Patents Assigned to Capital Ones Services, LLC
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Patent number: 11356560Abstract: A device receives, from a user device, a communication associated with a support issue encountered by a user of the user device and assigns the communication to a position in a support queue based on when the communication is received, wherein the support queue includes data identifying positions of other communications received from other users, and data identifying when the other communications were received. The device processes data identifying the communication and historical communication data describing prior communications associated with the user, with a model, to determine an average time spent on hold by the user for the prior communications. The device modifies the position of the communication in the support queue based on the average time and performs one or more actions based on modifying the position of the communication in the support queue.Type: GrantFiled: January 25, 2021Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Joshua Edwards, Abdelkadar M'Hamed Benkreira, Michael Mossoba, Alexandra Colevas
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Patent number: 11356439Abstract: A device detects a communication involving a user associated with an account and a service representative, and sends, to a user device associated with the account, an authentication notification that causes the user device to display an authentication field for the user. The device sends, to a service representative device associated with the service representative, a message that indicates that the service representative is to request, via the communication, the user to enter personal information associated with the user into the authentication field, where the user device is configured to generate a first authentication code based on a user input received from the user device in the authentication field. The device generates a second authentication code based on personal information associated with the account from a data structure, receives the first authentication code, and performs an action based on the first authentication code and the second authentication code.Type: GrantFiled: August 19, 2019Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Jeremy Goodsitt, Austin Walters, Fardin Abdi Taghi Abad, Mark Watson, Anh Truong, Vincent Pham, Reza Farivar
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Patent number: 11356389Abstract: Methods and systems are described for generating dynamic conversational responses using two-tier machine learning models. The dynamic conversational responses may be generated in real time and reflect the likely goals and/or intents of a user. The two-tier machine learning model may include a first tier that determines an intent cluster based on a feature input, and a second tier that determines a specific intent from the cluster.Type: GrantFiled: June 22, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Kunlaya Soiaporn, Victor Alvarez Miranda, Pamela Katali, Arturo Hernandez Zeledon, Rui Zhang, Kwan-Yuet Ho
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Patent number: 11354394Abstract: Various embodiments are generally directed to identity verification using autonomous vehicles. A security policy may be used to determine when identity verification using autonomous vehicles is required. The autonomous vehicle may be deployed to a location to verify the identity of the user based on one or more of images, audio data, biometric data, and wireless data connections.Type: GrantFiled: October 7, 2019Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Joshua Edwards
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Patent number: 11356514Abstract: Arrangements for automatically detecting bi-directional artificial intelligence (AI) communications and automatically negotiating (i.e., switching to alternative) direct digital communications.Type: GrantFiled: August 17, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventor: Andrew Doane
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Patent number: 11354524Abstract: Computer-implemented techniques and systems for generating vehicle profiles may include scanning a plurality of vehicles, each vehicle located at a respective vehicle location, identifying respective vehicle locations for each of the plurality of vehicles, based on scanning the plurality of vehicles, associating a vehicle identification tag for each vehicle with its respective vehicle location, interpreting a signal to determine a user location, determining that the user location is within a threshold distance from a first vehicle location of a first vehicle from the plurality of vehicles, providing a first vehicle identification tag corresponding to the first vehicle based on determining that the user location is within the threshold distance, generating a first vehicle profile based on the first vehicle identification tag, and providing the first vehicle profile to a user device.Type: GrantFiled: May 3, 2021Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Qiaochu Tang, Geoffrey Dagley, Micah Price
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Patent number: 11354899Abstract: A device having extended reality capabilities may capture a video feed including one or more video frames depicting an object that is visible in a field of view of the device. The device may provide the one or more video frames to a machine learning model that identifies the object and one or more parts of the object that are depicted in the one or more video frames. The device may obtain positional tracking information that represents a position and an orientation associated with the object relative to a coordinate space that corresponds to the field of view of the device. The device may obtain a workflow including a sequence of content items for visually inspecting the object using the extended reality capabilities of the device. The device may render digital content associated with the workflow using the extended reality capabilities of the device.Type: GrantFiled: March 12, 2021Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Qiaochu Tang, Micah Price, Jason Hoover, Geoffrey Dagley, Stephen Wylie
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Patent number: 11354567Abstract: The present disclosure relates to systems and methods for classifying data sets using associated functions from neural networks. In one example, a system for classifying data sets by corresponding functions includes 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 perform operations including: obtaining a neural network associated with a data set, the neural network being trained to generate synthetic data sets related to the data set; selecting a test set of inputs to the neural network; obtaining a corresponding set of outputs by applying the neural network to the test set of inputs; estimating one or more functions describing the test set of inputs and the corresponding set of outputs; and indexing the estimated one or more functions to the data.Type: GrantFiled: April 14, 2021Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Austin Walters, Jeremy Goodsitt
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Patent number: 11354104Abstract: Systems and methods associated with performing checkpoint and build processing associated with a continuous integration/continuous deployment (CI/CD) pipeline. In one embodiment, an exemplary method may include identifying an outside dependence for a new cloud process to be integrated into a CI/CD build of a CI/CD pipeline, determining on a periodic or ongoing basis whether a current status of the outside dependence identifies it as incomplete such that a new cloud process would not perform as desired until the dependence is complete, preventing the new cloud process from being integrated into the CI/CD build until the current status indicates that the outside dependence is complete, and integrating the new cloud process into the CI/CD build when the current status indicates that the outside dependence is complete.Type: GrantFiled: July 27, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Christopher Marc Licata, Jeremy Green, Nicholas Lykins, Annemarie Daddis
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Patent number: 11354375Abstract: A method including receiving an indication for a digital alert associated with a specific action for a user account of a user; generating and outputting a first message comprising a web page link; receiving an indication of a request to access the web page link by the user device; responsive to receiving the indication of the request to access the web page link, accessing, based on the indication for a digital alert, user-specific information associated with the user account from the at least one third-party device; and generating, based on the indication for a digital alert and the user-specific information, a customized user interaction-specific web page comprising the user-specific information associated with the user account and at least one user input field.Type: GrantFiled: June 8, 2020Date of Patent: June 7, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: DiAndrea Kessee, Lingyu Chu
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Patent number: 11354697Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the one or more processors may be configured to calculate an overall merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the overall merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.Type: GrantFiled: May 18, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Dan Givol, Saumya Singh, Anand Kumar, Michelle S. Olenoski
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Patent number: 11354690Abstract: Described herein is a system for providing version control across APIs. In an embodiment, an application of a client device may transmit communications to a service application API that are in a format not accepted by the service application API, using the application API. A central (or public) API may receive the communication transmitted by the application's API. The central API may identify the versions of the application's API and the service application API. The central API may format the communication based on the mapped fields, to a format accepted by the service application API. The central API 106 may forward the formatted communication to the service application.Type: GrantFiled: May 22, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Satish Kesiboyana, Rajaboopathy Vijayaraghavan, Pedro Betancourt, David Gillam
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Patent number: 11354889Abstract: A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.Type: GrantFiled: August 28, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Jason Pribble, Daniel Alan Jarvis, Nicholas Capurso
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Patent number: 11354735Abstract: A system for interfacing with a decisioning service from a third-party domain. A backend system may receive a request to interface with the decisioning service to generate a prequalification result for a user for a specified product, in response to the actuation of a button included in a third-party web domain rendering a product. The backend system may execute a call on a website of the decisioning service. The backend system may receive the product information from the button. The backend system may generate the website within the third-party domain, including a request for information about the user, in response to executing the call to the website. The backend system may transmit a request for generating prequalification result for the product to the decisioning service. The backend system may receive the prequalification result from the decisioning service.Type: GrantFiled: May 22, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Satish Kesiboyana, Rajaboopathy Vijayaraghavan, Kush Patel, Jeffrey Roberts, Dustin Ryan Nation, Jonathan Darling, Venkata Sudharsan Dasa
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Patent number: 11354554Abstract: A dynamic transaction card that is manufactured using conductive plastic jumpers that will dissolve when in contact with a solvent used to tamper with the dynamic transaction card. Internal components of a dynamic transaction card may be manufactured using a synthetic or semi-synthetic organic material, such as, for example, plastics. These materials may be conductive to provide functionality to a dynamic transaction card, such as a connection between an integrated circuit and other card components such that when the materials dissolve, the connections are broken and the dynamic transaction card may be inactive due to the loss of various connections.Type: GrantFiled: February 12, 2021Date of Patent: June 7, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: David Wurmfeld, James Zarakas, Theodore Markson, Saleem Sangi, Tyler Locke, Kevin P. Kelly
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Patent number: 11354730Abstract: Disclosed are systems and methods for identifying location-based information associated with a product on a web page. The method may include: detecting user navigation by the user of the web page; detecting the at least one product on the web page; identifying one or more merchants having the detected at least one product in stock; determining a user location of the user; determining the identified one or more merchants having the detected at least one product in stock and having a location within a predetermined distance of the user location; generating a list of merchants, the list including the determined one or more merchants having the detected at least one product in stock and having the location within the predetermined distance of the user location; and executing a browser extension to display, on the web page associated with the at least one product, the generated list of merchants.Type: GrantFiled: November 16, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Abdelkader Benkreira, Joshua Edwards, Michael Mossoba
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Patent number: 11354648Abstract: A transaction card receives sound waves that represent a user command, where the user command identifies one or more transaction restrictions of the transaction card. The transaction card converts the sound waves to a digital signal and identifies, based on an analysis of the digital signal, user command data that identifies the user command. The transaction card sets, based on identifying the user command data, one or more transaction restriction values for the one or more transaction restrictions. The transaction card receives transaction metadata associated with a transaction and determines whether the transaction is compliant with the one or more transaction restrictions. The transaction card causes, based on determining whether the transaction is compliant with the one or more transaction restrictions, the transaction to be processed by a server device, or to be declined.Type: GrantFiled: March 9, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Rajko Ilincic, Sarah J. Cunningham, James Zarakas, William F. Carroll, George Bergeron
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Patent number: 11356846Abstract: Various embodiments are directed to localizing and identifying a mobile computing device using a short-range mesh network. A user of the mobile computing device may be authenticated. When the mobile computing device connects to the mesh network, the location of the mobile computing device may be determined by determining which mesh network nodes the mobile computing device is connected to, triangulating the position of the mobile computing device based on signal direction via directional antennas arranged on the mesh network nodes, and/or measuring signal strength of the mobile computing device at the mesh network nodes.Type: GrantFiled: December 4, 2019Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Kevin Osborn, David Wurmfeld
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Patent number: 11354555Abstract: Exemplary embodiments relate to updatable displays for transaction cards, such as credit cards or event passes. The displays may be, for instance, an electrophoretic or memory liquid crystal diode display. The transaction card may include a contact pad capable of engaging in wireless communication. Information may be exchanged between the transaction card and a mobile device or terminal, where a processor on the mobile device processes the received information to generate displayable information. The processor updates the display with the displayable information. The contact pad may be electrically connected to the display, and the display may derive electrical power to perform the updating from the wireless communication. For example, where the wireless communication is a near field communication (NFC), a radio frequency field may be generated that supplies enough power to run the processor and at least partially update the display.Type: GrantFiled: May 4, 2021Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Bryant Yee, Tyler Maiman, Kevin Osborn
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Patent number: 11354689Abstract: A computer-implemented method for determining auction prices of vehicles may include obtaining wholesale auction price data indicative of wholesale auction prices and vehicle attribute values of a plurality of vehicles; grouping the plurality of vehicles into a plurality of vehicle groups respectively associated with a plurality of characteristics; determining a plurality of regression models respectively based on the plurality of vehicle groups; obtaining information describing a target vehicle; based on the target-vehicle values and values for the one or more economic indicators, determining an estimated wholesale auction price of the target vehicle using an identified regression model of the plurality of regression models; determining a discount factor representing an expected discount of a post-repossession auction price of the target vehicle from the estimated wholesale auction price; and determining an estimated post-repossession auction price of the target vehicle based on the estimated wholesale auctiType: GrantFiled: March 30, 2020Date of Patent: June 7, 2022Assignee: Capital One Services, LLCInventors: Yingbo Li, Senthil Natarajan, Mark Pond, Amitayu Pal