Patents Assigned to Service
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Patent number: 12321712Abstract: Provided is a method for normalizing embeddings for cross-embedding alignment. The method may include applying mean centering to the at least one embedding set, applying spectral normalization to the at least one embedding set, and/or applying length normalization to the at least one embedding set. Spectral normalization may include decomposing the at least one embedding set, determining an average singular value of the at least one embedding set, determining a respective substitute singular value for each respective singular value of a diagonal matrix, and/or replacing the at least one embedding set with a product of the at least one embedding set, a right singular vector, and an inverse of the substitute diagonal matrix. The mean centering, spectral normalization, and/or length normalization may be iteratively repeated for a configurable number of iterations. A system and computer program product are also disclosed.Type: GrantFiled: December 6, 2023Date of Patent: June 3, 2025Assignee: Visa International Service AssociationInventors: Yan Zheng, Michael Yeh, Junpeng Wang, Wei Zhang, Liang Wang, Hao Yang, Prince Osei Aboagye
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Patent number: 12321976Abstract: A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.Type: GrantFiled: September 29, 2023Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Mossoba, Abdelkader Benkreira
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Patent number: 12321707Abstract: Machine classifiers in accordance with embodiments of the invention capture long-term temporal dependencies in the dialogue data better than the existing recurrent neural network-based architectures. Additionally, machine classifiers may model the joint distribution of the context and response as opposed to the conditional distribution of the response given the context as employed in sequence-to-sequence frameworks. Further, input data may be bidirectionally encoded using both forward and backward separators. The forward and backward representations of the input data may be used to train the machine classifiers using a single generative model and/or shared parameters between the encoder and decoder of the machine classifier. During inference, the backward model may be used to reevaluate previously generated output sequences and the forward model may be used to generate an output sequence based on the previously generated output sequences.Type: GrantFiled: September 22, 2022Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Oluwatobi Olabiyi, Zachary Kulis, Erik T. Mueller
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Patent number: 12321292Abstract: Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.Type: GrantFiled: October 5, 2023Date of Patent: June 3, 2025Assignee: Visa International Service AssociationInventor: Kiushan Pirzadeh
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Patent number: 12322378Abstract: The present invention provides a method and a system utilizing an AI entity for confirming an agreement has been entered between a first entity and a second entity during a verbal communication, capturing the portions of the communication that constitute the elements of an agreement and storing the portions for later verification of the agreement.Type: GrantFiled: March 11, 2024Date of Patent: June 3, 2025Assignee: United Services Automobile Association (USAA)Inventor: Brady Carl Stephenson
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Patent number: 12321375Abstract: Disclosed are examples of a system, techniques and non-transitory computer-readable storage medium that enable the selection of a response document template for generating an appropriate response to notification document. Respective components may generate an electronic document from the notification document. A common theme between two or more of the electronic documents may be identified. The electronic documents identified as having the common theme may be grouped in a notification document corpus. The notification document corpus may be analyzed with reference to received notification documents stored in a document repository. Based on results of the analysis, a template of a notification response document appropriate for responding to a specific notification document received by the enterprise may be selected. The selected response document template may be forwarded to a client device for further processing.Type: GrantFiled: December 22, 2023Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Joerg Rings, William Thomas Romano, Andre Gatorano
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Patent number: 12321434Abstract: In some implementations, a device may obtain registration information, associated with an account, including one or more training handwriting samples of a user. The device may detect an initiation of an event associated with the account. The device may provide, to a terminal device associated with the event, the one or more authentication prompts to cause the terminal device to provide the one or more authentication prompts while the event is pending. The device may obtain, from the terminal device, one or more handwriting samples in response to the one or more authentication prompts. The device may determine, using a machine learning model, whether the user is associated with the event based on whether the one or more handwriting samples are in a handwriting of the user. The device may authenticate the event based on determining whether the one or more handwriting samples are in the handwriting of the user.Type: GrantFiled: April 28, 2023Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Armando Martinez Stone, Tyler Maiman, Samuel Rapowitz
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Patent number: 12320234Abstract: Provided is a retrievable safety valve insert, a safety valve, a well system, and a method. The retrievable safety valve insert, in one aspect, includes an outer housing including an outer housing central bore extending axially therethrough, the outer housing central bore operable to convey subsurface production fluids there through. The insert, according to this aspect, may further include a lock mandrel having a lock mandrel profile extending radially outward from the outer housing, the lock mandrel profile movable between a radially retracted state and a radially expanded state configured to engage with an end sub profile of an end sub. The insert, according to this aspect, may further include a safety valve insert closure mechanism coupled to the outer housing proximate a downhole end of the outer housing central bore, the safety valve insert closure mechanism movable between an outer housing closed state and an outer housing open state.Type: GrantFiled: October 13, 2022Date of Patent: June 3, 2025Assignee: Halliburton Energy Services, Inc.Inventor: Merced Gonzalez
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Patent number: 12322233Abstract: Disclosed herein are system, method, and computer program product embodiments for providing secure access to a locker of a locker system based on a token that includes token data and a message authentication code (MAC) to authenticate the token data. The token data includes at least the unique locker identifier for the locker. The MAC can be generated using a secret key. The secret key can be obtained based on a unique derivation key associated with a master key. The locker system can determine whether the token is valid based on the token data, the MAC, and the secret key. In response to a determination that the token is valid, the locker system can send a signal to unlock the locker.Type: GrantFiled: January 2, 2024Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Kevin Osborn, Matt Oliver, Lin Ni Lisa Cheng
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Patent number: 12321256Abstract: Computer-implemented agile software development, testing, and implementation are provided. At least one computing device accesses at least one input file and processes the file(s) to generate an application framework including a plurality of files. An interactive interface including selectable options associated with the respectively accessible folders is provided. Via the interactive interface, editable access to each of the plurality of files is provided and the at least one computing device receives, via the interface, at least one edit to at least one of the files. A testing case of the generated application framework is generated, includes step definition files. The at least one computing device tests the generated application framework by stepping through automation provided by the generated application framework as a function of the step definition files. Moreover, the at least one computing device generates reporting associated with the testing of the generated application framework.Type: GrantFiled: February 18, 2025Date of Patent: June 3, 2025Assignee: Morgan Stanley Services Group Inc.Inventors: Neha Singla, Utsav Galphat, Kanwar deep Singh, Abhinav Bansal, Diptanu Nath, Naeem Mushtaq
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Patent number: 12318536Abstract: A vaporizing assembly for an aerosol-generating system may comprise a delivery device and a heater assembly. The heater assembly may comprise a heat resistive substrate and a heating element. The delivery device is configured to deliver an aerosol-forming substrate to at least a surface of the heat resistive substrate, wherein the heating element is isolated or separated from the aerosol-forming substrate by the heat resistive substrate. The present disclosure is also directed to a method for generating an aerosol.Type: GrantFiled: September 19, 2023Date of Patent: June 3, 2025Assignee: Altria Client Services LLCInventors: Laurent Manca, Rui Nuno Batista
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Patent number: 12321907Abstract: A method is disclosed and includes receiving a push transfer message with a first transaction amount, and a digital tag, a credential or a token from an application server computer, in a transaction. In the transaction, a first user using a first user device interacts with a second user using the digital tag. The digital tag associated with the credential or the token, and the first user device has a transfer application that receives the digital tag and is in communication with the application server computer. The push transfer message is transmitted to an authorizing entity computer where a second amount is credited to the second user's account.Type: GrantFiled: December 7, 2023Date of Patent: June 3, 2025Assignee: Visa International Service AssociationInventor: Ankush Singhal
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Patent number: 12321567Abstract: A device obtains historical interaction data concerning a plurality of user interactions, where a user interaction of the plurality of user interactions includes one or more touchpoint sets, obtains historical response data concerning a plurality of user responses, where a user response of the plurality of user responses corresponds to a user interaction, and processes the historical interaction data and the historical response data using a modelling pipeline to determine an association between user interaction score and a touchpoint set. The device determines information concerning a current user interaction, processes the information concerning the current user interaction using the modelling pipeline to determine a current user interaction score and ranking of one or more touchpoint sets of the current user interaction, and causes, based on the current user interaction score and the ranking of the one or more touchpoint sets, at least one action to be performed.Type: GrantFiled: December 28, 2020Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Rohit Sarin, Ryan Tomlinson, Elizabeth Maue, Alex Baird, Jose Martinez, Chengjun Zhu, Weiyan Sun, Robert Cezeaux
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Patent number: 12323539Abstract: Methods and systems for uses and/or improvements to blockchain technology. In particular, the methods and systems described herein implement a novel cryptographic resource standard that provides functionality for complex communications. The novel cryptographic resource standard allows for blockchain functions that may involve single cryptographic resource transfers or batch cryptographic resource transfers as well as on-chain batching of one or more cryptographic resources.Type: GrantFiled: October 4, 2022Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventor: Imren Johar
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Patent number: 12317929Abstract: An apparatus includes a body of pre-vapor formulation configured to be contained within a reservoir, the pre-vapor formulation being a gel formulation. The apparatus includes a surface heater in contact with a surface of the body of gel formulation, the heater being configured to heat the body of gel formulation to form a vapor.Type: GrantFiled: June 2, 2020Date of Patent: June 3, 2025Assignee: Altria Client Services LLCInventors: Munmaya K. Mishra, Shaoyong Yu, Raymond Lau, Pauline Marcq, Geoffrey Brandon Jordan, Christopher S. Tucker
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Patent number: 12321915Abstract: The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase.Type: GrantFiled: December 20, 2023Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Tobias D. Russell, Drew Jacobs, Luke A. Hammock
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Patent number: 12321895Abstract: A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.Type: GrantFiled: February 27, 2024Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Dinesh Sundaram, Sanjiv Yajnik, Raman Bajaj, Jacques Morel, Alex Baird, Rajaboopathy Vijayaraghavan
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Patent number: 12317892Abstract: The present invention relates to anti-microbially active micro and nanoparticles, compositions comprising same, and use thereof for inhibiting bacterial growth and biofilm formation on surfaces or devices, e.g., dental surfaces or devices. The present invention further discloses methods of making such anti-microbially active micro or nanoparticles.Type: GrantFiled: November 22, 2021Date of Patent: June 3, 2025Assignees: Nobio Ltd., Hadasit Medical Research Services And Development Ltd.Inventors: Nathan Zaltsman, Ervin Itzhak Weiss, Nurit Beyth
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Patent number: 12323079Abstract: A load phase back system for controlling a plurality of electrical loads in an electric fracturing spread. The load phase back system comprises monitoring circuitry configured to monitor input power received from an electric power source. The monitoring circuitry determines a measured voltage and a measured frequency of the input power. A controller controls the power applied to the plurality of electrical loads from a power bus according to a value of the measured voltage and a value of the measured frequency of the input power. The controller reduces power applied to selected ones of the plurality of electrical loads from the power bus when at least one of the measured voltage is less than a first threshold and the measured frequency is less than a second threshold.Type: GrantFiled: November 1, 2023Date of Patent: June 3, 2025Assignee: Halliburton Energy Services, Inc.Inventors: Jose L Maldonado, Glenn Howard Weightman
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Patent number: 12323406Abstract: In some implementations, a system may receive user e-mail data indicating an e-mail address and an e-mail password associated with an e-mail account of a user. The system may access the e-mail account via the e-mail address and the e-mail password. The system may identify, in the e-mail account, a sign-up authentication e-mail message associated with a sign-up by the user with an interaction party based on one or more sign-up indicators associated with the sign-up authentication e-mail message. The system may transmit a notification, to a user device, requesting confirmation that the user signed up for an account with the interaction party. The system may receive, from the user device, a user input confirming that the user signed up for the account. The system may activate a link in the sign-up authentication e-mail message to authenticate the sign-up.Type: GrantFiled: July 14, 2022Date of Patent: June 3, 2025Assignee: Capital One Services, LLCInventors: Aaron Wright, Kelly Morse Kornman, Omer Alrefaai