Patents by Inventor Jason Ji
Jason Ji 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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Publication number: 20230097804Abstract: A processor of a computing device may receive, from a contactless card, a uniform resource locator (URL) and a cryptogram. An operating system (OS) executing on the processor may open an application based on the URL. The application may transmit the cryptogram to an authentication server. The application may receive, based on the server verifying the cryptogram, an account number. The application may store the account number in a memory of the device.Type: ApplicationFiled: December 5, 2022Publication date: March 30, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
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Patent number: 11574021Abstract: Provided, in an aspect, is a method for improved visualization of transaction data from a financial services computer network. The method includes receiving, at a computing device, a plurality of experience sets; presenting, on a display of the computing device, a graphical user interface (GUI); and updating the GUI in response to receiving a revision to the plurality of experience sets. Each experience set contains one or more transactions that relate to each other. The GUI includes a scrollable list having at least a portion of the experience set name for experience sets within a selected time period; and a calendar for the time period showing, for each day with at least one experience, a graphical element indicative of a total of all experience set amounts in that day.Type: GrantFiled: September 29, 2020Date of Patent: February 7, 2023Assignee: Capital One Services, LLCInventors: Colin Hart, Allison Abbott, Matthew Horton, Emma Sagan, Kevan Emmott, Christine Ann Berglund, Jason Ji, Alexandra A. Colevas, Steven Quadros, Adnan Malik, Jared M. Alexander, Scott Golder
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Patent number: 11556359Abstract: First data indicative of a first plurality of transactions by a user may be processed to generate first behavioral information describing the user. The first behavioral information may be displayed by an interactive user interface. A user input made in response to the first behavioral information may be received and analyzed to generate user preference information indicating a relationship between the first user input and the first behavioral information. Second data indicative of a second plurality of transactions by the user may be received and processed with the user preference information to generate second behavioral information describing the user. The second behavioral information may be displayed by the interactive user interface differently from the first behavioral information by the interactive user interface as a result of the processing of the second data and the user preference information together.Type: GrantFiled: December 13, 2021Date of Patent: January 17, 2023Assignee: CAPTIAL ONE SERVICES, LLCInventors: Colin Hart, Jason Ji, Alexandra A. Colevas, Steven Quadros, Adnan Malik, Jared M. Alexander, Scott Golder, Allison Abbott, Matthew Horton, Emma Sagan, Kevan Emmott, Christine Ann Berglund
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Patent number: 11544808Abstract: Various embodiments are generally directed to providing a digital negotiation platform. An agent executing on a processor may programmatically negotiate parameters for an agreement based on rules and/or computing models. The agent may generate a smart contract comprising a transcript of communications and executable code operable to enforce the parameters. The smart contract may be stored in a blockchain.Type: GrantFiled: October 15, 2019Date of Patent: January 3, 2023Assignee: Capital One Services, LLCInventors: Adam Vukich, Kaitlin Newman, Colin Hart, Jason Ji
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Patent number: 11544717Abstract: A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.Type: GrantFiled: July 22, 2021Date of Patent: January 3, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Paul Moreton, Wayne Lutz, Jason Ji
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Patent number: 11538037Abstract: A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold.Type: GrantFiled: May 29, 2020Date of Patent: December 27, 2022Assignee: Capital One Services, LLCInventors: Colin Hart, Joshua Edwards, Francisco Perezleon, Molly Johnson, Kaitlin Newman, Angelina Wu, Jason Ji
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Patent number: 11501312Abstract: A processor of a computing device may receive, from a contactless card, a uniform resource locator (URL) and a cryptogram. An operating system (OS) executing on the processor may open an application based on the URL. The application may transmit the cryptogram to an authentication server. The application may receive, based on the server verifying the cryptogram, an account number. The application may store the account number in a memory of the device.Type: GrantFiled: March 2, 2022Date of Patent: November 15, 2022Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Paul Moreton, Wayne Lutz, Jason Ji
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Patent number: 11503018Abstract: Embodiments disclosed herein generally related to a system and method for assessing a fraud risk. In one embodiment, a method for assessing a fraud risk is disclosed herein. A web browser extension executing on the computing device identifies an account associated with the computing device. The web browser extension detects that the computing device navigated to a web page hosted by a third party server. The web browser extension determines that the third party server prompted the computing device to opt into two-factor authentication functionality. The web browser extension determines that the computing device did not opt into the two-factor authentication functionality. The web browser extension prompts, via an application programming interface (API), an organization computing system to update a fraud metric associated with the account.Type: GrantFiled: May 19, 2020Date of Patent: November 15, 2022Assignee: Capital One Services, LLCInventors: Michael Mossoba, Joshua Edwards, Jason Ji, Ljubica Chatman, Carlos Eduardo Rodriguez
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Publication number: 20220343295Abstract: Various embodiments are directed to techniques for ensuring that a negotiable instrument has not been altered between the time the instrument leaves the hands of the payor and when the check is presented for redemption by the payee by recording an image of the check in a data block in a blockchain and retrieving the image when the check is presented for redemption for comparison with the check. A match between the stored image and the check indicates that no alteration of the check has occurred.Type: ApplicationFiled: May 12, 2022Publication date: October 27, 2022Applicant: Capital One Services, LLCInventors: Adam VUKICH, Colin HART, Jason JI, Kaitlin NEWMAN
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Publication number: 20220277067Abstract: In order to provide improved matching of records between different sources, systems and methods include generating a data link between a stored interaction profile of the user and activity data records that identify activities performed by the user. Online interaction data associated with the user is received, including tracking data indicative of online interactions with content. The online interaction data is stored in the stored interaction profile associated with the user. An activity model is used to predict correlation parameters representing groupings of online interactions of the online interaction data with activities performed by the user, where the prediction is based on the tracking data and each activity in the interaction profile. The interaction profile is updated with the groupings and user activities are authenticated based on the interaction profile.Type: ApplicationFiled: May 19, 2022Publication date: September 1, 2022Inventors: Lukiih Cuan, Xiaoguang Zhu, Jason Ji
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Publication number: 20220215377Abstract: Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.Type: ApplicationFiled: November 22, 2021Publication date: July 7, 2022Applicant: Capital One Services, LLCInventors: Jason JI, Jeffrey RULE, Colin HART, Wayne LUTZ
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Publication number: 20220189234Abstract: Various embodiments are generally directed to copying data to a clipboard of a mobile device from a contactless card using NFC. A mobile device may issue a request to read data from the contactless card. The contactless card may generate encrypted data in response to the request. The mobile device may receive the encrypted data via NFC and transmit the encrypted data to a server for verification. The server may verify the encrypted data and transmit an indication of an account number for the contactless card to the mobile device. The mobile device may then copy the account number to a clipboard of the mobile device.Type: ApplicationFiled: March 3, 2022Publication date: June 16, 2022Applicant: Capital One Services, LLCInventors: Daniel HERRINGTON, Jeffrey RULE, Colin HART, Jason JI
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Publication number: 20220188824Abstract: A processor of a computing device may receive, from a contactless card, a uniform resource locator (URL) and a cryptogram. An operating system (OS) executing on the processor may open an application based on the URL. The application may transmit the cryptogram to an authentication server. The application may receive, based on the server verifying the cryptogram, an account number. The application may store the account number in a memory of the device.Type: ApplicationFiled: March 2, 2022Publication date: June 16, 2022Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
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Publication number: 20220188528Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.Type: ApplicationFiled: March 7, 2022Publication date: June 16, 2022Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Kevin OSBORN, Melissa HENG, Rajko ILINCIC, Jason JI
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Publication number: 20220182380Abstract: The disclosed technology includes systems and methods for determining secondary authentication of a user's log-in attempts by comparing received behavioral biometric data and/or received scenario-specific data to saved behavioral biometric data and/or saved scenario-specific data, respectively. Responsive to determining that the received behavioral biometric data and/or received scenario-specific data is above a predetermined threshold of similarity with respect to the saved behavioral biometric data and/or saved scenario-specific data, respectively, the systems and methods can determine that the corresponding log-in attempt is secondarily authenticated. of a user device via behavioral biometric data. Responsive to determining that the level of similarity is not above the predetermined threshold, the systems and methods can initiate a secondary authentication method and can associate the received behavioral biometric data with a second user model.Type: ApplicationFiled: February 24, 2022Publication date: June 9, 2022Inventors: Joshua Edwards, Jason Ji, Ljubica Chatman, Michael Mossoba, Carlos Rodriguez
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Publication number: 20220164870Abstract: Provided, in an aspect, is a system for managing transactions from a financial services computer network. The system has a scalable architecture, and includes a database, one or more processors, a plurality of experience matchers, and a transaction hub. Each experience matcher is associated with a different experience set type, and can receive a transaction list and return an identified experience set. The transaction hub can communicate with multiple experience matchers, and can receive experience sets from the matchers after sending them a list of transactions.Type: ApplicationFiled: February 14, 2022Publication date: May 26, 2022Applicant: Capital One Services, LLCInventors: Colin Hart, Jason Ji, Alexandra A. Colevas, Steven Quadros, Adnan Malik, Jared M. Alexander, Scott Golder, Allison Abbott, Matthew Horton, Emma Sagan, Kevan Emmott, Christine Ann Berglund
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Publication number: 20220164201Abstract: First data indicative of a first plurality of transactions by a user may be processed to generate first behavioral information describing the user. The first behavioral information may be displayed by an interactive user interface. A user input made in response to the first behavioral information may be received and analyzed to generate user preference information indicating a relationship between the first user input and the first behavioral information. Second data indicative of a second plurality of transactions by the user may be received and processed with the user preference information to generate second behavioral information describing the user. The second behavioral information may be displayed by the interactive user interface differently from the first behavioral information by the interactive user interface as a result of the processing of the second data and the user preference information together.Type: ApplicationFiled: December 13, 2021Publication date: May 26, 2022Applicant: CAPTIAL ONE SERVICES, LLCInventors: Colin HART, Jason JI, Alexandra A. COLEVAS, Steven QUADROS, Adnan MALIK, Jared M. ALEXANDER, Scott GOLDER, Allison ABBOTT, Matthew HORTON, Emma SAGAN, Kevan EMMOTT, Christine Ann BERGLUND
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Patent number: 11341229Abstract: In order to provide improved matching of records between different sources, systems and methods include generating a data link between a stored interaction profile of the user and activity data records that identify activities performed by the user. Online interaction data associated with the user is received, including tracking data indicative of online interactions with content. The online interaction data is stored in the stored interaction profile associated with the user. An activity model is used to predict correlation parameters representing groupings of online interactions of the online interaction data with activities performed by the user, where the prediction is based on the tracking data and each activity in the interaction profile. The interaction profile is updated with the groupings and user activities are authenticated based on the interaction profile.Type: GrantFiled: June 16, 2020Date of Patent: May 24, 2022Assignee: Capital One Services, LLCInventors: Lukiih Cuan, Xiaoguang Zhu, Jason Ji
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Patent number: D967143Type: GrantFiled: June 9, 2021Date of Patent: October 18, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Lea Cody, Charles Nathan Crank, Colin Hart, Daniel Herrington, Lara Mossler, Jeffrey Rule, Kevin Widener, Jason Ji
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Patent number: D981434Type: GrantFiled: January 29, 2019Date of Patent: March 21, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Colin Hart, Lea Cody, Charles Nathan Crank, Daniel Herrington, Jason Ji, Lara Mossler, Jeffrey Rule, Kevin Widener