Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 10817879
    Abstract: A device may obtain a notification that a transaction occurred, where the transaction is associated with a financial account of a user, and a merchant. The device may determine that the merchant is associated with providing confirmation messages for transactions, and may process, based on determining that the merchant is associated with providing confirmation messages, one or more messages in a messaging account associated with the user to determine whether the messaging account includes a confirmation message associated with the transaction. The device may determine that the messaging account does not include any confirmation message associated with the transaction, may determine a likelihood that the transaction was unauthorized based on the messaging account not including a confirmation message, and may perform an action associated with the financial account of the user based on the likelihood that the transaction was unauthorized.
    Type: Grant
    Filed: January 7, 2019
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael Mossoba, Joshua Edwards, Abdelkadar M'Hamed Benkreira
  • Patent number: 10819520
    Abstract: Various embodiments are generally directed to an identity proofing platform. The platform may receive, from a user, personally identifiable information (PII) related to a consumer and determine one or more verifications requested by the user. The verifications may be one or more of a government identification (ID) verification, a credit bureau verification, or a mobile network operator verification. The platform may send a SMS message to the consumer for consent approval and receive consent from the consumer. The platform may perform the one or more verifications, generate an identity proofing result based on the performed one or more verifications, encrypt the identity proofing result, and send the identity proofing result to the user.
    Type: Grant
    Filed: December 4, 2018
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Vivek Bharatam, Meghnath Sharma, Parvez Naqvi
  • Publication number: 20200334417
    Abstract: Disclosed are an apparatus, a system and a non-transitory computer readable medium that implement processing circuitry that receives non-dialog information from a smart device and determines a data type of data in the received non-dialog information. Based on the determined data type, the processing circuitry transforms the received first data using an input from a machine learning algorithm into transformed data. The transformed data is standardized data that is palatable for machine learning algorithms such as those used implemented as chatbots. The standardized transformed data is useful for training multiple different chatbot systems and enables the typically underutilized non-dialog information to be used to as training input to improve context and conversation flow between a chatbot and a user.
    Type: Application
    Filed: April 27, 2020
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Alan SALIMOV, Anish KHAZANE, Omar FLOREZ CHOQUE
  • Publication number: 20200334660
    Abstract: Provided, in an aspect, is a method for performing a peer-to-peer transaction with a graphical construct on a first mobile device including a processor. The method includes receiving, by the processor, a user input for performing the peer-to-peer transaction; capturing, by the processor, one or more user intents of the received user input; determining, by the processor, an expressive element in accordance with the captured one or more user intents; generating, by the processor, the graphical construct from a customization of the expressive element; and performing, by the processor, the peer-to-peer transaction with a second mobile device in communication with the first mobile device by presenting the generated graphical construct. In some embodiments, capturing one or more user intents of the received user input is based on natural language processing (NLP).
    Type: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
  • Publication number: 20200334301
    Abstract: A computer-implemented method includes tracking, by a computing device, user browsing activity of a first page having known elements; mapping, by the computing device, the user browsing activity to the known elements; storing, by the computing device, mapping information that maps the user browsing activity to the known elements; tracking, by the computing device, user browsing activity of a second page having unknown elements; identifying, by the computing device, the unknown elements based on the mapping information and the user browsing activity of the second page; and executing, by the computing device, one or more computer-based instructions based on the determining the unknown elements that were identified.
    Type: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin WALTERS, Jeremy GOODSITT, Vincent PHAM, Mark WATSON, Fardin Abdi TAGHI ABAD, Reza FARIVAR, Anh TRUONG, Kenneth TAYLOR
  • Publication number: 20200334701
    Abstract: Disclosed are methods, systems, and non-transitory computer-readable medium for testing and applying codes to electronic shopping carts. For instance, the method may include monitoring a shopping cart associated with an e-commerce website and with a user; in response to detecting a change to the shopping cart, testing codes with respect to a present content of the shopping cart to determine valid codes; selecting at least one of the valid codes; determining a status of the session; and performing an action based on the status and the at least one selected code. The testing the codes with respect to the present content of the shopping cart may include: cloning the shopping cart to form a cloned shopping cart in a shadow session; and/or obtaining the codes; and testing the codes on the cloned shopping cart in the shadow session to determine the valid codes.
    Type: Application
    Filed: April 17, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: William George HENDERSON, Robert Duke
  • Publication number: 20200336293
    Abstract: Techniques to transmit encoded data along a transmission medium and decode the transmitted data along the transmission medium are provided. Some techniques include logic to encode data transmitted along a transmission medium, such as a fiberoptic line or cable, where the encoding is pursuant to a conversion between a first and second colorspace. The logic may further be configured to decode the data once it is received at a node along the fiberoptic line, where the colorspace conversion provides the basis, key, or cipher for preforming the decoding operation. The logic may be further configured to alter the encryption and decryption basis, key, or cypher by altering the colorspace scheme defining the encoding (and by extension the decoding) during transmission, including a transmission that takes place after a previous transmission governed by the previously defined (and subsequently altered) colorspace conversion scheme. Other embodiments are described and claimed.
    Type: Application
    Filed: November 19, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT
  • Publication number: 20200334705
    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: Application
    Filed: April 18, 2019
    Publication date: October 22, 2020
    Applicant: Capital One Services, LLC
    Inventors: Abdelkader M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Patent number: 10812472
    Abstract: The present disclosure relates to systems and methods for implementing tiered authentication using position based credentials. In one implementation, a system for associating two user interface devices to provide position-based authentication for a user may include one or more memories storing instructions and one or more processors configured to execute the instructions to perform operations. The operations may include receiving a first identity associated with a first user interface device, receiving a second identity associated with a second user interface device, receiving credentials associated with the user, receiving a distance threshold, and establishing a credentialing association between the first identity and the second identity based on the credentials and the distance threshold.
    Type: Grant
    Filed: May 28, 2019
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Paul Y. Moreton, Ryan Fox, Matthew Thompson
  • Patent number: 10810531
    Abstract: This disclosure relates generally to vehicle diagnostics, and more particularly to systems and methods for vehicle tracking and service prediction. In one embodiment, a processor-implemented vehicle tracking and prediction method is disclosed. The method includes sending an electronic signal to activate in-vehicle data collection by an on-board data aggregator disposed in communication with each of an on-board vehicle computer, via an on-board diagnostic port, and one or more user devices. The method further includes receiving, aggregated in-vehicle data from the on-board data aggregator, predicting a future vehicle service event based on the aggregated data, and generating a vehicle valuation metric based on the aggregated data. The method further includes sending a notification to at least one of the on-board vehicle computer and the one or more user devices, where the notification is based on the predicted future vehicle service event and the generated vehicle valuation metric.
    Type: Grant
    Filed: January 12, 2018
    Date of Patent: October 20, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jason Hoover, Qiaochu Tang, Avid Ghamsari, Souvik Das
  • Patent number: 10810451
    Abstract: Provided, in an aspect, is a method for improving security in an automated teller machine (ATM) network, which includes prompting a user, via the ATM, to provide a biometric sample; receiving the sample from a biometric device of the ATM; determining that the sample is not blacklisted; and allowing the user to complete a transaction. Because the method includes storing anonymized event details, which include the biometric sample separate from user-identifying information, the method both improves privacy for law-abiding users and deters malicious use by others.
    Type: Grant
    Filed: October 9, 2019
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
  • Patent number: 10810475
    Abstract: Systems and methods for overmolding a card are provided. A chip fraud prevention system include a device including a chip and a substrate. The chip may be at least partially encompassed in a chip pocket, and the substrate may be at least partially encompassed by the overmold.
    Type: Grant
    Filed: December 20, 2019
    Date of Patent: October 20, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Daniel Herrington, Stephen Schneider, Tyler Maiman
  • Patent number: 10810528
    Abstract: Various embodiments are directed to techniques for organizing fulfillment of enterprise products, such as by using a request manager informed by enterprise resources and resource utilization to recommend a facility to fulfill a product request. Some embodiments are directed to identifying a product request and determining the equipment and skills necessary to fulfill the product request. Based on this information and location data, embodiments may determine a set of facilities as candidates to fulfill the request. A machine learning model may be used to analyze current resource utilization of the facilities and predict facility availability and estimated completion times for the request fulfillment. A candidate facility may be recommended for fulfillment of a request based on facility availability and estimated completion times. In some embodiments, historical resource utilization may be used to inform further staffing and equipment service decisions.
    Type: Grant
    Filed: July 19, 2019
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeremy Phillips, Ehab Awadallah, St. John G. Hill
  • Patent number: 10812279
    Abstract: In certain embodiments, an availability state of a user for joining a meeting is determined based on a physical environment of the user, and a call is initiated to the user based on the availability state indicating that the user is available for the meeting. Audio/visual data obtained from a client device associated with the user may be used to determine interaction data indicating an extent of interaction of the user with another individual. Interaction data indicating that the user is not interacting with the other individual either in person or on phone may be used to determine the availability state as being available for joining the meeting. Sensor data obtained from the client device, such as a rate of motion of the user, may also be used to determine the availability state. Meeting priority information may also be used to determine the availability state for joining the meeting.
    Type: Grant
    Filed: December 24, 2019
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Walters, Vincent Pham, Jeremy Goodsitt, Galen Rafferty
  • Patent number: 10810562
    Abstract: Disclosed herein are system, method, and computer program product embodiments for completing the transaction at another ATM upon determining that an ATM where a transaction being performed is unable to complete the transaction. Upon detection of an error condition at the ATM, a current status of the transaction being performed at the ATM and the error condition may be analyzed to determine an option to complete the transaction. Upon determination that the transaction can be completed at the other ATM, a notification may be sent to the customer. In response to the notification, information identifying the transaction may be received from the other ATM, and a session identifying the transaction may be sent to the other ATM, thereby allowing the transaction to complete at the other ATM.
    Type: Grant
    Filed: January 10, 2020
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Nathaniel McKinnon, Ehab M. Awadallah, Jeremy J. Phillips
  • Patent number: 10810386
    Abstract: An example method may include transmitting a noise signal through a reader connection of a magnetic reader element. The control component and the magnetic reader element may be associated with a card reader device of a transaction device, and the magnetic reader element may be configured to read a magnetic strip of a transaction card. The method may include receiving, from the magnetic reader element, a reader connection signal from the reader connection. The reader connection signal may include the noise signal. The method may include extracting, from the reader connection signal, a card information signal associated with the transaction card from the magnetic strip. The card information signal may be extracted based on the noise signal. The method may include performing an action associated with the card information signal.
    Type: Grant
    Filed: November 6, 2019
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Richard Post, Nathaniel McKinnon
  • Patent number: 10812478
    Abstract: Methods and systems are described for verifying an identity of a user through contextual knowledge-based authentication. The system described uses contextual knowledge-based authentication. By verifying an identity of a user through contextual knowledge-based authentication, the verification is both more secure and more intuitive to the user. For example, by relying on confidential and/or proprietary information, the system may generate verification questions, the answers to which are known only by the user.
    Type: Grant
    Filed: April 10, 2020
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Matt Davis, Pranav Khanna, Paul Melby
  • Patent number: 10810261
    Abstract: Provided, in an aspect, is a method for improved visualization of transaction data from a financial services computer network. The method includes receiving, at a computing device, a plurality of experience sets; presenting, on a display of the computing device, a graphical user interface (GUI); and updating the GUI in response to receiving a revision to the plurality of experience sets. Each experience set contains one or more transactions that relate to each other. The GUI includes a scrollable list having at least a portion of the experience set name for experience sets within a selected time period; and a calendar for the time period showing, for each day with at least one experience, a graphical element indicative of a total of all experience set amounts in that day.
    Type: Grant
    Filed: August 21, 2018
    Date of Patent: October 20, 2020
    Assignee: Capital One Services, LLC
    Inventors: Colin Hart, Allison Abbott, Matthew Horton, Emma Sagan, Kevan Emmott, Christine Ann Berglund, Jason Ji, Alexandra A. Colevas, Steven Quadros, Adnan Malik, Jared M. Alexander, Scott Golder
  • Publication number: 20200327577
    Abstract: A system for targeted email marketing includes one or more processors, and a memory storing instructions. When executed by the one or more processors, the instructions cause the system to perform operations including: generating email templates respectively corresponding to different customer marketing communications; sending first emails to first customers, in which each of the first emails includes one of the email templates in accordance with an initial allocation; compiling response information from the first customers and updating a bandit model in accordance with the response information, the bandit model for determining an allocation of the email templates to customers; determining, by the bandit model, a revised allocation of the email templates to second emails; and sending the second emails to second customers in accordance with the revised allocation.
    Type: Application
    Filed: April 11, 2019
    Publication date: October 15, 2020
    Applicant: Capital One Services, LLC
    Inventors: Edmond Truong, Jie Shen, Phanindra Venkatesh Rao, Sunil Subrahmanyam Vasisht, Patrick James Manion, Meng Sun
  • Patent number: 10803463
    Abstract: A system for authorizing a transaction includes one or more processors, and a memory storing instructions. When executed by the one or more processors, the instructions cause the system to perform operations including: receiving a configuration request associated with a financial service account via a web interface; setting a limitation in accordance with the configuration request; and generating a graphic indicium or a card number as a token for authorizing a transaction, associated with the financial service account, which satisfies the limitation in accordance with the configuration request. The token is configured to be printed on a substrate or loaded into an electronic payment system.
    Type: Grant
    Filed: June 21, 2019
    Date of Patent: October 13, 2020
    Assignee: Capital One Services, LLC
    Inventors: Eric K. Barnum, Anthony P. Reynolds