Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Publication number: 20200310598
    Abstract: Systems and methods for generating personalized navigation menus are disclosed. For example, the 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 associated with a plurality of accounts and receiving navigation menu data associated with the accounts. The operations may include training a model based on the account data and the navigation menu data. The operations may include receiving a request associated with a user and receiving user account data associated with the user. The operations may include generating, using the model, a navigation menu based on the request and the user account data. The operations may include providing the navigation menu.
    Type: Application
    Filed: March 28, 2019
    Publication date: October 1, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Alexandra COLEVAS, Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Publication number: 20200311358
    Abstract: Example embodiments of systems, methods, and devices for transaction card alignment are provided. In one example embodiment, a mobile device may include a first component and a second component foldable with respect to one another between a first configuration and a second configuration. The mobile device may further include a screen interface on an interior side of the first component, and an alignment feature along the interior side, the alignment feature providing alignment for a contactless card with respect to the screen interface, wherein the contactless card is uncovered by the second component in the first configuration and covered by the second component in the second configuration.
    Type: Application
    Filed: September 10, 2019
    Publication date: October 1, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC, Colin HART
  • Publication number: 20200311753
    Abstract: The present disclosure provides computing systems and techniques for evaluating effectiveness of models used to generate product offers. A server can generate a product offer from one of a number of customer engagement models. The server can determine an effectiveness of each of the models based on user interactions with the precut offers. The determined effectiveness can be used to specify a dominant or baseline model to be used in a majority of instances.
    Type: Application
    Filed: March 26, 2019
    Publication date: October 1, 2020
    Applicant: Capital One Services, LLC
    Inventors: Mark Louis Watson, Austin Grant Walters, Fardin Abdi Taghi Abad, Jeremy Edward Goodsitt, Reza Farivar, Anh Truong, Kenneth Taylor, Vincent Pham
  • Patent number: 10789580
    Abstract: 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: Grant
    Filed: October 2, 2018
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Rudolph Christian Wolfs, David Aaron Pinski
  • Patent number: 10789956
    Abstract: A device may receive a set of audio data files corresponding to a set of calls, wherein the set of audio data files includes digital representations of one or more segments of respective calls of the set of calls, and wherein the set of calls includes audio data relating to a particular industry. The device may receive a set of transcripts corresponding to the set of audio data files. The device may determine a plurality of text-audio pairs within the set of calls, wherein a text-audio pair, of the plurality of text-audio pairs, comprises: a digital representation of a segment a call of the set of calls, and a corresponding excerpt of text from the set of transcripts. The device may train, using a machine learning process, an industry-specific text-to-speech model, tailored for the particular industry, based on the plurality of text-audio pairs.
    Type: Grant
    Filed: August 20, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventor: Abhishek Dube
  • Patent number: 10789600
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions according to review and approval workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows and/or microservices. Other aspects may provide for data snapshots and workflow tracking, allowing for monitoring, quality control, and auditability of transactions on the transaction exchange platform.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Earle Michael Lee, William Planck
  • Patent number: 10790967
    Abstract: A server may perform server side authentication of a user device. The user device may generate a first authentication string by performing a hash function on a username, a password, and a first salt. The first authentication string may be registered with the server for subsequent login attempts. At login, the user device generates the first authentication string and transmits the first authentication string to the server. When the authentication strings match, the user device is authenticated. The user device may also update the first authentication string. The server may provide the first salt and a second salt to the user device. The user device may generate a first authentication string and a second authentication string from the first salt and the second salt, respectively. When the first authentication strings match, the server may update the user device's authentication string by replacing it with the second authentication string.
    Type: Grant
    Filed: November 18, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Elias Cottingham, Eric Delgado
  • Patent number: 10789195
    Abstract: 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: Grant
    Filed: July 17, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventor: Maharshi Jha
  • Patent number: 10791537
    Abstract: A device receives, from a transaction device, transaction data associated with a transaction performed by a user, and receives first location data indicating a location of a mobile user device. The device receives, from a stationary user device, browser data associated with online activity of the user, and determines, based on the browser data, second location data indicating a location of the stationary user device. The device determines, based on the transaction data, third location data indicating a location of the transaction device, and assigns weights and time stamps to the first, second, and third location data. The device aggregates the first, second, and third location data, based on the weights and the time stamps, to generate aggregated location data. The device processes the aggregated location data, with a model, to predict a particular location of the user, and performs actions based on the particular location.
    Type: Grant
    Filed: September 12, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Adam Vukich
  • Patent number: 10789353
    Abstract: Systems and methods for augmented reality authentication of a user are described, including authenticating a user by presenting the user with augmented reality authentication challenges, evaluating the user's response, and using the response to authenticate the user.
    Type: Grant
    Filed: August 20, 2019
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kenneth Taylor, Fardin Abdi Taghi Abad, Jeremy Goodsitt, Austin Walters, Vincent Pham, Anh Truong
  • Patent number: 10791114
    Abstract: In some embodiments, an exemplary method may include receiving by a computing device of a user, first facial image data of the user for identity verification from an authorizing entity for authorizing user operations in computing systems managed by a plurality of entities. Second facial image data of the user is obtained using an imaging device of the computing device at a predefined location of a particular entity from the plurality of entities for authenticating the user. A unique authorization identifier is displayed of the computing device of the user. A location of the computing device and a timestamp when a computing terminal of the particular entity scans the unique authorization identifier on the computing device of the authenticated user and an authorization request is relayed to the authorizing entity. An approval is received based on verification of the unique authorization identifier generated for the particular entity, the location of the computing device, and the timestamp.
    Type: Grant
    Filed: April 17, 2020
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Lukiih Cuan, Dakyung Song, Vincent Vy Ngo
  • Patent number: 10789383
    Abstract: A system includes a data owner interface, a database, a requester interface, an approver interface, a database interface, and a central controller. The data owner interface can provide protected data and data usage rules. The database can store the protected data. The requester interface can provide a request to access the protected data and receive sanitized results. The approver interface can provide approval or disapproval of access to the protected data and receive the data usage rules. The database interface can store the protected data in the database and provide access to the protected data.
    Type: Grant
    Filed: January 9, 2020
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Mark Watson, Anh Truong, Vincent Pham, Reza Farivar, Fardin Abdi Taghi Abad, Jeremy Goodsitt, Austin Walters
  • Patent number: 10789382
    Abstract: The disclosed technology includes techniques for secure access to data associated with an organization and includes providing a user device access to a user interface that is configurable by a user of the user device to execute function requests. Upon receipt of a function request, a router can randomly select an available computer from a computer cluster to execute the function. The computer can access a predetermined portion of the organization's data, generate an output by executing the requested function based on the predetermined portion of the organization's data, and transmit the output to the user device.
    Type: Grant
    Filed: June 3, 2019
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Timothy Russell Marcinowski
  • Patent number: 10789599
    Abstract: A transaction card construction and computer-implemented methods for a transaction card are described. The transaction card has vector formatted visible information lasered onto its surface. In some embodiments, systems and methods are disclosed for enabling the sourcing of visible information using a scalable vector format. The systems and methods may receive a request to add a first plurality of visible information to a transaction card and capture an image of the first plurality of visible information. The systems and methods may also map the image to a bounding box and convert the mapped image into vector format. In addition, the systems and methods may provide the converted image to a laser machine.
    Type: Grant
    Filed: December 7, 2018
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Om J. Suthar, Jiawei Zhao
  • Patent number: 10789349
    Abstract: A system for storing an object includes a card reader configured to receive a card from a user and to determine an identity of the user based on information on the card. The system also includes a secure storage area configured to store a plurality of physical boxes. The plurality of physical boxes includes a first physical box that is assigned to the user. The first physical box is configured to be dispensed from the secure storage area to the user outside of the secure storage area in response to the user requesting to physically receive the first physical box. Dispensing the first physical box includes moving the first physical box along a predetermined path in the secure storage area and presenting the first physical box for removal from the secure storage area.
    Type: Grant
    Filed: May 23, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10789354
    Abstract: To facilitate improved email and device security, embodiments of systems and methods include intercepting, by a processor associated with an entity, an internet request, where the internet request is produced by a link received in an email at a first computing device. The processor determines that the link is externally bound relative to an entity network. The processor determines an existence of a sandbox environment instance in a set of existing sandbox environment instances. The processor routes the link through the sandbox environment instance. The processor updates the sandbox log in the database based on the sandbox environment instance and the link. The processor causes to display on a screen of the first computing device a user interface for interacting with the link in the sandbox environment instance, and the processor logs activities associated with interacting with the link in a security log.
    Type: Grant
    Filed: October 1, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Vincent Pham, Joseph Boayue, Lee Adcock, Geeta Shyamala, Ana Cruz, Christopher Camenares, Nahid Farhady Ghalaty
  • Patent number: 10791424
    Abstract: In one aspect, the present disclosure relates to a method that includes presenting a first user interface (UI) and a second UI on a mobile device. The first UI may include a map display and a control to compose a note. The method may include, in response to a user of the mobile device activating the control to compose the note, presenting a second UI including: an input to receive text for the note, one or more controls to select a picture for the note, and a control to save the note. The method may include, in response to the user activating the control to save the note: determining a location for the note using a geo-location sensor within the mobile device, sending the received text, the selected picture, and the location for the note to a server device, and displaying an indication of the note on the map display based on the location determined for the note.
    Type: Grant
    Filed: November 21, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Arunkumar Natarajan, Venkata Mandali
  • Patent number: 10789142
    Abstract: Disclosed are hardware and techniques for testing computer processes in a network system by simulating computer process faults and identifying risk associated with correcting the simulated fault and identifying computer processes that may depend on the corrected computer process. The interdependent computer processes in a network may be determined by evaluating a risk matrix having a risk score and non-functional requirement score. An analysis of the risk score and non-functional requirement score accounts for interdependencies between computer processes and identified corrective actions that may be used to determine an optimal network environment. The optimal network environment may be updated dynamically based on changing computer process interdependencies and the determined risk and robustness scores.
    Type: Grant
    Filed: November 27, 2018
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Bhavik Gudka, Eric Barnum
  • Patent number: 10789103
    Abstract: Described herein is a system for identifying controls not aligned with updated compliance data. The system may scrub external data sources for updated compliance data. The system may detect and extract the updated compliance data from the external data sources. The system may identify and correlate controls of compliance applications currently using compliance data which has now been updated. The system determines whether a control exists to cover the updated compliance data. In the event, a control does not exist or an existing control does not cover the updated compliance data, a requirement may be generated for generating a new control or modifying an existing control for the updated compliance data.
    Type: Grant
    Filed: September 6, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Sravankumar Karanam, Manjula Marakani
  • Patent number: D897288
    Type: Grant
    Filed: January 24, 2020
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Molly Elizabeth Johnson, Tyler Locke, David Kelly Wurmfeld, Adam Rothstein Koeppel