Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Publication number: 20240154952
    Abstract: Disclosed herein are system, method, and computer readable media embodiments for global identity verification of a user for multiple services. In some embodiments, a centralized authentication platform (CAP) may receive a request from an independent service to generate an authentication token for a client device based on authentication performed by the service. The CAP may generate an authentication token of a particular authorization level, based on the method of authentication used by the service. The CAP may send the token to the client device as well as store the token in a database. The CAP may receive a second request from a second, unrelated service to validate the authentication token on the client device. The CAP may validate the token on the client device against the token in the database based on an authentication level thereof, and send a response to the second service indicating token validity.
    Type: Application
    Filed: March 1, 2023
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jackson MACOMBER, Jeffrey RULE, Lawrence DOUGLAS, Bob Uni KOSHY
  • Publication number: 20240152998
    Abstract: A computer-implemented method for providing personalized purchasing information to a user may include: obtaining first identification data of the user from a first engine; verifying a registration status of the user based on the first identification data; obtaining second identification data of the user from a second engine based on the registration status of the user; comparing the first identification data of the user and the second identification data of the user; initiating a real-time credit monitoring session based on the comparison between the first identification data of the user and the second identification data of the user; generating the personalized purchasing information of the user based on the real-time credit score of the user; and demonstrating the personalized purchasing information on a display of a device associated with the user.
    Type: Application
    Filed: January 12, 2024
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Avid GHAMSARI, Staevan DUCKWORTH, Geoffrey DAGLEY, Micah PRICE, Qiaochu TANG
  • Publication number: 20240152931
    Abstract: Exemplary embodiments relate to secure documents that are capable of being in an activated or deactivated state. When in the activated state, the document may be redeemable; when in the deactivated state, the document may not be redeemable. The document may be issued in the deactivated state and may require activation before being used. In order to activate the document, a user may log into an account associated with the document and scan a code printed on or embedded in the document. Using their account, the user may issue an activation command. This activation process ensures that, at the time the document is transferred, it is either in the presence of the user or the user is aware of the location of the document, and that the user wishes to authorize the transfer. Thus, even if the document is stolen or misplaced, it cannot be used without the requisite authorization.
    Type: Application
    Filed: November 9, 2023
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jeremy PHILLIPS, Kurry TRAN
  • Publication number: 20240155732
    Abstract: Systems and methods for generating real-time location-based notifications are described. In some aspects, the system processes, using a first machine learning model, a real-time video stream to determine a measure of significance of an event depicted in the real-time video stream. The system determines whether the user was present at the event. Based on determining that the user was present at the event, the system processes a user profile for the user and the measure of significance of the event to determine whether to generate for the user a cryptographic token associated with the event. Based on determining to generate for the user the cryptographic token associated with the event, the system generates a notification to the user including information for accessing the cryptographic token for the user.
    Type: Application
    Filed: November 9, 2022
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jeremy GOODSITT, Galen RAFFERTY, Samuel SHARPE, Brian BARR, Austin WALTERS
  • Publication number: 20240153064
    Abstract: A computer-implemented method for processing images may include obtaining at least one image for analyzing; inputting the at least one image to at least one of a plurality of image plugins; analyzing the at least one image via the at least one of the plurality of image plugins; determining metadata related to the at least one image based on the at least one of the plurality of image plugins; filtering the at least one image based on one or more rule sets to generate at least one filtered image; sorting the at least one filtered image to generate at least one sorted image; displaying the at least one sorted image based on an organizational sequence of a webpage; displaying navigation controls via the webpage; and displaying the at least one sorted image according to a user interaction with the navigation controls on the webpage.
    Type: Application
    Filed: November 9, 2023
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Geoffrey DAGLEY, Qiaochu TANG, Micah PRICE, Avid GHAMSARI, Staevan DUCKWORTH
  • Publication number: 20240152925
    Abstract: Logic may provide a lock for a credit card that may, e.g., prevent or attenuate fraudulent transactions. Logic may include one or more user interaction mechanisms to physically interact with a user to change a user-configurable circuit to create an unlock pattern with the user-configurable circuit to allow the payment instrument to authorize transactions and one or more lock patterns to prevent the payment instrument from authorizing transactions. The one or more user interaction mechanisms may comprise moveable conductors to connect or disconnect circuits of the user-configurable circuit to create the unlock pattern and the lock patterns. The logic may comprise a processor to process transactions and be coupled with memory. The logic may receive power from a point of sale (POS) terminal to process a transaction, apply the power to the user-configurable circuit, and determine an output of the user-configurable circuit to determine if the transaction succeeds or fails.
    Type: Application
    Filed: November 9, 2022
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Julian Duque, Michael Mossoba
  • Publication number: 20240152420
    Abstract: A computing system may determine that a change has occurred in a software application or a document object model associated with a software application. The computing system may obtain a current copy of a document object model (DOM) associated with the application and a current screenshot of a screen displaying the application (e.g., in response to determining that the change in the DOM has occurred). If the current copy of the DOM is determined to be similar to the screenshot, the computing system may save storage space by storing the current copy of the DOM and discarding the screenshot. The computing system may store the current copy of the DOM in a memory buffer. The computing system may send the DOM copies or screenshots stored in the memory buffer to the monitoring system, for example, if an error in the application is detected.
    Type: Application
    Filed: January 19, 2024
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Mehulkumar Jayantilal GARNARA, Vamsi KAVURI, Soumyajit RAY, Lee ADCOCK, Santhi SRIDHARAN
  • Publication number: 20240152351
    Abstract: Various embodiments are generally directed to techniques provide applets to transaction card. In embodiments, a transaction card may receive an applet signed with a verification signature. The transaction card may determine whether the verification signature matches one of the verification values stored on the memory, enable the applet including the instructions for execution by the processing circuitry in response to the determination the verification signature matches one of the verification values, and prevent enablement of the applet including the instructions for execution in response to the determination the verification signature does not match any of the verification values.
    Type: Application
    Filed: January 16, 2024
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Rajko ILINCIC, Jeffrey RULE
  • Publication number: 20240152527
    Abstract: In some embodiments, in connection with a user input of a user, a set of selective parameters to be configured by the user for a structured data query may be determined. As an example, the set of selective parameters may be a first set of selective parameters for the structured data query in response to the set of permissions being a first set of permissions. As another example, the set of selective parameters may be a second set of selective parameters different from the first set of selective parameters in response to the set of permissions being a second set of permissions. One or more input fields for configuring one or more selective parameters of the set of selective parameters may be generated for display, and an executable data query may be generated based on configuration information (related to the selective parameters) that is obtained via the input fields.
    Type: Application
    Filed: January 17, 2024
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Caglar ERGUN, Mahesh SENNIAPPAN, Junbo CHEN, David SCHAAF, Mahadevan SIVARAMAKRISHNAN
  • Publication number: 20240152333
    Abstract: Methods and systems are described herein for generating function completion timelines using machine learning models. The system may receive a validation request for validating completion of a function, determine a class of the logic input data, add the class to the validation request, input the validation request into a machine learning model for generating a prediction of a completion timeline, and generate the prediction of a completion date based on the completion timeline.
    Type: Application
    Filed: November 8, 2022
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Madhavan CHANDRAN, Elijah CARTER, Cary BLOOM, Tahmina KHAN, Cory WILLIAMS
  • Publication number: 20240152901
    Abstract: Disclosed is a contactless card, and a system in which the contactless card may be used. The contactless card may include a chip component, a communication interface, processing circuitry, and electromagnetic field sensing circuitry. The electromagnetic field sensing circuitry of the contactless card may be operable to provide orientation signals to the processing circuitry when the contactless card is in proximity to an oscillating electromagnetic field output by a card reader device. The processing circuitry of the contactless card may be operable to receive the orientation signals. An orientation of the contactless card with respect to the mobile device may be determined. An orientation indication signal may be generated based on the determined orientation, and a haptic indication, an audio indication, a visual indication or a combination directing movement of the contactless card in a particular direction may be output.
    Type: Application
    Filed: November 9, 2022
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Bryant Yee, Tyler Maiman, Kevin Osborn
  • Publication number: 20240152789
    Abstract: Methods and systems are described herein for generating a trained Bayesian Hierarchical model from low signal datasets. The disclosed approach utilizes data from alternative segments as a baseline to train the Bayesian Hierarchical model. In some embodiments, the disclosed approach may supplement segment-specific features from another dataset. In some embodiments, inputs for prior distributions may be received from an expert and modified based on the model specification. In one example, the disclosed approach may be used to model probability of default for companies in a low-default segment like Energy portfolio. In this example, data from other commercial and industrial segments is used to form a baseline in the Bayesian Hierarchical model. Further, dataset containing segment-specific features for Energy is supplemented to the training dataset.
    Type: Application
    Filed: January 6, 2023
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Mohar SEN, Nithin NETHIPUDI, Suresh Kumar SIMHADRI
  • Publication number: 20240152718
    Abstract: Embodiments are directed to methods and techniques for providing power via piezoelectric components on contactless cards.
    Type: Application
    Filed: November 4, 2022
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Bryant Yee, Kevin Osborn, Tyler Maiman
  • Publication number: 20240152419
    Abstract: Methods and systems are disclosed herein for using anomaly detection in timeseries data of user sentiment to detect incidents in computing systems and identify events within an enterprise. An anomaly detection system may receive social media messages that include a timestamp indicating when each message was published. The system may generate sentiment identifiers for the social media messages. The sentiment identifiers and timestamps associated with the social media messages may be used to generate a timeseries dataset for each type of sentiment identifier. The timeseries datasets may be input into an anomaly detection model to determine whether an anomaly has occurred. The system may retrieve textual data from the social media messages associated with the detected anomaly and may use the text to determine a computing system or event associated with the detected anomaly.
    Type: Application
    Filed: January 17, 2024
    Publication date: May 9, 2024
    Applicant: Capital One Services, LLC
    Inventors: Vannia GONZALEZ MACIAS, Paul CHO, Rahul GUPTA, Scott GARCIA, Adithya RAMANATHAN
  • Patent number: 11978053
    Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing network security. The system may receive customer credentials in association with an attempted transaction initiated by a user device that is connected to a local network. The system may receive network identification data associated with the local network and generate a network confidence score based on the network identification data and a historical local network footprint. The system may determine a security action based on the network confidence score.
    Type: Grant
    Filed: May 6, 2020
    Date of Patent: May 7, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Charles Nathan Crank, Lawrence Altaffer, Erik Jay S. DeLeon
  • Patent number: 11977536
    Abstract: Methods and systems are described herein for improving anomaly detection in timeseries datasets. Different machine learning models may be trained to process specific types of timeseries data efficiently and accurately. Thus, selecting a proper machine learning model for identifying anomalies in a specific set of timeseries data may greatly improve accuracy and efficiency of anomaly detection. Another way to improve anomaly detection is to process a multitude of timeseries datasets for a time period (e.g., 90 days) to detect anomalies from those timeseries datasets and then correlate those detected anomalies by generating an anomaly timeseries dataset and identifying anomalies within the anomaly timeseries dataset. Yet another way to improve anomaly detection is to divide a dataset into multiple datasets based on a type of anomaly detection requested.
    Type: Grant
    Filed: March 23, 2023
    Date of Patent: May 7, 2024
    Assignee: Capital One Services, LLC
    Inventors: Vannia Gonzalez Macias, Scott Garcia, Peter Terrana
  • Patent number: 11979406
    Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t
    Type: Grant
    Filed: February 10, 2023
    Date of Patent: May 7, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Lawrence Douglas, Jackson Macomber
  • Patent number: 11977552
    Abstract: Methods and systems are described herein for improvements for reducing client-server network traffic. For example, methods and systems allow for the reduction of client-server network traffic by altering search filters based on their respective rank and/or frequencies of being searched with other search filters included in a search query. In this way, users do not have to resubmit queries that are illogical or would return a null set of search results. For example, a first query may be received. A first search may be performed based on the first query. A first search filter may be selected based on a hierarchical tree structure of search filters. A second query may be generated comprising the first search filter and one or more other search filters, wherein the second query comprises fewer search filters than the first query, and a second search may be performed based on the second query.
    Type: Grant
    Filed: July 25, 2022
    Date of Patent: May 7, 2024
    Assignee: Capital One Services, LLC
    Inventors: Micah Price, Chi-San Ho, Rebecca Hummel, Avid Ghamsari
  • Patent number: 11977527
    Abstract: In certain embodiments, machine learning and lineage data may be used to manage data. In some embodiments, a computing system may use lineage data to identify two datasets that may be related. The computing system may determine that a user has access to a derivative dataset but does not have access to an original dataset that was used to create the derivative dataset. In response, the computing system may use a machine learning model to generate a similarity score indicating a level of similarity between the original dataset and the derivative dataset. If the similarity score satisfies a threshold score, the computing system may modify access rights of the user so that the user is unable to access a portion of the data in the derivative dataset.
    Type: Grant
    Filed: January 3, 2022
    Date of Patent: May 7, 2024
    Assignee: Capital One Services, LLC
    Inventors: William Ye, Jon Stofer, Thomas J. O'Connor, Jose Moreno
  • Patent number: D1026017
    Type: Grant
    Filed: May 5, 2022
    Date of Patent: May 7, 2024
    Assignee: Capital One Services, LLC
    Inventors: Lea Cody, Kaitlin Newman, Colin Hart, Lesley Newton, Emily Smith