Patents Assigned to CAPITAL ONE SERVICES, LLC
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Patent number: 11354648Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.Type: GrantFiled: March 9, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Rajko Ilincic, Sarah J. Cunningham, James Zarakas, William F. Carroll, George Bergeron
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Publication number: 20220172283Abstract: 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: ApplicationFiled: February 15, 2022Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Joshua EDWARDS, Michael MOSSOBA, Abdelkader BENKREIRA
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Publication number: 20220171799Abstract: Disclosed are examples of a system, techniques and non-transitory computer-readable storage medium that enable the selection of a response document template for generating an appropriate response to notification document. Respective components may generate an electronic document from the notification document. A common theme between two or more of the electronic documents may be identified. The electronic documents identified as having the common theme may be grouped in a notification document corpus. The notification document corpus may be analyzed with reference to received notification documents stored in a document repository. Based on results of the analysis, a template of a notification response document appropriate for responding to a specific notification document received by the enterprise may be selected. The selected response document template may be forwarded to a client device for further processing.Type: ApplicationFiled: February 17, 2022Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Joerg RINGS, William Thomas ROMANO, Andre GATORANO
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Publication number: 20220172270Abstract: Methods and systems are disclosed for providing a vehicle suggestion to a user based on image analysis. The method may include: receiving one or more vehicle images via website data associated with the user; identifying one or more first-level traits from the one or more vehicle images; obtaining one or more vehicle identifications from the one or more vehicle images based on the one or more first-level traits; determining a value of each of the one or more first-level traits and/or the one or more vehicle identifications via one or more algorithms; determining the vehicle suggestion based on the value of each of the one or more first-level traits and/or the one or more vehicle identifications; and transmitting, to a device associated with the user, a notification indicating the vehicle suggestion.Type: ApplicationFiled: December 1, 2020Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Michelle EMAMDIE, Qiaochu TANG, Jiaxin GUO, Derek BUMPAS, Jeremy HUANG
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Publication number: 20220172049Abstract: The present disclosure provides systems and methods for synthetic data generation. A recurrent neural network can be trained for synthetic data generation by obtaining a sequence of elements and determining, using a classifier, that the sequence corresponds to a token. In response to the determination, a recurrent neural network configured to use a first vocabulary including the elements can be modified to use a second vocabulary, the second vocabulary including the token and the first vocabulary. The modified recurrent neural network can be trained using the token and the sequence of elements. The trained recurrent neural network can be used to generate synthetic data. A classifier can detect sequences of elements in the synthetic data corresponding to tokens. The tokens can replace the sequences of elements in the generated synthetic data and can be provided to the trained recurrent neural network to continue synthetic data generation.Type: ApplicationFiled: November 5, 2021Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: ANH TRUONG, Austin WALTERS, Jeremy GOODSITT
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Publication number: 20220171770Abstract: Methods, media and systems for providing search results are disclosed. A data set is received at a computing device of a first party from a client device associated with a second party. The data set is constructed based on a set of rules established by the second party, where one portion is inaccessible to the first party, while another portion is accessible to the first party. The accessible portion includes at least an information tag or a threshold value related to corresponding fields in the records. A set of records to be queried is eliminated based on at least one information tag or at least one threshold value. The remainder is searched at the computing device of the first party resulting in a set of search results. At least a portion of the search results are transmitted from the computing device of the first party to the second party.Type: ApplicationFiled: November 30, 2020Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Jacob CREECH, David GILLAM, Alex BAIRD, Eduardo Alberto Gonzalez GARCIA
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Publication number: 20220172273Abstract: 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: ApplicationFiled: February 17, 2022Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Micah PRICE, Qiaochu TANG, Jason HOOVER, Geoffrey DAGLEY, Avid GHAMSARI
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Publication number: 20220172123Abstract: An exemplary embodiment of a computer-implemented method of identifying one or more products that correspond to product features of interest to a user may include: receiving an at least partially freeform or sketched illustration of a product from a user device associated with a user; determining at least one feature of the product depicted in the illustration by employing a machine-learning model trained, using (i) at least partially freeform or sketched illustrations from various users depicting products in a same product category as the product and (ii) feature labels assigned to the illustrations, to output one or more features of a depicted product in the product category in an input illustration; generating a search query based on the determined at least one feature; identifying at least one product in an inventory that corresponds to the search query; and providing information associated with the at least one identified product to the user device.Type: ApplicationFiled: November 30, 2020Publication date: June 2, 2022Applicant: Capital One Services, LLCInventors: Chih-Hsiang CHOW, Steven DANG, Elizabeth FURLAN
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Patent number: 11347855Abstract: A device may log update information associated with an operation, wherein the update information identifies one or more changes made to the dataset during the operation and a source of the operation. The device may identify, based on identification information associated with the dataset, a lineage record identifier associated with the dataset. The device may generate a lineage record associated with the operation, wherein the lineage record includes the lineage record identifier and the update information. The device may send a request for validation to an authorized node to validate the lineage record, wherein the authorized node is authorized to access the dataset. The device may store, based on the lineage record being validated by the authorized node, the lineage record in a distributed ledger, wherein the distributed ledger is accessible to a plurality of nodes to enable the plurality of nodes to access the update information.Type: GrantFiled: December 9, 2019Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Anindya Misra, Harshit Krishna
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Patent number: 11348143Abstract: Systems, methods, and computer program products to transmit, by a web browser to a web server, a hypertext transfer protocol request for a web page at a first uniform resource identifier (URI). The web browser may receive, from the web server via, the web page and metadata of a plurality of candidate advertisements, the plurality of candidate advertisements determined based on a master machine learning (ML) model. A client ML model executing in the web browser may process the received metadata, the client ML model trained based on prior interactions between one or more users of the web browser and a plurality of previously displayed advertisements. The client ML model may determine based on the processing, a first candidate advertisement of the plurality of candidate advertisements to display in the web browser with the received web page.Type: GrantFiled: June 27, 2019Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Mark Louis Watson, Galen Rafferty, Austin Grant Walters, Jeremy Edward Goodsitt, Anh Truong, Vincent Pham
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Patent number: 11349519Abstract: A case may include a compartment configured to contain at least one card. The compartment may be open on a first side. Some embodiments may include an ejector disposed at least partially in the compartment and configured to eject the at least one card through the first side. In some embodiments, the ejector may include a slider configured to slide in a first direction from a second side of the compartment opposite the first side of the compartment towards the first side of the compartment. In some embodiments, the ejector may include an expander configured to expand in a first direction from a second side of the compartment opposite the first side of the compartment towards the first side of the compartment. Some embodiments of the case may include a spring wall configured to compress the at least one card within the compartment.Type: GrantFiled: March 13, 2020Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
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Patent number: 11348111Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: GrantFiled: November 9, 2018Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
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Systems and methods for inventory management using cryptographic authentication of contactless cards
Patent number: 11349667Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices for use in a tap and walk store are provided. In an example embodiment, the transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Disclosed systems allow a user to purchase items utilizing the disclosed transmitting device.Type: GrantFiled: April 30, 2020Date of Patent: May 31, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Kaitlin Newman, Rajko Ilincic -
Patent number: 11348171Abstract: Some examples, described herein, may include detecting a button press of a banking button on a remote control device associated with a media device. The banking button may be designated to access a financial institution. Some examples may include accessing a financial services platform based on detecting the button press. The financial services platform may be associated with the financial institution. Some examples may include providing account information, associated with a financial account of the financial institution, to the financial services platform. The account information, when provided, may cause the financial services platform to access the financial account. Some examples may include obtaining financial information, associated with the financial account, from the financial services platform. Some examples may include providing the financial information to the media device to enable the media device to present the financial information for display.Type: GrantFiled: August 9, 2019Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Michael Mossoba, Mark Rothbaum, Sarah J. Cunningham
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Patent number: 11347745Abstract: Systems, methods, and media for real-time processing of event-based streaming with NoSQL databases are provided. For example, disclosed embodiments may include receiving an event associated with an update to an entry in a first database. Also, disclose embodiments may include identifying; based on the event, relevant data in the first database associated with the update. Further, disclose embodiments may include generating a plurality of queries to the first database to request the identified relevant data. Disclose embodiments may also include receiving, in response to the plurality of queries, raw data from the first database. Additionally, disclose embodiments may include processing the raw data to be compatible with a second database. Disclose embodiments may also include storing the processed raw data in the second database. And, disclosed embodiments may include receiving data requests for the second database to distribute the processed data to at least one computer terminal.Type: GrantFiled: September 20, 2019Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Raveender Kommera, Nathan E. Gloier, Rajesh Sathraboina, Vairavelu Sathish Kumaran, Venu Meda, Jingjie Zhao
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Patent number: 11348052Abstract: The present disclosure provides aggregation of management and control of multiple cloud service accounts. The operating environment provides aggregation of notifications, support tickets, utilization status, and can provide an aggregated alert system for such information related to the cloud service accounts. A computing system can communicatively couple to multiple cloud service accounts and can receive notifications of issues and generate alerts accordingly.Type: GrantFiled: April 9, 2021Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventor: Shashi Chappidi
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Patent number: 11347990Abstract: Systems and methods involving biometric authentication of transaction cards including aspects of exception handling, deactivation and other features are disclosed. In one embodiment, an exemplary computer-implemented method may comprise generating a first user interface having one or more interactive UI elements that enable a card owner to manage a plurality of features associated with a transaction card, and determining, if a biometric-activated control is enabled and the vendor is not excluded from the biometric-activated control, whether the transaction card is biometrically-active. Further, the interactive UI elements may include elements such as a first UI element that is configured to allow the card owner to enable a biometric-activated control of the transaction card, and/or a second UI element that is configured to allow the card owner to exclude one or more vendors from the biometric-activated control.Type: GrantFiled: March 31, 2021Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventor: Michael Bailey
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Patent number: 11347720Abstract: Disclosed herein are various embodiments for a data transfer and resource management system. An embodiment operates by retrieving both data and a schema from a table. A first offset corresponding to the retrieved data indicating a retrieval time of the retrieved data and a number of records is identified. It is determined that the retrieved data corresponds to the schema. The data is stored on a messaging platform and made available to be pulled by one or more end users prior to a transfer to one or more cloud servers. A second offset corresponding to a number of records of the data retrieved by the one or more end users from the messaging platform is determined. It is validate that the second offset corresponds to the first offset. The records and the schema retrieved from the intermediary messaging platform are transferred to the one or more cloud servers.Type: GrantFiled: April 28, 2020Date of Patent: May 31, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Gurucharan Manadavadi Prakash, Madan Gumudavelly, Naga Chintala, Naga Venkata Sriram Vadakattu, Abhijit Chitnis, Sarvani Maddina
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Patent number: 11348113Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: GrantFiled: May 20, 2020Date of Patent: May 31, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Patent number: 11349664Abstract: Various embodiments are generally directed to provide a semi-local authentication scheme. A server can transmit one or more encryption mechanisms to a user device, which in turn can transmit the encrypted mechanisms to one or more secondary devices associated with the user device, where the user device and the secondary devices share a local connection. The secondary devices can transmit the one or more encrypted mechanism utilizing one or more one or more decryption mechanisms supplied by the server, and then transmit the result of the decryption, e.g. decrypted codes, back to the user device, which in turn can then transmit a final decrypted code or codes to the server. Upon confirming receipt of the decryption from the user device, the server can authorize access (via the user device) to one or more devices, networks, applications, and/or components.Type: GrantFiled: April 30, 2020Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Jeremy Edward Goodsitt, Austin Grant Walters, Vincent Pham, Reza Farivar