Patents Assigned to Capital Ones Services, LLC
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Publication number: 20240169255Abstract: Methods and systems for generating, storing, and modifying data for feature engineering purposes. In particular, methods and systems for automatically generating feature engineering pipelines by chaining multiple transformers (models and/or function trained to transform data in specific ways) and estimators (e.g., algorithms trained with input data to generate transformers) in a sequential order based on feature attributes. To determine the specific transformers and estimators, the system may access a shared knowledge database, graph engine, and pipeline engine.Type: ApplicationFiled: November 17, 2022Publication date: May 23, 2024Applicant: Capital One Services, LLCInventors: Muralikumar VENKATASUBRAMANIAM, Enwang ZHOU, Fei TONG
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Publication number: 20240171570Abstract: Techniques generally directed to performing verification techniques with one or more wireless interfaces based on a provided pattern.Type: ApplicationFiled: November 18, 2022Publication date: May 23, 2024Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Kevin OSBORN, Wayne LUTZ
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Publication number: 20240171582Abstract: Methods and systems are described herein for moving access tokens for validating network operations between user accounts to prevent malicious or nonaligned usage. The system may determine that a user is associated with a first user account and a second user account, retrieve parameters associated with the first and second user accounts, determine that an access token is available for migration, update a binding associated with the access token from the first to the second user account, and, in response to receiving a network operation request, may process the request using the second user account.Type: ApplicationFiled: November 17, 2022Publication date: May 23, 2024Applicant: Capital One Services, LLCInventors: Joshua EDWARDS, Om Prakash TRIPATHI, Jesse EMERY
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Publication number: 20240169348Abstract: Embodiments disclosed are directed to ensuring resource compliance within a cloud-based environment. The embodiments include steps for performing both pre-provisioning and post-provisioning checks of resources, such as network protocols, prior to and after their deployment within the cloud-based environment. These steps include using bitemporal analysis to determine the impact of deploying resources within the environment through the use of multiple execution timelines where the impact of deploying a resource may be evaluated on an alternative timeline that does not change the current resource scope of the cloud-based environment. The analysis may further include tracking the impact of the resource after it has been deployed to ensure resource compliance.Type: ApplicationFiled: February 1, 2024Publication date: May 23, 2024Applicant: Capital One Services, LLCInventors: Brian Lee WONG, Virendra K. ABELAK, Steven LOTT, Philip Austin KEDY
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Publication number: 20240169329Abstract: A method for machine-learning based action generation, and more specifically, using machine-learning to dynamically adjust financial account payments and fees. The method may comprise: receiving user data; determining whether a trigger condition has been met; upon determining that a trigger condition has been met, generating, using a trained machine-learning model, one or more actions based on the user data associated with the user, wherein the trained machine-learning model has been trained based on (i) training user data and (ii) training action data, to learn relationships between the training user data and the training actions data, such that the trained machine-learning model is configured to use the learned relationships to generate one or more actions in response to input of the user data associated with the user; selecting a first action of the one or more actions; and automatically executing the first action.Type: ApplicationFiled: November 22, 2022Publication date: May 23, 2024Applicant: Capital One Services, LLCInventors: Jennifer KWOK, Tania Cruz MORALES, Sara Rose BRODSKY, Abhay DONTHI, Joshua EDWARDS, Jason ZWIERZYNSKI
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Patent number: 11989607Abstract: Example embodiments of systems and methods for preventing chip fraud are provided. A chip fraud prevention system may comprise a device including a chip, wherein the chip is at least partially encompassed in a chip pocket. One or more connections may be communicatively coupled to one or more surfaces of the chip, and a capacitance member may be coupled to a surface of the chip. The capacitance member may comprise a known capacitance value and the chip may comprise a memory containing an applet, wherein the applet is configured to measure the capacitance value of the capacitance member.Type: GrantFiled: June 28, 2022Date of Patent: May 21, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Daniel Herrington, Stephen Schneider, Tyler Maiman
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Patent number: 11989696Abstract: In order to facilitate meeting room allocation and calendaring, systems and methods are disclosed including receiving electronic meeting requests to schedule a meeting. A meeting room locator machine learning model is utilized to predict meeting room parameters of a meeting room object representing a candidate meeting room based on a meeting room needs data and location information. A meeting scheduling machine learning model is utilized to predict meeting parameters of a calendar object representing a candidate meeting time based on the candidate meeting room, schedule information and the location information. An indication of the candidate meeting room and the candidate meeting time is displayed in response to the electronic meeting request on a screen associated with each attendee. A selection of the candidate meeting room and the candidate meeting time is received from each attendee, and the candidate meeting room is dynamically secured at the candidate meeting time.Type: GrantFiled: January 16, 2020Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: James Zarakas, George Bergeron, Adam Vukich
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Patent number: 11989724Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.Type: GrantFiled: August 27, 2021Date of Patent: May 21, 2024Assignee: Capital One Services LLCInventors: Kevin Osborn, Jeffrey Rule, James Ashfield, Srinivasa Chigurupati
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Patent number: 11989506Abstract: Systems and methods of the present disclosure enable database search. The systems and/or methods may include receiving a search query that includes an input document having text. Word embeddings are generated within the input document, where the word embeddings include vector representations of words in the text of the input document. An average input document word embedding vector is determined for the word embeddings of the input document. A set of stored documents is accessed, where each stored document includes a stored text has a particular average stored document word embedding vector. A similarity model is used to determine a similarity metric measuring the similarity between the input document and each stored document based on the average input document word embedding vector and the particular average stored document word embedding vector of each stored document.Type: GrantFiled: July 27, 2022Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Cruz Vargas, Phoebe Atkins, Alexander Lin, Joshua Edwards, Lin Ni Lisa Cheng, Rajko Ilincic, Max Miracolo, Brian McClanahan
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Patent number: 11989673Abstract: A system including: a processor; and a memory storing computer program code that controls the processor to: collect real-time business process metrics; collect real-time cluster metrics for a plurality of application clusters indicative of a required allotment of infrastructure resources for a given business process level; estimate a predicted future business process level; based on the estimated predicted future business process level and the real-time cluster metrics, predict a future infrastructure resource requirement of each of the plurality of application clusters; compare the predicted future infrastructure resource requirement of each of the plurality of application clusters to a current dedication of each of the plurality of application clusters; automatically adjust, in real-time and based on the comparison, respective allotments of infrastructure resources for each of the plurality of application clusters; receive an actual business process; and process the business process across the plurality ofType: GrantFiled: April 5, 2023Date of Patent: May 21, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Amit Pandey, Ateet Kumar Awasthi, Aaron L. Hoenig, Kumar Anand
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Patent number: 11990955Abstract: A network-enabled smart apparatus has a data processing system, at least one operational system, wide area and local network communication interfaces, and a memory. The memory has stored therein apparatus identification information, at least one service application, and an activation application. The activation application causes the data processing system to establish an internet connection and create an NFC-enabled web page. The data processing system transmits, to the user device instructions to navigate to the NFC-enabled web page and instructions for the user to tap an NFC-enabled smart card to the user device. The apparatus data processing system reads, via the NFC-enabled web page, NFC information transmitted to the user device by the smart transaction card. The application causes the apparatus to transmit the NFC information to a service administration server, and receive, from the service administration server, a service activation command.Type: GrantFiled: March 15, 2023Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, Jeffrey Rule
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Patent number: 11989597Abstract: Systems and methods for connecting datasets are disclosed. For example, a system may include a memory unit storing instructions and a processor configured to execute the instructions to perform operations. The operations may include receiving a plurality of datasets and a request to identify a cluster of connected datasets among the received plurality of datasets. The operations may include selecting a dataset. In some embodiments, the operations include identifying a data schema of the selected dataset and determining a statistical metric of the selected dataset. The operations may include identifying foreign key scores. The operations may include generating a plurality of edges between the datasets based on the foreign key scores, the data schema, and the statistical metric. The operations may include segmenting and returning datasets based on the plurality of edges.Type: GrantFiled: October 20, 2021Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Austin Walters, Mark Watson, Galen Rafferty, Anh Truong, Jeremy Goodsitt, Vincent Pham
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Patent number: 11989514Abstract: Disclosed herein are system, method, and computer program product embodiments for machine learning systems to process incoming call-center calls to provide communication summaries that capture effort levels of statements made during interactive communications. For a given call, the system receives a transcript as the input and generates a textual summary as the output. In order to improve a call summary and customize a summarization task to a call center domain, the technology disclosed herein may employ a classifier that predicts an effort level and attention score for individual utterances within a call transcript, ranks the attention scores and uses selected ones of the ranked utterances in the summary.Type: GrantFiled: March 18, 2022Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Aysu Ezen Can, Zachary S. Brown, Chris Symons
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Patent number: 11989721Abstract: Methods, systems, devices, and computer-readable media for a multi-party transaction decisioning system are provided. The system may analyze a purchase transaction associated with a first user and may identify that the transaction is associated with more than one party based on determining that an amount of the transaction is atypical for the first user. The system may identify a party associated with the multi-party transaction based on analyzing data associated with the first user. The system may generate a delegation request for a portion of the amount of the multi-party transaction to be delegated to the identified party and may transmit the delegation request to the identified party. Subsequently, the system may receive a payment transaction from the identified party, and the system may identify that the payment transaction is associated with the previously transmitted delegation request.Type: GrantFiled: August 19, 2021Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Vijay Sahebgouda Bantanur, Muralidharan Balasubramanian, Julie Dallen
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Patent number: 11989207Abstract: Methods and systems are described herein for synchronizing communication records in computer networks. For example, the methods and systems may determine whether or not a first communication relates to a second and generate a recommendation that the communications relate to a single communication. In particular, the methods and systems described herein describe synchronizing communication records in computer networks based on detecting patterns in categories of metadata. For example, the methods and systems retrieve specific types of metadata and compare this metadata between communications in order to synchronize and/or deduplicate them.Type: GrantFiled: March 3, 2023Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Aditya Pai, Brice Elder, Niyati Shah, Marek Sedlacek
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Patent number: 11989665Abstract: In an example embodiment, a system is described for customizing user accounts based on user actions, which may include receiving, via a user device, a first user input requesting to create an account for a user. The system may further receive, via the user device, a second user input selecting an account type for the account from a plurality of account types. In response to these user inputs, the system may retrieve, from a server, one or more account requirements for the account type, determine that the user meets the one or more account requirements and create an account in response to determining that the user meets the one or more account requirements.Type: GrantFiled: April 13, 2021Date of Patent: May 21, 2024Assignee: Capital One Services, LLCInventors: Joseph Goldstein, Thomas Dodson, Eric Delgado
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Publication number: 20240160708Abstract: A system and method for detecting and prevent identity theft attempts, such as phishing, vishing or other similar attacks is disclosed. A smart device, such as a smartphone operates in tandem with a biometric sensor, such as is included in a wearable device like a smartwatch or fitness tracker. The wearable tracks certain biometric and/or physiological data that can be used to identify whether the user is in a stressed state. The smart device then accesses usage logs that may indicate whether the stressed state is justified, such as whether the user had a calendar appointment at that time, or whether the call was received from a known contact etc. Justifications reduce the likelihood that the user's stress is a result of an identity theft attempt, whereas lack of justification increases the likelihood. In the latter scenario, the user is notified not to divulge sensitive information.Type: ApplicationFiled: November 10, 2022Publication date: May 16, 2024Applicant: Capital One Services, LLCInventors: Dwij TRIVEDI, Abhay DONTHI, Salik SHAH, Jennifer KWOK, Leeyat Bracha TESSLER
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Publication number: 20240162938Abstract: A batteryless device is disclosed. According to certain embodiments, the batteryless device may include a first communication system and a second communication system, the second communication system being a near-field-communication (NFC) system. The batteryless device may also include a power receiver coupled to the first communication system and configured to wirelessly receive power from an external device for powering the first communication system. The batteryless device may further include a controller configured to: when the first communication system is powered, establish, via the first communication system, a first wireless connection with a user device; receive, through the first wireless communication, a token from the user device; establish, via the second communication system, a second wireless connection with a terminal; and transmit, through the second wireless connection, the token to the terminal.Type: ApplicationFiled: December 13, 2023Publication date: May 16, 2024Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Paul Y. MORETON
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Publication number: 20240163280Abstract: Techniques and apparatus for providing peer-based management of user accounts are described. In one embodiment, for example, an apparatus may include at least one memory and logic coupled to the at least one memory. The logic may be configured to receive a request from at least one first user account to unlock a second user account locked responsive to a fraud event, determine a safe authentication value for the fraud event, and unlock the second user account responsive to the at least one first user account being a safe authentication account and the safe authentication value being over a safe authentication threshold value. Other embodiments are described.Type: ApplicationFiled: July 12, 2023Publication date: May 16, 2024Applicant: Capital One Services, LLCInventors: Vincent PHAM, Reza FARIVAR, Jeremy Edward GOODSITT, Fardin ABDI TAGHI ABAD, Anh TRUONG, Kate KEY, Austin Grant WALTERS
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Publication number: 20240162937Abstract: Various embodiments are directed to dynamically and temporarily adjusting power to an NFC reader of a computing device from a first power level to a second power level based on a feedback mechanism between a contactless card and the computing device. The contactless card may provide a message containing a checksum. The computing device may receive the message and calculate a checksum based on the received message. By comparing these two checksums, it may be determined whether the entire message has been correctly received. If not, the power to the NFC reader may be temporarily increased to allow better communication between the contactless card and the computing device.Type: ApplicationFiled: November 22, 2023Publication date: May 16, 2024Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Rajko ILINCIC