Patents Assigned to CAPITAL ONE SERVICES, LLC
  • 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: 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
  • 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: 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: 10796376
    Abstract: A server device may receive, from a first user device, a first set of information regarding a first accident involving a first vehicle, and from a second user device, a second set of information regarding a second accident involving a second vehicle. The first user device may relate to a first user associated with a first policy issued by a first policy provider. The second user device may relate to a second user associated with a second policy issued by a second policy provider. The server device may determine that the first accident corresponds to the second accident, obtain first policy data relating to the first policy, and second policy data relating to the second policy, and cause the first policy data to be provided to the second user device, and the second policy data to be provided to the first user device.
    Type: Grant
    Filed: August 2, 2018
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Zviad Aznaurashvili, Hannes Jouhikainen, Steve Blanchet, Timur Sherif
  • 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: 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: 10795913
    Abstract: Improvements enabling real-time or near-real-time synching of data of one region's DB with another region's DB, especially when server arrangements associated therewith do not allow multiple masters to access and write to their respective DBs. Further, the examples are directed to improvements enabling synching of data from one regional server arrangement to another and vice versa, without replicating a same write data redundantly back into the DB which had originally written such data.
    Type: Grant
    Filed: October 11, 2018
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Saurabh Gupte, Leandra Irvine
  • Patent number: 10796536
    Abstract: An automated teller machine (“ATM”) is described. The ATM can be provided with an interface area which includes a display unit and one or more sensors. The display unit can move relative to the interface area so that the display is better accessible for a user of the ATM. For example, the display can make translational or rotational movements, e.g., telescoping movements. The ATM can include a sensor which can detect an object, a location for the object and a distance from the object. Using this information, the ATM can move or guide the display in a direction which makes the display more accessible for the user.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Michael Bailey
  • Patent number: 10796380
    Abstract: An income analysis platform may receive information associated with employment-related activity of a user, wherein the employment-related activity is associated with an employment status of the user. The income analysis platform may analyze, using an employment analysis model, the information to determine the employment status of the user. The income analysis platform may determine, based on the information and using the employment analysis model, that there is a change in the employment status of the user. The income analysis platform may identify, based on the determined change in the employment status of the user, a service associated with a transaction account of the user. The income analysis platform may determine, based on the change in the employment status, that one or more terms of the service are to be adjusted. The income analysis platform may perform an action associated with adjusting the one or more terms of the service.
    Type: Grant
    Filed: January 30, 2020
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Patent number: 10796537
    Abstract: Systems and methods for ATM fraud detection are presented. ATM fraud detection may be provided in the context of including a currency sensor in the ATM to count currency notes. ATM fraud detection may be obtained by using a currency sensor, such as a scanner, to image and count any currency notes that remain after being dispensed to a user, and determining if the count is correct for the currency notes dispensed. A count discrepancy resulting from removal of some but not all dispensed currency notes would indicate attempted theft or fraud.
    Type: Grant
    Filed: November 19, 2019
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Reza Farivar, Kate Key, Anh Truong, Mark Watson, Vincent Pham, Fardin Abdi Taghi Abad, Austin Walters, Jeremy Goodsitt
  • Patent number: 10796251
    Abstract: A system and method for mobile social networking within a target area are provided. The method provides for mobile social networking. The method includes receiving a social networking profile, and a target area. The social networking profile has at least one user preference. The method also includes broadcasting the social networking profile to one or more members of the social network within the target area. The method further includes searching within the target area for the one or more members having a preference that is the same or similar to the at least one user preference. The method additionally includes enabling contact with the one or more members having the same or similar at least one user preference.
    Type: Grant
    Filed: May 9, 2019
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Frederick Joel Mason, Jr., Donald Jeffrey Smith
  • Patent number: 10796567
    Abstract: Various aspects generally relate to identifying a vehicle based on a machine-readable optical marker. In some implementations, a server device may receive one or more images of an object and metadata related thereto. In some implementations, based upon the one or more images, an image processing engine may identify at least one non-visible spectrum marker on a surface of the object (e.g., a machine-readable optical marker that encodes information associated with the object). The server device may determine that the object depicted in the one or more images corresponds to a particular vehicle based on the information encoded by the machine-readable optical marker corresponding to an identifier associated with the particular vehicle. Accordingly, the server device may associate information identifying the particular vehicle with information identifying a location based on the metadata related to the one or more images to permit subsequent determination of the location of the particular vehicle.
    Type: Grant
    Filed: April 17, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Stephen Wylie, Micah Price, Jason Hoover, Geoffrey Dagley
  • Patent number: 10798030
    Abstract: In certain embodiments, pre-chat intent prediction and dialogue generation may be facilitated. In some embodiments, a chat initiation request may be obtained from a user. The latest activity information associated with the user may be provided to a prediction model to obtain predicted intents of the user. For each intent of the current intents, a candidate question may be selected from a question set based on the candidate question matching the intent. Within ten seconds of the chat initiation request, the candidate questions may be simultaneously presented on the chat interface. A user selection of a first question of the candidate questions may be obtained via the chat interface responsive to the presentation of the candidate questions. Based on the user selection and the first question matching a first intent of the predicted intents, the first intent may be provided as reference feedback for the prediction model.
    Type: Grant
    Filed: March 17, 2020
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Vinay Igure, Scott Karp, Erik Mueller, Tanushree Luke, Kunlaya Soiaporn, Victor Alvarez Miranda, Rui Zhang
  • Patent number: 10798089
    Abstract: Embodiments of the present disclosure relate to systems and methods for capturing information. In addition, embodiments of the present disclosure relate to solutions for capturing information using a web browser extension. Embodiments of the present disclosure further relate to securely transmitting captured information to a server for association with an application or form being completed by an individual.
    Type: Grant
    Filed: June 11, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10798551
    Abstract: An automated method is provided for activating a NFC application in a mobile interface device. In this method, the device receives from a beacon a wireless beacon signal comprising at least one beacon identifier. The wireless beacon signal is processed by the mobile interface device to determine the at least one beacon identifier. The mobile interface device determines based on the at least one beacon identifier, whether to activate the NFC application. Responsive to a determination that the NFC application should be activated, the mobile interface device transitions the NFC application from a passive state to an active state. NFC communication is then established between the mobile interface device and at least one NFC transmitting device disposed within a beacon range volume defined by the beacon location and the beacon range.
    Type: Grant
    Filed: January 21, 2020
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: David Gabriele, Wayne Lutz, Lin Ni Lisa Cheng, Daniel John Marsch, Tyler Maiman, Saleem Ahmed Sangi, Kevin Osborn
  • Patent number: 10797967
    Abstract: A service deployment manager may receive a service request that includes data identifying a service to be deployed in a cloud computing environment, data identifying an execution environment in which the service is to be deployed, data identifying a framework on which the service is to be deployed, and data identifying a version strategy to be applied to the service. The service deployment manager may receive data identifying a user account associated with the service request, and may determine that the user account has permission to deploy the requested service. The service deployment manager may identify a service template, based on the service, that specifies a virtual hardware configuration, and may provide, to a service deployment platform, instructions to deploy the service using the virtual hardware configuration. The instructions may include the data identifying the execution environment, the data identifying the framework, and the data identifying the version strategy.
    Type: Grant
    Filed: May 8, 2019
    Date of Patent: October 6, 2020
    Assignee: Capital One Services, LLC
    Inventor: Sreekumar Cherumbath
  • Patent number: 10797882
    Abstract: Example embodiments of systems and methods for data transmission in a contactless card are provided. The contactless card may include a processor, and a memory. The memory may contain a first applet, a second applet, and a plurality of keys. The first applet and the second applet may be stored within a shared security domain. The second applet may be configured to communicate with the first applet to perform one or more cryptographic services. The second applet may be configured to transmit one or more requests to the first applet to encode one or more payload strings based on the plurality of keys to perform the one or more cryptographic services. The first applet may be configured to perform the one or more cryptographic services on behalf of the second applet based on the one or more requests.
    Type: Grant
    Filed: October 2, 2019
    Date of Patent: October 6, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeffrey Rule, Srinivasa Chigurupati, Kevin Osborn
  • Publication number: 20200311782
    Abstract: A computer-implemented method for determining an actual cost of ownership of a purchase product may include determining a baseline value of the purchase product, and receiving usage information representative of usage of a user product from a computing device in communication with the user product. The purchase product and the user product may belong to a same class of products. The method also may include determining a user cost component based on the received usage information, and determining an actual cost of ownership of the purchase product based on at least the baseline value and the user cost component.
    Type: Application
    Filed: March 29, 2019
    Publication date: October 1, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jason Hoover, Avid GHAMSARI, Qiaochu TANG, Geoffrey DAGLEY, Micah PRICE
  • Publication number: 20200311796
    Abstract: According to certain aspects of the disclosure, a computer-implemented method may be used for determining one or more vehicle recommendations. The method may include receiving data pertaining to a user's internet browsing activity. The received data may be indicative of the user's automotive vehicle preferences. The method may include comparing the received data to a collection of stored vehicle qualities. The method also may include identifying, based on the received data and the comparison of the received data to the collection of stored vehicle qualities, a vehicle characteristic of interest to the user. Using the vehicle characteristic of interest, one or more vehicle recommendations may be determined. One or more vehicle recommendations may be communicated to the user.
    Type: Application
    Filed: March 29, 2019
    Publication date: October 1, 2020
    Applicant: Capital One Services, LLC
    Inventors: Qiaochu TANG, Stephen WYLIE, Micah PRICE, Staevan DUCKWORTH, Olalekan AWOYEMI, Geoffrey DAGLEY, Jason HOOVER