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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Patent number: 11334856Abstract: 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: GrantFiled: November 21, 2018Date of Patent: May 17, 2022Assignee: Capital One Services, LLCInventors: Adam Vukich, Colin Hart, Jason Ji, Kaitlin Newman
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Patent number: 11321546Abstract: 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: GrantFiled: July 29, 2020Date of Patent: May 3, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Kevin Osborn, Melissa Heng, Rajko Ilincic, Jason Ji
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Patent number: 11290450Abstract: 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: GrantFiled: May 11, 2020Date of Patent: March 29, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Joshua Edwards, Jason Ji, Ljubica Chatman, Michael Mossoba, Carlos Rodriguez
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Patent number: 11263636Abstract: A method for providing a gift includes receiving a gift token creation request representative of a selection of a gift recipient and gift limitations from a first computing device. The method includes generating a tokenized PAN associated with a gift account and transmitting the tokenized PAN and gift limitations to a second computing device. The method includes detecting a transaction authorization request that is representative of an attempted transaction at a merchant POS device based on monitoring of transaction authorization data originating from a plurality of merchant POS devices. The transaction authorization request represents an attempted tokenized PAN, an attempted transaction amount and a merchant code. The method includes determining that the attempted tokenized PAN matches the tokenized PAN associated with the gift account.Type: GrantFiled: November 16, 2020Date of Patent: March 1, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Taurean Butler, Christine Berglund, Adam Vukich, Jessica Greenberg, Colin Hart, Mykhaylo Bulgakov, Jason Ji, Kaylyn Gibilterra
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Patent number: 11250501Abstract: 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: GrantFiled: August 21, 2018Date of Patent: February 15, 2022Assignee: 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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Patent number: 11216799Abstract: 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: GrantFiled: January 4, 2021Date of Patent: January 4, 2022Assignee: Capital One Services, LLCInventors: Jason Ji, Jeffrey Rule, Colin Hart, Wayne Lutz
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Publication number: 20210398406Abstract: In certain embodiments, condition-based storing and return of an item associated with a user may be facilitated via a locker system. In some embodiments, attribute information indicating attributes of an item placed in the locker system may be obtained, and the attribute information may be processed to determine a categorization of the item. In response to the categorization satisfying one or more categorization conditions, product/service information related to a product or service may be provided for presentation to the user. In response to receiving user acceptance of the product or service, an item return condition may be assigned to the item. In response to the user satisfying the item return condition, access rights to the item may be enabled for the user.Type: ApplicationFiled: July 19, 2021Publication date: December 23, 2021Applicant: Capital One Services, LLCInventors: Jason Ji, Lukiih Cuan, Salik Shah, Negar Kalbasi, Allison Rosenberg
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Patent number: 11204784Abstract: 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: September 4, 2020Date of Patent: December 21, 2021Assignee: 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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Patent number: 11182756Abstract: Provided, in an aspect, is a method for improved management of transaction data from a financial services computer network. The method includes receiving details for a first purchase, detecting that the first purchase is a trigger purchase, obtaining secondary details for the first purchase, receiving details for a later-made second purchase and additional purchases made between the first purchase and second purchase, and determining that the first purchase and the second purchase belong to the same experience set and that the additional intervening purchases do not belong to the same experience set as the first purchase and the second purchase.Type: GrantFiled: August 21, 2018Date of Patent: November 23, 2021Assignee: 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: 20210350372Abstract: 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: ApplicationFiled: July 22, 2021Publication date: November 11, 2021Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Paul MORETON, Wayne LUTZ, Jason JI
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Publication number: 20210334355Abstract: A device determines that a data breach of an application has been reported and determines that an individual has an account with the application based on identifying an association between an application identifier and a username the individual uses to access the application. The device receives, from a user device associated with the individual, password information used to access the application. The device uses the password information and usernames for a group of applications with which the individual has accounts to perform a login procedure for the group of applications to determine that login information for one or more of the applications includes the password information used to access the application affected by the data breach. The device provides, to the user device or another device, a recommendation to change the password information used to access the application and the one or more applications.Type: ApplicationFiled: July 8, 2021Publication date: October 28, 2021Inventors: Joshua EDWARDS, Michael MOSSOBA, Ljubica CHATMAN, Jason JI, Carlos RODRIGUEZ
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Publication number: 20210312748Abstract: 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: June 17, 2021Publication date: October 7, 2021Applicant: Capital One Services, LLCInventors: Daniel HERRINGTON, Jeffrey RULE, Colin HART, Jason JI
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Publication number: 20210295336Abstract: A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.Type: ApplicationFiled: June 10, 2021Publication date: September 23, 2021Inventors: Francisco PEREZLEON, Molly JOHNSON, Colin HART, Kaitlin NEWMAN, Angelina WU, Jason JI, Joshua EDWARDS
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Patent number: 11120453Abstract: 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: February 1, 2019Date of Patent: September 14, 2021Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Paul Moreton, Wayne Lutz, Jason Ji
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Patent number: 11115422Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.Type: GrantFiled: October 9, 2019Date of Patent: September 7, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Taurean Butler, Christine Berglund, Adam Vukich, Jessica Greenberg, Colin Hart, Mykhaylo Bulgakov, Jason Ji, Kaylyn Gibilterra
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Patent number: 11100773Abstract: In certain embodiments, condition-based storing and return of an item associated with a user may be facilitated via a locker system. In some embodiments, attribute information indicating attributes of an item placed in the locker system may be obtained, and the attribute information may be processed to determine a categorization of the item. In response to the categorization satisfying one or more categorization conditions, product/service information related to a product or service may be provided for presentation to the user. In response to receiving user acceptance of the product or service, an item return condition may be assigned to the item. In response to the user satisfying the item return condition, access rights to the item may be enabled for the user.Type: GrantFiled: June 22, 2020Date of Patent: August 24, 2021Assignee: Capital One Services, LLCInventors: Jason Ji, Lukiih Cuan, Salik Shah, Negar Kalbasi, Allison Rosenberg
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Publication number: 20210258320Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.Type: ApplicationFiled: May 6, 2021Publication date: August 19, 2021Inventors: Taurean Butler, Christine Berglund, Adam Vukich, Jessica Greenberg, Colin Hart, Mykhaylo Bulgakov, Jason Ji, Kaylyn Gibilterra
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Publication number: 20210232672Abstract: 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: June 16, 2020Publication date: July 29, 2021Inventors: Lukiih Cuan, Xiaoguang Zhu, Jason Ji
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Patent number: 11068583Abstract: A device determines that a data breach of an application has been reported and determines that an individual has an account with the application based on identifying an association between an application identifier and a username the individual uses to access the application. The device receives, from a user device associated with the individual, password information used to access the application. The device uses the password information and usernames for a group of applications with which the individual has accounts to perform a login procedure for the group of applications to determine that login information for one or more of the applications includes the password information used to access the application affected by the data breach. The device provides, to the user device or another device, a recommendation to change the password information used to access the application and the one or more applications.Type: GrantFiled: April 3, 2020Date of Patent: July 20, 2021Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Mossoba, Ljubica Chatman, Jason Ji, Carlos Rodriguez
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Patent number: 11069173Abstract: 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: GrantFiled: August 20, 2020Date of Patent: July 20, 2021Assignee: Capital One Services, LLCInventors: Daniel Herrington, Jeffrey Rule, Colin Hart, Jason Ji