Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 10839371
    Abstract: Using contactless cards to pay for offline transactions. An application executing on a mobile device may receive, via a communications interface of a contactless card, an account identifier of the contactless card, and transaction data received by the contactless card from a POS device via the communications interface, the transaction data comprising at least an identifier of a merchant account, a timestamp, and an amount of the transaction, a network connection between the POS device and a payment server not available. The application may transmit the account identifier and the transaction data to the payment server via a cellular network connection of the mobile device. The mobile device may receive, from the payment server via the cellular network connection, authorization of a payment for the transaction. The application may generate a graphical indication of the authorization of the payment for the transaction and output the graphical indication of the authorization.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Taurean Butler, Abdelkader M'Hamed Benkreira
  • Patent number: 10841266
    Abstract: In certain embodiments, an email including a plurality of components may be obtained and email activity data associated with a user may be obtained. The email activity data may include data associated with the user's previous activity with emails. A subset of components of the plurality of components to be included in a customized email may be determined based on the email activity data such that the customized email includes the subset of components and excludes one or more other components of the plurality of components. The customized email may be sent to the user.
    Type: Grant
    Filed: October 25, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventor: Kamalesh Jayaraman
  • Patent number: 10840723
    Abstract: A method, apparatus, and system for dynamic management of multiple device power consumption is disclosed. One or more battery-powered devices may be connected to a power supply for charging. The power supply itself may be another battery-powered device or a dedicated portable charger. The power supply may identify power consumption profiles of the connected devices and determine a power distribution ratio such that the timing of each device's battery depletion may be managed. For example, according to a power distribution profile, a power distribution ratio may be determined such that the projected battery depletion times of all the connected devices substantially coincide with each other. The power supply may distribute power to the connected battery-powered devices according to the determined power distribution ratio and the power distribution ratio may dynamically adapt to changing circumstances such as a device being disconnected, being fully charged, changing its power consumption rate, etc.
    Type: Grant
    Filed: December 13, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Galen Rafferty, Jeremy Goodsitt, Austin Walters
  • Patent number: 10839066
    Abstract: A device may obtain an animation, wherein the animation comprises a set of frames to emulate a moving image. The device may obtain a label to associate with the animation. The device may generate a human authentication challenge, wherein the human authentication challenge includes a display using the animation, and directions for a user to complete a task by interpreting the animation. The device may generate instructions to cause a user device to display the human authentication challenge. The device may send, to the user device, the instructions to cause the user device to display the human authentication challenge. The device may receive an input to the human authentication challenge regarding the animation. The device may analyze the input using the label to determine whether to authenticate the user. The device may perform an action based on analyzing the input using the label to determine whether to authenticate the user.
    Type: Grant
    Filed: November 25, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Vincent Pham, Austin Walters, Jeremy Goodsitt, Fardin Abdi Tagh Abad, Reza Farivar, Mark Watson, Anh Truong
  • Patent number: 10839398
    Abstract: A method for providing a gift includes receiving a gift token creation request representative of a selection of a gift recipient and gift limitations from a first computing device. The method includes generating a tokenized PAN associated with a gift account and transmitting the tokenized PAN and gift limitations to a second computing device. The method includes detecting a transaction authorization request that is representative of an attempted transaction at a merchant POS device based on monitoring of transaction authorization data originating from a plurality of merchant POS devices. The transaction authorization request represents an attempted tokenized PAN, an attempted transaction amount and a merchant code. The method includes determining that the attempted tokenized PAN matches the tokenized PAN associated with the gift account.
    Type: Grant
    Filed: June 24, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Taurean Butler, Christine Berglund, Adam Vukich, Jessica Greenberg, Colin Hart, Mykhaylo Bulgakov, Jason Ji, Kaylyn Gibilterra
  • Patent number: 10839081
    Abstract: An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.
    Type: Grant
    Filed: October 3, 2019
    Date of Patent: November 17, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: James Zarakas, David Wurmfeld, Brennon York, Tyler Locke
  • Patent number: 10839318
    Abstract: Systems, methods, and computer readable media are disclosed for generating, modifying, and using machine learning models to predict and evaluate differences between groups. Methods disclosed herein may include identifying variables that characterize members of a first group, generating shift indicators using the identified variables, generating a machine learning model using the shift indicators and the first group, using the machine learning model and the group to predict shifts between the first group and a predicted second group, determining an aggregate population shift and an aggregate performance shift between the first group and an actual second group, and identifying an impact of one or more of the shift indicators on the aggregate population shift or performance shift. Systems and methods disclosed herein may be configured to receive requests to predict and evaluate differences between group, and to return such predictions and evaluations to one or more users.
    Type: Grant
    Filed: December 12, 2018
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Ruoyu Shao, Fenglin Yan, Vikramaditya Repaka
  • Patent number: 10838716
    Abstract: Systems, methods, and apparatuses are described for analyzing differences in program dependencies, such as libraries. Code of a computer program may be dependent on a first version of a library. The first version of the library may comprise one or more first functions. Based on the first version of the library, a tree model representing the first version of the library and corresponding functions that the library comprises may be generated. A second version of the library may be determined. The one or more first functions of the first version of the library may be compared to one or more second functions of the second version of the library. The differences may be output by, e.g., displaying the differences using a modified tree model based on the generated tree model, and/or code of the program may be updated.
    Type: Grant
    Filed: November 19, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Walters, Jeremy Goodsitt, Mark Watson
  • Patent number: 10838591
    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: Grant
    Filed: March 28, 2019
    Date of Patent: November 17, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Alexandra Colevas, Michael Mossoba, Joshua Edwards, Abdelkader Benkreira
  • Patent number: 10839060
    Abstract: Various embodiments are generally directed to techniques for multi-voice speech recognition commands, such as based on monitoring a telecommunications channel between first and second devices, for instance. Some embodiments are particularly directed to prompting initiation of a transaction between a first entity associated with a first device and a second entity associated with a second device based on detection of an audible request corresponding to the second entity and an audible response corresponding to the first entity.
    Type: Grant
    Filed: August 27, 2019
    Date of Patent: November 17, 2020
    Assignee: Capital One Services, LLC
    Inventors: Paul Hurlocker, Austin Grant Walters, Jeremy Edward Goodsitt
  • Publication number: 20200358649
    Abstract: Various embodiments are generally directed to techniques for dynamic network resiliency, such as by monitoring and controlling the configuration of one or more network components to ensure proper endpoint alignment, for instance. Some embodiments are particularly directed to a tool (e.g., resiliency agent) that can automatically recognize symptoms of issues with a network component, such as autoscaling, latency, traffic spikes, resource utilization spikes, etcetera, and respond appropriately to ensure continued and optimized operation of the network component. In many embodiments, the tool may dynamically reroute endpoint traffic, perform traffic balancing, and/or drive autoscaling to optimize operation of the network component in response to recognizing symptoms.
    Type: Application
    Filed: January 16, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Lindsay HELBING, Bryan PINOS, Eric BARNUM
  • Publication number: 20200357063
    Abstract: Systems and methods are disclosed for determining one or more credit lines based on statistical approximations of credit line optimization models. By approximating the results of the optimization model, the disclosed embodiments may provide real-time account level credit line determinations based on fewer criteria than used in the optimization models. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: July 27, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Antonello Loddo, Lu Su, Leonard Roseman, Ram Narayan
  • Publication number: 20200356601
    Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for filtering vehicle information. For instance, the method may include receiving a vehicle search request from a user device, the vehicle search request including conditions with corresponding weights. The method may also include, in response to receiving the vehicle search request, forming a search query based on the conditions and the weights of the vehicle search request; obtaining vehicle information; filtering the vehicle information based on the search query to obtain a result set and a partial match set; and transmitting a search result message based on the result set and the partial match set to the user device.
    Type: Application
    Filed: July 30, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Geoffrey DAGLEY, Qiaochu TANG, Avid GHAMSARI, Micah PRICE, Jason HOOVER
  • Publication number: 20200356646
    Abstract: Various embodiments are directed to performing identity verification using biometrics and open data, such as publicly available data on the Internet. A person may provide various types of information about the person, including a name and an image of the person. An Internet search may be performed on the provided name and one or more publicly-available images corresponding to that name may be acquired. Biometric analyses may be performed on both the image provided by the person and the acquired one or more images to determine whether any of them match the person. Metadata may be extracted from a matching image. Moreover, data relating to the person may be acquired from the source of the matched image. The metadata and the data from the source may be compared with the information provided by the person to validate the identity of the person.
    Type: Application
    Filed: November 18, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Ryan FOX, Keith HAMBURG
  • Publication number: 20200356532
    Abstract: Disclosed are systems, apparatuses and techniques for replicating data between different cloud computing platforms. Examples include storage replicator components operable in different cloud computing platforms. The first storage replicator component may identify the second cloud computing platform as a location to copy a data file in response to an event related to the data file stored in a first cloud computing platform. The first storage replicator component may request a copy of the data file via an application programming interface of the first cloud computing platform. The attributes of the copy of the data file which involve modification to conform to data management conventions of the second cloud computing platform may be determined and modified to comply with conventions of the second cloud computing platform. The modified copy of the data file may be forwarded to the second cloud computing platform for storage.
    Type: Application
    Filed: March 23, 2020
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Timothy HAGGERTY, Steven LONG, Deepa RAO, Eric HENRY, Yuting ZHOU
  • Publication number: 20200356817
    Abstract: Various embodiments are generally directed to techniques for embedding a data object into a multidimensional frame, such as for training an autoencoder to generate latent space representations of the data object based on the multidimensional frame, for instance. Additionally, in one or more embodiments latent space representations of data objects may be classified, such as with a machine learning algorithm. Some embodiments are particularly directed to embedding a data object comprising a plurality of object entries into a three-dimensional (3D) frame.
    Type: Application
    Filed: November 1, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT, Mark Louis WATSON, Anh TRUONG
  • Publication number: 20200356832
    Abstract: Various embodiments are generally directed to techniques to provide an orientationless transaction card. Embodiments include a transaction card having a substrate comprising one or more laminated layers and a chip comprising processing circuitry, and memory, the chip embedded within the substrate. The transaction card may also include a first contact pad coupled with the chip, the first contact pad embedded on a first side of the substrate at a first location and a second contact pad embedded on the first side of the substrate at a second location. Further, the transaction card includes an antenna embedded within the substrate, the antenna to couple the chip with the second contact pad.
    Type: Application
    Filed: May 9, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Tyler MAIMAN, Stephen SCHNEIDER, Daniel HERRINGTON
  • Publication number: 20200357048
    Abstract: Techniques for providing a cash flow tool that analyzes financial transaction data for a customer to address any determined inefficient activities of the customer are provided. Financial transaction for the customer can be received. The financial transaction data can include payables transaction data and receivables transaction data. A first inefficient activity of the customer can be determined based on the payables transaction data. A second inefficient activity of the customer can be determined based on the receivables transaction data. A first recommendation to address the first inefficient activity and a second recommendation to address the second inefficient activity can be determined based on services or products available to the customer. The first and second recommendations can be displayed to the customer in a simplified and user-friendly manner to facilitate efficient review and discussion with a representative.
    Type: Application
    Filed: December 9, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Christopher TAYLOR, Kelly CRAVENS, Nina MAKAN, Vivek SIMKHADA, Lun ZHANG, Bonnie HENRY, Patricia GRAZIOSE
  • Publication number: 20200356924
    Abstract: Various embodiments are directed to techniques for defining and optimizing the boundaries of geospatial areas predictive of various outcomes. A geographic area of interest is defined, and a model trained to predict the variable of interest within the geographic area of interest is trained using training data selected for the geographic area. The model is scored for each cell in a meshed grid defined over the geographic area of interest and, thereafter, a contour-finding algorithm is applied to the grid to define the optimized geographic area.
    Type: Application
    Filed: May 8, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventor: Steve FRENSCH
  • Publication number: 20200356462
    Abstract: Exemplary embodiments provide systems and methods for determining performance metrics or statistics relating to relational databases that are accessed remotely. Such embodiments may automatically discover the presence or identity of such remotely-stored databases using serverless code, query each database for performance information, convert the performance information into performance metrics, and store the performance metrics as time-series data in a time-series database. The performance metrics may be used to generate notifications, provide input to a machine learning process, adjust settings of the relational databases or an associated service, or provide a visualization of the performance of the databases, among other possibilities.
    Type: Application
    Filed: May 10, 2019
    Publication date: November 12, 2020
    Applicant: Capital One Services, LLC
    Inventors: Kumar ANAND, Naseema SHAIK, Amit PANDEY