Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 10803731
    Abstract: A first device may determine to activate a location detection mode of a second device. The location detection mode may be related to locating the second device. The second device may not be within a short-range communicative proximity of a wireless transceiver component of the first device. The first device may select a user device, of a plurality of user devices, via which to cause the second device to activate the location detection mode. The first device may provide, via the user device, a set of instructions to cause the second device to activate the location detection mode. The first device may perform one or more other actions related to locating the second device after providing the set of instructions.
    Type: Grant
    Filed: August 27, 2018
    Date of Patent: October 13, 2020
    Assignee: Capital One Services, LLC
    Inventors: Venkata Mandali, Arunkumar Natarajan
  • Patent number: 10803301
    Abstract: In one aspect, the present disclosure relates to a method for detecting fraud in image recognition systems, the method including receiving one or more input images from a device associated with a user, the one or more input images comprising a face associated with the user; identifying the face in the one or more input images with a computer vision technique; analyzing the one or more input images using a first neural network trained to recognize the user's face; analyzing the one or more input images using a second neural network trained to detect fraudulent images; determining whether the image is fraudulent or non-fraudulent; granting access to the user if the first neural network recognizes the user's face and the image is determined to be non-fraudulent; and preventing access to the user if the first neural network cannot recognize the user's face or the image is determined to be fraudulent.
    Type: Grant
    Filed: August 2, 2019
    Date of Patent: October 13, 2020
    Assignee: Capital One Services, LLC
    Inventors: Reza Farivar, Austin Walters, Jeremy Goodsitt, Fardin Abdi Taghi Abad, Vincent Pham, Mark Watson, Kenneth Edward Taylor
  • Patent number: 10805083
    Abstract: Aspects of this disclosure relate to authenticating a communication session. In some variations, a secured hardware storage area may be utilized to store at least one key credential. A communication session may be established from an enterprise associated application. To verify the authenticity of the communication session, a customer system and a host enterprise system may exchange a token. The token which may be signed with a key credential to validate a communication session. Additional validation data may be exchanged between operators of the customer system and a host enterprise system.
    Type: Grant
    Filed: September 4, 2019
    Date of Patent: October 13, 2020
    Assignee: Capital One Services, LLC
    Inventors: Fardin Abdi Taghi Abad, Jeremy Goodsitt, Vincent Pham, Anh Truong, Austin Walters
  • Patent number: 10803453
    Abstract: An exemplary system, method and computer accessible medium can include receiving an authorization token related to a customer(s), determining a client identification (ID) associated with the customer(s) based on the authorization token, and determining access to a microservices(s) based on the client ID. An application for a loan(s) from the customer (s) can be received based on the client ID and the loan(s) can be associated with an application ID(s). A further authorization token related to a further customer(s) can be received, a further client ID can be determined based on the further authorization token, a determination can be made as to whether the further client ID has access to the application, and access to the application can be granted to the further customer(s) if the further client ID is determined to have access to the application.
    Type: Grant
    Filed: November 19, 2019
    Date of Patent: October 13, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Satish Kesiboyana, Nag Prajval Bindumalyam Chandrashekar, David Gillam, Suresh Pandey, Hala Eli-Ali, Pedro Betancourt
  • Publication number: 20200320361
    Abstract: Techniques to improve detection and security of images, including formation and detection of matrix-based images. Some techniques include logic to process image data, generate one or more colorspaces associated with that data, and perform colorspace conversions based on the generated colorspace. The logic may be further configured to generate an image based on the colorspace conversions, including but not limited to a matrix bar code. The logic may be further configured to apply one or both of an ultraviolet layer and an infrared layer to the image, e.g. matrix barcode, generated from the colorspace conversion(s). Other embodiments are described and claimed.
    Type: Application
    Filed: June 22, 2020
    Publication date: October 8, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD
  • Publication number: 20200320502
    Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
    Type: Application
    Filed: June 24, 2020
    Publication date: October 8, 2020
    Applicant: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20200320360
    Abstract: Techniques to improve detection and security of images, including formation and detection of matrix-based images. Some techniques include logic to process image data, generate one or more colorspaces associated with that data, and perform colorspace conversions based on the generated colorspace. The logic may be further configured to generate an image based on the colorspace conversions, including but not limited to a matrix bar code. The logic may be further configured to apply one or both of an ultraviolet layer and an infrared layer to the image, e.g. matrix barcode, generated from the colorspace conversion(s). Other embodiments are described and claimed.
    Type: Application
    Filed: June 19, 2020
    Publication date: October 8, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD
  • Publication number: 20200320264
    Abstract: Techniques to improve detection and security of images, including formation and detection of matrix-based images. Some techniques include logic to process image data, generate one or more colorspaces associated with that data, and perform colorspace conversions based on the generated colorspace. The logic may be further configured to generate an image based on the colorspace conversions, including but not limited to a matrix bar code. The logic may be further configured to apply one or both of an ultraviolet layer and an infrared layer to the image, e.g. matrix barcode, generated from the colorspace conversion(s). Other embodiments are described and claimed.
    Type: Application
    Filed: June 19, 2020
    Publication date: October 8, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD
  • Publication number: 20200320616
    Abstract: Systems and methods for monitoring accounts are disclosed. For example, a system may include one or more memory units storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving account data and account-engagement data associated with an account. The account engagement data may include data related to actions a user performs on a user device, the actions being associated with the account. The operations may include training a user event-model based on a relationship between the account data and account-engagement data. The operations may include receiving additional account data associated with the account and identifying, using the user event-model, a triggering event instance based on the additional account data. The operations may include transmitting a notification based on the triggering event instance.
    Type: Application
    Filed: April 4, 2019
    Publication date: October 8, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
  • Publication number: 20200320611
    Abstract: Computer-implemented methods, computer systems, and computer readable media for determining, sorting, or determining and sorting a set of items. The method includes receiving, via a user device, parameter values from a user and receiving parameter weights. The method further includes determining a sort score for each vehicle of a set of vehicles based on the received parameter values and parameter weights, and sorting the set of vehicles based on the sort score of each vehicle of the set of vehicles.
    Type: Application
    Filed: June 23, 2020
    Publication date: October 8, 2020
    Applicant: Capital One Services, LLC
    Inventors: Micah PRICE, Qiaochu TANG, Jason HOOVER, Avid GHAMSARI, Geoffrey DAGLEY
  • Patent number: 10796122
    Abstract: Techniques to improve detection and security of images, including formation and detection of matrix-based images. Some techniques include detecting a matrix-based image that is optimized for detection in a particular environment. The matrix-based image may be a matrix bar code. The matrix bar code may include a plurality of non-black and non-white colors, where each one of the plurality of non-black and non-white colors are at least one of an absent color in relation to the environment and a least prevalent color associated with the environment.
    Type: Grant
    Filed: November 20, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad
  • Patent number: 10795805
    Abstract: A flexible, adaptive performance test platform allows a test developer to customize performance tests to more realistically determine the impact of network behavior on a system under test. The test platform may be accessed through the use of a Graphic User Interface (GUI) by all developers within an enterprise to generate and execute performance tests prior to release of new systems by the enterprise. In one aspect, the test platform enables developers to share performance tests, thereby leveraging existing work product to reduce the overall system development time. In another aspect, the test platform enables developers to customize performance tests, providing the flexibility to easily specify a duration, scale, geography and/or resource for the test. In another aspect, the test platform enables developers to customize and monitor one or more metrics in accordance with the particular performance goals of the SUT, to enable a developer to more easily identify system issues.
    Type: Grant
    Filed: June 3, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Sashi Kandru, Navin Yadav, Joshua McNeil
  • Patent number: 10794715
    Abstract: Systems and methods for route mapping with familiar routes include striking a balance between optimal routes from standard navigation systems minimizing time and distance and a mapping component that suggests familiar routes based on a user's route history. New routes including one or more familiar routes may be suggested to the user when they are not too far out of the way or take too long compared to the optimal routes and when they may be preferable or more comfortable.
    Type: Grant
    Filed: July 16, 2019
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Anh Truong, Vincent Pham, Jeremy Goodsitt, Austin Walters, Mark Watson
  • Patent number: 10795984
    Abstract: Methods and systems disclosed herein describe using machine learning to lock and unlock a device. Machine learning may be trained to recognize one or more features. Once the device has been trained to recognize one or more features, a user may define an unlock condition for the device using the one or more trained features. After defining the unlock condition, the device may be locked by verifying the one or more features that the user defined as the unlock condition using machine learning. When verification is successful, the device may be unlocked and the user allowed to access the device.
    Type: Grant
    Filed: November 1, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Galen Rafferty, Mark Watson, Jeremy Goodsitt, Anh Truong, Austin Walters, Vincent Pham
  • Patent number: 10795527
    Abstract: Systems and methods involving processing and/or mirroring data in real time between one or more mobile devices and a plurality of near field communication (NFC) connected interactive posters are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: connecting a user mobile computing device to a server as well as coupling the device to a plurality of interactive posters via NFC; receiving user selections made on the interactive posters; processing content data related to the posters based on the user selections and/or other information; generating a GUI comprising interactive simulations corresponding to respective posters and/or statistics related to selections made on the posters; tracking, in real time, a specific experience of a user interacting with the posters; and transmitting, in real-time, data regarding the specific experience to the server.
    Type: Grant
    Filed: July 31, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Amanda Harrington Legge, Sunil Shah, Michael Ramos
  • Patent number: 10796214
    Abstract: A transaction card may comprise a first card component having an electrically conductive surface configured to receive an electrically applied coating. An electrically applied coating may be formed on the electrically conductive surface. The transaction card may be manufactured by forming a first card component having an electrically conductive surface configured to receive an electrically applied coating. The method may also include applying an electrically applied coating to the electrically conductive surface.
    Type: Grant
    Filed: October 25, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventor: Om J Suthar
  • Patent number: 10795870
    Abstract: The disclosure is directed to systems to validate fields of a data file. A data file comprising name-value pairs can be validated. Allowed ones of the name-value pairs can be identified. A redacted data file comprising indications of the identified allowed ones of the name-value pairs but not ones of the name-value pairs not identified as allowed can be generated. The redacted data file can be sent to a data storage device.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventor: Kirankumar Kulkarni
  • Patent number: 10796290
    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. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.
    Type: Grant
    Filed: July 31, 2017
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Drew Jacobs, Justin Wishne, Karen Nickerson, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
  • Patent number: 10796355
    Abstract: One or more embodiments are generally directed to techniques to provide specific vehicle recommendations. Various techniques, methods, systems, and apparatuses include utilizing user web-traffic and/or one or more tags generated by application of a machine learning model to a data source, where the data source may include language with respect to one or more automobiles or vehicles, to provide a recommendation for a particular automobile.
    Type: Grant
    Filed: December 27, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Micah Price, Qiaochu Tang, Jason Hoover, Geoffrey Dagley, Avid Ghamsari
  • Patent number: 10795975
    Abstract: A node, of a network of nodes with access to a distributed ledger, receives a request to verify the user has consented to a current version of terms (i.e., current terms) associated with a program. The node obtains, using the distributed ledger, historical consent data indicating a version of the terms to which the user has previously provided consent. The node performs a first verification procedure to determine the user has not consented to the current terms, provides an indication to a user device that the user has not consented to the current terms, and receives, from the user device, a message indicating an acceptance of the current terms. The node performs additional verification procedures to determine that the user is who consented to the current terms and updates the distributed ledger to include a record indicating that the user consented to the current terms.
    Type: Grant
    Filed: June 14, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Abdelkadar M'Hamed Benkreira, Mykhaylo Bulgakov, Joshua Edwards, William Carroll