Patents by Inventor HANNES JOUHIKAINEN
HANNES JOUHIKAINEN has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11954658Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.Type: GrantFiled: March 22, 2023Date of Patent: April 9, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Drew Jacobs, Justin Wishne, Karen Nickerson, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Publication number: 20240112254Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and augment the environmental data by adding virtual environmental data. The system may then provide this virtual environment to two or more devices. The system can then receive user input, and modify the virtual environment in response to those inputs.Type: ApplicationFiled: December 13, 2023Publication date: April 4, 2024Inventors: Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Publication number: 20240054542Abstract: 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: ApplicationFiled: October 23, 2023Publication date: February 15, 2024Inventors: Lawrence Douglas, Thomas S. Poole, Hannes Jouhikainen
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Patent number: 11887183Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and augment the environmental data by adding virtual environmental data. The system may then provide this virtual environment to two or more devices. The system can then receive user input, and modify the virtual environment in response to those inputs.Type: GrantFiled: July 20, 2021Date of Patent: January 30, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Patent number: 11838142Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.Type: GrantFiled: December 30, 2022Date of Patent: December 5, 2023Assignee: Capital One Services, LLCInventors: Hannes Jouhikainen, Zviad Aznaurashvili, Timur Sherif, Steve Blanchet
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Patent number: 11798049Abstract: 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: GrantFiled: August 3, 2020Date of Patent: October 24, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Lawrence Douglas, Thomas S. Poole, Hannes Jouhikainen
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Patent number: 11763357Abstract: 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 processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the 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 28, 2021Date of Patent: September 19, 2023Assignee: Capital One Services, LLCInventors: Timur Sherif, Zviad Aznaurashvili, Hannes Jouhikainen, Steve Blanchet
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Patent number: 11755118Abstract: Embodiments disclosed herein generally relate to a method and system of generating text input via facial recognition. A computing system receives a video stream of a user operating an application on a client device. The video stream includes a time series of images of the user. The computing system parses the video stream to identify one or more visual cues of the user. The computing system identifies a current page of the application. The computing system maps the identified on or more visual cues to an operation available on the current page of the application. The computing system executes the mapped operation.Type: GrantFiled: November 25, 2019Date of Patent: September 12, 2023Assignee: Capital One Services, LLCInventors: Hannes Jouhikainen, Timur Sherif, Steve Blanchet
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Publication number: 20230269248Abstract: 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: ApplicationFiled: May 1, 2023Publication date: August 24, 2023Applicant: Capital One Services, LLCInventors: Timur SHERIF, Steve BLANCHET, Hannes JOUHIKAINEN, Zviad AZNAURASHVILI
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Publication number: 20230230057Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.Type: ApplicationFiled: March 22, 2023Publication date: July 20, 2023Inventors: Drew Jacobs, Justin Wishne, Karen Nickerson, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Patent number: 11677745Abstract: 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: GrantFiled: April 29, 2020Date of Patent: June 13, 2023Assignee: Capital One Services, LLCInventors: Timur Sherif, Steve Blanchet, Hannes Jouhikainen, Zviad Aznaurashvili
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Publication number: 20230142813Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.Type: ApplicationFiled: December 30, 2022Publication date: May 11, 2023Inventors: Hannes JOUHIKAINEN, Zviad AZNAURASHVILI, Timur SHERIF, Steve BLANCHET
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Patent number: 11640591Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method. The system may provide an augmented environment that facilitates a transaction. The system may store profile data including user payment or user profile information. The system may then receive environmental data, and identify one or more action items in the environmental data. In response to this identification, the system may augment the environmental data by adding virtual environmental data, and then provide this virtual environmental data to a device to create an augmented environment. The system can then receive user input data, and provide purchase request data to a merchant terminal in response to those inputs.Type: GrantFiled: September 4, 2020Date of Patent: May 2, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Drew Jacobs, Justin Wishne, Karen Nickerson, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Patent number: 11588824Abstract: Systems and methods are provided for authenticating a user of a computing device. An example system includes a memory storing instructions, and a processor configured to execute the instructions to receive an authentication request from a user of a computing device, determine a context of the authentication request, determine a physical location of the user, and perform, based on the context of the authentication request and the physical location of the user, an associate proximity detection. The associate proximity detection includes steps to identify an associate based on at least one of the context of the authentication request or the physical location of the user, determine a physical location of the identified known associate, and determine a proximity of the user to the identified known associate. The authentication request may be approved when the determined proximity is within a threshold.Type: GrantFiled: June 18, 2020Date of Patent: February 21, 2023Assignee: Capital One Services, LLCInventors: Drew Jacobs, Hannes Jouhikainen
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Patent number: 11546183Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.Type: GrantFiled: February 17, 2022Date of Patent: January 3, 2023Assignee: Capital One Services, LLCInventors: Hannes Jouhikainen, Zviad Aznaurashvili, Timur Sherif, Steve Blanchet
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Auto-generated synthetic identities for simulating population dynamics to detect fraudulent activity
Patent number: 11470116Abstract: Embodiments disclosed herein generally relate to a system and method for detecting fraudulent computer activity. A computing system generates a plurality of synthetic identities. Each of the plurality of synthetic identities mimics information associated with a verified identity. The computing system receives, from a user, an input attempt. The input attempt includes a synthetic identity of the plurality of synthetic identities. The computing system compares input information in the input attempt to the plurality of synthetic identities. The computing system determines that the input information in the input attempt includes information from the plurality of synthetic identities, if it does, the computing system rejects the input attempt.Type: GrantFiled: November 18, 2019Date of Patent: October 11, 2022Assignee: Capital One Services, LLCInventors: Timur Sherif, Hannes Jouhikainen, Steve Blanchet -
Publication number: 20220261862Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.Type: ApplicationFiled: March 3, 2022Publication date: August 18, 2022Applicant: CAPITAL ONE SERVICES, LLCInventors: Zviad Aznaurashvili, Timur Sherif, Steve Blanchet, Hannes Jouhikainen
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Patent number: 11416111Abstract: A user device may receive sensor data relating to one or more physical objects, transmit the sensor data to a server, receive a user profile relating to a user of the device, identify a user interface element corresponding to an application, modify the user interface element based on the user profile, and display the modified user interface element. A server may receive data relating to one or more physical objects, identify the one or more design patterns based on the one or more physical objects, create a user profile, update the user profile, receive application data relating to one or more applications running on a device remote from the server, identify a user interface element corresponding to the one or more applications running on the device, modify the user interface element based on the updated user profile, and transmit the modified user interface element to the device.Type: GrantFiled: November 18, 2019Date of Patent: August 16, 2022Assignee: Capital One Services, LLCInventors: Hannes Jouhikainen, Timur Sherif, Steve Blanchet, Zviad Aznaurashvili
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Publication number: 20220173921Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.Type: ApplicationFiled: February 17, 2022Publication date: June 2, 2022Inventors: Hannes JOUHIKAINEN, Zviad Aznaurashvili, Timur Sherif, Steve Blanchet
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Patent number: 11288714Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.Type: GrantFiled: June 29, 2018Date of Patent: March 29, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Zviad Aznaurashvili, Timur Sherif, Steve Blanchet, Hannes Jouhikainen