Patents Assigned to Capital One Service, LLC
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Publication number: 20240362290Abstract: Provided herein are system, method and/or computer program product embodiments, and/or combinations and sub-combinations thereof for controlling access to a website. In some embodiments, a user scans a machine-readable indicia with their mobile device to access a backend redirect page. The backend redirect page receives the access request, generates a unique session identifier, and configures a dynamic address based on the unique session identifier. The backend redirect page redirects the mobile device to an intake page of a website using the dynamic address for that page. Whenever the user attempts to load a page in the website using the corresponding dynamic address, an intake backend for frontend verifies the validity of the unique session identifier associated with the dynamic address. A session monitor tracks the amount of time since the unique session identifier was generated and invalidates the unique session identifier after a predetermined amount of time has passed.Type: ApplicationFiled: July 11, 2024Publication date: October 31, 2024Applicant: Capital One Services, LLCInventors: Tam NGUYEN, Gerardo FANG, Venkata Sudharsan DASA
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Publication number: 20240362529Abstract: Methods and systems are described herein for novel uses and/or improvements to artificial intelligence applications for data-sparse environments. As one example, methods and systems are described herein for overcoming the problem of determining an appropriate digital asset to recommend to a user in real-time based on training data that may be shared between multiple intents (e.g., as would be found in responses to textual, verbal, and/or other real-time communications). In particular, the methods and systems overcome this technical problem by using an artificial intelligence trained to identify specific verbiage of a user to display digital assets corresponding to a user's intent thereby increasing productivity, organization, and collaboration, and reducing frustration.Type: ApplicationFiled: April 26, 2023Publication date: October 31, 2024Applicant: Capital One Services, LLCInventors: Jeremy GOODSITT, Galen RAFFERTY, Samuel SHARPE, Austin WALTERS, Kenny BEAN
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Publication number: 20240362619Abstract: 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.Type: ApplicationFiled: February 7, 2024Publication date: October 31, 2024Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Kevan EMMOTT
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Publication number: 20240362647Abstract: Disclosed herein are system, method, and device embodiments for ATM access during a power outage. In an example embodiment, an automated teller machine (ATM) may receive power from a mobile device including a banking application, send the power to a rechargeable battery of the ATM, and enter a reduced power mode, wherein the ATM is powered by the rechargeable battery. Further, the ATM may receive a transaction request including an authentication credential from the banking application, determine an account associated with the authentication credential, determine an authorization result indicating whether to perform the transaction request, and generate recordation information corresponding to the authorization result.Type: ApplicationFiled: July 9, 2024Publication date: October 31, 2024Applicant: Capital One Services, LLCInventors: Vincent PHAM, Jeremy GOODSITT, Anh TRUONG, Mark WATSON, Austin WALTERS, Galen RAFFERTY, Reza FARIVAR
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Publication number: 20240362642Abstract: Systems and methods for triggering a virtual certification number (VCN) generation for use at a source include receiving a VCN generation request from an external entity, the VCN generation request comprising an external request code, external risk signals, and one or more source data for the source, verifying a registration authentication of an account associated with the external request code by comparing the external request code to a database entry, identifying a certification mechanism reference identifier associated with the external request code based on verifying the registration authentication, generating a risk authentication based on a risk analysis conducted using the external risk signals and the external request code, identifying a source identifier based on the one or more source data, and generating the VCN based on the certification mechanism reference identifier and the source identifier.Type: ApplicationFiled: July 8, 2024Publication date: October 31, 2024Applicant: Capital One Services, LLCInventors: Kelly Jo BROWN, Jesse EMERY, Jonathan BLOCKSOM, Swapna MANDALA, Todd SAFFORD, Victoria YANG, Brian GLOWNIAK, Edward HUSA, Calvin SUN, Audrey ZHANG
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Patent number: 12131740Abstract: Methods and systems are disclosed herein for improving the quality of audio for use in a biometric. A biometric system may use machine learning to determine whether audio or a portion of the audio should be used as a biometric for a user. A sample of the user's voice may be used to generate a voice signature of the user. Portions of the audio that do not meet a similarity threshold when compared with the voice signature may be removed from the audio. Additionally or alternatively, interfering noises may be detected and removed from the audio to improve the quality of a voice biometric generated from the audio.Type: GrantFiled: June 8, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Bozhao Tan, Isabelle Alice Yvonne Moulinier, David Almquist, June Wu
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Patent number: 12131349Abstract: In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results.Type: GrantFiled: October 16, 2019Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Patent number: 12132726Abstract: A server device receives, from a user device, a session initiation request and information identifying a location of the user device, and receives, from a monitoring device that is separate from the user device, an authentication request and information identifying a location of the monitoring device. The server device processes the session initiation request and the authentication request to authenticate a user of the user device, and determines, based on the location of the user device and the location of the monitoring device, that the user device and the monitoring device are collocated. The server device creates, after authenticating the user of the user device and determining that user device and the monitoring device are collocated, a session token, and sends the session token to the user device to enable the user device to access at least one resource of the server device.Type: GrantFiled: November 16, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Adam Vukich, Abdelkadar M'hamed Benkreira
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Patent number: 12131736Abstract: In some implementations, a recording device may obtain a settings configuration associated with deactivating an audio recording function or an audio processing function of the recording device, wherein the settings configuration indicates one or more deactivation events. The recording device may obtain first audio content associated with the recording device for identifying audio prompts associated with causing the recording device to perform one or more actions. The recording device may detect a deactivation event of the one or more deactivation events. The recording device may refrain from obtaining audio content based on detecting the deactivation event and until an activation event is detected. The recording device may obtain second audio content associated with the recording device based on detecting the activation event.Type: GrantFiled: July 5, 2022Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Jeremy Goodsitt, Galen Rafferty, Samuel Sharpe, Grant Eden, Austin Walters, Anh Truong, Christopher Wallace
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Patent number: 12131450Abstract: Systems and methods for processing image data representing a document to remove deformations contained in the document 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 provide, to a machine learning system, a training dataset representing a plurality of documents containing a plurality of training deformations. The instructions may also instruct the system to use the machine learning system to process image data representing a target document containing a target document deformation. The machine learning system may generate restored image data representing the target document with the target document deformation removed. The instructions may further instruct the system to provide the restored image data to at least one of a graphical user interface, an image storage device, or a computer vision system.Type: GrantFiled: November 8, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Reza Farivar, Kenneth Taylor
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Patent number: 12131038Abstract: Disclosed are systems and methods for adaptive partitioning of memory and storage resources of a first cluster node of a cluster system, comprising a plurality of nodes; wherein the first node includes one or more shards; and a client device in data communication with the plurality of nodes, wherein the first node is configured to: receive a client request, identify one of the one or more shards based on the client request, retrieve shard rules of the identified shard, determine an allocation of one or more memory slots of the identified shard based on the client request, lock the one or more memory slots, and perform one or more operations on the one or more memory slots associated with the client request based on the allocation.Type: GrantFiled: August 3, 2022Date of Patent: October 29, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Rohit Joshi, Ashish Gupta, Hao Cheng
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Patent number: 12131209Abstract: A transaction card assembly is described including: a card body including a Europay, Mastercard, and Visa (EMV) chip and a receiving portion; a removable sheath component including visible cardholder information and an attachment portion; wherein, in a first configuration, the removable sheath component is coupled to the card body via engagement between the receiving portion and the attachment portion, and in a second configuration, the removable sheath component is uncoupled from the card body by disengagement between the attachment portion and the receiving portion, and wherein, in the first configuration, the visible cardholder information is obfuscated by the card body.Type: GrantFiled: November 9, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Bryant Yee, Samuel Rapowitz, Armando Martinez Stone
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Patent number: 12131147Abstract: Disclosed herein are systems and methods for deploying and/or rolling back automatic teller machine (ATM) updates. Such methods can store a back-up system image of a client operating system on a virtual hard drive. When an update is deployed from a host operating system to the client operating system, the system update may fail to install properly, and the ATM may shut down. In response, the host operating system can execute instructions to the client operating system to boot from a bootable image on the virtual hard drive. Then, the virtual hard drive can emulate, by a boot loader on the back-up system image, the client operating system on the ATM from the virtual hard drive without loading the client operating system. Then, the virtual hard drive can install a rolled-back operating system on the ATM. The rolled-back operating system can comprise the back-up system image.Type: GrantFiled: June 23, 2023Date of Patent: October 29, 2024Assignee: CAPITAL ONE SERVICES, LLCInventor: Robert Reasor
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Patent number: 12131234Abstract: In some implementations, a system may receive a first set of files output based on a machine learning model that is trained using training data that includes a set of values, for each of multiple observations, that corresponds to a set of features. The system may receive a second set of files that includes information that identifies a set of valid values corresponding to the set of features. The system may generate, based on the first set of files and the second set of files, code for generating the output score from the trained model based on a set of input values that are input to the trained model. The system may deploy the code for execution in a computing environment.Type: GrantFiled: October 28, 2020Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Yu Zhang, Anshuman Guha, Kyle Moore, Animesh Mod, Christopher Bjorgolfsson, Wenyan Huang, Lok Yi Lam
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Patent number: 12131124Abstract: Described are methods and systems are for generating dynamic conversational queries. For example, as opposed to being a simply reactive system, the methods and systems herein provide means for actively determining a user's intent and generating a dynamic query based on the determined user intent. Moreover, these methods and systems generate these queries in a conversational environment.Type: GrantFiled: November 17, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Minh Le, Arturo Hernandez Zeledon, Md Arafat Hossain Khan
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Patent number: 12130684Abstract: Techniques and apparatus for providing power monitoring processes are described. In one embodiment, for example, an apparatus may include at least one storage device and logic coupled to the at least one storage device. The logic may be configured to poll a power device comprising a plurality of power elements via an alarm status identifier operative to cause the power device to return an alarm status string comprising a plurality of alarm status bits, each of the plurality of alarm status bits indicating an active alarm state of one of the plurality of power elements, and determine each of the plurality of power elements in the active alarm state based on the alarm status string. Other embodiments are described.Type: GrantFiled: April 25, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventor: Dennis Gibson
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Patent number: 12132834Abstract: Systems and methods for dynamically encrypting requests in accordance with embodiments of the invention are disclosed. In one or more embodiments, a computer-implemented method includes obtaining an updated private key been issued for a third-party service, storing, in a caching system, a routing entry comprising a security token for the third-party service, receiving a request to access the third-party service, and redirecting the client device to the third-party service.Type: GrantFiled: August 10, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Aditya Anand, Nitant Bhartia, Saji Asok, Zhi Zheng, Andrew Chen, Ghulam Sallman, Elvin Z. Lee
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Using tokens from silent push notifications during application sessions to develop device confidence
Patent number: 12132799Abstract: Aspects disclosed are directed to a system and methods that device authentication. The system at least transmits a silent push notification to an application installed on a client device. The silent push notification includes a push token provided by a push service and an embedded secret. A response to the silent push notification can be received with a further embedded secret. The embedded secret and the further embedded secret can be compared to determine if they match. If the embedded secret and the further embedded secret match, the client device can be authenticated.Type: GrantFiled: January 9, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Patrick Zearfoss, Daniel Alan Jarvis, Salman Haq -
Patent number: 12133081Abstract: Systems and methods are disclosed including receiving an electronic access request to add a secondary electronic profile of a secondary user to a primary electronic profile of a primary user. A processor generates and sends a first security challenge to the primary user and a secondary security challenge to the secondary user. The processor receives a response from the primary user in response to the first security challenge and a response from the secondary user in response to the secondary security challenge. The processor authenticates the electronic access request based on the first response being a valid response and the secondary response being a valid response. The processor generates the secondary electronic profile as a nested profile within the primary electronic profile. The processor instructs the primary user device or the secondary user device to display a confirmation of the secondary user being added to the primary electronic profile.Type: GrantFiled: August 4, 2022Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Brendan Way, Tyler Maiman, Abdelkader M'Hamed Benkreira
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Patent number: D1049221Type: GrantFiled: January 19, 2024Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: William Fowler Carroll, II, Daniel John Marsch, Bryant Alan Yee, Andrea Montealegre