Patents by Inventor Jeremy Rephlo
Jeremy Rephlo has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 10643206Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.Type: GrantFiled: April 9, 2018Date of Patent: May 5, 2020Assignee: Capital One Services, LLCInventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
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Patent number: 10593138Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: GrantFiled: July 30, 2019Date of Patent: March 17, 2020Assignee: Capital One Services, LLCInventor: Jeremy Rephlo
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Patent number: 10580027Abstract: A method of providing rewards-based payment method selection includes storing a plurality of payment account numbers in association with a tokenized financial account number. The method includes receiving user rewards preferences and a primary transaction authorization request. The method also includes generating a plurality of provisional transaction authorization requests and transmitting the provisional transaction authorization requests to one or more payment authorization servers. The method further includes receiving a plurality of provisional transaction authorizations and selecting a preferred payment account number based on the user rewards preferences. The method also includes transmitting a transaction authorization message to the merchant POS terminal to authorize the attempted transaction based on a provisional transaction authorization.Type: GrantFiled: November 7, 2018Date of Patent: March 3, 2020Assignee: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo
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Patent number: 10558989Abstract: An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service.Type: GrantFiled: November 16, 2018Date of Patent: February 11, 2020Assignee: Capital One Services, LLCInventors: Jeremy Phillips, Zhe Liu, Jeremy Rephlo, Daniel Filler
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Publication number: 20190385391Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: ApplicationFiled: July 30, 2019Publication date: December 19, 2019Inventor: Jeremy REPHLO
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Patent number: 10403062Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: GrantFiled: January 15, 2019Date of Patent: September 3, 2019Assignee: Capital One Services, LLCInventor: Jeremy Rephlo
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Publication number: 20190188743Abstract: An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service.Type: ApplicationFiled: November 16, 2018Publication date: June 20, 2019Inventors: Jeremy PHILLIPS, Zhe LIU, Jeremy REPHLO, Daniel FILLER
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Publication number: 20190164230Abstract: A system and method in accordance with example embodiments may include automated receipt and bill collection, aggregation, and processing. Additionally, a system and method in accordance with example embodiments may a customer opt-in, scan one or more electronic messages including receipts and bills, retrieve transaction information from one or more electronic messages, associate retrieved transaction data with existing database data, and utilize the associated data to provide contextual information to a user.Type: ApplicationFiled: February 1, 2019Publication date: May 30, 2019Inventor: Jeremy REPHLO
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Patent number: 10296906Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.Type: GrantFiled: January 5, 2018Date of Patent: May 21, 2019Assignee: Capital One Financial CorporationInventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
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Publication number: 20190147506Abstract: An example device may include one or more processors to receive information associated with one or more service resources that provide a service at a service location, at least one of the one or more service resources including a machine that is capable of automatically providing the service; monitor availability of the one or more service resources at the service location based on the information; provide status information, associated with the availability of the one or more service resources, to a user device to enable the user device to present the status information on a display, the status information indicating an availability for the user to receive the service at the service location based on a usage of the one or more service resources at the service location; receive a request for the service from the user device, the user device being associated with a user account registered with an entity that operates the service location; allocate a service resource of the one or more service resources at theType: ApplicationFiled: November 13, 2017Publication date: May 16, 2019Inventors: Jeremy Phillips, Zhe Liu, Jeremy Rephlo
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Publication number: 20190147673Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: ApplicationFiled: January 15, 2019Publication date: May 16, 2019Applicant: CAPITAL ONE SERVICES, LLCInventor: Jeremy REPHLO
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Patent number: 10217302Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: GrantFiled: October 1, 2018Date of Patent: February 26, 2019Assignee: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo
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Patent number: 10210578Abstract: A system and method in accordance with example embodiments may include automated receipt and bill collection, aggregation, and processing. Additionally, a system and method in accordance with example embodiments may a customer opt-in, scan one or more electronic messages including receipts and bills, retrieve transaction information from one or more electronic messages, associate retrieved transaction data with existing database data, and utilize the associated data to provide contextual information to a user.Type: GrantFiled: February 27, 2014Date of Patent: February 19, 2019Assignee: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo
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Publication number: 20190035182Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: ApplicationFiled: October 1, 2018Publication date: January 31, 2019Inventor: Jeremy REPHLO
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Patent number: 10191987Abstract: Systems and methods are provided for searching financial data. For example, a device for searching transaction information is disclosed. The device may include interface hardware for receiving and providing information and a memory device for storing instructions. The device may also include one or more hardware processors configured to execute the instructions to receive a user request for information associated with one or more transactions in the form of a search query, transmit the search query to a transaction search engine for identification of one or more concepts from the search query, and receive, from the transaction search engine, responsive transaction data determined based on the one or more concepts identified from the search query. The one or more hardware processors may be further configured to determine a result that satisfies the user request based on the responsive transaction data, and provide the result via the interface hardware.Type: GrantFiled: November 20, 2014Date of Patent: January 29, 2019Assignee: Capital One Services, LLCInventors: Colin Hart, Mohamed Lafeer, Sarah Calandro, Jeremy Rephlo, Scott Totman
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Patent number: 10157396Abstract: An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service.Type: GrantFiled: December 19, 2017Date of Patent: December 18, 2018Assignee: Capital One Services, LLCInventors: Jeremy Phillips, Zhe Liu, Jeremy Rephlo, Daniel Filler
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Publication number: 20180322717Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: ApplicationFiled: July 13, 2018Publication date: November 8, 2018Inventor: JEREMY REPHLO
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Patent number: 10121296Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: GrantFiled: July 13, 2018Date of Patent: November 6, 2018Assignee: Capital One Services, LLCInventor: Jeremy Rephlo
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Patent number: 10115166Abstract: A system and a method for account transaction balance prediction for an account held with a financial institution based on past and present account activity. An account balance prediction processor determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data. The system calculates a predicted account balance based on the total predicted financial transactions and the predicted income. A transaction monitor receives actual financial transaction data and actual income data, and compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data. An alert transmitter transmits in real time, an alert. A machine learning processor continuously adjusts calculations of financial transactions and income.Type: GrantFiled: January 21, 2015Date of Patent: October 30, 2018Assignee: Capital One Services, LLCInventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Patent number: 10055915Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: GrantFiled: February 23, 2018Date of Patent: August 21, 2018Assignee: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo