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: 11258620Abstract: 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 12, 2021Date of Patent: February 22, 2022Assignee: Capital One Services, LLCInventors: Hannes Jouhikainen, Zviad Aznaurashvili, Timur Sherif, Steve Blanchet
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Publication number: 20210350452Abstract: 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: July 20, 2021Publication date: November 11, 2021Inventors: Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Publication number: 20210304184Abstract: Methods and systems are provided for secure payment using tokens. Consistent with disclosed embodiments, a token may be used to authenticate a transaction. The token may include token information configured to replace at least a portion of static information required to authenticate a transaction. A financial services system may provide the token to a digital wallet. The digital wallet may communicate the token to a payment application. A user-associated device may implement the digital wallet and a payment device may implement the payment application. The payment application may provide the token information to a merchant system. The merchant system may provide the token information to the financial services system. The financial services system may authenticate the transaction using the token information received from the merchant system. The disclosed methods may further include determining the proximity of the user-associated device and the payment device to authenticate the request for secure payment.Type: ApplicationFiled: April 12, 2021Publication date: September 30, 2021Applicant: CAPITAL ONE SERVICES, LLCInventors: Drew Jacobs, Daniel Beck, Hannes Jouhikainen
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Publication number: 20210287264Abstract: 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: ApplicationFiled: May 28, 2021Publication date: September 16, 2021Applicant: Capital One Services, LLCInventors: Timur SHERIF, Zviad AZNAURASHVILI, Hannes JOUHIKAINEN, Steve BLANCHET
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Patent number: 11074647Abstract: 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: June 19, 2019Date of Patent: July 27, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Patent number: 11042913Abstract: 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: November 16, 2018Date of Patent: June 22, 2021Assignee: Capital One Services, LLCInventors: Timur Sherif, Zviad Aznaurashvili, Hannes Jouhikainen, Steve Blanchet
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Publication number: 20210167980Abstract: 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 12, 2021Publication date: June 3, 2021Inventors: Hannes JOUHIKAINEN, Zviad AZNAURASHVILI, Timur SHERIF, Steve BLANCHET
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Patent number: 11004138Abstract: 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 a virtual wardrobe management system. The system may store wardrobe data associated with a plurality of garments. The system may then receive input data indicative of a garment selection. The system may identify the garment based on the input data received. The system may then generate a garment recommendation based on the selected garment and the stored wardrobe data and provide an indication of the recommendation to a computing device.Type: GrantFiled: March 12, 2019Date of Patent: May 11, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Marco S. Giampaolo, Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Hannes Jouhikainen
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Patent number: 10963938Abstract: 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 generate virtual environmental data based on the environmental data. The system may then provide the virtual environmental data to at least a first computing device to create a virtual environment. The system may then receive user input, and modify the virtual environment to display enhanced content in response to the user input.Type: GrantFiled: September 20, 2019Date of Patent: March 30, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Hannes Jouhikainen, Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Marco S. Giampaolo
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Patent number: 10924292Abstract: 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: January 13, 2020Date of Patent: February 16, 2021Assignee: Capital One Services, LLCInventors: Hannes Jouhikainen, Zviad Aznaurashvili, Timur Sherif, Steve Blanchet
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Publication number: 20200402030Abstract: 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: September 4, 2020Publication date: December 24, 2020Inventors: Drew Jacobs, Justin Wishne, Karen Nickerson, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Publication number: 20200389464Abstract: 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: ApplicationFiled: June 18, 2020Publication date: December 10, 2020Applicant: Capital One Services, LLCInventors: DREW JACOBS, Hannes JOUHIKAINEN
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Publication number: 20200364763Abstract: 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: August 3, 2020Publication date: November 19, 2020Inventors: Lawrence Douglas, Thomas S. Poole, Hannes Jouhikainen
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Patent number: 10832312Abstract: A 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 including audio and visual information representing a physical environment. The system may then receive first user input data indicative of a selection of one or more items present in the physical environment, and identify one or more action items in the environmental data based on the first user input 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 second user input data, and provide purchase request data to a merchant terminal to enable a transaction related to the one or more action items.Type: GrantFiled: January 18, 2019Date of Patent: November 10, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Karen Nickerson, Justin Wishne, Drew Jacobs, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Patent number: 10796376Abstract: A server device may receive, from a first user device, a first set of information regarding a first accident involving a first vehicle, and from a second user device, a second set of information regarding a second accident involving a second vehicle. The first user device may relate to a first user associated with a first policy issued by a first policy provider. The second user device may relate to a second user associated with a second policy issued by a second policy provider. The server device may determine that the first accident corresponds to the second accident, obtain first policy data relating to the first policy, and second policy data relating to the second policy, and cause the first policy data to be provided to the second user device, and the second policy data to be provided to the first user device.Type: GrantFiled: August 2, 2018Date of Patent: October 6, 2020Assignee: Capital One Services, LLCInventors: Zviad Aznaurashvili, Hannes Jouhikainen, Steve Blanchet, Timur Sherif
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Patent number: 10796290Abstract: 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: July 31, 2017Date of Patent: October 6, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Drew Jacobs, Justin Wishne, Karen Nickerson, Justin Smith, Marco S. Giampaolo, Hannes Jouhikainen
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Patent number: 10769648Abstract: Embodiments disclosed herein generally relate to a method and system of determining an overall sentiment of a facility. A computing system receives a video stream, including a plurality of frames, of one or more patrons in a facility over a first time period. The video stream includes data indicative of a sentiment of each of the one or more patrons. The computing system parses the plurality of frames to determine the sentiment of the patron based at least on audio and visual cues of the patron captured in the video stream during the first time period. The computing system aggregates one or more sentiments corresponding to the one or more patrons in a data set indicative of an overall sentiment of the facility. The computing system generates a sentiment value corresponding to the overall sentiment of the facility. The computing system outputs the overall sentiment of the facility.Type: GrantFiled: October 14, 2019Date of Patent: September 8, 2020Assignee: Capital One Services, LLCInventors: Steve Blanchet, Zviad Aznaurashvili, Hannes Jouhikainen, Timur Sherif
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Publication number: 20200267143Abstract: 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: April 29, 2020Publication date: August 20, 2020Applicant: CAPITAL ONE SERVICES, LLCInventors: Timur Sherif, Steve Blanchet, Hannes Jouhikainen, Zviad Aznaurashvili
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Patent number: 10733646Abstract: 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, via the device kiosk on a customer mobile device, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request via a network 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 andType: GrantFiled: November 21, 2016Date of Patent: August 4, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Lawrence Douglas, Thomas S. Poole, Hannes Jouhikainen
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Patent number: 10693888Abstract: 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: October 1, 2018Date of Patent: June 23, 2020Assignee: Capital One Services, LLCInventors: Drew Jacobs, Hannes Jouhikainen