Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 12248771
    Abstract: A method includes providing a neural network with metrics obtained from an execution of an application in a test environment to determine rule-related weights, scaling rule results with the rule-related weights to determine scaled rule results. The method also includes re-training the neural network with the rule results of the application, an indication that the executed application is selected for deployment in the production environment, and rule results of other applications in the test environment in response to a determination that the scaled rule results fail a threshold but that the application is selected for deployment in a production environment. The method also includes providing the re-trained neural network with the rule results to generate updated rule-related weights and scaling the rule results by the updated rule-related weights to determine updated scaled rule results.
    Type: Grant
    Filed: May 9, 2022
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Roli Agrawal, Bada Kim, Varun Nalamati, Laxmi Kadariya, Patrick Tirtapraja, Nicholas Sorkin, Frank Huang, Taylor Gaskins, Hasan Alatrakchi
  • Patent number: 12250224
    Abstract: An application for dynamic, granular access permissions can include a database interface, a user interface, a login process, an administrator, an event handler and an authorization process. The database interface can be an interface to an access control permissions database that stores roles, actions, or policies for users of the application. The login process can authenticate a user and determine a default set of access control permissions for that user when they are using the user interface. The administrator can provide access control permissions for a user by using the database interface. The event handler can dynamically modify access to functionality in the user interface based on an event. The authorization process can determine whether a request from the user interface is authorized before process the request. The authorization process can use access control permissions from the administrator and either a scope limited or a temporally limited access permission.
    Type: Grant
    Filed: December 6, 2023
    Date of Patent: March 11, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Brian Childress, Sean Stokely
  • Patent number: 12248832
    Abstract: A card, system, and method for validating a user's identity with card image steganography are provided. The system includes a card, a user device, and a processor. The card comprises a face with a steganographic pattern encrypted onto its substrate. The processor is configured to receive a request associated with the card, recognize the biometric data from the steganographic pattern on the card, and verify the user's identity by matching the user's biometric to the card's biometric.
    Type: Grant
    Filed: March 7, 2023
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule
  • Patent number: 12248932
    Abstract: In the disclosed transaction processing system, a system and method are described that increase the ease of access and use of different currency networks by consumers using customizable transaction devices. The customizable transaction devices may be re-programmed prior to or during a currency transaction in accordance with the consensus protocol of the currency network associated with the currency transaction. The currency network further includes one or more host devices, each of which include an interface configured to communicate with a transaction device for the purposes of re-programming a Field Programmable Gate Array (FPGA) of the transaction device according to one or more currency network consensus protocols. Optimizing the performance of transaction devices for proof-of-work or other consensus protocol processing decreases the latency associated with validating currency network transactions, thereby increasing the suitability of cryptocurrency for retail transactions.
    Type: Grant
    Filed: November 6, 2020
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad, Anh Truong, Vincent Pham
  • Patent number: 12249137
    Abstract: A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.
    Type: Grant
    Filed: December 21, 2023
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Jason Pribble, Daniel Alan Jarvis, Nicholas Capurso
  • Patent number: 12249228
    Abstract: Disclosed embodiments may include a system for intelligent alerting. The system may receive data and activity status information corresponding to a user. Based on the data and activity status information, the system may determine whether a first user alert is required, and if so, may determine a first type of alert and a first time to present the first type of alert to the user. The system may cause a user device to present the first type of alert to the user at the first time.
    Type: Grant
    Filed: May 13, 2022
    Date of Patent: March 11, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Tyler Maiman
  • Patent number: 12248460
    Abstract: Transaction processing systems in accordance with aspects of the invention may process a variety of transactions. Transaction processing systems may include a transaction processing device and a distributed processing system. The transaction processing device obtains transaction requests from a variety of client devices and process the transaction requests. The distributed processing system may also obtain the transaction requests and maintain a transaction history of the transaction requests obtained and/or processed by the transaction processing device. Both the distributed processing system and the transaction processing device may send a transaction succeeded event based on the transaction being processed successfully. The transaction processing device and distributed ledger may also maintain an indication of if a particular transaction has been processed.
    Type: Grant
    Filed: February 14, 2024
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventor: Jacob Creech
  • Patent number: 12248879
    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. A method can include receiving observations and a corresponding class label, determining a candidate key based on the observations, determining a current memory state of a memory module based on a similarity of stored keys to the candidate key, generating a measurement vector based on the current memory state, concatenating the candidate key and measurement vector to form a state vector, determining, based on the state vector and an action distribution policy, an action of a plurality of actions such that the determined action maximizes an expected reduction in entropy as compared to the remaining actions of the plurality actions, executing the determined action, determining a value of the determined action, and updating, based on the value, the action distribution policy.
    Type: Grant
    Filed: November 23, 2020
    Date of Patent: March 11, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Omar Florez Choque, Erik Mueller
  • Patent number: 12248084
    Abstract: In some implementations, a user device may receive one or more first advertisements from one or more first beacons. Accordingly, the user device may exchange check-in messages with a remote device based on the one or more first advertisements. The user device may track a location using at least one or more signal strengths associated with the one or more first beacons and one or more signal strengths associated with one or more second beacons. The user device may further display and update a map based on tracking the location. The user device may receive one or more second advertisements from the one or more second beacons. Accordingly, the user device may request first information associated with the one or more second beacons that is different from second information associated with one or more third beacons. The user device may further display the first information.
    Type: Grant
    Filed: July 14, 2022
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Imren Johar, Ray Cheng, Leeyat Bracha Tessler, Daniel Marsch, Rocky Guo, Bryant Yee, John Jones
  • Patent number: 12248928
    Abstract: A method is provided including: receiving, by a server from a user device, a cryptogram of a contactless card, wherein the user device receives a payment request message from a merchant device, and the user device receives the cryptogram from a contactless card upon taping the contactless card to the user device by a user prompted by the payment request message; validating and decrypting, by the server, the cryptogram; extracting, by the server, from the decrypted cryptogram a unique customer identifier associated with the user; verifying, by the server, the unique customer identifier; retrieving, by the server from a database, account information of the user; and calling, by the sever, one or more application programming interfaces (APIs) of the merchant device to make a payment in response to the payment request message; and provisioning, by the server, the account information to the merchant device via the APIs.
    Type: Grant
    Filed: March 13, 2023
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule, Rajko Ilincic
  • Publication number: 20250077946
    Abstract: Systems and methods for ranking user interface elements using explainability vectors. The system receives training data for a ranking machine learning model. The training data comprises values for a first set of features. The system trains the ranking machine learning model using the training data. The system processes the ranking model to extract an explainability vector. Based on the explainability vector, the system processes the first set of features to generate a second set of features. The system processes the second set of features and the output of the predictive machine learning model to generate an explanative factor and trains a ranking model using the explanative factor and a third set of features. The system receives as output from the ranking model a vector indicating display positions and rankings of user interface elements.
    Type: Application
    Filed: August 28, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventors: Samuel SHARPE, Christopher Bayan BRUSS, Brian BARR
  • Publication number: 20250077981
    Abstract: Systems and methods for generating contextual data for downstream models using explainability vectors. The system receives training data for an upstream machine learning model. The training data comprises values for a first set of features. The system trains the upstream machine learning model using the training data. The system processes the upstream machine learning model to extract an explainability vector. Based on the explainability vector, the system processes the first set of features to generate a second set of features. The system processes the second set of features and the output of the upstream machine learning model to generate an explanative factor and trains a downstream model using the explanative factor and a third set of features.
    Type: Application
    Filed: August 28, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventors: Samuel SHARPE, Christopher Bayan BRUSS, Brian BARR
  • Publication number: 20250080539
    Abstract: Systems and methods for dynamically mediating user access to resources based on user and administrator system input. In some aspects, the system may receive a first resource access request. The system may transmit a request for configuration criteria. The system may receive a plurality of configuration parameter sets. The system may determine a first access configuration. The system may provide access to the first resource according to the first access configuration.
    Type: Application
    Filed: September 6, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventors: Garrett JONES, Elise RIVAS, Pramod POOJARY, Lakshmi Narasimha Sarma KATTAMURI, Chandrasekar THIRUNAVUKKARASU, Sowmyanarayanan GOVINDAN, Charlie SIZE
  • Publication number: 20250080536
    Abstract: Systems and methods for dynamically mediating user access to resources based on user and administrator system input. In some aspects, the system may receive a resource access request. The system may retrieve a plurality of resource groupings. The system may determine a first grouping of the plurality of resource groupings. The system may obtain a set of access configurations. The system may receive a requested access configuration. The system may provide access to the first resource.
    Type: Application
    Filed: September 6, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventors: Garrett JONES, Elise RIVAS, Pramod POOJARY, Lakshmi Narasimha Sarma KATTAMURI, Chandrasekar THIRUNAVUKKARASU, Sowmyanarayanan GOVINDAN, Charlie SIZE
  • Publication number: 20250080542
    Abstract: Systems and methods for managing resource access permissions for users with unknown credentials are disclosed herein. A resource access request may be received. A measure of risk may be determined. In response to determining that a first access level is permitted, the first user identifier may be inserted in a first access control list. Based on information regarding resources accessed by the first user, an updated measure of risk may be determined. In response to determining that a second access level is permitted, the first user identifier may be inserted in a second access control list.
    Type: Application
    Filed: September 6, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventor: Dominic Joseph CANNIZZARO
  • Publication number: 20250080476
    Abstract: Systems and methods for ranking access configurations for requested resources. In some aspects, a system receives a resource access request from a user. The system obtains a resource access history for the user. The system generates access configurations available to the user. The system generates a plurality of probabilities using a machine learning model. The system, based on comparing probabilities with a threshold probability, determines a subset of access configurations. The system generates an access benefit metric for each access configuration. The system generates a representation of access configurations according to access benefit metrics.
    Type: Application
    Filed: September 6, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventor: Dominic Joseph CANNIZZARO
  • Publication number: 20250077495
    Abstract: Methods and systems for scalable dataset content embedding for improved searchability. For example, the system may retrieve a first dataset from a first data source. The system may generate a first data profile of the first dataset. The system may generate a latent index of the first data profile based on processing the first data profile using a first embedding algorithm. The system may receive, via a user interface, a first request for a first text string. The system may generate an embedded request corresponding to the first request based on processing the first text string using the first embedding algorithm. The system may process the embedded request using the latent index. The system may generate for display, in the user interface, a result based on processing the embedded request using the latent index.
    Type: Application
    Filed: August 30, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventors: Taylor TURNER, Jeremy GOODSITT, Michael DAVIS, Kenny BEAN, Tyler FARNAN
  • Publication number: 20250080605
    Abstract: Routing peer-to-peer communications via telecommunications networks based on bifurcated user-specific sentiment analysis may be facilitated. In some embodiments, a system may generate a sentiment value related to each utterance of a set of utterances associated with a user by providing each utterance of the set of utterances to a sentiment machine learning model. The system may bin each utterance into a set of bins based on the sentiment values. The system may determine a sentiment probability of each bin of the set of bins by randomly sampling a subset of utterances corresponding to a respective bin of the set of bins. The system may determine an overall sentiment probability for a transcript based on the determined sentiment probability of each bin. In response to receiving a communication request, the system may route the communication request to an agent based on the overall sentiment probability satisfying a threshold sentiment probability.
    Type: Application
    Filed: October 13, 2023
    Publication date: March 6, 2025
    Applicant: Capital One Services, LLC
    Inventor: Deepak RAMAMOHAN
  • Patent number: D1066317
    Type: Grant
    Filed: April 6, 2022
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventor: David Kelly Wurmfeld
  • Patent number: D1066318
    Type: Grant
    Filed: April 6, 2022
    Date of Patent: March 11, 2025
    Assignee: Capital One Services, LLC
    Inventor: David Kelly Wurmfeld