Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 10789639
    Abstract: The disclosed embodiments provide systems, methods, and techniques for managing transaction cards. User registration processes, order processes, and failure detection processes for a secure universal shopping cart are provided. Systems and methods may acquire identifiers. Systems and methods may also identify items associated with the identifiers. In addition, systems and methods may acquire a list of merchants that offer each item. Systems and methods may further determine, for each identifier, merchants based on user preferences. Even further, systems and methods may generate a payment token for each item. Systems and methods may then transmit the payment token for each item to its respective merchant.
    Type: Grant
    Filed: August 7, 2018
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua S. Edwards, Michael Mossoba
  • Patent number: 10789532
    Abstract: A method for training a neural network model includes generating a training dataset with a plurality of data types and word samples belonging to each data type. A plurality of character strings stored in a plurality of data fields in a first data file are received where the plurality of character strings includes at least one word belonging to at least one data type in the plurality of data types. The at least one word from each of the plurality of character strings in each of the data fields are split and matched to the at least one data type using the neural network model. An ad hoc second data file with a plurality of data vectors is constructed based on a user selection of data field labels where each data vector includes words matched to a data type with a respective data field label.
    Type: Grant
    Filed: October 29, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Galen Rafferty, Reza Farivar, Jeremy Goodsitt, Anh Truong, Austin Walters
  • Patent number: 10789530
    Abstract: Systems, methods, and computer program products to provide neural embeddings of transaction data. A network graph of transaction data based on a plurality of transactions may be received. The network graph of transaction data may define relationships between the transactions, each transaction associated with at least a merchant and an account. A neural network may be trained based on training data comprising a plurality of positive entity pairs and a plurality of negative entity pairs. An embedding function may then encode transaction data for a first new transaction. An embeddings layer of the neural network may determine a vector for the first new transaction based on the encoded transaction data for the first new transaction. A similarity between the vectors for the transactions may be determined. The first new transaction may be determined to be related to the second transaction based on the similarity.
    Type: Grant
    Filed: January 14, 2019
    Date of Patent: September 29, 2020
    Assignee: Capital One Services, LLC
    Inventors: Christopher Bruss, Keegan Hines
  • Patent number: 10789390
    Abstract: In a method of controlling account user access to transaction information for a joint account, a set of control criteria is stored in a control database. Information for a new transaction is received and stored in a transaction information database. An information limitation request to prevent access to the transaction information by a second account user for a withholding time interval is received from a first account user. An access limitation record including identification of the second account user and the withholding time interval is stored in the information control database. Upon receiving from a second account user a request for account information including the transaction information, a determination may be made as to whether the transaction information should be withheld from the second account user. Responsive to a determination that the transaction information should be withheld, a response excluding the transaction information is transmitted to the second user device.
    Type: Grant
    Filed: December 19, 2019
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Salik Shah, Sophie Bermudez
  • Patent number: 10791068
    Abstract: The disclosed technology includes systems and methods for controlling enrollment and secure persistent SMS texting account servicing communications. A method is provided that includes receiving, at an enrollment web portal, enrollment data including: enrollment credentials identifying a user for authentication, a phone number of a mobile device associated with the user, and consent by the user to persistently interact with an account servicing system via SMS texting. The method includes: processing the received enrollment data, authenticating the user responsive to processing the received enrollment data, storing the phone number of the mobile device associated with the user in a phone number data storage, and generating, responsive to the authenticating, a revocable token for persistent access to a natural dialogue module via a SMS texting gateway for the mobile device identified by the phone number.
    Type: Grant
    Filed: January 13, 2020
    Date of Patent: September 29, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Scott Karp, Srinaath Thyagarajan
  • Publication number: 20200302234
    Abstract: A system for determining data requirements to generate machine-learning models. The system may include one or more processors and one or more storage devices storing instructions. When executed, the instructions may configure the one or more processors to perform operations including: receiving a sample dataset, generating a plurality of data categories based on the sample dataset; generating a plurality of primary models of different model types using data from the corresponding one of the data categories as training data; generating a sequence of secondary models by training the corresponding one of the primary models with progressively less training data; identifying minimum viable models in the sequences of secondary models; determining a number of samples required for the minimum viable models; and generating entries in the database associating: model types; corresponding data categories; and corresponding numbers of samples in the training data used for the minimum viable models.
    Type: Application
    Filed: March 22, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Walters, Jeremy Goodsitt, Vincent Pham
  • Publication number: 20200302412
    Abstract: Systems and methods for autonomous banking resources are disclosed. Embodiments include a mobile banking resource including an unmanned motorized vehicle, a controller configured to control the movement of the motorized vehicle, an authentication device configured to verify the identity of a user, a server configured to communicate with the controller and the authentication device, and a user interface module configured to interface with the user conducting a transaction. The user interface module may include a user input device configured to receive user input, and a communication interface module configured to communicate with a server and the user input device. The controller may be configured to operate the motorized vehicle to move the motorized vehicle to a location based on a predicted behavior of the user.
    Type: Application
    Filed: June 5, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Salik SHAH, Michael MOSSOBA
  • Publication number: 20200302759
    Abstract: The present disclosure relates to systems and methods for using haptic vibration for inter-device communication. In one implementation, a system for inter-device communication using haptic vibration may include at least one force gauge configured to measure displacements caused by an external device in contact with the at least one force gauge; at least one memory storing instructions; and at least one processor configured to execute the instructions to: receive an identifier associated with a user; retrieve a pattern associated with the received identifier; receive, from the at least one force gauge, one or more measurements over a period of time; assess a degree of difference between the received one or more measurements and the retrieved pattern; and, when the degree of difference is below a threshold, authenticate the user.
    Type: Application
    Filed: June 8, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader BENKREIRA, Joshua EDWARDS, Michael MOSSOBA
  • Publication number: 20200304310
    Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.
    Type: Application
    Filed: March 18, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC
  • Publication number: 20200302755
    Abstract: A method for improved security at automated teller machines (ATMs) comprising: capturing, by a first camera at an ATM, one or more images of a bank card; reading card information from the bank card by processing the one or more images of the bank card, wherein the card information comprises an account number and an expiration date; receiving, from an input device at the ATM, a personal identification number (PIN) entered by a user; sending a request to a server device to verify the card information and the PIN; and in response receiving a response from the server device, allowing the user to transact with the ATM.
    Type: Application
    Filed: March 22, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Michael Mossoba, Rajko Ilincic
  • Publication number: 20200302727
    Abstract: Various embodiments are generally directed to copying data to a clipboard of a mobile device from a contactless card using NFC. A mobile device may issue a request to read data from the contactless card. The contactless card may generate encrypted data in response to the request. The mobile device may receive the encrypted data via NFC and transmit the encrypted data to a server for verification. The server may verify the encrypted data and transmit an indication of an account number for the contactless card to the mobile device. The mobile device may then copy the account number to a clipboard of the mobile device.
    Type: Application
    Filed: July 25, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Daniel HERRINGTON, Jeffrey RULE, Colin HART, Jason JI
  • Publication number: 20200302381
    Abstract: In one aspect, the present disclosure relates to a method for improved efficiency of an inventory management system. The method can include: performing a first inventory search of inventory data stored in a database using search criteria; receiving, from a beacon sensor, inventory data broadcast from a plurality of beacons; performing a second inventory search by correlating the inventory data broadcast from the plurality of beacons with results of the first inventory search; receiving image data from a camera; performing image classification on the image data to determine one or more class labels for an inventory item within the field-of-view of the camera; performing a third inventory search by correlating the class labels with results of the second inventory search; and presenting results of the third inventory search to a user.
    Type: Application
    Filed: June 8, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jason Hoover, Qiaochu Tang, Micah Price, Geoffrey Dagley, Stephen Wylie
  • Publication number: 20200302728
    Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.
    Type: Application
    Filed: March 23, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
  • Publication number: 20200302432
    Abstract: Systems, methods, and articles of manufacture to securely share data stored in a blockchain. A contactless card may receive a request to provide a data element from a device. An applet of the contactless card may encrypt the data element and a wallet address. The applet may generate a signature for the request, and transmit, to a mobile device, the signature and the encrypted data. The mobile device may transmit, to a verification service, the signature and encrypted data. The verification service may verify the signature based on a public key. A node in a blockchain may generate a block in the blockchain, the block comprising indications of the verification of the signature, the requested data element, and the wallet address. An encrypted data element corresponding to the data element may be decrypted using a public key. The device may receive the decrypted data element from the wallet address.
    Type: Application
    Filed: November 14, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Rajko ILINCIC, Kaitlin NEWMAN
  • Publication number: 20200304486
    Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account.
    Type: Application
    Filed: June 11, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
  • Publication number: 20200302436
    Abstract: Various embodiments are generally directed to NFC-based mobile currency transfers. A mobile payment may be programmatically initialized when at least two mobile devices come into NFC communications range. A payment card associated with an account used to fund the currency transfer may be tapped to one or more of the devices to allow a server to validate the currency transfer.
    Type: Application
    Filed: March 20, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Rajko ILINCIC, Jeffrey RULE
  • Publication number: 20200304507
    Abstract: A computer system for secure data access control, according to some examples, may perform operations including: receiving first data from a first client associated with a first user; using a first data access agent to store the first data in a first data store, the first data access agent having access to the first data store and not having access to a second data store; receiving second data from a second client associated with a second user; and using a second data access agent to store the second data in the second data store, the second data access agent having access to the second data store and not having access to the first data store
    Type: Application
    Filed: March 19, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Suresh PANDEY, Sebastian SMITH, Hala Salim EL-ALI
  • Publication number: 20200302137
    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: Application
    Filed: November 20, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD
  • Publication number: 20200304311
    Abstract: Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.
    Type: Application
    Filed: March 21, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Walter A. MILLER
  • Publication number: 20200304542
    Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication via a backchannel to reduce the potential for malicious third-party impersonation of the client prior to transfer of the call to the customer call center. Pre-authorized customer support calls may be intelligently and efficiently routed directly to call center agents, without incurring further delay. During call handling, call center agents may initiate further client authentication processes, including contactless card authentication requests, over one or more different communication channels for authorizing access to sensitive information or to allay suspicion.
    Type: Application
    Filed: October 9, 2019
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Rajko ILINCIC, Kaitlin NEWMAN, Jeffrey RULE