Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 11990955
    Abstract: A network-enabled smart apparatus has a data processing system, at least one operational system, wide area and local network communication interfaces, and a memory. The memory has stored therein apparatus identification information, at least one service application, and an activation application. The activation application causes the data processing system to establish an internet connection and create an NFC-enabled web page. The data processing system transmits, to the user device instructions to navigate to the NFC-enabled web page and instructions for the user to tap an NFC-enabled smart card to the user device. The apparatus data processing system reads, via the NFC-enabled web page, NFC information transmitted to the user device by the smart transaction card. The application causes the apparatus to transmit the NFC information to a service administration server, and receive, from the service administration server, a service activation command.
    Type: Grant
    Filed: March 15, 2023
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule
  • Patent number: 11989724
    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.
    Type: Grant
    Filed: August 27, 2021
    Date of Patent: May 21, 2024
    Assignee: Capital One Services LLC
    Inventors: Kevin Osborn, Jeffrey Rule, James Ashfield, Srinivasa Chigurupati
  • Patent number: 11989607
    Abstract: Example embodiments of systems and methods for preventing chip fraud are provided. A chip fraud prevention system may comprise a device including a chip, wherein the chip is at least partially encompassed in a chip pocket. One or more connections may be communicatively coupled to one or more surfaces of the chip, and a capacitance member may be coupled to a surface of the chip. The capacitance member may comprise a known capacitance value and the chip may comprise a memory containing an applet, wherein the applet is configured to measure the capacitance value of the capacitance member.
    Type: Grant
    Filed: June 28, 2022
    Date of Patent: May 21, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Daniel Herrington, Stephen Schneider, Tyler Maiman
  • Patent number: 11989721
    Abstract: Methods, systems, devices, and computer-readable media for a multi-party transaction decisioning system are provided. The system may analyze a purchase transaction associated with a first user and may identify that the transaction is associated with more than one party based on determining that an amount of the transaction is atypical for the first user. The system may identify a party associated with the multi-party transaction based on analyzing data associated with the first user. The system may generate a delegation request for a portion of the amount of the multi-party transaction to be delegated to the identified party and may transmit the delegation request to the identified party. Subsequently, the system may receive a payment transaction from the identified party, and the system may identify that the payment transaction is associated with the previously transmitted delegation request.
    Type: Grant
    Filed: August 19, 2021
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Vijay Sahebgouda Bantanur, Muralidharan Balasubramanian, Julie Dallen
  • Patent number: 11989506
    Abstract: Systems and methods of the present disclosure enable database search. The systems and/or methods may include receiving a search query that includes an input document having text. Word embeddings are generated within the input document, where the word embeddings include vector representations of words in the text of the input document. An average input document word embedding vector is determined for the word embeddings of the input document. A set of stored documents is accessed, where each stored document includes a stored text has a particular average stored document word embedding vector. A similarity model is used to determine a similarity metric measuring the similarity between the input document and each stored document based on the average input document word embedding vector and the particular average stored document word embedding vector of each stored document.
    Type: Grant
    Filed: July 27, 2022
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Cruz Vargas, Phoebe Atkins, Alexander Lin, Joshua Edwards, Lin Ni Lisa Cheng, Rajko Ilincic, Max Miracolo, Brian McClanahan
  • Patent number: 11989597
    Abstract: Systems and methods for connecting datasets are disclosed. For example, a system may include a memory unit storing instructions and a processor configured to execute the instructions to perform operations. The operations may include receiving a plurality of datasets and a request to identify a cluster of connected datasets among the received plurality of datasets. The operations may include selecting a dataset. In some embodiments, the operations include identifying a data schema of the selected dataset and determining a statistical metric of the selected dataset. The operations may include identifying foreign key scores. The operations may include generating a plurality of edges between the datasets based on the foreign key scores, the data schema, and the statistical metric. The operations may include segmenting and returning datasets based on the plurality of edges.
    Type: Grant
    Filed: October 20, 2021
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Austin Walters, Mark Watson, Galen Rafferty, Anh Truong, Jeremy Goodsitt, Vincent Pham
  • Patent number: 11989514
    Abstract: Disclosed herein are system, method, and computer program product embodiments for machine learning systems to process incoming call-center calls to provide communication summaries that capture effort levels of statements made during interactive communications. For a given call, the system receives a transcript as the input and generates a textual summary as the output. In order to improve a call summary and customize a summarization task to a call center domain, the technology disclosed herein may employ a classifier that predicts an effort level and attention score for individual utterances within a call transcript, ranks the attention scores and uses selected ones of the ranked utterances in the summary.
    Type: Grant
    Filed: March 18, 2022
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Aysu Ezen Can, Zachary S. Brown, Chris Symons
  • Patent number: 11989673
    Abstract: A system including: a processor; and a memory storing computer program code that controls the processor to: collect real-time business process metrics; collect real-time cluster metrics for a plurality of application clusters indicative of a required allotment of infrastructure resources for a given business process level; estimate a predicted future business process level; based on the estimated predicted future business process level and the real-time cluster metrics, predict a future infrastructure resource requirement of each of the plurality of application clusters; compare the predicted future infrastructure resource requirement of each of the plurality of application clusters to a current dedication of each of the plurality of application clusters; automatically adjust, in real-time and based on the comparison, respective allotments of infrastructure resources for each of the plurality of application clusters; receive an actual business process; and process the business process across the plurality of
    Type: Grant
    Filed: April 5, 2023
    Date of Patent: May 21, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Amit Pandey, Ateet Kumar Awasthi, Aaron L. Hoenig, Kumar Anand
  • Patent number: 11989696
    Abstract: In order to facilitate meeting room allocation and calendaring, systems and methods are disclosed including receiving electronic meeting requests to schedule a meeting. A meeting room locator machine learning model is utilized to predict meeting room parameters of a meeting room object representing a candidate meeting room based on a meeting room needs data and location information. A meeting scheduling machine learning model is utilized to predict meeting parameters of a calendar object representing a candidate meeting time based on the candidate meeting room, schedule information and the location information. An indication of the candidate meeting room and the candidate meeting time is displayed in response to the electronic meeting request on a screen associated with each attendee. A selection of the candidate meeting room and the candidate meeting time is received from each attendee, and the candidate meeting room is dynamically secured at the candidate meeting time.
    Type: Grant
    Filed: January 16, 2020
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: James Zarakas, George Bergeron, Adam Vukich
  • Patent number: 11989665
    Abstract: In an example embodiment, a system is described for customizing user accounts based on user actions, which may include receiving, via a user device, a first user input requesting to create an account for a user. The system may further receive, via the user device, a second user input selecting an account type for the account from a plurality of account types. In response to these user inputs, the system may retrieve, from a server, one or more account requirements for the account type, determine that the user meets the one or more account requirements and create an account in response to determining that the user meets the one or more account requirements.
    Type: Grant
    Filed: April 13, 2021
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Joseph Goldstein, Thomas Dodson, Eric Delgado
  • Patent number: 11989207
    Abstract: Methods and systems are described herein for synchronizing communication records in computer networks. For example, the methods and systems may determine whether or not a first communication relates to a second and generate a recommendation that the communications relate to a single communication. In particular, the methods and systems described herein describe synchronizing communication records in computer networks based on detecting patterns in categories of metadata. For example, the methods and systems retrieve specific types of metadata and compare this metadata between communications in order to synchronize and/or deduplicate them.
    Type: Grant
    Filed: March 3, 2023
    Date of Patent: May 21, 2024
    Assignee: Capital One Services, LLC
    Inventors: Aditya Pai, Brice Elder, Niyati Shah, Marek Sedlacek
  • Publication number: 20240161183
    Abstract: Logic may receive one or more questions from a customer in a chat. The logic may associate the one or more questions with one or more categories of subjects. The logic may store indications of the one or more categories of the subjects with a customer profile. The logic may select questions for a quiz for the customer based on the one or more categories of the subjects in the customer profile from a set of questions. The logic may present the one or more questions to the customer. And, in some embodiments, the logic may receive answers to the one or more questions from the customer.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Leeyat Bracha TESSLER, Illiana REED, Benjamin West POLLAK, Michael Joseph CIRILLO, Abhita MOORTHY, Mia RODRIGUEZ
  • Publication number: 20240163186
    Abstract: Systems, methods, and computer-readable storage media for routing event data from cloud-based sources to various service providers without using a permanently dedicated server (or similar solution). The solution disclosed herein is source agnostic, meaning that the data being received can be from any provider of cloud-based data, with the data received being in a format specific to the given provider. The system can normalize the data from the respective sources into a common format based on properties on the data and, based on the normalized data, identify what type of analysis, process, or other service should be executed on data received. The system can then forward the data to respective service providers for the execution of those services.
    Type: Application
    Filed: January 22, 2024
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventor: Maharshi JHA
  • Publication number: 20240159555
    Abstract: Systems and methods are disclosed herein for training machine learning models using precision data based on movement and timing of data collection. The system trains the machine learning model to predict object locations in an environment. The training data includes location data, timing data, and motion data, collection of which is triggered by a user input indicating that a particular object was located. The system generates precision parameters for the locations by assigning initial values to entries within the training data and may lower precision parameters based on the timing data indicating that an object was located faster than a threshold time or based on the motion data indicating that a rate of motion exceeded a threshold rate when a corresponding object was located. The system may update the training data with the lowered precision parameters and train the machine learning model to predict the object locations within the environment.
    Type: Application
    Filed: November 15, 2022
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Matthew Louis NOWAK, Michael Anthony YOUNG, JR., Christopher McDANIEL
  • Publication number: 20240163270
    Abstract: Techniques to pre-authenticate an identity for an electronic account are described and claimed by the present disclosure. The electronic account may enforce a multi-factor authentication procedure that involves a number of steps. In addition to the electronic account, a user may have other accounts requiring authentications. Successful authentications with respect to those other accounts may provide evidence of the user's identity. If sufficient evidence is present, one or more steps of the multi-factor authentication procedure may be bypassed. Other embodiments are described and claimed.
    Type: Application
    Filed: July 19, 2023
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M’Hamed BENKREIRA, Joshua EDWARDS, Adam VUKICH
  • Publication number: 20240161525
    Abstract: In some embodiments, generating synthetic training datasets for training machine learning models in training data-sparse environments for non-homogenous predictions may be facilitated. In some embodiments, user-specific information associated with a user may be received. The system may generate synthetic training data representing one or more alternative actions corresponding to one or more characteristics by: labeling the user-specific information, determining (e.g., based on the labeled user-specific information) one or more characteristics of the labeled user-specific information, and determining (e.g., based on the one or more characteristics) one or more alternative actions corresponding to the one or more characteristics. The system may then train a machine learning model based on the synthetic training data to generate a prediction in response to providing an action of a first user to the machine learning model.
    Type: Application
    Filed: November 15, 2022
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Tyler MAIMAN, Kevin OSBORN, Shabnam KOUSHA
  • Publication number: 20240162937
    Abstract: Various embodiments are directed to dynamically and temporarily adjusting power to an NFC reader of a computing device from a first power level to a second power level based on a feedback mechanism between a contactless card and the computing device. The contactless card may provide a message containing a checksum. The computing device may receive the message and calculate a checksum based on the received message. By comparing these two checksums, it may be determined whether the entire message has been correctly received. If not, the power to the NFC reader may be temporarily increased to allow better communication between the contactless card and the computing device.
    Type: Application
    Filed: November 22, 2023
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC
  • Publication number: 20240162938
    Abstract: A batteryless device is disclosed. According to certain embodiments, the batteryless device may include a first communication system and a second communication system, the second communication system being a near-field-communication (NFC) system. The batteryless device may also include a power receiver coupled to the first communication system and configured to wirelessly receive power from an external device for powering the first communication system. The batteryless device may further include a controller configured to: when the first communication system is powered, establish, via the first communication system, a first wireless connection with a user device; receive, through the first wireless communication, a token from the user device; establish, via the second communication system, a second wireless connection with a terminal; and transmit, through the second wireless connection, the token to the terminal.
    Type: Application
    Filed: December 13, 2023
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Lawrence DOUGLAS, Paul Y. MORETON
  • Publication number: 20240163280
    Abstract: Techniques and apparatus for providing peer-based management of user accounts are described. In one embodiment, for example, an apparatus may include at least one memory and logic coupled to the at least one memory. The logic may be configured to receive a request from at least one first user account to unlock a second user account locked responsive to a fraud event, determine a safe authentication value for the fraud event, and unlock the second user account responsive to the at least one first user account being a safe authentication account and the safe authentication value being over a safe authentication threshold value. Other embodiments are described.
    Type: Application
    Filed: July 12, 2023
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Vincent PHAM, Reza FARIVAR, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD, Anh TRUONG, Kate KEY, Austin Grant WALTERS
  • Publication number: 20240160708
    Abstract: A system and method for detecting and prevent identity theft attempts, such as phishing, vishing or other similar attacks is disclosed. A smart device, such as a smartphone operates in tandem with a biometric sensor, such as is included in a wearable device like a smartwatch or fitness tracker. The wearable tracks certain biometric and/or physiological data that can be used to identify whether the user is in a stressed state. The smart device then accesses usage logs that may indicate whether the stressed state is justified, such as whether the user had a calendar appointment at that time, or whether the call was received from a known contact etc. Justifications reduce the likelihood that the user's stress is a result of an identity theft attempt, whereas lack of justification increases the likelihood. In the latter scenario, the user is notified not to divulge sensitive information.
    Type: Application
    Filed: November 10, 2022
    Publication date: May 16, 2024
    Applicant: Capital One Services, LLC
    Inventors: Dwij TRIVEDI, Abhay DONTHI, Salik SHAH, Jennifer KWOK, Leeyat Bracha TESSLER