Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Publication number: 20210319448
    Abstract: Computer-implemented methods and systems are provided for locally freezing a user account in a geographic or digital space. Consistent with disclosed embodiments, locally freezing a user account in a geographic or digital space includes receiving fraud data associated with the user account, the fraud data including a location where a fraud associated with the user account has occurred, wherein the fraud location includes at least one of a digital location or a geographical location; receiving account data associated with the user account, the account data including non-fraudulent account transaction information; generating a pattern of fraud based on the fraud data; generating a pattern of use associated with the user account based on the account data; determining a geodigital area for a localized account freeze based on the pattern of fraud and the pattern of use; and performing a localized account freeze on the user account based on the determined geodigital area.
    Type: Application
    Filed: April 8, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Jeremy GOODSITT, Vincent PHAM, Fardin Abdi Taghi ABAD, Austin WALTERS
  • Publication number: 20210319445
    Abstract: A system and method for securely transferring funds is disclosed herein. A computing system receives a request to transfer funds from a first account associated with the transferor to a second account associated with the transferee. The computing system identifies one or more constraints specified in the request that are associated with the funds. The computing system stores the funds as reserved funds in the second accounts associated with the transferee. The computing system receives, from a third-party vendor, a transaction request for verifying a transaction between the transferee and the third-party vendor. The computing system identifies one or more parameters associated with the transaction request. The computing system determines that the one or more parameters associated with the transaction request are in accordance with the one or more rules related to use of the funds. The computing system grants the transaction request based on the determining.
    Type: Application
    Filed: April 8, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Salik Shah
  • Publication number: 20210320915
    Abstract: Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.
    Type: Application
    Filed: September 2, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Matt Davis, Pranav Khanna, Paul Melby
  • Publication number: 20210319437
    Abstract: A computer-implemented method for anonymizing online transaction details may include performing a process to generate an identifier (ID) and reference address for a user, and receiving a request for transaction processing from an e-commerce server. The request may include first data including: information associated with a purchase of a product to be delivered to the user; the identifier; and the reference address. The method may further include: in response to the request, determining whether the ID and reference address are included in the request, and if so, obtaining the accurate address and shipping rate rules; applying, based on the first data and the accurate address, the shipping rate rules to determine accurate shipping rate cost information associated with delivering the product to the accurate address; performing an anonymizing process on the accurate information to obtain anonymous shipping rate information, and transmitting the anonymous shipping rate information to the e-commerce server.
    Type: Application
    Filed: April 13, 2020
    Publication date: October 14, 2021
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Kyle JOHNSON, Michael MOSSOBA, Abdelkader BENKREIRA, Robert PERRY, Austen NOVIS, Max MIRACOLO, Natasha MITCHKO
  • Publication number: 20210319427
    Abstract: Systems, methods, articles of manufacture, and computer-readable media for determining specific terms to activate a contactless card. An application executing on a server may receive a request from a device specifying a uniform resource locator comprising encrypted data, the encrypted data based at least in part on a private key assigned to a contactless card. The application may decrypt the encrypted data and determine a type of the contactless card. The application may determine a plurality of terms associated with the type of the contactless card and transmit the terms to a web browser on the device. The application may receive, from the web browser, an indication specifying acceptance of the plurality of terms. The application may store, based on the decryption of the encrypted data and the received indication specifying acceptance of the terms, an indication in a database specifying the contactless card is activated for use.
    Type: Application
    Filed: April 13, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Marisa THOMAS, Amy APPONYI
  • Publication number: 20210319004
    Abstract: Various embodiments are generally directed to techniques for creating and utilizing multidimensional embedding spaces for data objects, such as to condition the data for input to a neural network, for instance. Some embodiments are particularly directed to converting semi-structured data, such as a set of data objects, into object vector sets mapped to a multidimensional embedding space. In many embodiments, an embedding space for a set of data objects may be customized with a set of dimensions that correspond to various characteristics of the set of data objects. These and other embodiments are described and claimed.
    Type: Application
    Filed: April 9, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Mark Louis WATSON, Jeremy Edward GOODSITT, Anh TRUONG, Reza FARIVAR
  • Publication number: 20210319105
    Abstract: A computer-implemented method for detecting a code injection threat may include: performing a search process on a memory of a computer system to identify property list files; in response to an identification of a property list file, retrieving the property list file; performing an analysis process on the property list file to identify a target identifier; in response to an identification of the target identifier in the property list file, determining whether the target identifier corresponds to an electronic application stored in the memory of the computer system; in response to determining that the target identifier corresponds to the electronic application, determining that the property list file is indicative of a code injection threat to the electronic application; and in response to the determination that the property list file is indicative of a code injection threat to the electronic application, performing a security action based on the property list.
    Type: Application
    Filed: April 13, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventor: Jon WHITMORE
  • Publication number: 20210319355
    Abstract: Techniques and apparatus for an interactive element presentation process are described. In one embodiment, for example, an apparatus may include logic operative to store a plurality of model specifications for computational models, monitor the object storage service for at least one model event using a first serverless computing service, provide the plurality of model specifications associated with the at least one model event to one of a plurality of serverless computing clusters, generate model data for each of the plurality of model specifications, store the model data for each of the plurality of computational models in the object storage service, monitor the object storage service for at least one data event associated with the model data using a second serverless computing service, cause the plurality of instances to generate a plurality of trained model specifications based on training of the plurality of computational models. Other embodiments are described.
    Type: Application
    Filed: April 10, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Karthick ABIRAMAN, Bing LIU, Saranya THANGARAJ, Paul Ponce PORTUGAL, Sang Jin PARK
  • Publication number: 20210318864
    Abstract: Described herein are embodiments for managing comments in a program code file. A system may select program code and compile it to an intermediary code. The system may compare the intermediary code to a library of intermediary code snippets associated with comments. Based on the comparison, a system may recognize the code to be obsolete. In some embodiments, a system may generate one or more recommendations to update a code. Based on received feedback regarding a recommendation, a system may accordingly update a code.
    Type: Application
    Filed: April 9, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Reza FARIVAR, Kenneth TAYLOR, Austin Grant WALTERS, Fardin ABDI TAGHI ABAD, Anh TRUONG, Vincent PHAM, Jeremy Edward GOODSITT
  • Publication number: 20210319176
    Abstract: A system and method of operating a system for automatically punctuating text using non-recurrent neural networks is disclosed. The system and method at least: applying a text string to a first component of a non-recurrent neural network trained to generate one or more contextualized vectors, wherein the first component determines the contextualized vectors by processing each word in the text string in parallel with one another; applying the contextualized vectors to a second component of the non-recurrent neural network trained to generate a set of probability values for each word in the text string, wherein the second component determines the set of probability values by processing the contextualized vectors in parallel with one another; and transmitting the set of probability values to a text generation engine to generate a formatted text string based on the set of probability values.
    Type: Application
    Filed: September 24, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Maury COURTLAND, Adam FAULKNER, Gayle McELVAIN
  • Publication number: 20210319170
    Abstract: A system and method for dynamically updating a document having a plurality of modifiable fields are disclosed herein. The document receives one or more inputs for one or more fields contained in the document. The macro processor parses the one or more fields to identify the one or more inputs contained therein. The macro processor compares the one or more inputs to one or more rules defined in a macro associated with the document. Based on the comparing, the macro processor modifies the document to include a subset of modifiable fields. The macro processor generates an updated document that includes the subset of modifiable fields. A computing system presents the updated document to an end user for modification.
    Type: Application
    Filed: April 9, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventor: Robert W. Hebert
  • Publication number: 20210318865
    Abstract: Described herein are embodiments for managing comments in a program code file. A system may select program code and compile it to an intermediary code. The system may compare the intermediary code to a library of intermediary code snippets associated with comments. Based on the comparison, a system may recognize the code to be obsolete. In some embodiments, a system may generate one or more recommendations to update a code. Based on received feedback regarding a recommendation, a system may accordingly update a code.
    Type: Application
    Filed: April 9, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Reza FARIVAR, Kenneth TAYLOR, Austin Grant WALTERS, Fardin ABDI TAGHI ABAD, Anh TRUONG, Vincent PHAM, Jeremy Edward GOODSITT
  • Publication number: 20210318991
    Abstract: Disclosed are systems, apparatuses and techniques for replicating data between different cloud computing platforms. Examples include storage replicator components operable in different cloud computing platforms. The first storage replicator component may identify the second cloud computing platform as a location to copy a data file in response to an event related to the data file stored in a first cloud computing platform. The first storage replicator component may request a copy of the data file via an application programming interface of the first cloud computing platform. The attributes of the copy of the data file which involve modification to conform to data management conventions of the second cloud computing platform may be determined and modified to comply with conventions of the second cloud computing platform. The modified copy of the data file may be forwarded to the second cloud computing platform for storage.
    Type: Application
    Filed: June 23, 2021
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventors: Timothy HAGGERTY, Steven LONG, Deepa RAO, Eric HENRY, Yuting ZHOU
  • Publication number: 20210319095
    Abstract: A computer-implemented method for detecting a security status of a computer system may include: in response to satisfaction of a predetermined trigger condition associated with an electronic application installed on a memory of the computer system, performing a security check process on the computer system; in response to the security check process determining that a security status of the computer system is currently compromised, performing a first security action; and in response to the security check process determining that the security status is formerly compromised, performing a second security action.
    Type: Application
    Filed: April 13, 2020
    Publication date: October 14, 2021
    Applicant: Capital One Services, LLC
    Inventor: Jon WHITMORE
  • Patent number: 11144910
    Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.
    Type: Grant
    Filed: February 14, 2020
    Date of Patent: October 12, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Vu Nguyen, David Gabriele, Jonatan Yucra Rodriguez, Adam Vukich, Abdelkader Benkreira, Joshua Edwards
  • Patent number: 11146548
    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: Grant
    Filed: October 1, 2019
    Date of Patent: October 12, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Vincent Pham, Reza Farivar, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad, Anh Truong, Kate Key, Austin Grant Walters
  • Patent number: 11144807
    Abstract: In some embodiments, a product includes a card having a front face, a back face and a payment-enabling mechanism, where the front face is opposite to the back face. Account information is disposed on the front face, the back face, or both, in a tactile writing system, as well as one or more card identification texture strips. The one or more card identification texture strips each comprise at least one region having a texture pattern different from a base texture of the card, where the texture pattern comprises a roughness texture pattern, and where the texture pattern is unique to an issuer of the card.
    Type: Grant
    Filed: October 10, 2019
    Date of Patent: October 12, 2021
    Assignee: Capital One Services, LLC
    Inventor: Eldon Harmon
  • Patent number: 11144935
    Abstract: A method is disclosed, comprising: aggregating a plurality of sets of transactions, each set of transactions comprising transactions related to an account-merchant pairing; determining variables characterizing a recurrence period based on transaction dates of the transactions in the each set; predicting the recurrence period for a transaction related to the account-merchant pairing for each customer of the plurality of customers; aggregating another set of transactions between the plurality of customers and the merchant; evaluating a distribution of the recurrence period for each customer within range of a distant point; and based on the evaluation of the distribution of the recurrence period for each customer, generating a probability of the merchant having a recurrent transaction with the customer. The account-merchant pairing may comprise a customer account and a merchant of a plurality of customers and merchants.
    Type: Grant
    Filed: October 18, 2019
    Date of Patent: October 12, 2021
    Assignee: Capital One Services, LLC
    Inventors: Daniel Jumper, Jeremy Gerstle, Olufemi Anthony, Jonathan Boroumand, Erik Virbitsky, Michael Walters, Aniver Bosede
  • Patent number: D933125
    Type: Grant
    Filed: September 25, 2019
    Date of Patent: October 12, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Brian R. Mills, Carl Pierce
  • Patent number: D933127
    Type: Grant
    Filed: February 24, 2020
    Date of Patent: October 12, 2021
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Carl Cepress