Patents Assigned to Capital Ones Services, LLC
  • Patent number: 12212562
    Abstract: Multi-factor authentication systems and methods are provided that include receiving a request to authenticate a user of a mobile device. The request for authentication may include credential information associated with the user and vehicle data. A determination may be made regarding whether the vehicle data was obtained from a vehicle via the mobile device. The received vehicle data and received credential information may be compared to stored data. When there is a match between the received vehicle data and received credential information and corresponding stored data, a notification may be provided to the user device indicating that the user has been authenticated.
    Type: Grant
    Filed: May 1, 2023
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Timur Sherif, Steve Blanchet, Hannes Jouhikainen, Zviad Aznaurashvili
  • Patent number: 12212816
    Abstract: In some embodiments, a system transmits a shared presentation to user devices associated with users. Then, in response to an inquiry from a first user associated with a first viewing device, the system identifies that an answer to this inquiry was covered in a previous portion of the presentation, and generates auxiliary data (e.g., an auxiliary video stream of the shared presentation) corresponding to the previous portion of the presentation. The system then causes the first viewing device to display the auxiliary data corresponding to the previous portion of the presentation, which includes an answer to the first user's inquiry, in lieu of the shared presentation. In an example, the auxiliary data may be played back at a speed that is faster than the default speed of the shared presentation.
    Type: Grant
    Filed: October 17, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Vamsi Kavuri, Mehulkumar Jayantilal Garnara, Jignesh Rangwala, Lee Adcock
  • Patent number: 12212573
    Abstract: Methods and systems are described herein for bypassing secondary tiers of authentication for particular security categories. An authentication system, when authenticating a user, may receive an authentication request with authentication data enabling authentication through a multi-tier authentication mechanism. When the request has been authenticated through a multi-tier authentication mechanism, the authentication system may identify a category associated with the request and generate a temporal unlock flag for that category of future requests, such that the temporal unlock flag indicates that multi-tier authentication is not required for a predetermined amount of time for requests of that category. The temporal unlock flag may be inserted into the user's record. When future requests of that same category are received, only a single-tier authentication mechanism may be required for authentication.
    Type: Grant
    Filed: June 30, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Geeta Shyamala, Lee Adcock
  • Patent number: 12211084
    Abstract: A computer-implemented method for providing a vehicle recommendation to a user may include: obtaining one or more vehicle images via a device associated with the user; identifying one or more user-selected images of the one or more vehicle images based on user interaction with the one or more vehicle images performed by the user via a user interface; identifying one or more first-level attributes from the one or more user-selected images; obtaining one or more vehicle identifications from the one or more user-selected images; determining one or more second-level attributes based on the one or more vehicle identifications; determining a value of each of the one or more first-level attributes and the one or more second-level attributes; determining the vehicle recommendation based on the value; and transmitting, to the device associated with the user, a notification indicating the vehicle recommendation.
    Type: Grant
    Filed: December 23, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Qiaochu Tang, Michelle Emamdie, Jiaxin Guo, Jeremy Huang, Derek Bumpas
  • Patent number: 12212699
    Abstract: System and methods for handling on-chain cryptographic resources based on conditions generated responsive to an off-chain trigger. The system may receive a transfer request that includes a resource allocation request, generate a first blockchain function request for a list of contributor identifiers and condition sets, receive the list of contributor identifiers and condition sets, determine a subset of the list of contributor identifiers and condition sets, generate a second blockchain function request, and transmit the second operation request to a blockchain node.
    Type: Grant
    Filed: October 20, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Kevin Osborn, Jeffrey Rule, Samuel Rapowitz
  • Patent number: 12212605
    Abstract: Disclosed herein are system, method, and computer program product embodiments for managing and tracking the deployment of a cloud control within a cloud network where creation of the cloud control may be distributed between different user devices in the cloud network. A cloud control is implemented using a control policy which is composed of one or more components that provide functions for executing a functionality of the cloud control. A component workflow manager delegates control of the one or more components to different user devices and tracks the development workflow of the components as they progress through workflow states until they are ready for deployment within the cloud network.
    Type: Grant
    Filed: May 11, 2022
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Scott Russo, Anthony Nelson, Shashi Chappidi
  • Patent number: 12211094
    Abstract: A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).
    Type: Grant
    Filed: April 12, 2023
    Date of Patent: January 28, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Tyler Maiman, Brendan Way, Abdelkader Benkreira
  • Patent number: 12210520
    Abstract: In some implementations, a device may store a set of data in a first database associated with a fixed storage duration and a storage parameter that restricts access associated with adding or modifying information stored in the first database. The device may process a subset of data from the set of data, wherein processing the subset of data includes performing one or more data processing operations performed via data processing operation documentation that defines the one or more data processing operations. The device may store the data processing operation documentation in a second database associated with a variable storage duration for data stored in the second database. The device may provide the first database and the second database as data sources for a data searching application to enable the first database and the second database to be searchable via a dashboard associated with the data searching application.
    Type: Grant
    Filed: September 28, 2021
    Date of Patent: January 28, 2025
    Assignee: Capital One Services, LLC
    Inventors: Sarvani Kare, James Harris, Zabihullah Tora, Andrew Stevens
  • Patent number: 12211075
    Abstract: A system and method include a kiosk processor, a device kiosk on a customer mobile device, which displays via a user interface, content and options for the customer from a third party customer service system, a customer interaction channel that receives, via an associated customer interaction network, a request to access the third party customer service system, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request to authenticate the customer, identifies a customer mobile device based on device identifiers, and evaluates risk factors associated with the customer mobile device, and a communication interface associated with the kiosk processor, that transmits, via a push notification gateway, a push notification to the device kiosk on the customer mobile device that establishes, via the network, a secure connection between the customer mobile device and the third party customer service system.
    Type: Grant
    Filed: October 23, 2023
    Date of Patent: January 28, 2025
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Lawrence Douglas, Thomas S. Poole, Hannes Jouhikainen
  • Publication number: 20250028056
    Abstract: A method for identifying correlated users. The method may include: receiving connection data for each of one or more other users; determining a degree of connection of the one or more other users to the first user; receiving query information from one or more electronic devices associated with the first user; receiving authentication information for each of the one or more other users; determining a destination of the first user based on the query information; determining one or more other user destinations for the one or more other users; identifying one or more correlated other users from the one or more other users by comparing the destination of the first user with user destinations of the one or more other users and further based on the degree of connection of the one or more other users; and providing the identified one or more correlated other users to the first user.
    Type: Application
    Filed: July 20, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Tyler MAIMAN, Samuel YIP, Bryant YEE, Haytham YAGHI
  • Publication number: 20250028879
    Abstract: Systems and methods for forecasting data drift for model monitoring. In some aspects, the system receives a current explainability vector for a machine learning model and a data drift vector for historical data profiles. The machine learning model is trained on historical data including values for a first set of features. The system generates a projected synthetic dataset using the data drift vector and updates the machine learning model based on the projected synthetic dataset. Using the current explainability vector and a future explainability vector for the updated model, the system generates a second set of features and determines a drift threshold vector for the second set of features based on values in the explainability vectors. The system determines a discrepancy score for each feature of the second set of features. The system generates an alert including features in the second set of features and their associated discrepancy scores.
    Type: Application
    Filed: July 19, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Brian BARR, Jeremy GOODSITT
  • Publication number: 20250028971
    Abstract: Systems and methods for federated learning including validation of training data on client devices before training models based on the training data. In some aspects, the system accesses local data to be used for training a local model on a client device. The system generates event metadata corresponding to events in the local data. The event metadata is based on validation data received from an external server. The validation data is inaccessible to a central server. The system determines to exclude a portion of the local data that is not validated by the event metadata and generates validated local data. The system trains the local model based on the validated local data. The system processes, using a data de-identification function, the event metadata to generate de-identified event metadata. The system transmits the local model and the de-identified event metadata to the central server.
    Type: Application
    Filed: July 21, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Jeremy GOODSITT, Michael DAVIS, Kenny BEAN, Tyler FARNAN, Taylor TURNER
  • Publication number: 20250030568
    Abstract: A conference system is described that associates a first device and a second device to the same user, compares a first input from the first device and a second input from the second device, and modifies a setting of a conference session. The first input and the second input may be a video input or an audio input. The modification may include, for example, noise removal, determination of the user's AV feed device, or removing a background image.
    Type: Application
    Filed: August 8, 2024
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Lee ADCOCK, Mehulkumar Jayantilal GARNARA, Vamsi KAVURI
  • Publication number: 20250030815
    Abstract: A conference system is described that associates at least one of a plurality of devices participating in a conference session with at least one of a plurality of users participating in the conference session, and gathers an audio/video input from the at least one of the plurality of devices. The conference system detects a designated user from the plurality of users by detecting an audio/video cue from the audio/video input, and modifies a setting of the conference session based on the designated user.
    Type: Application
    Filed: July 21, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Lee Adcock, Mehulkumar Jayantilal Garnara, Vamsi Kavuri
  • Publication number: 20250029135
    Abstract: Disclosed are methods and systems for prioritization and/or validity monitoring of shared links. For instance, a share request for a link associated with a site may be received from a sharing user computing device. The link and associated information, including a valid status, may be stored. An interaction with the site on a receiving user computing device may be detected, and the link may be determined to be valid based on the stored information. A notification including the stored link may be generated and displayed on the receiving user computing device to prompt code use. Interactions indicating code use may be monitored for, code use may be detected, and the status may be updated to invalid. If a plurality of links associated with the site have been received, the links may be prioritized for inclusion in the notification based on a determined priority among sharing users of the links.
    Type: Application
    Filed: July 17, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Kevin OSBORN, Leeyat Bracha TESSLER, Renee GILL
  • Publication number: 20250029134
    Abstract: Disclosed are methods and systems for targeted link sharing. For instance, a sharable link may be detected on a sharing user's computing device, and one or more users associated with the sharing user may be determined to be suitable to use the link. For each suitable user, an interaction history of the user, a code use behavior of the user, and information associated with the code are provided as inputs to a trained machine learning system to obtain, as output, a likelihood that the user uses the code. Each suitable user determined to have the output meet a predefined criterion may be included in a list of receiving users for display within a notification on the sharing user's computing device. The link may be distributed to a computing device of at least one receiving user selected from the list to share the link.
    Type: Application
    Filed: July 17, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Leeyat Bracha TESSLER, Joshua EDWARDS, Kevin OSBORN, Renee GILL
  • Publication number: 20250029287
    Abstract: Methods and systems are described herein for generating images based on generated clusters. The system retrieves, from an account of a user, historic events associated with the user and determines clusters of the historic events based on location and time data associated with the historic events. The system generates an input for a machine learning model for a first cluster of historic events, where the machine learning model has been trained to generate images based on clusters of historic events. The system then inputs the input into the machine learning model to cause the machine learning model to output images depicting locations associated with the first cluster of historic events. The system outputs the images in conjunction with the first cluster of historic events.
    Type: Application
    Filed: July 19, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Joshua EDWARDS, Ermenildo CASTRO, Benjamin ENG, Youbing YIN
  • Publication number: 20250029148
    Abstract: Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client.
    Type: Application
    Filed: May 24, 2024
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventor: Nikhil MURGAI
  • Publication number: 20250028524
    Abstract: Providing interactive software-development links via user interfaces, based on remotely retrieved information from remote computer networks without requiring users to transition between websites within the user interfaces may be facilitated. In some embodiments, an Application Programming Interface (API) may be provided that is configured to receive one or more commands from a first server and a second server. The system may receive via a monitoring-function installed on a client device, a first message from the first server to update a source code file stored in a software-version controlled repository. The system may determine from the first message, a source code file identifier. The system may then receive, via the monitoring-function, a second message from the second server indicating an update associated with a software-development automation service platform.
    Type: Application
    Filed: July 17, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Roger CHENG, Seth THOMAS, Gary SHAVER, Paul STAGGS
  • Publication number: 20250030682
    Abstract: A conference system is described that authenticates a user using multiple devices. The conference system authenticates a first device and associates the first device with the user. The conference system provides information for a second authentication method to the user. The conference system authenticates a second device by associating the second device with the user.
    Type: Application
    Filed: July 21, 2023
    Publication date: January 23, 2025
    Applicant: Capital One Services, LLC
    Inventors: Lee Adcock, Mehulkumar Jayantilal GARNARA, Vamsi KAVURI