312
Numéro de publication 2021/066823
Statut Délivré - en vigueur
Date de dépôt 2019-10-02
Date de publication 2021-04-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Lerner, Evan
  • Mossler, Lara

Abrégé

A technique for generating a diversified encryption key for a contactless legacy magnetic stripe card is disclosed. The diversified key can be generated using a master key, a key diversification value and an encryption algorithm. In one example embodiment, the key diversification value can be provided by the user as a fingerprint, numeric code or photo. The user can provide the key diversification value to the card or a cellphone. The card can generate the diversified key using the user provided key diversification value. The card or the cellphone can transmit the user provided diversification value to the server and the server can regenerate the diversified key using the user provided diversification value.

Classes IPC  ?

  • G07F 7/12 - Vérification des cartes
  • 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
  • G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

95.

COMPUTER-BASED SYSTEMS CONFIGURED FOR DETECTING AND SANDBOXING EXTERNAL RESOURCES AND METHODS OF USE THEREOF

      
Numéro d'application US2020053677
Numéro de publication 2021/067530
Statut Délivré - en vigueur
Date de dépôt 2020-10-01
Date de publication 2021-04-08
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Pham, Vincent
  • Boayue, Joseph
  • Adcock, Lee
  • Shyamala, Geeta
  • Cruz, Ana
  • Camenares, Christopher
  • Ghalaty, Nahid, Farhady

Abrégé

To facilitate improved email and device security, embodiments of systems and methods include intercepting, by a processor associated with an entity, an internet request, where the internet request is produced by a link received in an email at a first computing device. The processor determines that the link is externally bound relative to an entity network. The processor determines an existence of a sandbox environment instance in a set of existing sandbox environment instances. The processor routes the link through the sandbox environment instance. The processor updates the sandbox log in the database based on the sandbox environment instance and the link. The processor causes to display on a screen of the first computing device a user interface for interacting with the link in the sandbox environment instance, and the processor logs activities associated with interacting with the link in a security log.

Classes IPC  ?

  • G06F 21/53 - Contrôle des usagers, programmes ou dispositifs de préservation de l’intégrité des plates-formes, p.ex. des processeurs, des micrologiciels ou des systèmes d’exploitation au stade de l’exécution du programme, p.ex. intégrité de la pile, débordement de tampon ou prévention d'effacement involontaire de données par exécution dans un environnement restreint, p.ex. "boîte à sable" ou machine virtuelle sécurisée
  • 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
  • H04W 12/08 - Sécurité d'accès
  • H04L 12/24 - Dispositions pour la maintenance ou la gestion
  • G06F 21/60 - Protection de données

96.

METHOD FOR CONVERSION AND CLASSIFICATION OF DATA BASED ON CONTEXT

      
Numéro d'application US2020049821
Numéro de publication 2021/055190
Statut Délivré - en vigueur
Date de dépôt 2020-09-09
Date de publication 2021-03-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Pham, Vincent
  • Abad, Fardin Abdi Taghi
  • Farivar, Reza
  • Key, Kate
  • Truong, Anh
  • Goodsitt, Jeremy
  • Walters, Austin

Abrégé

When a new communication is received at a server, the system can generate machine readable data pertaining to the communication, e.g., a transcript for the communication. Using the transcript, the system can utilize natural language processing techniques to find at least one request in the communication. The system can search summaries of prior communications, and if there is a communication including a similar request, the system can display a record of the prior communication.

Classes IPC  ?

  • G06F 16/332 - Formulation de requêtes
  • G06F 16/683 - Recherche de données caractérisée par l’utilisation de métadonnées, p.ex. de métadonnées ne provenant pas du contenu ou de métadonnées générées manuellement utilisant des métadonnées provenant automatiquement du contenu
  • G06F 16/35 - Groupement; Classement

97.

SYSTEM AND METHOD FOR APPLICATION TAMPER DISCOVERY

      
Numéro d'application US2020051454
Numéro de publication 2021/055722
Statut Délivré - en vigueur
Date de dépôt 2020-09-18
Date de publication 2021-03-25
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Whitmore, Jon
  • Nieman, Kevin

Abrégé

A system and method for early detection of a compromised client device includes a tamper detection service configured to monitor modifications to resource access privileges over time to identify unusual variations in jailbreak status that indicate compromise of the client device. For example, the tamper detection service may monitor the jailbreak status of system files over time to expose attempts to hide the jailbreak status of a protected resource. To validate that malware is attempting to hide the jailbreak status of a protected resources, the tamper detection process may launch multiple different resource accesses, targeting the protected resource, to determine whether different accessibility results are returned, indicating a compromised device.

Classes IPC  ?

  • G06F 21/55 - Détection d’intrusion locale ou mise en œuvre de contre-mesures
  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04W 12/12 - Détection de fraude
  • G06F 21/56 - Détection ou traitement de programmes malveillants, p.ex. dispositions anti-virus

98.

COMPUTER-BASED SYSTEMS CONFIGURED FOR MANAGING AUTHENTICATION CHALLENGE QUESTIONS IN A DATABASE AND METHODS OF USE THEREOF

      
Numéro d'application US2020049733
Numéro de publication 2021/050433
Statut Délivré - en vigueur
Date de dépôt 2020-09-08
Date de publication 2021-03-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Semichev, Sergey E.
  • Liang, Lele

Abrégé

A method executed by a processor may include storing account activity data in a database which identifies prior account activities performed by customers in their respective accounts associated with a financial institution. The database may be accessible only by computing systems of the financial institution. A set of challenge questions may be received for authenticating customers to perform high-risk activities in their respective accounts that are based on prior account activities. A machine learning model may be used to determine an authentication score used for ranking each challenge question in the set of challenge questions. An electronic request may be received from an unverified customer who desires to perform high-risk activities in an account. Challenge questions may be selected based on the ranking. The unverified customer may be verified when correctly answering the selected challenge questions. The verified customer may be allowed to perform high-risk activities in the account.

Classes IPC  ?

  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • 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
  • G06N 20/00 - Apprentissage automatique

99.

LOCATION IDENTIFICATION IN MULTI-FACTOR AUTHENTICATION

      
Numéro d'application US2020042846
Numéro de publication 2021/050164
Statut Délivré - en vigueur
Date de dépôt 2020-07-21
Date de publication 2021-03-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s)
  • Cuan, Lukiih
  • Loucks, Eric
  • Edwards, Joshua

Abrégé

Disclosed herein are system, method, and device embodiments for implementing location identification in multi-factor authentication (MFA). In an example embodiment, a user service may present a geographic map based on a MFA process, and receive an authentication attempt including a geographic indicator and interaction information. Further, the system may determine whether the authentication attempt was made by a human based at least in part on the interaction information, determine whether the geographic indicator matches an expected response, and send, to an electronic device, an authentication result indicating whether geographic information was determined to be selected by a human and the geographic indicator was determined to match the expected response.

Classes IPC  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • 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 12/06 - 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

100.

CALLER AND RECIPIENT ALTERNATE CHANNEL IDENTITY CONFIRMATION

      
Numéro d'application US2020050694
Numéro de publication 2021/051069
Statut Délivré - en vigueur
Date de dépôt 2020-09-14
Date de publication 2021-03-18
Propriétaire CAPITAL ONE SERVICES, LLC (USA)
Inventeur(s) Gadwale, Adithya

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  ?

  • H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
  • H04W 12/06 - Authentification
  • G06F 21/32 - Authentification de l’utilisateur par données biométriques, p.ex. empreintes digitales, balayages de l’iris ou empreintes vocales
  • G06F 21/34 - Authentification de l’utilisateur impliquant l’utilisation de dispositifs externes supplémentaires, p.ex. clés électroniques ou cartes à puce intelligentes
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