Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Publication number: 20240250820
    Abstract: Methods and systems are described herein for an access control system that may receive, from a device associated with a cryptography-based storage application, a blockchain operation request. The blockchain operation request may include an identifier of a cryptographic token (e.g., non-fungible token) that may store encrypted verification data encrypted using a public key associated with the cryptography-based storage application. The access control system may use an address associated with the cryptography-based storage application to send the verification data so that the verification data is decrypted and a first encoding of the decrypted data is generated by the device associated with the cryptography-based storage application. The access control system may then compare that first encoding with a second encoding made from the original verification data, and, based on the first encoding matching the second encoding, generate an authentication confirmation.
    Type: Application
    Filed: January 20, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Kevin OSBORN, Xiaoguang ZHU, Samuel RAPOWITZ
  • Publication number: 20240248955
    Abstract: Systems and methods for propagating labels through a sparsely labeled dataset using a supervised projection of a semantic embedding. The system may receive the dataset and a labeling task. It may determine a semantic graph by embedding the dataset using a language model. It may process the semantic graph in an artificial intelligence model, as well as determine: an optimal set of dimensions for the labeling task based on the semantic graph; a projected graph based on the optimal set of dimensions; a first distance between a first projection and a second projection in the projected graph; a first likelihood the first projection has a first label; and a second likelihood the first projection has a second label based in part on the first distance to the second projection. It may compare the first likelihood to the second likelihood and generate a recommendation to stop the labeling task.
    Type: Application
    Filed: January 23, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Gang MEI, Zhuqing ZHANG
  • Publication number: 20240248935
    Abstract: A computer-implemented method for template generation may include: receiving a first plurality of variables, each of the first plurality of variables specifying a feature to be implemented in a new template for document generation; for each of a plurality of existing templates for document generation, determining a degree of similarity between the first plurality of variables and a plurality of variables included in the respective existing template; upon determining that none of the degrees of similarity respectively determined for the plurality of existing templates satisfies a similarity threshold, determining that a combination of variables from two or more of the plurality of existing templates has a degree of similarity with the first plurality of variables satisfying the similarity threshold; and generating the new template based on the two or more of the plurality of existing templates.
    Type: Application
    Filed: March 6, 2024
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventor: Curtis HOLT
  • Publication number: 20240249098
    Abstract: Provided are approaches for providing card information in a highly secure and convenient manner. In some approaches, a transaction card may include a body having a first main side opposite a second main side, wherein a first outer layer extends along the first main side, and an internal layer adjacent the first outer layer, wherein one or more visual features are provided on the internal layer. The transaction card may further include a plurality of beads within a carrier, wherein the plurality of beads and the carrier are positioned between the internal layer and the first outer layer, wherein a force applied to the first main side of the body displaces one or more beads of the plurality of beads.
    Type: Application
    Filed: January 19, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Bryant YEE, Tyler MAIMAN, Kevin OSBORN
  • Publication number: 20240250806
    Abstract: The exemplary embodiments may provide a password-less user authentication mechanism that enables users to be authenticated for accessing an online service. The online service may be, for example, a website that provides a service. A user registers with the online service and then is given a private cryptographic key that is used to gain access to the online service. The exemplary embodiments enable the creation of subaccounts that are affiliated with an account. At least one offspring cryptographic key pair for user authentication may be generated for each subaccount. The offspring cryptographic key pairs are derived from the primary cryptographic key pair for user authentication that is associated with the account. The offspring key cryptographic key pairs are used to gain access to the online service via a subaccount. Each subaccount may have different modes of access. Each subaccount may have different authorizations relative to use of the online service.
    Type: Application
    Filed: January 23, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Kevin OSBORN, Cara WEIKEL
  • Publication number: 20240249107
    Abstract: Authentication card with integrated stitching. In some aspects, an authentication card for short range wireless communications with an entity-specific stitching design includes at least one card layer comprising a first and second portion. The first portion may include a plurality of apertures provided on the first portion and a thread may be inserted through the plurality of apertures to create a stitching design, where the stitching can be used to identify an associated entity. A microchip may be provided on the second portion of the at least one card layer, wherein the microchip is coupled with an antenna enabling authentication (e.g., contactless) by employing radio frequency identification (RFID) or near field communication (NFC).
    Type: Application
    Filed: January 19, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Bryant YEE, Tyler MAIMAN, Joshua EDWARDS
  • Publication number: 20240248810
    Abstract: The present disclosure relates to systems and methods for backing up a distributed database provided as a database instance across servers within a first geographic region. In one example, such a system may include at least one processor configured to: generate and transmit a command to duplicate the distributed database in object databases on first region servers; generate and transmit a command to duplicate the object databases on servers in at least a second geographic region independent from servers in the first region; and, when an error is detected with at least one server within the first region: generate and transmit a command to initiate a new distributed database on second region servers, generate and transmit a command to populate the new distributed database using the object databases on second region servers, and generate and transmit a command to re-route traffic from the distributed database to the new distributed database.
    Type: Application
    Filed: April 1, 2024
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Raveender KOMMERA, Nathan GLOIER, Raman GUPTA
  • Publication number: 20240249083
    Abstract: Systems and methods for improving training efficiency while reducing total labeling cost for downstream modeling using entropy scores for labeling predictions. The system may receive a first text string, process the first text string in an artificial intelligence model, and determine: a first likelihood that the first text string has a first label component; a second likelihood that the first text string has a second label component; a composite likelihood for the first text string based on the first likelihood and the second likelihood; and a first entropy score from the composite likelihood. It may compare the first entropy score to a first threshold entropy score and generate a recommendation to review a first label being assigned to the first text string.
    Type: Application
    Filed: January 23, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Gang MEI, Zhuqing ZHANG
  • Publication number: 20240249287
    Abstract: A system and method for detecting a recurring charge that is unknown to the customer and/or the result of fraud or deceit is disclosed. A customer complaint initiates an analysis of a particular transaction. In response to the complaint, information relating to the transaction is extracted and used to identify additional information from a variety of different sources. Such information may include information relating to the customer, information relating to the merchant, as well as information relating to past transactions or related transactions. This information is provided to a machine learning algorithm, both for training purposes and for analysis purposes. The machine learning algorithm analyzes a transaction in order to determine the likelihood that the transaction is a recurring transaction, as well as the likelihood that it is a result of a bad actor, fraud or deceit.
    Type: Application
    Filed: January 20, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey Carlyle WIEKER, Lawrence DOUGLAS, Marisa LEE
  • Publication number: 20240248956
    Abstract: Systems and methods for improving label quality in datasets using a quality filter based on a consistency score. The system may receive a first given label for a first text string. It may process the first text string in an artificial intelligence model, as well as determine: a first predicted label for the first text string; and a first consistency score for the first text string based on a comparison of the first predicted label and the first given label. The system may compare the first consistency score to a first threshold consistency score and, in response to comparing the first consistency score to the first threshold consistency score, filter the first text string to a first group. The system may generate a recommendation to use the first group for a supervised learning task.
    Type: Application
    Filed: January 23, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Gang MEI, Zhuqing Zhang
  • Publication number: 20240249723
    Abstract: Systems, methods, and computer-readable storage media for providing communication recommendations to users. The system receives electronic transcripts associated with a first user and generates, based on the transcripts, a communication profile of the user. The system also receives additional user transcripts associated with a plurality of additional users and generates additional communication profiles for those additional users based on the additional transcripts. The system receives a request to communicate with at least one user within the plurality of additional users regarding a specified topic, identifies a second user from within the plurality of additional users, and generates a communication initiation recommendation for the first user to communicate with the second user. The system then transmits the communication initiation recommendation to a first user computing device associated with the first user.
    Type: Application
    Filed: March 6, 2024
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Christopher CAMENARES, Joseph BOAYUE, Lee ADCOCK, Ana CRUZ, Nahid Farhady GHALATY
  • Publication number: 20240249317
    Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for targeting bid and position for a keyword. For instance, the method may include obtaining information about the keyword, the information about the keyword including observations of value with respect to position for the keyword. The method may further include applying a Gaussian Process Model on the observations to obtain a prediction function and associated uncertainties, the prediction function and the associated uncertainties relating positions to expected values; applying a Thompson sampling reinforcement learning model on the expected values and the positions to obtain a target position; and applying a bid model to the target position to obtain bid information for the keyword. The method may also include transmitting a bid message to a search engine, the bid message including the bid information.
    Type: Application
    Filed: April 4, 2024
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: James O. H. MONTGOMERY, Athanassios KINTSAKIS, Keegan HINES
  • Publication number: 20240248732
    Abstract: Disclosed are examples of systems, methods and techniques related to delivering a service widget that collects data and provides a service. A service widget is provided in response to a widget delivery request received from a user browser. The delivered service widget enables the user browser to request item-related services from an enterprise. A request for the item-related services is received by an enterprise from the delivered service widget. Provision of the service is enabled upon confirmation that an authentication token fetched from the client backend system is valid for the client backend system, the services request may be delivered to an enterprise server. The enterprise, in response to an analysis of the information related to the item available for purchase, may indicate that the item available for purchase meets a purchase threshold of the enterprise and provide an evaluation result including parameters of the item-related services.
    Type: Application
    Filed: January 29, 2024
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Kush PATEL, Gopi KANCHARLA, Venkatasudharsan DASA
  • Publication number: 20240249259
    Abstract: A method, a system, and a computer program product for executing transactions using contactless cards. A near-field communication (NFC) exchange is executed between a first device and a second device upon the first device being detected by the second device to be located within a predetermined distance of the second device. The first device is associated with an electronic deposit account capable of receiving an electronic transfer of funds. At least one identification data associated with the first device is received from the first device based on the NFC exchange and sent to a server. A response from the server is processed and includes an authentication data corresponding to the first device and associated with the sent identification data. A request for electronically transferring predetermined electronic funds to the electronic deposit account is received.
    Type: Application
    Filed: January 24, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventor: Benjamin Rappoport
  • Publication number: 20240249343
    Abstract: Systems and methods are provided for purchasing merchandise items at a desired purchase price. In accordance with certain embodiments, systems and methods are provided for specifying a desired purchase price for a merchandise item. Embodiments of the present disclosure may also provide systems and methods for completing purchases of the merchandise item when the purchase price of the merchandise item is less than or equal to the desired purchase price. Other embodiments of the present disclosure may also provide systems and methods to determine and/or adjust the purchase price for a merchandise item and notify the customer when the adjusted purchase price is less than or equal to the desired purchase price.
    Type: Application
    Filed: April 1, 2024
    Publication date: July 25, 2024
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Thomas Poole, Kaleen Love
  • Publication number: 20240250971
    Abstract: Methods and systems disclosed herein may detect a malicious user by scanning the messaging platform with the members for any malicious content using sentiment detection. Sentiment detection may be performed using a machine learning model or another type of sentiment detection. For example, the machine learning model may detect a malicious comment and then determine whether the user is malicious using a variety of behavior patterns. For example, the machine learning model may use factors like reactions from the community, sentiment analysis, and the number of posts to determine whether the user is malicious. By doing so, the system is able to search constantly for users that may be malicious.
    Type: Application
    Filed: January 25, 2023
    Publication date: July 25, 2024
    Applicant: Capital One Services, LLC
    Inventors: Samuel RAPOWITZ, Michael MOSSOBA, Dennis LIU, Austin ERICKSON
  • Patent number: 12045216
    Abstract: Techniques for data quality analysis may include the determination of data quality metrics using reconfigurable quality components. Access to the data may be based on the determined quality metrics. The configurable quality components may determine quality metrics for corresponding datasets. The quality components may be configured automatically based on quality configurations. The configuration of the quality components may be facilitated using a data orchestrator.
    Type: Grant
    Filed: October 19, 2022
    Date of Patent: July 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Lance Creath, Jason Kabel, Ming Yuan
  • Patent number: 12043210
    Abstract: In some implementations, a system may receive an access request associated with an agent and the vehicle. The system may authenticate, based on an agent identification associated with the agent, the agent in association with providing the vehicle service. The system may send, based on authenticating the agent, an authorization request to a user associated with the vehicle, wherein the authorization request is sent to a user device associated with the user that enables the user to authorize the agent to access the vehicle in association with providing the vehicle service. The system may receive, from the user device, a user authorization that authorizes the agent to access the vehicle. The system may configure the vehicle to enable the agent to access the vehicle via a client device associated with the agent.
    Type: Grant
    Filed: May 26, 2023
    Date of Patent: July 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Avid Ghamsari, Micah Price, Qiaochu Tang, Geoffrey Dagley
  • Patent number: 12045127
    Abstract: Disclosed are hardware and techniques for correcting computer process faults by identifying risk associated with correcting a computer process fault and computer processes that may depend on the corrected computer process. The interdependent computer processes in a network may be determined by evaluating a stream of process break flags from a monitoring component coupled to the network. Each computer process break flag in the stream of computer process break flags indicates a process fault detected by the monitoring component and is correlated to a corrective response. The break flag and the corrective response are assigned a risk. A risk matrix accounts for interdependencies between computer processes and identified corrective actions. A final response strategy that corrects the computer process faults is determined using the assigned risk and computer system interdependence.
    Type: Grant
    Filed: January 23, 2023
    Date of Patent: July 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Bhavik Gudka, Surya Avirneni, Eric Barnum, Milind Patel
  • Patent number: 12045808
    Abstract: Methods and systems for providing browser extension are disclosed. In some embodiments, the browser extension system includes a communication device in communication with a computing device and a networked system. The browser extension system also includes a processor configured to perform operations comprising: maintaining data associated with the computing device; detecting, through a browser extension application running on the computing device, a field in a web page associated with the networked system and provided by a web browser application running on the computing device; and in response to detecting the field: (i) automatically populating the field, through the browser extension application, with a secure token mapped to the data, (ii) detecting, through the browser extension application, a submission script associated with the web page, and (iii) automatically executing the submission script to submit the secure token through the browser extension application to the networked system.
    Type: Grant
    Filed: April 21, 2023
    Date of Patent: July 23, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew de Ganon, Thomas S. Poole, Paul Y. Moreton, Dwij Trivedi, Kunal Arora, Katherine H. McHugh