Patents Assigned to CAPITAL ONE SERVICES, LLC
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Patent number: 12235920Abstract: In some implementations, a web instance may receive an indication of an event associated with a uniform resource locator (URL) that includes a slug. The web instance may determine, using an indicator encoded in the slug, that the URL is associated with an action that is included in a concurrency control group. The web instance may communicate with a remote database to determine whether the concurrency control group is locked. The web instance may selectively trigger execution of the action based on whether the concurrency control group is locked.Type: GrantFiled: October 18, 2023Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Parag Jain, Michael Pruitt, Benjamin Lee Wolferman, Mohideen Peer, Paul Bradley Robb, Kevin Yafuso
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Patent number: 12235814Abstract: This disclosure generally relates to computer-based systems configured for one or more novel technological applications of information processing in the field of database resolution from an enhanced query data refinement in an elastic search environment utilizing a machine learning model pipeline to resolve entity records.Type: GrantFiled: March 13, 2024Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Ali S. Al-Shehab, Jr-Wei Jeng, Niti N. Sheth, Tanveer Afzal Faruquie, David Edward Lutz, Nathan L. Sheridan
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Patent number: 12236428Abstract: A method of performing a fund transfer at an ATM includes receiving an active authentication transaction key at an ATM from a mobile financial transaction instrument via a wireless communication protocol, generating a PIN at the ATM, and storing the PIN in a machine readable storage medium. An authorization request message is transmitted to a financial institution identified by the active authentication transaction key. The authorization request message includes the PIN and at least a portion of the active authentication transaction key. The PIN is received from a user of the mobile financial transaction instrument, and the funds are dispensed in response to receiving the PIN.Type: GrantFiled: December 4, 2023Date of Patent: February 25, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Rudolph Christian Wolfs, David Aaron Pinski
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Patent number: 12236467Abstract: Systems, methods, and computer readable media for vehicular search recommendations using machine learning. A computing model may receive a query for a vehicular recommendation. The model may be trained based on historical queries, webpages visited, and attributes of vehicles. The model may generate a decision tree comprising a plurality of paths for processing the query, the plurality of paths comprising a subset of a plurality of available paths for processing the query, each path associated with a plurality of search phases. The model may select, based on the decision tree, a first path of the plurality of paths for processing the query. The model may select, based on the first path, a first search phase of the plurality of search phases as corresponding to the query. The model may then return a search result corresponding to the first search phase as responsive to the query.Type: GrantFiled: March 24, 2021Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Elizabeth Furlan, Chih-Hsiang Chow, Steven Dang
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Patent number: 12236424Abstract: In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.Type: GrantFiled: May 2, 2023Date of Patent: February 25, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
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Patent number: 12236252Abstract: 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: GrantFiled: January 29, 2024Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Kush Patel, Gopi Kancharla, Venkatasudharsan Dasa
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Patent number: 12236677Abstract: A processing platform may receive a plurality of images. The processing platform may determine respective asset types of the plurality of assets based on a computer vision technique. The processing platform may determine respective estimated values of the plurality of assets based on the respective asset types. The processing platform may provide information identifying the respective estimated values of the plurality of assets to two or more recipients. The processing platform may receive allocation information. The processing platform may determine a selected allocation of the plurality of assets for the two or more recipients based on the allocation information and using a second model. The processing platform may perform one or more actions based on the selected allocation.Type: GrantFiled: February 8, 2021Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Sophie Bermudez, Alexandra Colevas, Michael Saia, Kaylyn Gibilterra, Sarah J. Cunningham, Salik Shah
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Patent number: 12236278Abstract: Methods, systems, and apparatuses for optimizing the configuration of virtual warehouses for execution of queries on one or more data warehouses are described herein. A plurality of different events associated with a data sharing platform may be logged. The data sharing platform may enable users to access one or more databases managed by the data sharing platform. The data sharing platform may be configured to provide access to the data stored by the data sharing platform via one or more of a plurality of virtual warehouses. A testing database may be generated. An optimized virtual warehouse configuration may be predicted for a first virtual warehouse by selecting a plurality of different warehouse configurations for the first virtual warehouse, measuring performance parameters of each of the plurality of different warehouse configurations by emulating, and selecting the optimized virtual warehouse configuration based on the performance parameters.Type: GrantFiled: February 1, 2022Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Syed Shamaz Salim, Ganesh Bharathan
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Patent number: 12236936Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of providing automated natural dialogue with a customer. The system may generate one or more events and commands temporarily stored in queues to be processed by one or more of a dialogue management device, an API server, and an NLP device. The dialogue management device may create adaptive responses to customer communications using a customer context, a rules-based platform, and a trained machine learning model.Type: GrantFiled: June 26, 2023Date of Patent: February 25, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Gregory W. Zoller, Scott Karp, Sujay Eliphaz Jacob, Erik Mueller, Stephanie Hay, Adam Roy Paynter
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Publication number: 20250061079Abstract: A non-transitory computer-readable storage medium may be executable by a processor to receive a designation of a message bus producer, a set of business logic to be stored in a set of containers, a designation of a message bus consumer, and a designation of a set of message-handling functions. The non-transitory computer-readable storage medium may generate a serverless application stack, based upon the message bus producer, the set of business logic, the message bus consumer, and the set of message-handling functions. The non-transitory computer-readable storage medium may cause the serverless application stack to receive a message stream from the message bus producer as streaming data, process the message stream according to at least one function, stored in the set of containers, perform at least one message-handling function of the set of message-handling functions on the message stream, and transport the set of messages to the message bus consumer.Type: ApplicationFiled: August 26, 2024Publication date: February 20, 2025Applicant: Capital One Services, LLCInventor: Maharshi JHA
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Publication number: 20250061325Abstract: Systems and methods for generating machine learning models based on panel data split along cross-sectional and time dimensions. The system may split panel data into a train, test, and validation dataset. The system may determine, based on the validation dataset, an out-of-time period and remove, data falling within the out-of-time period. Then, the system may remove, from the train dataset, data falling within the out-of-time period. The system may determine, based on the validation dataset, one or more time intervals and remove, data falling outside of the one or more time intervals. The validation dataset includes out-of-sample and out-of-time data with respect to the train dataset. The system may remove, from the train dataset, data falling within the one or more time intervals. The system may train a first machine learning model based on the train dataset, select model based on validation dataset, and test model performance on test dataset.Type: ApplicationFiled: August 14, 2023Publication date: February 20, 2025Applicant: Capital One Services, LLCInventors: Rongwen WU, Parmanand SAHU, Chandramouli BANERJEE, Yigit ALTINTAS, Hongfei DU
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Publication number: 20250061738Abstract: Described herein are method, system, and non-transitory computer-readable medium embodiments for capturing an image of a first object. A method can include determining that at least one image parameter value of the first object is within a threshold value based on an outline of the first object and at least one environmental feature. The environmental feature can include at least one of: an angle with respect to the first object and a camera, a distance between the first object and the camera, or a second object other than the first object in an image frame. The method can include triggering the camera to capture an image of the first object.Type: ApplicationFiled: November 4, 2024Publication date: February 20, 2025Applicant: Capital One Services, LLCInventors: Jason PRIBBLE, Daniel Alan JARVIS, Nicholas CAPURSO
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Patent number: 12229535Abstract: Embodiments disclose systems and methods for generating source code. One or more application specific inputs and one or more external inputs are received. Using a machine learning model, source code is automatically generated based on the one or more application specific inputs and the one or more external inputs. The source code can embody the one or more application specific inputs and the one or more external inputs. One or more revisions to the automatically generated source code may be made, and a difference determined between the generated source code and the revised source code. The machine learning model may be further trained to generate a future source code based on the differences it determines.Type: GrantFiled: April 3, 2023Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventor: Sunil Kaitha
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Patent number: 12231386Abstract: In some implementations, a storage optimization system may receive a plurality of emails. Accordingly, the system may identify at least one email associated with a limited capacity in the plurality of emails. The system may further scan, from the at least one email, one or more hyperlinks to determine a website associated with the at least one email and an identifier associated with an event. The system may determine, using a database, a traversal path and at least one application programming interface (API) call associated with the website. Accordingly, the system may traverse the website using the traversal path and the at least one API using the identifier to determine that the limited capacity is filled. The system may delete the at least one email associated with the limited capacity based on determining that the limited capacity is filled.Type: GrantFiled: August 14, 2023Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Lukiih Cuan, Michael Mossoba, Cruz Vargas, Lea Cody, Latika Gulati
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Patent number: 12229778Abstract: Systems and methods build blockchains and verify assets for smart contracts. A system includes a memory, a blockchain, a set of nodes, a set of verifiers, a set of miners, and a consensus protocol. The memory can have a block data structure representing a transaction for an asset having an identifier and at least one verifiable characteristic. The consensus protocol can include rules for: receiving the stake at risk from the verifiers, providing the reputational score to the verifiers, verifying the verifiable characteristic of the asset by the verifiers, cryptographic verification by the miners, adding the new block to the blockchain by the miners, providing the reward to the miners, and distributing the copy of the blockchain to each node.Type: GrantFiled: June 15, 2020Date of Patent: February 18, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Abdelkader Benkreira, Rajko Ilincic, William Carroll
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Patent number: 12231431Abstract: Systems as described herein may implement IP address whitelisting for signed Uniform Resource Locators (URLs). A computing device may receive, from a first user device, a first request to access a resource. The computing device may determine a first identifier of the first user device. After an authentication of the first user device, the computing device may generate a pre-signed URL indicating a location of the resource. The computing device may generate a signed URL by prefixing the pre-signed URL with the first identifier of the first user device. The computing device may receive a second request to access the resource. Based on comparing a second identifier corresponding to the second request with the first identifier in the signed URL, the computing device may grant or deny the second request access to the resource.Type: GrantFiled: June 10, 2022Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Hari Hara Sudhan Gnanaprakasam, Kimberly Russo, Sharath Kumar Sheshadri
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Patent number: 12231545Abstract: A key broker monitors network traffic metadata and determines which decryption keys are required at one or more packet brokers in order to decrypt relevant traffic required by various network monitoring devices. The key broker retrieves the required keys from a secure keystore distributes them, as needed, to the network packet brokers, and dynamically updates the decryption keys stored in the network packet brokers in response to changes in network traffic.Type: GrantFiled: October 20, 2022Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: John Watson, Christopher Roosenraad, Peter P. Kofira, Travis Scheponik, Aaron Eppert
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Patent number: 12230254Abstract: Various embodiments may be generally directed to the use of an adversarial learning framework for persona-based dialogue modeling. In some embodiments, automated multi-turn dialogue response generation may be performed using a persona-based hierarchical recurrent encoder-decoder-based generative adversarial network (phredGAN). Such a phredGAN may feature a persona-based hierarchical recurrent encoder-decoder (PHRED) generator and a conditional discriminator. In some embodiments, the conditional discriminator may include an adversarial discriminator that is provided with attribute representations as inputs. In some other embodiments, the conditional discriminator may include an attribute discriminator, and attribute representations may be handled as targets of the attribute discriminator. The embodiments are not limited in this context.Type: GrantFiled: June 1, 2023Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Oluwatobi Olabiyi, Alan Salimov, Anish Khazane, Erik Mueller
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Patent number: 12229231Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.Type: GrantFiled: January 9, 2024Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Viraj Chaudhary, David Septimus, Jenny Melendez, Samuel Rapowitz, Tyler Maiman, Joshua Edwards
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Patent number: 12229240Abstract: Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.Type: GrantFiled: November 16, 2023Date of Patent: February 18, 2025Assignee: Capital One Services, LLCInventors: Clayton Johnson, Daniel Tesser, Luis De La Rosa, Jeffrey Wieker