Patents Assigned to CAPITAL ONE SERVICES, LLC
  • Patent number: 10825073
    Abstract: A system for providing spending recommendations to a user. The system may include at least one memory unit storing instructions and at least one processor configured to execute the instructions to perform operations. The operations may include receiving first user shopping data based on a plurality of user shopping purchases over a first time period; determining, based on a statistical model, at least one of a temporal or a geographic trigger of the user shopping purchases; displaying a message to the user indicating the trigger; adding a rule to the statistical model based on user input; and displaying a f personalized spending recommendation, based on the rule.
    Type: Grant
    Filed: July 8, 2019
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Walters, Jeremy Goodsitt, Fardin Abdi Taghi Abad
  • Patent number: 10824928
    Abstract: An apparatus may include a memory to store instructions; and processing circuitry, coupled with the memory, operable to execute the instructions. When executed, the instructions may cause the processing circuitry to identify a matrix code; read a first layer of the matrix code, the first layer comprising a first account identifier associated with an account, wherein the first layer corresponds to a first color channel; and read a second layer of the matrix code, the second layer comprising a set of account data, associated with the account, wherein the second layer corresponds to a second color channel, different than the first color channel.
    Type: Grant
    Filed: January 9, 2020
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Austin Grant Walters, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad
  • Patent number: 10824915
    Abstract: A system for inspecting the reliability of an image. The system may include a processor in communication with a client device; and a storage medium. The storage medium may store instructions that, when executed, configure the processor to perform operations including: obtaining a plurality of images; categorizing the images into a plurality of image classes; calculating a plurality of probability outcomes; determining whether highest predicted probabilities of the images are less than a first threshold and whether an entropy of a predicted density of the probability outcomes exceeds a second threshold; indicating whether the image is associated with the image classes; ranking, the image amongst the plurality of images; filtering, a plurality of low reliability images according to a third threshold; providing, a likelihood of whether a user scanned a vehicle object associated with the image; and identifying a percentage of user scan failures.
    Type: Grant
    Filed: December 4, 2018
    Date of Patent: November 3, 2020
    Assignee: Capital One Services, LLC
    Inventors: Chi-san Ho, Sunil Subrahmanyam Vasisht, Micah Price, Aamer Charania
  • Publication number: 20200342277
    Abstract: Techniques to improve storage of information, including encoding of multimedia data on physical pages. Some techniques include logic configured to encode multimedia data pursuant to a colorspace scheme and on a piece of paper. The logic may further be configured to generate one or more colorspaces associated with the multimedia data, perform colorspace conversions based on the generated colorspaces, and encode the multimedia data pursuant to the colorspace conversions. The logic may be further configured to apply one or both of an ultraviolet layer and an infrared layer to the physical page, e.g. paper, in order to further enhance security and provide an additional vehicle for storing and encoding data on the physical page, e.g. paper. The logic may further be configured to provide a scanning device with the ability to scan and decode the encoded data one the sheet of paper. Other embodiments are described and claimed.
    Type: Application
    Filed: October 16, 2019
    Publication date: October 29, 2020
    Applicant: Capital One Services, LLC
    Inventors: Austin Grant WALTERS, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD
  • Publication number: 20200342097
    Abstract: Systems and methods are disclosed for identifying resources responsible for events. In one embodiment, a method may include determining a number of unique actors in a plurality of actors that have accessed the resource. The method may further include identifying from the plurality of actors a set of affected actors that has been affected by an event and identifying from the set of affected actors a subset of resource-affected actors that accessed the resource prior to being affected by the event. The method may further include determining a number of resource-affected actors in the subset of resource-affected actors and, based on the number of unique actors and the number of resource-affected actors, determining an event score for the resource. The event score may be a lower bound of a confidence interval of a binomial proportion of the number of resource-affected actors to the number of unique actors.
    Type: Application
    Filed: July 8, 2020
    Publication date: October 29, 2020
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Chris Moradi, Jacob Sisk, Evan Bloom, Craig Gimby, Xin Sun
  • Publication number: 20200342340
    Abstract: Techniques to use machine learning for risk management are described. Some techniques build and train a machine learning model with features of which at least one feature corresponds to risk indicia and at least one other feature corresponds to a data source. These features, in general, provide data (e.g., values) indicating a degree of relevance between a particular record and a risk assessment of that particular record's subject matter. User refinement in the form of user selections and other interactions with the particular record and other records provide insights into proper risk management. The techniques leverage such user refinement to improve upon an accuracy of the machine learning model. Driven by such insights, these techniques enhance the machine learning model with accurate feature values and feature weights to perform risk assessment. Other embodiments are described and claimed.
    Type: Application
    Filed: October 29, 2019
    Publication date: October 29, 2020
    Applicant: Capital One Services, LLC
    Inventors: Yvette JACKSON, Jeffrey CAPELLI, Jennelle SPURLOCK
  • Publication number: 20200341754
    Abstract: Techniques are described to automate deployment of an application as a cloud computing service. Such deployment may be accomplished on any underlying host infrastructure. As mentioned above, a typical application may engage in a number of build and deployment processes in order to run on a host computer with an infrastructure type. The techniques described herein may leverage an artificial intelligence computation library to identify which build and deployment processes are required by the application. Once identified, the user may select a host infrastructure type and create a container package with a runtime machine and components configure to run these build and deployment processes for that host infrastructure type. The container package may be used to generate an image from which the host computer can run the application as the cloud computing service. Other embodiments are described and claimed.
    Type: Application
    Filed: March 18, 2020
    Publication date: October 29, 2020
    Applicant: Capital One Services, LLC
    Inventors: Anoop KUNJURAMANPILLAI, Phani Krishna HARI, Radford SHIOZAKI, Baswaraj THOTA, Kenneth NAUGLE, David SCHAAF
  • Patent number: 10817264
    Abstract: A system is described which recognizes patterns or conventions that programmers follow when writing source code and creates a repository for these patterns. The system makes suggestions for variable names based on the stored patterns. The system can suggest variable names that are closest to the convention (e.g., the convention demonstrated by the stored pattern) and alert the programmer when the programmer deviates from the convention.
    Type: Grant
    Filed: December 9, 2019
    Date of Patent: October 27, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeremy Goodsitt, Mark Watson, Austin Walters
  • Patent number: 10817287
    Abstract: A processor may generate a UI. The processor may instantiate a plurality of collectors. Each collector may be configured to collect data in real time from a separate one of a plurality of data sources. Each data source may include a different type of data relating to at least one of a plurality of software delivery pipeline tasks. The processor may separately and continuously collect data from each of the plurality of data sources using the plurality of collectors. The processor may separately and continuously analyze the stored data from each of the plurality of data sources to generate a plurality of code quality metrics for the plurality of software delivery pipeline tasks. The processor may continuously report the plurality of code quality metrics through the UI.
    Type: Grant
    Filed: March 13, 2019
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Michael D. Barnard, Marc Hudak, Phanikrishna Hari
  • Patent number: 10818002
    Abstract: A computer-implemented method for processing images may include obtaining at least one image for analyzing; inputting the at least one image to at least one of a plurality of image plugins; analyzing the at least one image via the at least one of the plurality of image plugins; determining metadata related to the at least one image based on the at least one of the plurality of image plugins; filtering the at least one image based on one or more rule sets to generate at least one filtered image; sorting the at least one filtered image to generate at least one sorted image; displaying the at least one sorted image based on an organizational sequence of a webpage; displaying navigation controls via the webpage; and displaying the at least one sorted image according to a user interaction with the navigation controls on the webpage.
    Type: Grant
    Filed: November 26, 2019
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Geoffrey Dagley, Qiaochu Tang, Micah Price, Avid Ghamsari, Staevan Duckworth
  • Patent number: 10817611
    Abstract: Aspects described herein may allow for the receiving, from a detection service, a plurality of configuration parameters, wherein each configuration parameter includes a type of a risk and an associated level of the risk, with a corresponding automated remediation action for each configuration parameter. A remediation management framework authenticates the detection service for access to the remediation management framework and initiates a scanning of a system of interest, based on the plurality of configuration parameters, by the detection service, to identify one or more risk findings. The remediation management framework receives the identified one more risk findings; and matches each of the one or more risk findings with the plurality of configuration parameters, which then triggers by the remediation management framework, the corresponding automated remediation action associated with each of the one or more risk findings.
    Type: Grant
    Filed: December 18, 2019
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Anthony Glynn, Vu Nguyen, Matthew Parr, Peter Taffs
  • Patent number: 10817893
    Abstract: The disclosed embodiments include methods and systems for providing a discount or reward at the point of sale. In one embodiment a system for providing a discount at the point of sale is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions and determine discount eligibility of the one or more purchase transactions. The system may also be configured to determine a discount amount based on the determined discount eligibility and the transaction data and apply the discount to the one or more purchase transactions. Further, the system may also be configured to display the applied discount to the user.
    Type: Grant
    Filed: January 13, 2015
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventor: Moshe Benjamin
  • Patent number: 10817868
    Abstract: Aspects described herein may allow for a payment card assembly including a payment card having a first slot formed in a first surface therein, with the first slot having a bottom surface and pair of opposed side walls. A first cartridge houses electronic components and is removably received in the first slot. One or more first projections are formed on one of the first slot and the first cartridge. One or more first recesses are formed in the other of the first slot and the cartridge, with each first recess receiving a corresponding first projection to releasably retain the first cartridge in the first slot.
    Type: Grant
    Filed: February 27, 2020
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Daniel John Marsch, Abdelkader M'Hamed Benkreira, Taurean Butler, Jessica Greenberg
  • Patent number: 10818042
    Abstract: An image information overlay system retrieves an image associated with a vehicle listing and uses machine learning models to classify the image, generating identification data that may comprise a vehicle make and model, a feature or part of the vehicle present in the image, and a location of the vehicle feature or part. The identification data or an individual identifier of the vehicle, such as a Vehicle Identification Number (VIN), may be used to retrieve overlay information related to the vehicle make and model, such as recalls or known maintenance issues or information specific to the vehicle, such as mileage, accident reports, or ownership history. The overlay information is displayed on the image as an overlay at the location of the vehicle feature or part corresponding to the overlay information.
    Type: Grant
    Filed: January 14, 2020
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Geoffrey Dagley, Micah Price, Avid Ghamsari, Jason Richard Hoover
  • Patent number: 10819686
    Abstract: Computer implemented systems and methods are provided for securing data. In some embodiments, a system for securing data may comprise one or more processors configured to receive a request for data over a network. The one or more processors may be configured to identify one or more confidential portions of data within the requested data. The one or more processors may be further configured to transmit the confidential portions of data to a hardware device configured to secure the confidential portions of data, and receive the secured data from the hardware device.
    Type: Grant
    Filed: November 7, 2018
    Date of Patent: October 27, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Attaullah Baig, Vishal Parikh
  • 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: 10817804
    Abstract: A behavioral analytics platform may obtain a first data set associated with a first user and a second data set associated with a second user. The behavioral analytics platform may determine a first set of behavioral categories to classify the historical user activity data associated with the first user based on a first set of behavior vectors and determine a second set of behavioral categories to classify the historical user activity data associated with the second user based on a second set of behavior vectors. The behavioral analytics platform may populate one or more user interfaces that are accessible to the first user and/or the second user based on one or more values representing a degree to which the first set of behavioral categories and the second set of behavioral categories correspond to complementary behavioral tendencies, which may be determined using a machine learning technique.
    Type: Grant
    Filed: May 7, 2019
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Noble Ozoka, Matthew Reedy, Andrew Marr, Lin Ward
  • 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
  • Patent number: 10818037
    Abstract: Embodiments disclosed herein provide for a system and method for recalibrating an augmented reality experience in mobile devices using a plurality of physical markers. The system and methods provide for realigning the digital representation to the physical world using known physical locations associated with the physical markers that map directly to the digital representation.
    Type: Grant
    Filed: August 30, 2019
    Date of Patent: October 27, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Geoffrey Dagley, Stephen Wylie, Jason Hoover, Micah Price, Qiaochu Tang
  • Patent number: 10817912
    Abstract: A device, that is part of a network of nodes that has access to a blockchain, may receive, from a user device associated with an entity, a request for campaign information for a campaign. The request may include data identifying campaign parameters. The device may interact with smart contracts associated with the blockchain to identify individuals to target for the campaign. The smart contracts may be configured to receive the campaign parameters as input and to output an indication of whether campaign preferences are compatible with the campaign parameters. The device may generate the campaign information to include information identifying the individuals targeted for the campaign and information identifying particular campaign preferences found to be compatible with particular campaign parameters. The device may provide the campaign information to the user device to permit the user device to use the campaign information to target the individuals for the campaign.
    Type: Grant
    Filed: December 4, 2018
    Date of Patent: October 27, 2020
    Assignee: Capital One Services, LLC
    Inventors: Adam Vukich, Abdelkadar M'Hamed Benkreira, Joshua Edwards, William Carroll, Mykhaylo Bulgakov