Patents Assigned to Capital One
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Patent number: 12368798Abstract: Methods and systems are described herein for manipulating a communication acceptance screen, manipulating an interactive communication acceptance icon, and restricting access to accounts based on voice communication parameters. In particular, when a communication is detected from one device to another device, that communication may be risky. Thus, the risk is mitigated by giving a user information about the source of the communication to give a user a chance to reject the communication. In addition, in instances where the user accepts the communication, the system enables monitoring the communication and restricting any accounts that are disclosed within the communication.Type: GrantFiled: November 22, 2023Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Asher Smith-Rose, Tyler Maiman, Lin Ni Lisa Cheng, Salik Shah
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Patent number: 12367224Abstract: In some implementations, a data management system may obtain, via a data interlocutor, a set of data intended for inclusion in a database, wherein the set of data is associated with at least one data type, wherein the set of data comprises at least one data value. The data management system may generate, via the data interlocutor, a set of data entities based on the set of data and a set of security metadata associated with the set of data, wherein the set of data entities comprises a data entity associated with a data value of the at least one data value, the data entity comprising transaction authorization information associated with the data value. The data management system may output, via the data interlocutor, the set of data entities for inclusion in the database.Type: GrantFiled: December 13, 2023Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Ravi K. Ivaturi, Ebrima N. Ceesay
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Patent number: 12368593Abstract: Disclosed herein are system, method, and computer program product embodiments for signing a document by generating a hash value using a smart card. The smart card can receive from a computing device a first hash value generated for the document based on a first hash function, determine a private key based on a private key information stored on the smart card, sign the first hash value by generating a second hash value based on the first hash value using a second hash function and the private key. The second hash value is to authenticate that the second hash value is generated by the smart card based on the first hash value and the private key. The smart card can further assemble a signature package including the second hash value, and transmit the signature package to the computing device.Type: GrantFiled: March 3, 2022Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Kevin Osborn, Srinivasa Chigurupati
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Patent number: 12367202Abstract: 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.Type: GrantFiled: March 15, 2024Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Aman Jain, Tanveer Afzal Faruquie, Christopher J. Johnson, Jihan Wei
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Patent number: 12368639Abstract: In some implementations, a scheduling system may receive a scheduling tag to define a custom schedule that includes one or more downtime windows for a cloud resource over a scheduling period. The scheduling system may determine a regular continuous schedule for the cloud resource that recurs over multiple scheduling periods based on the one or more downtime windows defined in the scheduling tag. The scheduling system may determine at a current scan time, whether a target state for the cloud resource is a running state or a suspended state based on the one or more uptime windows and the one or more downtime windows included in the regular continuous schedule. The scheduling system may align a current state of the cloud resource with the target state.Type: GrantFiled: June 11, 2024Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Clayton Mottley, Loreeg Tramblian, Cameron Mayes, Amy Ann Maxwell, Kevin Ho, Torrance Graham, Robert Wright
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Patent number: 12367430Abstract: In some implementations, a device may receive a request associated with a data record, the request including a first set of input for a first machine learning model, and the first set of input defining a first set of values associated with a first set of parameters that correspond to the data record. The device may obtain, from a data storage device, a second set of values associated with a second set of parameters that correspond to the data record. The device may determine, using the first machine learning model, a score for the data record based on the first set of input and the second set of values, wherein the first machine learning model is trained to receive the first set of input and the second set of values and produce, as output, the score.Type: GrantFiled: August 13, 2021Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Jeffrey Wolfe, Sushant Likhate, Jonathan Lipkin, Megan Edds
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Patent number: 12368590Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of determining an identity of at least one user of a plurality of users based on a multi-factor authentication; utilizing an identity tokenizer to generate at least one temporary identity token associated with the identity of the user; transmitting the at least one temporary identity token to an external computing device for authentication; receiving an authenticated digital token from the external computing device; automatically utilizing the authenticated digital token to retrieve a plurality of data items of an account information; utilizing a security module to link the authenticated digital token and the plurality of data items; generating a unique-universal identifier associated with the security module and the authenticated digital token; and utilizing the unique-universal identifier and the security module associated with the authenticated digital token.Type: GrantFiled: August 18, 2023Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Kevin Osborn, Jeffrey Rule
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Patent number: 12368630Abstract: Provided herein are system, apparatus, device, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof for identifying a network issue in a cloud computing environment. In some embodiments, an analytics engine receives a stream of data packets being transmitted from an application to a cloud computing resource. The analytics engine inspects each data packet the stream of data packets and identifies a failure of transmission of a data packet of the stream of data packets. The analytics engine maps an occurrence of the failure of the transmission of the data packet on a graph of a cloud computing environment. The analytics engine identifies a network issue for an element associated with the cloud computing resource, inside the cloud computing environment, based on the mapping and independent of visibility of the stream of data packets inside the cloud computing environment.Type: GrantFiled: November 23, 2020Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventor: Christopher B. Hull
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Publication number: 20250232366Abstract: Methods, techniques, and embodiments are generally directed to systems for receiving a request from an authenticated computing application to associate a contactless card with an account. The systems then authenticate that the request came from an account holder. After establishing the authenticity of the account holder, the systems determine a unique identifier for the account holder associated with the account. Finally, the systems send a second request to the authenticated computing application to write this unique identifier onto the contactless card.Type: ApplicationFiled: January 16, 2024Publication date: July 17, 2025Applicant: Capital One Services, LLCInventors: Jeffrey Rule, Lawrence Douglas, Jackson Macomber
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Publication number: 20250232353Abstract: Systems and methods for generating synthetic data are disclosed. A system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions. The instructions may instruct the system to categorize consumer data based on a set of characteristics. The instructions may also instruct the system to receive a first request to generate a first synthetic dataset. The first request may specify a first requirement for at least one of the characteristics. The instructions may further instruct the system to retrieve, from the consumer data, a first subset of the consumer data satisfying the first requirement. The instructions may also instruct the system to provide the first subset of consumer data as input to a data model to generate the first synthetic dataset, and to provide the first synthetic dataset as training data to a machine-learning system.Type: ApplicationFiled: December 26, 2024Publication date: July 17, 2025Applicant: Capital One Services, LLCInventors: Anh TRUONG, Jeremy GOODSITT, Austin WALTERS
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Patent number: 12363109Abstract: 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.Type: GrantFiled: December 22, 2023Date of Patent: July 15, 2025Assignee: Capital One Services, LLC.Inventor: Adithya Gadwale
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Patent number: 12361156Abstract: Methods, systems, and apparatuses for providing access to records of a database stored on a database server in a cloud database platform are described herein. A data sharing platform may determine a shared view definition for access to the database. The data sharing platform may determine rules that specify criteria that limit access to the records stored by the database. The one or more first rules may be received via a user interface. The data sharing platform may perform, based on the rules, a data access certification process on the records stored by the database to generate a table of certification results. The data sharing platform may generate, based on the table of certification results, and without modifying the records stored by the database, a limited consumer view definition. Based on updates to the records, a new limited consumer view definition may be generated.Type: GrantFiled: March 20, 2024Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventors: Nagender Gurram, Yudhish Batra, Syed Shamaz Salim, Praveen Kandukuri
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Patent number: 12361155Abstract: Methods and systems for controlling users' access to data available on blockchains are described herein, comprising: determining a first right for a first user to first data; determining a location in a permissioned blockchain comprising the first data, the location being a first fork of the permissioned blockchain; determining a first privilege required to access the first fork; determining that the first user corresponds to a first cryptographic address; and assigning the first privilege to the first cryptographic address.Type: GrantFiled: October 14, 2022Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventor: Mihir Vora
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Patent number: 12361468Abstract: Disclosed embodiments may include systems and methods for providing modified order recommendations. Line item data from a set of transactions associated with a vendor can be collected. The line item includes transactional data such as price, quantity, and frequency. The set of transactions are associated with a plurality of customers of the vendor. Correlations between line item data can be determined via one or more machine learning techniques to train a recommendation model. An order recommendation to a customer can be determine based on the correlations of the recommendation model. An order of the customer can be modified according to the order recommendation.Type: GrantFiled: April 6, 2022Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventors: Joshua Edwards, Alexander Mireles, Evans Yeung, Marcelo Salvador Jabif Epsztejn, Glenn Bewley, Lin Ni Lisa Cheng
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Patent number: 12363090Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through the exclusion of certain merchants that may cause confusion. Indications of a plurality of different merchants, including merchant logos may be received. The indications may be processed to identify at least one similarity between a first merchant and a second merchant. A request for access to an account associated with a user and transaction data corresponding to the account may be received. Based on the similarity between the first merchant and the second merchant, at least one transaction corresponding to the first merchant may be removed to generate processed transaction record. An authentication question may be generated and a candidate response to the authentication question may be received. Based on the candidate response, access to the account may be provided.Type: GrantFiled: May 17, 2024Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventors: Tyler Maiman, Viraj Chaudhary, Joshua Edwards, Jenny Melendez, Samuel Rapowitz, Daniel Miller, David Septimus
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Patent number: 12361678Abstract: Methods and systems described herein relate to authenticating users-based on generating images that have modified features. More specifically, the methods and systems generate these images by processing existing training data to identify a common feature in existing photos that may be modified, and then modifying that feature with the use of generative adversarial networks.Type: GrantFiled: August 24, 2022Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventors: Jeremy Goodsitt, Galen Rafferty, Grant Eden, Anh Truong, Austin Walters
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Patent number: 12360752Abstract: In some implementations, a device may determine that a computing environment is to be deployed. The computing environment may be associated with an infrastructure configuration. The device may obtain, from a repository, one or more definition files for the infrastructure configuration. The repository may include definition files associated with multiple infrastructure configurations. The device may cause deployment of the computing environment based on the one or more definition files.Type: GrantFiled: May 8, 2024Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventors: John Mahoney, Raymond Hoagland, Kristen Koyanagi
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Patent number: 12361332Abstract: A method for generating a cluster-based machine learning model based on federated learning with cluster feedback includes providing a current machine learning model to a plurality of user devices that train the current machine learning model, receiving respective model states, generating updated model states, causing the plurality of user devices to obtain a respective instance of an updated machine learning model based on the updated model states, receiving an applicability feedback for the updated machine learning model for each of the plurality of user devices, determining a plurality of user clusters including a subset of the plurality of user devices, identifying a first user cluster and a second user cluster, the first user cluster having a higher cluster applicability feedback than the second user cluster, receiving the additional model states from the clusters and updating the updated machine learning model to generate the cluster-based machine learning model.Type: GrantFiled: December 7, 2021Date of Patent: July 15, 2025Assignee: Capital One Services, LLCInventors: Jeremy Goodsitt, Christopher Wallace, Grant Eden, Anh Truong, Austin Walters
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Publication number: 20250225500Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.Type: ApplicationFiled: November 19, 2024Publication date: July 10, 2025Applicant: Capital One Services, LLCInventors: Jason JI, Jeffrey RULE, Colin HART, Wayne LUTZ
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Patent number: D1085107Type: GrantFiled: November 8, 2022Date of Patent: July 22, 2025Assignee: Capital One Services, LLCInventors: Colin Hart, Lea Cody, Ryan Cuppernull, Kaitlin Newman, Lesley Newton