Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 10831875
    Abstract: A secure method for resetting the password for an account is disclosed. During the setup of the account, the user can provide the service provider with a media file, and when the user asks the service provider to reset the password for the account, the user will be prompted with several media files. The user can be asked to identify the media file that the user provided to the service provider at the time of the setup of the account. If the user properly identifies the media file, the password will be reset.
    Type: Grant
    Filed: November 14, 2018
    Date of Patent: November 10, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Kate Key, Anh Truong, Jeremy Goodsitt, Kenneth Taylor, Reza Farivar, Mark Watson, Fardin Abdi Taghi Abad, Austin Walters, Vincent Pham
  • Patent number: 10831906
    Abstract: Various embodiments are generally directed to techniques for generating updating, and/or validating one or more aspects of an access policy for a data bucket, such as based on usage data corresponding to the data bucket, for instance. Some embodiments are particularly directed to automatically generating, updating, and/or validating an access policy for a data bucket based on analysis of log data corresponding to the data bucket. In some embodiments, log data comprising access records to a data bucket may be analyzed to determine access requirements for a set of entities. In some such embodiments, the access requirements for the set of entities may then be used to generate an access policy for the data bucket.
    Type: Grant
    Filed: October 15, 2019
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Seth Patrick Carroll, Timothy Elliott
  • Patent number: 10832273
    Abstract: A computer-implemented method for incentivizing user behavior including identifying an action for a user to perform, providing the number of credits that can be earned by the user for performing the action, verifying that the user has carried out the action and awarding the credits to the user.
    Type: Grant
    Filed: April 18, 2019
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10832681
    Abstract: Methods, apparatuses, and systems of a common skill store are described herein to provide common skill storage and distribution for different virtual assistants on different provider platforms. A developer may not be bound by any virtual assistant or provider platform to develop skills in a required computer programming language, format, or style. They also need not to develop the same skill multiple times for different virtual assistants. After receiving a request to download a skill for use on any virtual assistant and provider platform, the common skill store may modify the requested program code to adapt it for the requesting virtual assistant. If a user has multiple user devices with different virtual assistants, they may only need to request the same skill one time, and the common skill store may send different sets of adapted program code to the multiple user devices with the different virtual assistants.
    Type: Grant
    Filed: February 20, 2020
    Date of Patent: November 10, 2020
    Assignee: Capital One Services, LLC
    Inventor: Rajan Jethva
  • Publication number: 20200349634
    Abstract: The present disclosure is directed to techniques to facilitate online commerce by leveraging user activity, specifically search activity for goods/services on an online platform. As described herein, the online platform refers to a turnkey e-commerce solution that enterprises use to manage electronic transactions involving their goods/services. Some techniques are directed to an improved online platform operative to predict a user's intention behind a search query and after a consider number of search queries, to have that search query as a dynamic search filter for the online platform. Other embodiments are described and claimed.
    Type: Application
    Filed: January 2, 2020
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventors: Avid GHAMSARI, Micah PRICE, Geoffrey DAGLEY, Qiaochu TANG, Jason HOOVER
  • Publication number: 20200349042
    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: Application
    Filed: July 17, 2020
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventors: Bhavik GUDKA, Eric BARNUM
  • Publication number: 20200349926
    Abstract: Techniques to dynamically customize a menu system presented to a user by a voice interaction system are provided. Audio data from a user that includes the speech of a user can be received. Features can be extracted from the received audio data, including a vocabulary of the speech of the user. The extracted features can be compared to features associated with a plurality of user group models. A user group model to assign to the user from the plurality of user group models can be determined based on the comparison. The user group models can cluster users together based on estimated characteristics of the users and can specify customized menu systems for each different user group. Audio data can then be generated and provided to the user in response to the received audio data based on the determined user group model assigned to the user.
    Type: Application
    Filed: July 17, 2020
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventors: Reza FARIVAR, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD, Austin Grant WALTERS
  • Publication number: 20200349437
    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: Application
    Filed: July 22, 2020
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventors: Christopher BRUSS, Keegan HINES
  • Publication number: 20200349595
    Abstract: System and methods for providing a target price for a target vehicle with a target mileage are provided. One exemplary method includes receiving attributes for the target vehicle, receiving prices for sold vehicles having attributes corresponding to the target vehicle attributes, and receiving mileages for the sold vehicles. The exemplary method may further include generating a linear regression model relating the sold vehicle mileages to the sold vehicle prices, and providing the target price for the target vehicle based on the model.
    Type: Application
    Filed: April 30, 2019
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventor: Jacob ANDERSON
  • Publication number: 20200349214
    Abstract: Techniques to leverage machine learning for search engine optimization (SEO). Some techniques are applicable to turnkey e-commerce solutions operating on the Internet as an online platform. These techniques use machine learning to gain insights into patterns/relationships between search terms and items for sale on the online platform. Depending on a relevancy or an accuracy of a search term to a particular item for sale, the online platform inserts the search term into the online platform such that a public search engine crawler increases a search engine result position for the online platform. Other embodiments are described and claimed.
    Type: Application
    Filed: October 9, 2019
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventors: Qiaochu TANG, Stephen Wylie, Jason Hoover, Avid Ghamsari, Micah Price, Geoffrey Dagley
  • Publication number: 20200349580
    Abstract: A system for providing notifications to client devices that includes one or more processors and one or more storage devices. The storage devices may store instructions that, when executed, configure the processors to perform operations. The operations include receiving a transaction notification from a third party; identifying a user account associated with the transaction notification; generating a push notification with a payload describing instructions to display a message and an interactive icon, and a resource identifier associated with the interactive icon, where the resource identifier includes a message ID encoding an interactive session and an action ID encoding a requested action. The operations also include transmitting the push notification to a client device associated with the user account; receiving a first indication indicating a user interaction with the interactive icon, the first indication having the resource identifier and updating the user account based on the action request.
    Type: Application
    Filed: November 22, 2019
    Publication date: November 5, 2020
    Applicant: Capital One Services, LLC
    Inventors: Maria-Andrea GERLING-OSPINA, Cara Jo RAWLS, Troy FRIEDLANDER, Naveed KHAN, Victor Raul LOPEZ VARGAS, Beth SHOUP, Michael KEATING, Angelina HUYNH, Erin RUPPERT, Lingyu CHU, Diandrea KESSE, Nicole M. WEAVER, Jacob Vernon Theodore YINGLING, Joshua Meyer WILBUR, Narayana Rao PAGOLU, Merin J. SAMUEL
  • Patent number: 10825281
    Abstract: Embodiments of systems and methods for a method to create dynamic physical representations of card numbers between purchases are described. The systems and methods may allow for the dynamic generation of numbers between purchases, responsive to a request received by a card, based on time-based rules, or other security, geo-location, or other rules. Embodiments of the systems and methods can allow for the synchronization of the current physical state of the card with a central server, and for a tally to be kept between the central server and the representation contained on a state of a transaction card.
    Type: Grant
    Filed: July 22, 2019
    Date of Patent: November 3, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Austin Walters, Jeremy Goodsitt, Vincent Pham
  • Patent number: 10824929
    Abstract: A credit card with an obscurable account identifier. The credit card further comprises a substrate defining a first surface with a chromogenic feature wherein the chromogenic feature is capable of changing from a first state and a second state based on an activating trigger. In the first state, the chromogenic feature appears with a first optical property that obscures the account identifier, and in the second state, the chromogenic feature appears with a second optical property that reveals the account identifier.
    Type: Grant
    Filed: August 12, 2019
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader Benkreira, Joshua Edwards
  • Patent number: 10825040
    Abstract: A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information.
    Type: Grant
    Filed: October 1, 2018
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventor: Daniel Loomis
  • Patent number: 10825045
    Abstract: The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction.
    Type: Grant
    Filed: April 15, 2019
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Thomas S. Poole, David E. Keating, Drew Michael Jacobs, Janusz M. Niczyporuk, Luke A. Hammock
  • Patent number: 10825017
    Abstract: A multi-function transaction card may include a card body having dimensions that are in accordance with a standard for transaction cards, an output device on the card body, and a secure element within the card body. The multi-function transaction card may pair, via a wireless connection, the multi-function transaction card with a terminal. The multi-function transaction card may receive, from the terminal, information associated with a transaction. The multi-function transaction card may generate, based on the information associated with the transaction, and using a cryptographic key, an authorization request cryptogram (ARQC), wherein the cryptographic key is stored in the secure element. The multi-function transaction card may generate, based on the ARQC, a machine-readable code. The multi-function transaction card may display, using the output device, the machine-readable code.
    Type: Grant
    Filed: April 20, 2020
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Molly Johnson, James Zarakas, Adam Vukich
  • Patent number: 10825003
    Abstract: Embodiments disclosed herein generally related to a system and method for authenticating a transfer request. A computing system receives a transfer request from a client device. The computing system determines that the monetary amount specified in the transfer request exceeds a threshold. The computing system identifies an automated teller machine (ATM) based on at least location information associated with a user of the client device. The computing system prompts the user to authenticate the transfer request at the identified ATM by transferring a message to the client device to be displayed thereon. The computing system receives an authentication attempt of the user from the ATM. The computing system compares authentication information in the authentication attempt to personal identification information associated with the user. The computing system determines that the authentication information at least partially matches personal identification information associated with the user.
    Type: Grant
    Filed: November 26, 2018
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Joshua Edwards, Michael Mossoba
  • Patent number: 10825015
    Abstract: Systems and methods using a network of wearable devices to support secure payment for a user are described. The network of wearable devices may include a wearable secure unit including a first short-range transceiver, a wearable sensory unit including a second short-range transceiver, and a wearable communication unit including a third short-range transceiver and a long-range transceiver. The systems and methods may include receiving a transaction request from a merchant device. Thereafter, the systems and methods may obtain information from the wearable secure unit configured to provide an environment in which processes and data are securely stored and executed. The systems and methods may also obtain information from the wearable sensory unit configured to capture and compare biometrics of the user with a stored profile. Based on the obtained information, the systems and methods may instruct the wearable communication unit to transmit to the merchant device user authentication data.
    Type: Grant
    Filed: March 7, 2018
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventor: David Kelly Wurmfeld
  • Patent number: 10825062
    Abstract: A system may include an aggregate model comprising a plurality of modules, a monitoring dashboard in communication with the aggregate model, and a search-marketing campaign manager in communication with the aggregate model, the monitoring dashboard, and a search engine entity. Additionally, the system may include a bidding interface in communication with the aggregate model and a search engine entity and/or a monitoring dashboard configured to generate model adjustment data. The search-marketing campaign manager may be configured to determine trend data, measured marketing indicators, or both, from one or more of marketing data or historical data.
    Type: Grant
    Filed: September 4, 2019
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Patrick Manion, Edmond Truong, Meng Sun, Jie Shen
  • Patent number: 10824528
    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: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Bhavik Gudka, Eric Barnum