Patents Assigned to Capital One Financial Corporation
  • Patent number: 10262363
    Abstract: The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document. The method may also include identifying a document type for the responsive loan application document and confirming that the responsive loan application document is a valid document. Finally, the method may also include sending loan application status information to the customer device based on the confirmation.
    Type: Grant
    Filed: November 13, 2017
    Date of Patent: April 16, 2019
    Assignee: Capital One Financial Corporation
    Inventors: Mitchell H. Ruebush, Stephen Payne
  • Publication number: 20190096197
    Abstract: The disclosed embodiments include methods and systems for detecting ATM skimmers based upon radio frequency (RF) signal. In one aspect, the disclosed embodiments include a system for detecting ATM skimmers including a memory storing instructions and one or more processors that execute the instructions to perform one or more operations for detecting ATM skimmers. The operations may include, for example, receiving radio frequency (RF) signal data corresponding to one or more RF signals detected by an antenna located within communication range of the ATM. The operations may also include determining one or more unidentified RF signals of the detected ATM RF signals that differ from one or more baseline RF signals.
    Type: Application
    Filed: November 21, 2018
    Publication date: March 28, 2019
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventor: WILLIAM A. HODGES
  • Publication number: 20190087895
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: November 19, 2018
    Publication date: March 21, 2019
    Applicant: Capital One Financial Corporation
    Inventors: Krishnan SWAMY, Nikhil Murgai
  • Publication number: 20190087850
    Abstract: A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.
    Type: Application
    Filed: November 20, 2018
    Publication date: March 21, 2019
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventor: Daniel LOOMIS
  • Publication number: 20190043099
    Abstract: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.
    Type: Application
    Filed: October 8, 2018
    Publication date: February 7, 2019
    Applicant: Capital One Financial Corporation
    Inventors: Jonathan Turner, Arthur Koeppel
  • Publication number: 20190005541
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Application
    Filed: September 6, 2018
    Publication date: January 3, 2019
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. POOLE, David E. KEATING, Drew JACOBS, Janusz M. NICZYPORUK, Luke A. HAMMOCK
  • Patent number: 10163081
    Abstract: A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days.
    Type: Grant
    Filed: May 19, 2014
    Date of Patent: December 25, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Charles A. Rosenblatt, Tyler C. Hobbs, Frank L. Rotman
  • Patent number: 10147100
    Abstract: Systems and methods for a point of sale reward system are provided. The system notifies users proximate to a point of sale location of rewards available for redemption specific to that user at that specific point of sale location.
    Type: Grant
    Filed: July 28, 2017
    Date of Patent: December 4, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Lianghan Chen, Kevin Correll, Leon Telyaz, Nicole E. Pivnick
  • Patent number: 10134088
    Abstract: Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer.
    Type: Grant
    Filed: September 30, 2013
    Date of Patent: November 20, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Luke A. Hammock, Janusz Michael Niczyporuk
  • Patent number: 10127584
    Abstract: A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer.
    Type: Grant
    Filed: January 8, 2018
    Date of Patent: November 13, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Jonathan Turner, Arthur Koeppel
  • Patent number: 10095676
    Abstract: A system including a database that stores a web-based form that includes an interface mechanism allowing an applicant to select a third party to provide data to populate a plurality of fields of the form, a communication interface that transmits the form to a device and receives an input indicative of an application selection for the party, and an application server, that, in conjunction with the communication interface, in response to the received input, transmits a third-party application programming interface (API) call to the party; transmits data of an authentication request associated with the party; receives a security token in response to a validated authentication request, the token enabling communication between the server and party via the API; requests and receives a set of data from the selected third party via the API, the requested set of data including data for populating a specific data field of the form.
    Type: Grant
    Filed: February 2, 2017
    Date of Patent: October 9, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Christopher Wetzel, Dwij Trivedi, Robert Colenso
  • Patent number: 10096042
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Grant
    Filed: May 27, 2014
    Date of Patent: October 9, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Thomas S. Poole, David E. Keating, Drew Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
  • Patent number: 10068288
    Abstract: Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate.
    Type: Grant
    Filed: December 17, 2013
    Date of Patent: September 4, 2018
    Assignee: Capital One Financial Corporation
    Inventors: Gagan Kanjlia, Scott Zimmer, Robert J. Larson, Alexander S. Wilson, Vishal Puri, Jay Pober
  • Patent number: 10043175
    Abstract: A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
    Type: Grant
    Filed: December 11, 2015
    Date of Patent: August 7, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. Poole, Paul Young Moreton, Hutch Douglas, Anthony Swider, III, Thomas Christopher Clarke
  • Patent number: 10044412
    Abstract: A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
    Type: Grant
    Filed: October 11, 2016
    Date of Patent: August 7, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Thomas S. Poole, Paul Young Moreton
  • Patent number: 10037534
    Abstract: A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to the location of a merchant where a transaction using a card account may be initiated, receiving a user interface selection representing a request to authorize or restrict card account transactions, receiving authorization requests for desired transactions, and authorizing or restricting the transactions in accordance with the request.
    Type: Grant
    Filed: November 18, 2016
    Date of Patent: July 31, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventor: Michele Matthews
  • Patent number: 10019725
    Abstract: A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location.
    Type: Grant
    Filed: September 13, 2017
    Date of Patent: July 10, 2018
    Assignee: Capital One Financial Corporation
    Inventor: Daniel Loomis
  • Patent number: 10007905
    Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.
    Type: Grant
    Filed: September 21, 2017
    Date of Patent: June 26, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
  • Publication number: 20180174120
    Abstract: Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions.
    Type: Application
    Filed: February 15, 2018
    Publication date: June 21, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Adam R. Koeppel, Alexander Leo Niderberg
  • Publication number: 20180174134
    Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.
    Type: Application
    Filed: February 15, 2018
    Publication date: June 21, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Reilly Carpenter, Joanna Chen, Sarah Calandro