Patents Assigned to Capital One Service, LLC
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Patent number: 10867340Abstract: A computer-implemented method for generating price comparisons in an electronic conversation may include: receiving first data from a mobile device including an identifier of a product; determining an identification of the product; using a machine-learning model, determining a matching product, the machine-learning model being trained to learn associations between products based on (i) product identification numbers, (ii) vectorizations of parameters of products, and (iii) social information data; identifying an offer for a matching product; extracting second data from the offer that includes a price and third data configured to enable access to the offer; determining a lowest price offer from amongst identified offers; generating fourth data that includes (i) information indicative of the lowest price offer, and (ii) fifth data configured to enable access to at least one of the respective third data corresponding to the lowest price offer or the second data; and transmitting the fourth data to the mobile devType: GrantFiled: February 24, 2020Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Adam Gauvin, Adam Zacharski
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Patent number: 10867230Abstract: A transaction card construction and a method for making a transaction card are described. The transaction card construction comprises an inlay component and a housing component. The inlay component may comprise a light-penetrable layer and a backer layer. A light source may be disposed on or in the housing component, and the housing component and the inlay component may be joined such that light emitted by the light source passes through the inlay component.Type: GrantFiled: January 18, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventor: Om J. Suthar
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Patent number: 10867339Abstract: A device may process, after obtaining an image that includes image data concerning a product, first audio data obtained concerning a first utterance of a user of a user device, and first video data obtained concerning a first eye gaze direction of the user, to determine a first reaction of the user to the image. The device may process, after causing display of the image and an overlay superimposed on the image by the user device, second audio data obtained concerning a second utterance of the user, and second video data obtained concerning a second eye gaze direction of the user, to determine a second reaction of the user to the image and the overlay. The device may retrain a product recommendation model using the first reaction and the second reaction, and may generate and cause display of a product recommendation based on the product recommendation model.Type: GrantFiled: October 25, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Qiaochu Tang, Jason Hoover, Micah Price, Geoffrey Dagley, Stephen Wylie
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Patent number: 10867447Abstract: Various embodiments are generally directed to techniques of overlaying a virtual object on a physical object in augmented reality (AR). A computing device may receive one or more images of the physical object, perform analysis on the images (such as image segmentation) to generate a digital outline, and determine a position and a scale of the physical object based at least in part on the digital outline. The computing device may configure (e.g., rotate, scale) a 3D model of the physical object to match the determined position and scale of the physical object. The computing device may place or overlay a 3D virtual object on the physical object in AR based on a predefined location relation between the 3D virtual object and the 3D model of the physical object, and further, generate a composite view of the placement or overlay.Type: GrantFiled: January 21, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Micah Price, Geoffrey Dagley, Staevan Duckworth, Qiaochu Tang, Jason Hoover, Stephen Wylie, Olalekan Awoyemi
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Patent number: 10867270Abstract: This disclosure relates generally to vehicle diagnostics, and more particularly to systems and methods for vehicle tracking and service prediction. In one embodiment, a processor-implemented vehicle tracking and prediction method is disclosed. The method includes sending an electronic signal to activate in-vehicle data collection by an on-board data aggregator disposed in communication with each of an on-board vehicle computer, via an on-board diagnostic port, and one or more user devices. The method further includes receiving aggregated in-vehicle data from the on-board data aggregator, predicting a future vehicle service event based on the aggregated data, and generating a vehicle valuation metric based on the aggregated data. The method further includes sending a notification to at least one of the on-board vehicle computer and the one or more user devices, where the notification is based on the predicted future vehicle service event and the generated vehicle valuation metric.Type: GrantFiled: September 16, 2016Date of Patent: December 15, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Jason Hoover, Qiaochu Tang, Avid Ghamsari, Souvik Das
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Patent number: 10867484Abstract: Embodiments disclosed herein generally relate to an apparatus for counterfeit detection and a method implementing the same. In one embodiment, as apparatus is disclosed herein. The apparatus includes a first end, a second end, an elongated body, an ink cartridge, a controller, and a trigger. The elongated body extends from the first end to the second end. The elongated body defines a cavity therein. The ink cartridge is disposed in the cavity. The controller is positioned within the cavity. The controller is configured to communicate with at least one computing system remote from the apparatus. The trigger is in electronic communication with the controller. The trigger extends at least partially though the elongated body. The trigger is actionable between a first position and a second position. A change from the first position to the second position transmits an electronic signal to the controller.Type: GrantFiled: April 18, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Joshua Edwards, Abdelkader Benkreira, Michael Mossoba, Rajko Ilincic
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Patent number: 10866872Abstract: 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.Type: GrantFiled: November 18, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Bhavik Gudka, Milind Patel, Surya Avirneni, Umang Mistry
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Patent number: 10867338Abstract: Various embodiments are generally directed to techniques to provide specific vehicle recommendations to generic user requests. A method for providing the specific vehicle recommendation includes: receiving a generic automobile request from a user, applying a machine learning model (MLM) trained by a corpus of reviews to the received request, and generating, by the MLM, a recommendation for at least one specific automobile feature based on the generic automobile request.Type: GrantFiled: January 22, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Micah Price, Stephen Wylie, Habeeb Hooshmand, Jason Hoover, Geoffrey Dagley, Qiaochu Tang
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Patent number: 10867268Abstract: Disclosed herein are system, method, and computer program product embodiments for identifying and managing emerging risks. Businesses, such as those participating in regulated industries, may need to regularly monitor enforcement actions that are cited in a variety of sources. Embodiments disclosed herein provide for scraping information from those sources and comparing it to existing risk events in order to determine possible discrepancies that should be assessed.Type: GrantFiled: August 9, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Lokesh Vijay Kumar, Satish Chikkaveerappa, Sasi Kumar Unnikrishnan, Venkata Satya Parcha, Ponnazhakan Subramanian
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Patent number: 10866793Abstract: At least one application may include instructions comprising application instructions and a plurality of separate pipeline definition instructions. The application instructions may be within a virtual container including at least one program that is generically executable in a plurality of different continuous integration and delivery (CI/CD) environments. Each of the plurality of separate pipeline definition instructions may be configured for each of the plurality of different CI/CD environments such that each pipeline definition may operate only in the CI/CD environment for which it is created. Each pipeline definition may be configured to cause the CI/CD environment for which it is created to execute the at least one program.Type: GrantFiled: October 10, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Brandon Atkinson, Christopher Bowers, Dallas Edwards
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Patent number: 10867288Abstract: 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.Type: GrantFiled: November 25, 2019Date of Patent: December 15, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Rajendra Mokshagundam, Smitha Menon, Rajeesh Koythatta Mee
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Patent number: 10867245Abstract: In certain embodiments, training data may be generated for training a prediction model. Training data including first datasets may be obtained, where the first datasets include a plurality of feature types. A determination, via a relevancy model, based on the training data, of whether a feature type satisfies a first condition may be made. If the first condition is satisfied, one or more second datasets may be obtained to update the training data, where the second datasets include the plurality of feature types. A determination, via the relevancy model, based on the updated training data, may be made as to whether the feature type satisfies a second condition. The first and second conditions may relate to whether the feature type has a threshold amount of influence on the prediction model. If the second condition is satisfied, the updated training data may be provided to the prediction model.Type: GrantFiled: October 17, 2019Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventors: Nahid Farhady Ghalaty, Ana Cruz
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Patent number: 10867289Abstract: The disclosed embodiments include systems and methods for executing a point of sale deposit. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive deposit information related to a point of sale deposit from a mobile device, and generate a deposit token retaining at least the deposit information and deposit authorization information. The one or more processors may also be configured to transmit the deposit token to the mobile device for displaying a readable code generated based on the deposit token, receive a point of sale deposit authorization notification from the merchant device indicating at least receipt by the merchant device of the deposit token from the mobile device, and transfer funds to a financial service account based on the received deposit information and authorization notification.Type: GrantFiled: June 7, 2018Date of Patent: December 15, 2020Assignee: Capital One Services, LLCInventor: Dennis S. Brennan
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Publication number: 20200387702Abstract: Described herein is a system for automatically capturing images. A device may execute an application on the device. In response to receiving a request for capturing an image of a document, the application may control the operation of the camera to contemporaneously and continuously capture image frames of an area within the field of view of a camera of the device. The field of view may include an object and in turn may be included in the captured image frames. The application may determine whether the aspect ratio and real-world size of the object in the captured image frames corresponds with a specified threshold size and aspect ratio which corresponds with a given document type. In response to determining the object corresponds to the given document type, the camera may automatically extract an image of the object.Type: ApplicationFiled: April 22, 2020Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: Jason PRIBBLE, Daniel Alan JARVIS, Nicholas CAPURSO
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Publication number: 20200389516Abstract: A resource management system is disclosed herein that quickly and dynamically tailors application resource provisioning to real-time application resource consumption. The resource management system may service application requests using resources selected from a pool of servers, the pool of servers including a mixture of virtual server resources and serverless instance resources. The serverless instance resource may comprise software objects programmed using a machine image reflecting one or more states of a virtual application server booted using application-specific program code. Supporting an application using serverless instances enables dynamic scaling of application resources to support real-time application servicing loads.Type: ApplicationFiled: June 4, 2019Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: Nirmal PAREKH, Zachary ABRAHAMSON, Mahesh VEERABATHIRAN, Sathish GAMPA, Steven PEARSON
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Publication number: 20200387360Abstract: Disclosed are examples related to building a customized data collection widget. Building of the customized data collection widget includes receiving a selection of several universal modules for inclusion in the widget. Each universal module of the selected several universal modules may include programming code that causes rendering of user-fillable data fields on a display, and a summary page including data requirements of the respective universal module. Based on the data requirements in a summary page of each respective universal module of the selected several universal modules, the selected several universal modules retrieved from a module repository may be combined in a customized data collection container stored in a composite repository. The selected customized data collection container may be combined with selected other data collection containers to form a uniquely identifiable, customized data collection widget. The customized data collection widget may be delivered to the composite repository.Type: ApplicationFiled: May 11, 2020Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: Kush PATEL, Jiaxin GUO, Venkatasudharsan DASA, Gopi KANCHARLA, Justin PITZ, Charles E. SMITH
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Publication number: 20200389464Abstract: Systems and methods are provided for authenticating a user of a computing device. An example system includes a memory storing instructions, and a processor configured to execute the instructions to receive an authentication request from a user of a computing device, determine a context of the authentication request, determine a physical location of the user, and perform, based on the context of the authentication request and the physical location of the user, an associate proximity detection. The associate proximity detection includes steps to identify an associate based on at least one of the context of the authentication request or the physical location of the user, determine a physical location of the identified known associate, and determine a proximity of the user to the identified known associate. The authentication request may be approved when the determined proximity is within a threshold.Type: ApplicationFiled: June 18, 2020Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: DREW JACOBS, Hannes JOUHIKAINEN
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Publication number: 20200387388Abstract: Disclosed are examples of systems, methods and techniques related to delivering a service widget that collects data and provides a service. A service widget is provided in response to a widget delivery request received from a user browser. The delivered service widget enables the user browser to request item-related services from an enterprise. A request for the item-related services is received by an enterprise from the delivered service widget. Provision of the service is enabled upon confirmation that an authentication token fetched from the client backend system is valid for the client backend system, the services request may be delivered to an enterprise server. The enterprise, in response to an analysis of the information related to the item available for purchase, may indicate that the item available for purchase meets a purchase threshold of the enterprise and provide an evaluation result including parameters of the item-related services.Type: ApplicationFiled: May 19, 2020Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: Kush PATEL, Gopi KANCHARLA, Venkatasudharsan DASA
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Publication number: 20200389600Abstract: Disclosed herein are system, method, and computer program product embodiments for generating a recommendation displayed on a graphical user interface (GUI) for positioning a camera or object based on environmental information. In an embodiment, a mobile device may monitor information related to an environment surrounding the mobile device. This information may be retrieved from different sensors of the mobile device, such as a camera, clock, positioning sensor, accelerometer, microphone, and/or communication interface. Using this information, a neural network is able determine a predicted camera environment and generate a recommendation. The mobile device may display the recommendation on a graphical user interface (GUI) to recommend a camera position or an object position. This recommendation may aid in capturing an image of the object and aid in enhancing the image quality.Type: ApplicationFiled: June 7, 2019Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: Nicholas CAPURSO, Jason PRIBBLE, Daniel Alan JARVIS
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Publication number: 20200387558Abstract: In one aspect, the present disclosure relates to a method for reducing fraud in computer networks, the method including receiving, from each of a plurality of user devices, a request to block an ad displayed within a web browser installed on the user device, the request comprising image data and a forwarding URL associated with the ad; storing crowdsourced ad blocking data based on the received requests to block ads; receiving a request for a list of blocked ads; generating a list of blocked ads based on analyzing the crowdsourced ad blocking data, wherein analyzing the crowdsourced ad blocking data comprises identifying ads blocked by at least a threshold number of users; and sending the list of blocked ads to a first user device, the first user device comprising a browser extension configured to prevent ads within the list of blocked ads from being rendered in a browser.Type: ApplicationFiled: June 24, 2020Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: Adam Vukich, Abdelkader M'Hamed Benkreira, Joshua Edwards