Patents Assigned to Capital One Service, LLC
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Patent number: 12056713Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. As the transactions are received, the transactions may be analyzed to detect duplicate transactions and/or errors in the transactions. The transaction exchange platform may take steps to remediate transactions that are recognized as duplicates or predicted to generate one or more errors. Similarly, the transaction exchange platform may take steps to remediate transactions that are rejected by a clearinghouse.Type: GrantFiled: January 3, 2023Date of Patent: August 6, 2024Assignee: Capital One Services, LLCInventors: Nishant Srivastava, Eric K. Barnum, Suresh Chander Ramaraj, Eric Smith, Earle Michael Lee, Kumari Bhawprita
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Patent number: 12057134Abstract: Methods and systems for providing changes to a live voice stream of a person are disclosed. A change to be made to the live voice stream based on user information can be identified. The live voice stream can be changed based on the user information.Type: GrantFiled: February 14, 2023Date of Patent: August 6, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Ahn Truong, Mark Watson, Jeremy Goodsitt, Vincent Pham, Fardin Abdi Taghi Abad, Kate Key, Austin Walters, Reza Farivar
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Patent number: 12056659Abstract: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list. The method further comprises detecting a second tag in a second area, and sending the list to a second device. A second exemplary method performed by a processing terminal comprises receiving the list from a mobile device, entering a wireless scan mode, detecting a signal from a tag associated with an item in proximity to the tag, determining whether the item associated with the detected tag is present on the received list, and enabling the mobile device to complete a transaction to purchase the item.Type: GrantFiled: July 12, 2021Date of Patent: August 6, 2024Assignee: Capital One Services, LLCInventors: Lawrence Hutch Douglas, Thomas Christopher Clarke, Deborah Nally
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Patent number: 12056452Abstract: Conversational agents (CAs) may analyze language input and generate and output a response to a user. For example, when receiving a user's support request, the CA may determine whether to conduct self-disclosure by including information about the CA's “self” in a response to the user. For example, based on performing sentiment analysis of a support request user input, the CA may determine that the user is expressing negative emotions. Based on the user's expression of negative emotions, the CA may perform self-disclosure as part of generating a response to the user. A CA that is configured to engage in self-disclosure, for instance by including information about a CA's self in an output response, may increase users' acceptance of the CA, which may make a user more likely to trust and/or interact with a CA.Type: GrantFiled: December 16, 2021Date of Patent: August 6, 2024Assignee: Capital One Services, LLCInventors: Alexandra Coman, Rui Zhang
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Publication number: 20240259207Abstract: Various embodiments are generally directed to techniques provide and control applets for transaction cards. More specifically, embodiments discussed here include permitting or denying applets of transaction cards based on whether they are enabled or disabled. Embodiments may also include enabling and disable applets for transaction cards.Type: ApplicationFiled: April 10, 2024Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Lara MOSSLER, Madhavan CHANDRAN
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Publication number: 20240256639Abstract: Systems and methods for implementing a digital container. In some embodiments, the system determines whether an access code to refresh access provisions for a user with respect to a digital asset was received within a period of time. Based on determining that the access code was not received within the period of time, the system executes one or more modification processes to render at least a portion of the digital asset inaccessible. Subsequent to the period of time elapsing, the system receives the access code to refresh the access provisions for the user with respect to the digital asset. Based on receiving the access code, the system executes one or more restoration processes to reverse the one or more modification processes, thereby restoring the access provisions for the user with respect to the digital asset.Type: ApplicationFiled: January 30, 2023Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Jeremy GOODSITT, Christopher WALLACE, Daniele ROSA, Samuel SHARPE, Galen RAFFERTY, Austin WALTERS, Anh TRUONG
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Publication number: 20240256520Abstract: Displaying visual indications of one or more files that are associated with a file being viewed via an augmented reality headset may be facilitated. In some embodiments, an image of a file being viewed by a user may be received. The system may determine whether a file is associated with a first error indicating an inconsistency between the file and one or more other files related to the file. Based on determining that the file is associated with the first error, the system may retrieve, based on one or more file identifiers corresponding to the one or more other files, one or more other files associated with the inconsistency. The system may then generate for display (i) a visual indicator indicating the first error and (ii) one or more visual indications of the one or more other files associated with the inconsistency.Type: ApplicationFiled: February 1, 2023Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Samuel RAPOWITZ, John JONES, Michael GABA
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Publication number: 20240256537Abstract: Various embodiments are generally directed to techniques for building data lineages for queries, such as SQL queries. Some embodiments are particularly directed to a lineage tool that is able to construct data lineages in a recursive manner that uses the text of a query to identify dependent tables. In several embodiments, the data lineage tool may parse SQL queries to identify columns and dependent tables, including analyzing interdependent queries used to populate dependent tables and proceeding until the true source of data is identified. In several embodiments, the data lineage tool may utilize the relationships and dependencies to build element and table level lineages.Type: ApplicationFiled: April 11, 2024Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Srinivas KUMAR, Aravind BIRUDU, Rajeev TIWARI, Puneet GOYAL
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Publication number: 20240259221Abstract: A method and related system operations include receiving, from a first user device of a first user, a request indicating an off-chain identifier associated with a second user and a resource for the second user. The method also includes generating and sending a link to the second user based on the request. The method also includes obtaining, based on the link being activated at a second user device of the second user, a signed code signed with a first key via a signing application. The method also includes sending, based on authentication of the signed code, to a blockchain system, a signed message indicating a transfer of the resource from a source blockchain address to a target blockchain address. The method also includes storing, based on the authentication of the signed code, the off-chain identifier and the target blockchain address in association with one another.Type: ApplicationFiled: January 26, 2023Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Noah WEXLER, David SHORT, Kimberly STOCKLEY
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Publication number: 20240256820Abstract: Provided are approaches for customizing transaction cards using a replaceable insert. In some approaches, the transaction card may include a body comprising a first main side opposite a second main side, a first end opposite a second end, and a first side opposite a second side, wherein a chip is coupled to the first main side of the body. An insert may be positioned within a recess along the first main side, wherein a first magnetic material of the recess and a second magnetic material of the insert are positioned proximate one another to increase retention between the insert and the body.Type: ApplicationFiled: February 5, 2024Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Bryant YEE, Tyler MAIMAN, Ashley Dakota ROSS
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Publication number: 20240257196Abstract: Disclosed are methods and systems for authorizing age-restricted interactions. A first request may be received at an interaction authorization system from a computing device based on the computing device detecting (1) an age restriction associated with an interaction and (2) a certification mechanism for age validation associated with an account. The first request may include an account identifier, where the account is identified from a data store using the identifier to receive an age identifier of the account holder stored in association with the account. A first message including the age identifier may be generated and provided to the computing device for use in determining the account holder's age meets the age restriction. Based on the determination, a second request may be received at the interaction authorization system from the computing device to approve the interaction, and a responsive second message indicating an interaction approval may be generated and provided.Type: ApplicationFiled: February 1, 2023Publication date: August 1, 2024Applicant: Capital One Services, LLCInventor: Robert Dwane WOKATY, JR.
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Publication number: 20240256521Abstract: Systems and methods for performing data governance as a service is disclosed and may include onboarding a database to a governance as a service system, the database including at least one data set, executing, via the data governance as a service system, at least one core capability, wherein the at least one core capability is applicable to the at least one data set, determining data governance metadata for the at least one data set, wherein the data governance metadata is a subset of a data set metadata, applying at least one policy rule of the core capability to the data governance metadata, determining a violation based on applying the at least one policy rule, generating a first alert based on the violation, and transmitting the first alert to a designated system.Type: ApplicationFiled: January 30, 2024Publication date: August 1, 2024Applicant: Capital One Services, LLCInventors: Ajay SHINDE, Sindhu MYLA
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Patent number: 12052391Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for automatically queuing participants during a conference call. For instance, the method may include receiving call data associated with a conference call; analyzing the call data to identify the participants on the conference call; and determining whether two or more participants of the plurality of participants are speaking at a same time. The method can also include tracking a first participant that continues speaking and a second participant that stops speaking; and displaying a queuing element on a graphical user interface (GUI) to indicate that the second participant is in a queue to speak once the first participant has finished speaking.Type: GrantFiled: October 28, 2020Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: Vincent Pham, Jeremy Goodsitt, Kate Key, Anh Truong, Austin Walters
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Patent number: 12051084Abstract: Systems, methods, articles of manufacture, and computer-readable media for verified reviews. An application may receive an indication to generate a review. An application programming interface (API) of the application may receive, from a communications interface of a contactless card, encrypted data generated by the contactless card. The API of the application may transmit, to an authentication server: the encrypted data, an indication of the application, and an identifier associated with the entity. The API of the application may receive indications specifying that the authentication server decrypted the encrypted data and determined that the contactless card was used to make a purchase with the entity. The application may permit, based on the indications received from the authentication server, generation of the review. The application may publish the review to one or more review platforms associated with the application.Type: GrantFiled: July 22, 2022Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Rajko Ilincic
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Patent number: 12050957Abstract: Various embodiments are generally directed to improving card security by providing a user a contactless card with no sensitive card information, such as card number, card verification value, and expiration date, printed thereon, and displaying the sensitive card information relative to the card in augmented reality (AR) based on successful NFC-based user authentication. According to examples, the NFC-based user authentication may be performed by one-tapping or single tapping the contactless card to user mobile device. One or more portions of the sensitive card information may be obfuscated to further enhance card security. Moreover, the user can interact with AR elements including the sensitive card information to perform various actions.Type: GrantFiled: March 23, 2023Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: George Bergeron, Bryant Yee, Mykhaylo Bulgakov
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Patent number: 12052140Abstract: In some implementations, a compliance server may receive a set of data structures associated with one or more compliance activities. The compliance server may apply a machine learning model to the set of data structures in order to generate one or more automation estimates corresponding to the one or more compliance activities. The compliance server may output the one or more automation estimates to a user device. The compliance server may receive, from the user device, an indication of a selected compliance activity from the one or more compliance activities. The compliance server may generate an automation script for the selected compliance activity in response to the indication.Type: GrantFiled: April 21, 2023Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: Grant Michael Iwan, Mohamed Seck, Shannon Reid, Krystan R. Franzen
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Patent number: 12052248Abstract: Disclosed herein are system, method, and apparatus for assisted third-party password authentication. The method performed at a client device includes creating a secure connection from an inline frame associated with a first application on the client device to an authorization server for accessing a second application. The method includes identifying, by the inline frame, one or more events that represent inputs for a user authorization credential, and proxying, by the inline frame, the identified one or more events to the authorization server using the secure connection. The method includes receiving an authorization code from the authorization server in response to the proxying. The method includes redirecting, by the inline frame, the authorization code to the application on the client device. The method includes transmitting, from the client device to the authorization server, the authorization code to receive an access token for accessing the second application.Type: GrantFiled: July 18, 2023Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: David Benko, Michael Chen
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Patent number: 12051258Abstract: In some implementations, a device may detect edges in an image, and may identify, based on the edges, a rectangle that bounds a document in the image. The device may detect lines in the image, and may identify edge candidate lines by discarding one or more of the lines. The device may identify intersection points where lines, included in the edge candidate lines, intersect with one another. The device may identify corner candidate points by discarding one or more points included in the intersection points, and may identify a corner point included in the corner candidate points. The corner point may be a point, included in the corner candidate points, that is closest to one corner of the bounding rectangle. The device may perform perspective correction on the image of the document based on identifying the corner point.Type: GrantFiled: May 22, 2023Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: Jason Pribble, Nicholas Capurso, Daniel Alan Jarvis
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Patent number: D1037271Type: GrantFiled: January 19, 2022Date of Patent: July 30, 2024Assignee: Capital One Services, LLCInventors: Erik Jay Salazar De Leon, Thomas Dohan, II, Albert Berger
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Patent number: D1037281Type: GrantFiled: May 5, 2022Date of Patent: July 30, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Lea Cody, Kaitlin Newman, Laith Hallaq, Colin Hart, Lesley Newton, Emily Smith