Patents Assigned to Capital One
  • Patent number: 12020237
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.
    Type: Grant
    Filed: April 18, 2023
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Paul Moreton
  • Patent number: 12021847
    Abstract: Methods and systems disclosed herein describe tokenizing data to generate a secure token that is limited in scope (e.g., directed to a specific recipient) and limited in time (e.g., valid for only a specified period of time). A detokenization process may be employed to recover encrypted data of the secure token without the need for any relational database lookup processes, thereby reducing cost while maintaining robust protection against unintended recipients that attempt to recover the encrypted data.
    Type: Grant
    Filed: May 3, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Hao Cheng, Rohit Joshi, Ashish Gupta
  • Patent number: 12021995
    Abstract: A system may comprise one or more processors, a memory in communication with the one or more processors, and storing instructions, that when executed by the one or more processors, are configured to cause the system to perform a method for decrypting an encrypted message. The method may include providing an encrypted code to a first user, receiving one or more first images comprising the encrypted code from a first user device associated with the first user. The method may include determining whether the first user device is a trusted device for the encrypted code. The method may include mapping the encrypted code to a first sequence of alphanumeric characters associated with the encrypted code. The method may include providing the first decrypted code comprising the first sequence of alphanumeric characters to the first user device for display in augmented reality proximate the encrypted code.
    Type: Grant
    Filed: March 31, 2021
    Date of Patent: June 25, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jonatan Yucra Rodriguez, Sahil Verma, Jonathan Guan, Jennifer Chu
  • Patent number: 12019537
    Abstract: Techniques for feature-based deployment pipelines are disclosed. The feature-based deployment pipelines use a service file as well as other manifest files to set up a repository, a continuous integration service to initiate testing, and a container orchestration system to build images and establish version control over the system. The feature-based deployment pipelines invoke sequential stages to enable feature branches of an application to be fully tested before proceeding to a succeeding stage. At each stage, relevant stakeholders are able to evaluate the new features before they become part of the master image of the tested application. A variety of validation and performance tests are conducted at each stage, resulting in a fully vetted application available for a consumer.
    Type: Grant
    Filed: February 25, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventor: Willem Hattingh
  • Patent number: 12020023
    Abstract: Systems and methods are disclosed for providing a CI/CD pipeline that decouples delivery of product configuration changes from code and similar changes, otherwise bundled/handled together with such configuration changes, for delivery to a running application in production. An exemplary method may include configuring components of CI/CD application in production to subscribe to application updates during runtime; processing an update to the application; processing/handling the update to process only configuration changes for propagation to subscribed components; validating the configuration changes; and instructing a workflow engine to: determine whether the configuration changes are needed for each component, update the components in runtime memory, if so, and provide the validated changes as an update in a next processing cycle to deploy such changes during the runtime.
    Type: Grant
    Filed: August 8, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Stalin D'Souza, Charles Wang, Stephen Mendez
  • Patent number: 12019839
    Abstract: In some implementations, a system may obtain a graphical user interface (GUI) template that includes tiles corresponding to plug-ins. The system may generate, from the GUI template, category GUIs corresponding to categories and including a subset of the tiles. The system may identify account identifier(s) associated with a user identifier and one or more of the categories. The system may generate a user-specific GUI associated with a user account associated with the user identifier and including a subset of the category GUIs based on the account identifier(s). The plug-ins corresponding to the subset of the tiles may incorporate account data associated with at least one of the user account or the account identifier(s). The system may transmit, to a user device associated with the user account, the user-specific GUI.
    Type: Grant
    Filed: July 10, 2023
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Margaret Branton, Mengda Qi, Joelle Panza, Andrew Turner
  • Patent number: 12019852
    Abstract: A system may include processor(s), and memory in communication with the processor(s) and storing instructions configured to cause the system to orient webpage content based on user attention. The system may determine a user has navigated to a webpage. The system may generate an attention level based on received user feature(s) associated with activity of the user on the webpage. Responsive to determining the attention level exceeds a predetermined threshold, the system may identify a duration associated with the attention level, transmit an offer to one or more entities to submit predetermined content based on the duration, receive predetermined content from the one or more entities, identify, based on a predetermined amount of predetermined content space, selected content of the received predetermined content for placement on the webpage, and cause a GUI of the user device to display the selected content.
    Type: Grant
    Filed: July 8, 2022
    Date of Patent: June 25, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Anh Truong, Brian Barr, Christopher Wallace, Samuel Sharpe, Galen Rafferty, Jeremy Edward Goodsitt, Austin Walters, Grant Eden
  • Patent number: 12019675
    Abstract: A device may receive image data representing a document, the document including: text, and edges. Based on the edges, the device may identify, a segment of interest within the image data and crop the segment of interest to obtain a portion of the image data. In addition, the device may perform optical character recognition on the portion of the image data, the optical character recognition producing recognized text. The device may obtain, based on the recognized text, validation data that includes verification text, and determine whether the recognized text is verified based on the verification text. Based on a result of the determination, the device may perform an action.
    Type: Grant
    Filed: March 5, 2021
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Subhashini Tripuraneni, Joseph R. Barco, Jr.
  • Patent number: 12019732
    Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on the location of a user. Transaction data indicating a plurality of transactions associated with a user account may be received. Location data indicating a plurality of locations of a user device might be received. At least a subset of the plurality of transactions may be tagged, based on the location data, with an indication that a user was present for a respective transaction. For example, a location of a merchant might be compared to a user device location indicated by the location data. A plurality of authentication questions might be generated based on the subset of the plurality of transactions. Access to the user account might be provided based on responses to the plurality of authentication questions.
    Type: Grant
    Filed: July 6, 2021
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Samuel Rapowitz, Tyler Maiman, Joshua Edwards, Viraj Chaudhary, Daniel Miller, David Septimus, Jenny Melendez
  • Patent number: 12020691
    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: Grant
    Filed: September 22, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Reza Farivar, Jeremy Edward Goodsitt, Fardin Abdi Taghi Abad, Austin Grant Walters
  • Patent number: 12020250
    Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.
    Type: Grant
    Filed: July 28, 2021
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Daniel Miller, Joshua Edwards, Jenny Melendez, David Septimus, Tyler Maiman, Viraj Chaudhary, Samuel Rapowitz, Vyjayanthi Vadrevu
  • Patent number: 12019648
    Abstract: Methods, systems, devices, and computer-readable media used by a cloud data management system for collecting data from accounts hosted by a cloud-based data warehousing system on different cloud platforms or in different cloud regions of a cloud platform. Collection of data in the multi-cloud platform and/or multi-cloud region environments may be facilitated by the on-demand creation of one or more data collection accounts. Based on the collected data, one or more data warehouse resources not managed by the cloud data management system may be discovered, configured, and onboarded to the cloud data management system.
    Type: Grant
    Filed: October 12, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Hiren Shah, Ganesh Bharathan, Sridhar Maramreddy, Naga Venkata Sriram Vadakattu, Naveen Kumar Kilaru, David Ellis, Felix Li, Yudhish Batra, Kishore Kolanu, Syed Siraj Mehmood, Nicole Markley
  • Patent number: 12020296
    Abstract: Disclosed herein are systems and methods for providing contextualized reviews. A customer can make a review, such as reviewing a product or a business, outlining their experience. To provide additional emotional context, biometric data can be obtained and compared to the customer's historical biometric data. Upon determining that the biometric data has deviated from the historical biometric data, the review data from the review can be revised to include a notification. The customer can also be alerted and warned to not post the review if their emotional state is found to be negative. The process can be repeated on a plurality of customers opted-in to the contextualized review system. For the plurality of customers, a plurality of reviews can be analyzed for a business or service provider by, for instance, emphasizing emotional reviews, ranking the reviews, or filtering out non-emotional reviews.
    Type: Grant
    Filed: May 7, 2020
    Date of Patent: June 25, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Salik Shah, Michael Mossoba, Cruz Vargas
  • Patent number: 12020102
    Abstract: Example embodiments of systems and methods for card production are provided. A card may include processing circuitry including a chip and memory. The card may include one or more antennas in communication with the chip. The card may include a first layer of material aligned within a perimeter of the card via laminate encapsulation. The first layer of material may comprise a non-rectangular shape. The first layer of material may be offset with a shape of the card. The first layer of material may be in communication with the chip. The first layer of material may comprise at least one selected from the group of steel, tungsten, titanium, or any combination thereof. The card may be compliant with one or more form factors.
    Type: Grant
    Filed: April 11, 2023
    Date of Patent: June 25, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Daniel Herrington, Suzanne Parker, Adrian Garner, Lin Ni Lisa Cheng
  • Patent number: 12021872
    Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.
    Type: Grant
    Filed: May 6, 2021
    Date of Patent: June 25, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Taurean Butler, Christine Berglund, Adam Vukich, Jessica Greenberg, Colin Hart, Mykhaylo Bulgakov, Jason Ji, Kaylyn Gibilterra
  • Publication number: 20240202810
    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 29, 2024
    Publication date: June 20, 2024
    Applicant: Capital One Services, LLC
    Inventors: Avid GHAMSARI, Micah PRICE, Geoffrey DAGLEY, Qiaochu TANG, Jason HOOVER
  • Publication number: 20240202228
    Abstract: System and methods disclosed herein are for generating labels for dynamically received textual data based on similarity with previously-labeled datasets. The system may receive first textual data. The system may determine a first timestamp at which the first textual data was received. The system may determine a first receipt range for the first textual data based on the first timestamp. The system may retrieve a plurality of datasets. The system may select a first dataset from the plurality of datasets. The system may retrieve second textual data from the first dataset. The system may determine a first similarity metric between the first textual data and the first dataset. The system may compare the first similarity metric to a threshold similarity metric. The system may determine to assign a label for the second textual data to the first textual data.
    Type: Application
    Filed: December 16, 2022
    Publication date: June 20, 2024
    Applicant: Capital One Services, LLC
    Inventors: Tania Cruz MORALES, Shannon Yogerst
  • Publication number: 20240202571
    Abstract: Systems and methods for selecting labels based on dataset similarity for machine learning model training data are disclosed herein. The system may receive a label modification request for a training datum. The system may retrieve label records corresponding to the datum identifier. The system may compare a pre-existing label with the new label. Based on determining that the pre-existing label differs from the new label, the system may generate a first dataset and a second dataset. The system may calculate a first average similarity metric and a second average similarity metric. The system may compare the first average similarity metric with the second average similarity metric. The system may generate a recommendation for a modified label.
    Type: Application
    Filed: December 15, 2022
    Publication date: June 20, 2024
    Applicant: Capital One Services, LLC
    Inventors: Haytham YAGHI, Tania Cruz Morales, Shannon Yogerst
  • Publication number: 20240202344
    Abstract: Exemplary embodiments may use word embeddings to enhance scanning of programming code scripts for sensitive subject matter, such as confidential subject matter. The scanning may be performed by a neural network in some exemplary embodiments. The neural network initially may be trained on a corpus of programming code scripts to identify keywords relating to sensitive subject matter, such as passwords, tokens or credentials. The neural network may not only identify instances of the keywords but also may identify related terms as well. The output of the scan may be a ranked list of terms in the programming code script that may relate to sensitive subject matter.
    Type: Application
    Filed: December 20, 2023
    Publication date: June 20, 2024
    Applicant: Capital One Services, LLC
    Inventors: Vincent PHAM, Kenneth TAYLOR, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD, Austin Grant WALTERS, Reza FARIVAR, Anh TRUONG, Mark Louis WATSON
  • Patent number: D1032719
    Type: Grant
    Filed: December 9, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Tyler Maiman, Lin Ni Lisa Cheng, Michael Saia