Patents Assigned to Capital One
  • Patent number: 12294648
    Abstract: Systems and methods for validating transfers between cryptographic addresses is disclosed. The systems and methods can include receiving instructions to transfer a first plurality of tokens from a first cryptographic address to a second cryptographic address. The transfer can be validated with a portion of the distributed validation processors. The method can include transferring a first plurality of tokens to the second cryptographic address. The method can include transferring a second plurality of tokens to a first distributed validation processor of the plurality of distributed validation processors. After a predetermined period of time and/or subsequent validations by the first distributed validation processors, the method can include transferring an amount greater than the second plurality of tokens to the first cryptographic address.
    Type: Grant
    Filed: March 3, 2022
    Date of Patent: May 6, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Samuel Rapowitz, Kevin Osborn, Xiaoguang Zhu
  • Patent number: 12293214
    Abstract: Aspects described herein may relate to a transaction exchange platform using a streaming data platform (SDP) and microservices to process transactions in accordance with corresponding workflows. The transaction exchange platform may receive transactions from origination sources, which may be added to the SDP as transaction objects. Microservices on the transaction exchange platform may interact with the transaction objects based on configured workflows associated with the transactions. Further, the microservices may leverage machine-learning models to determine whether transaction objects may be more effectively processed using alternative or secondary workflows. Processing on the transaction exchange platform may facilitate clearing and settlement of transactions. Some aspects may provide for dynamic and flexible reconfiguration of workflows.
    Type: Grant
    Filed: July 7, 2022
    Date of Patent: May 6, 2025
    Assignee: Capital One Services, LLC
    Inventors: Nishant Srivastava, Joshua Condon, Eric K. Barnum
  • Patent number: 12293363
    Abstract: An automated teller machine (ATM) may include an input component and one or more processors. The input component may be configured to detect multi-factor input associated with an account. The multi-factor input may include at least two of: a sequence of characters input via the input component, a force with which at least one character, of the sequence of characters, is input via the input component, a length of time over which at least one character, of the sequence of characters, is input via the input component, or a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component. The ATM may receive the multi-factor input, validate the multi-factor input in association with the account, and selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.
    Type: Grant
    Filed: February 2, 2024
    Date of Patent: May 6, 2025
    Assignee: Capital One Services, LLC
    Inventors: Abdelkadar M'Hamed Benkreira, Michael Mossoba, Joshua Edwards
  • Publication number: 20250140050
    Abstract: Systems and methods for authenticating a user identity using a sound device, the sound device comprising a card including a plurality of texture protrusions, including establishing an audio connection between a user device and an authentication system, instructing a user of the user device to generate real-time sound data, receiving the real-time sound data at the authentication system, comparing the real-time sound data to a pre-determined sound configuration to determine a match value, and upon determining the match value, causing to output a notification of the determined match value.
    Type: Application
    Filed: November 1, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Justin BOWERS, Karthik NAGESH, Christopher MATTHEWS
  • Publication number: 20250142608
    Abstract: Methods and systems for limiting resource access based on user input using an authentication token. In some aspects, the authentication token receives user input indicating a first allocation for a first resource access to be executed at a first time. The authentication token generates recommendations for a second allocation related to the first allocation. The user selects a second allocation. At the first time, the authentication token receives a first resource access request and executes the first allocation. The authentication token also transmits first metadata to an access approval system. At the second time, in response to a second resource access request, the authentication token or the access approval system compares the second resource access request to the first metadata or the second allocation to approve or decline the second resource access request.
    Type: Application
    Filed: October 27, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Armando MARTINEZ STONE, Samuel RAPOWITZ, Bryant YEE
  • Publication number: 20250139532
    Abstract: System and method of generating an executable action item in response to natural language dialogue are disclosed herein. A computing system receives a dialogue message from a remote client device of a customer associated with an organization, the dialogue message comprising an utterance indicative of an implied goal. A natural language processor of the computing system parses the dialogue message to identify one or more components contained in the utterance. The planning module of the computing system identifies the implied goal. The computing system generates a plan within a defined solution space. The computing system generates a verification message to the user to confirm the plan. The computing system transmits the verification message to the remote client device of the customer. The computing system updates an event queue with instructions to execute the action item according to the generated plan upon receiving a confirmation message from the remote client device.
    Type: Application
    Filed: January 3, 2025
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Scott Karp, Erik Mueller, Zachary Kulis
  • Publication number: 20250141936
    Abstract: Methods and systems are described herein for updating cybersecurity enforcement rules in real-time over disparate computer networks. A rule enforcement system may receive a real-time data stream. The real-time data stream may include real-time communications requiring cybersecurity verification. Real-time data communications are processed through a first rule repository. In response to determining that rule updates to rules within the first rule repository are available, a second rule repository is retrieved and brought online. Previously received real-time communication data is processed with the first rule repository and new real-time communication data is routed to the second rule repository. When previously received real-time communication data has been processed, the first rule repository is disabled.
    Type: Application
    Filed: January 3, 2025
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Srinivas Alladi, Muthukumar Kubendran
  • Publication number: 20250141867
    Abstract: Systems and methods for digital media-based user authentication are disclosed herein. In some aspects, the system may receive an authentication request. The system may transmit a user verification request based on the authentication request. The system may receive media recordings in response to the user verification request. The system may detect one or more features in the media recordings. The system may generate a plurality of risk metrics for the user based on generating risk metrics for the one or more features. The system may determine an authentication probability based on the plurality of risk metrics.
    Type: Application
    Filed: October 27, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Lawrence DOUGLAS, Jeffrey RULE, Jackson MACOMBER
  • Publication number: 20250139678
    Abstract: A computer-implemented method for recordation of interaction data is disclosed. The method may include causing, via a remote device, a first electronic application operating on a user device to: monitor activity of a second electronic application operating on the user device; detect, based on the monitoring, an interaction between a user of the user device and an entity via the second electronic application; extract interaction data associated with the detected interaction from the second electronic application; and transmit the extracted interaction data to the remote device.
    Type: Application
    Filed: October 31, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Shabnam KOUSHA, Claire M. ROWLETT, Leeyat Bracha TESSLER, Alexander CHASE, Daniel E. MILLER, Dennis DOUGHTY
  • Publication number: 20250138856
    Abstract: Systems and methods are described herein for optimizing cloud architectures using artificial intelligence models trained on standardized cloud architecture patterns corresponding to specific requirements. For example, the system may receive a first cloud architecture processing requirement. The system may receive a first set of available cloud resources. The system may generate a first feature input based on the first cloud architecture processing requirement and the first set of available cloud resources. The system may input the first feature input into a first artificial intelligence model to generate a first output. The system may determine, based on the first output, a first cloud architecture pattern for the first set of available cloud resources.
    Type: Application
    Filed: October 26, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Mohammad HASSAN, Catherine BARNES, Matthew Louis NOWAK
  • Publication number: 20250141684
    Abstract: Systems and methods for validating added components for a vehicle. In some aspects, the system may determine from a plurality of cryptographic tokens related to a plurality of assets, a cryptographic token corresponding to a validation request for an asset and received from a computing device. The system may determine whether one or more added components from the validation request are capable of being integrated with the asset in presence of one or more base components for the asset from the cryptographic token. In response to determining that the one or more added components are being integrated, the system may determine, using a first machine learning model, whether the one or more added components are credible. In response to determining that at least one component of the one or more added components is not credible, the system may generate an alert indicating the at least one component as not credible.
    Type: Application
    Filed: October 26, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Chanakya KASPA, Sikkandar SIKKANDAR PACKIAM, Arunachalam RAMASWAMY
  • Publication number: 20250139147
    Abstract: The present disclosure relates to systems and methods for parsing unstructured data with neural networks. In one implementation, a system for parsing unstructured data may include at least one processor and at least one non-transitory memory storing instructions that, when executed by the at least one processor, cause the system to: receive unstructured data; apply a classifier to the unstructured data to identify a type of the unstructured data; based on the identification, select a corresponding neural network; apply the selected neural network to the unstructured data to obtain structured data; and output the structured data.
    Type: Application
    Filed: November 7, 2024
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Anh TRUONG, Fardin ABDI TAGHI ABAD, Austin WALTERS, Jeremy GOODSITT, Vincent PHAM, Kate KEY
  • Publication number: 20250139455
    Abstract: Systems and methods for minimizing development time in artificial intelligence models by automating model selection based on dataset fittings of time-series data prior to hyperparameter optimization. The systems and methods use a scoring policy based on a plurality of labeled datasets that score one or more results contained within the aggregate statistical profile. The system may dynamically identify particular criteria in statistical data that indicates an effectiveness of a given model on a given dataset. These criteria (e.g., the scoring policy) may then be updated over time as new datasets, statistical analyses, and/or aggregated statistical profiles are developed within affecting the underlying models and/or datasets.
    Type: Application
    Filed: October 31, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventor: Michael LANGFORD
  • Publication number: 20250142325
    Abstract: In some embodiments, based on a wireless signal of a mobile device (e.g., obtained by a local device) the mobile device and a first authentication capability of the mobile device may be detected. Based on the detection of the mobile device, the mobile device may present access initiation options on a user interface of the mobile device. Based on a selection of a first option of the access initiation options via the user interface to initiate an access request for an access operation with the local device, an authentication request may be generated, where the authentication request is associated with the first authentication capability and with a first authentication tier. For example, the authentication request may be generated based on (i) the first authentication capability being detected as an authentication capability of the mobile device and (ii) the first authentication tier corresponding to an access amount of the access request.
    Type: Application
    Filed: October 27, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Mohammed Zafar IQBAL, Kevin ROSENGREN, Max DOERFLER, Brian DeLUCA, Anurag JOSHI, James DILLON, Richie HOLLINS, Jamie WARDER, William A. HODGES, Ken ALLEN
  • Publication number: 20250139502
    Abstract: Methods and systems are described herein for minimizing development time in artificial intelligence models by automating model selection based on dataset fittings of time-series data prior to hyperparameter optimization.
    Type: Application
    Filed: October 31, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Michael LANGFORD, Abhisek JANA, Rajesh Kanna DURAIRAJ
  • Publication number: 20250139220
    Abstract: Systems and methods are described herein for novel uses and/or improvements to artificial intelligence applications. As one example, systems and methods are described for the use of an artificial intelligence-based solution in identifying fraudulent documents and/or other content. In particular, the systems and methods adapt the artificial intelligence-based solution to overcome the technical problem of insufficient training data and/or solutions that are commensurate with the time frame and resources available.
    Type: Application
    Filed: October 30, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Kimberly STOCKLEY, Dexter FERGUSON, Shannon YOGERST, Claire M. ROWLETT, Tyler MAIMAN, Leeyat Bracha TESSLER, Bryant YEE
  • Publication number: 20250139456
    Abstract: Methods and systems are described herein for minimizing development time in artificial intelligence models by automating model selection based on dataset fittings of time-series data prior to hyperparameter optimization. The system may select a statistical profile type to identify in a first dataset. The system may retrieve a statistical model corresponding to the statistical profile type. The system may select, based on a first statistical profile, a first untrained model from a first plurality of untrained models for training, wherein the first plurality of untrained models comprises respective algorithms for time-series forecasting and wherein each of the first plurality of untrained models comprises default hyperparameter tuning. The system may, based on selecting the first untrained model, tune a first hyperparameter of the first untrained model using the first dataset.
    Type: Application
    Filed: October 31, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventor: Michael LANGFORD
  • Publication number: 20250139503
    Abstract: Methods and systems are described herein for minimizing development time in artificial intelligence models by automating model selection based on dataset fittings of time-series data prior to hyperparameter optimization. The systems and methods described herein aim to reduce the redundancies and improve the efficiencies of model selection, model training, and/or hyperparameter selection. The systems and methods achieve this by using information about the attributes of the time-series dataset that may be used to determine a model that may be most effective at fitting a given dataset. If a model is selected prior to hyperparameter optimization, the time and resources spent training, fitting, and/or tuning models that are not selected can be avoided.
    Type: Application
    Filed: October 31, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventor: Michael LANGFORD
  • Publication number: 20250141687
    Abstract: A method, a system, and a computer program product for transmission of information over a network. A validity token is generated based on a received contactless card identifier associated with a contactless card. The validity token is generated upon validating the contactless card using the contactless card identifier, and transmitted to a first computing device. A second computing device is identified based on an information request received from the first computing device. The information request includes a first public key associated with the first computing device and the validity token. An encrypted response to the request and a second public key associated with the second computing device are sent to the first computing device. The second computing device generates the encrypted response and encrypts it using a shared key generated using the first public key. The first computing device decrypts the response upon generation of the shared key using the second public key.
    Type: Application
    Filed: October 31, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Anthony Glynn, Soumendra Bhattacharya, Robert Mantoni
  • Publication number: 20250141895
    Abstract: Systems and methods for the creation of human-readable cyber incident reports from cyber incident logs, in which the cyber incident reports may link cyber incidents recorded in a cyber incident log to the existing knowledge sources. To do so, the systems and methods overcome the technical problems of conventional systems as well as the technical problems inherent in adapting artificial intelligence solutions to the creation of cyber incident reports.
    Type: Application
    Filed: October 26, 2023
    Publication date: May 1, 2025
    Applicant: Capital One Services, LLC
    Inventors: Vivek DATLA, Isha CHATURVEDI, Anirban DAS