Patents by Inventor Jeremy Rephlo
Jeremy Rephlo 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: 11829986Abstract: A system and method in accordance with example embodiments may include providing functionality triggers to a consumer's mobile device in response to using a payment card in order to make a purchase. Functionality triggers may include account functionality, rewards functionality, social networking functionality, and offer or advertisement functionality to be performed on a consumer's mobile device.Type: GrantFiled: February 8, 2021Date of Patent: November 28, 2023Assignee: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo
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Publication number: 20230325914Abstract: The system and methods provide an account holder with a mobile spend feed. The systems and methods include a database that stores information associated with at least one previous financial transaction performed via a financial account held by the account holder, a transaction processor that receives transaction data associated with a financial transaction performed by the account holder using the financial account, and stores the transaction data in the database, and a purchase history processor creates a spend feed based at least in part on the transaction data and the previous transaction information, and provides the spend feed to the account holder.Type: ApplicationFiled: June 1, 2023Publication date: October 12, 2023Inventors: Jeremy Rephlo, Gagan Kanjlia
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Patent number: 11715153Abstract: The system and methods provide an account holder with a mobile spend feed. The systems and methods include a database that stores information associated with at least one previous financial transaction performed via a financial account held by the account holder, a transaction processor that receives transaction data associated with a financial transaction performed by the account holder using the financial account, and stores the transaction data in the database, and a purchase history processor creates a spend feed based at least in part on the transaction data and the previous transaction information, and provides the spend feed to the account holder.Type: GrantFiled: April 2, 2018Date of Patent: August 1, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy Rephlo, Gagan Kanjlia
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Publication number: 20220230497Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: ApplicationFiled: February 4, 2022Publication date: July 21, 2022Applicant: CAPITAL ONE SERVICES, LLCInventor: Jeremy REPHLO
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Patent number: 11328366Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.Type: GrantFiled: June 8, 2020Date of Patent: May 10, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Patent number: 11276261Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: GrantFiled: February 3, 2020Date of Patent: March 15, 2022Assignee: Capital One Services, LLCInventor: Jeremy Rephlo
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Publication number: 20210365941Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.Type: ApplicationFiled: August 2, 2021Publication date: November 25, 2021Applicant: Capital One Services, LLCInventors: Jesse N. KENDRICK, Mohamed LAFEER, Jeremy REPHLO
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Patent number: 11107077Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.Type: GrantFiled: March 30, 2020Date of Patent: August 31, 2021Assignee: Capital One Services, LLCInventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
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Publication number: 20210264454Abstract: An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service.Type: ApplicationFiled: May 7, 2021Publication date: August 26, 2021Inventors: Jeremy PHILLIPS, Zhe LIU, Jeremy REPHLO, Daniel FILLER
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Publication number: 20210241305Abstract: A method of providing rewards-based payment method selection, the method including: storing payment account numbers (PANs) associated with a tokenized financial account number (FAN), each PAN being associated with a purchase-based rewards program; receiving user rewards preferences; receiving, from a merchant POS terminal, a primary transaction authorization request; generating, based on the primary transaction authorization request and the FAN, a plurality of provisional transaction authorization requests corresponding to one of the PANs; transmitting, to one or more payment authorization servers, the plurality of provisional transaction authorization requests; receiving a plurality of provisional transaction authorizations corresponding to one of the PANs and including a respective rewards bid; selecting, based on the user rewards preferences and the respective rewards bids, a preferred PAN corresponding to a provisional transaction authorization; and transmitting, to the merchant POS terminal and based onType: ApplicationFiled: April 23, 2021Publication date: August 5, 2021Inventor: Jeremy Rephlo
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Publication number: 20210233055Abstract: A system and method in accordance with example embodiments may include providing functionality triggers to a consumer's mobile device in response to using a payment card in order to make a purchase. Functionality triggers may include account functionality, rewards functionality, social networking functionality, and offer or advertisement functionality to be performed on a consumer's mobile device.Type: ApplicationFiled: February 8, 2021Publication date: July 29, 2021Inventor: Jeremy Rephlo
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Patent number: 11023912Abstract: A method of providing rewards-based payment method selection, the method including: storing payment account numbers (PANs) associated with a tokenized financial account number (FAN), each PAN being associated with a purchase-based rewards program; receiving user rewards preferences; receiving, from a merchant POS terminal, a primary transaction authorization request; generating, based on the primary transaction authorization request and the FAN, a plurality of provisional transaction authorization requests corresponding to one of the PANs; transmitting, to one or more payment authorization servers, the plurality of provisional transaction authorization requests; receiving a plurality of provisional transaction authorizations corresponding to one of the PANs and including a respective rewards bid; selecting, based on the user rewards preferences and the respective rewards bids, a preferred PAN corresponding to a provisional transaction authorization; and transmitting, to the merchant POS terminal and based onType: GrantFiled: March 21, 2019Date of Patent: June 1, 2021Assignee: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo
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Patent number: 11004098Abstract: An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service.Type: GrantFiled: January 9, 2020Date of Patent: May 11, 2021Assignee: Capital One Services, LLCInventors: Jeremy Phillips, Zhe Liu, Jeremy Rephlo, Daniel Filler
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Patent number: 10915882Abstract: A system and method in accordance with example embodiments may include providing functionality triggers to a consumer's mobile device in response to using a payment card in order to make a purchase. Functionality triggers may include account functionality, rewards functionality, social networking functionality, and offer or advertisement functionality to be performed on a consumer's mobile device.Type: GrantFiled: December 19, 2013Date of Patent: February 9, 2021Assignee: Capital One Services, LLCInventor: Jeremy Rephlo
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Publication number: 20200302552Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.Type: ApplicationFiled: June 8, 2020Publication date: September 24, 2020Inventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Publication number: 20200226594Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile.Type: ApplicationFiled: March 30, 2020Publication date: July 16, 2020Applicant: Capital One Services, LLCInventors: Jesse N. Kendrick, Mohamed Lafeer, Jeremy Rephlo
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Patent number: 10681170Abstract: A method for determining a popularity of a user includes identifying an online identity for which a popularity measurement is to be determined, and identifying one or more other online identities based, at least in part, on their being within a specified number of degrees of separation of the online identity. Popularity measurements for the other users are accessed and aggregated, and a popularity measurement for the user is determined based on at least the aggregated popularity measurements for the other online identities. A graphical user interface includes a first identifier specification mechanism that enables specification of an identifier of a first online identity, and a second identifier specification mechanism that enables specification of an identifier of a second online identity. The graphical user interface includes a display of an indication of whether a popularity of the first online identity exceeds a popularity of the second online identity.Type: GrantFiled: August 2, 2017Date of Patent: June 9, 2020Assignee: Oath Inc.Inventors: Andrew L. Wick, Jeremy Rephlo, June R. Herold, Eric Bosco, Justin Uberti
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Publication number: 20200175799Abstract: Systems and methods are provided for on-demand delivery of a payload by an unmanned vehicle. An unmanned vehicle may comprise a chamber configured to house a payload and adjust a payload state. The payload state may be adjusted based on detection of a tampering event. An unmanned vehicle may also comprise an authentication system configured to allow access to the payload.Type: ApplicationFiled: February 3, 2020Publication date: June 4, 2020Applicant: CAPITAL ONE SERVICES, LLCInventor: Jeremy Rephlo
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Publication number: 20200143401Abstract: An example includes one or more devices may include one or more memories and one or more processors, communicatively coupled with at least one of the one or more memories, to identify a service that is provided within a region; identify a model that is associated with the service, the model having been trained based on consumer profile data, service provider data, and historical information; determine a current demand associated with the service in the region; predict, using the model and based on the current demand associated with the service, a future demand for the service during a time period; determine a current capacity to provide the service based on real-time service provider information associated with service providers that are providing the service in the region; and perform an action associated with the service based on the future demand for the service and the current capacity to provide the service.Type: ApplicationFiled: January 9, 2020Publication date: May 7, 2020Inventors: Jeremy PHILLIPS, Zhe LIU, Jeremy REPHLO, Daniel FILLER
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Publication number: 20200143406Abstract: A method of providing rewards-based payment method selection, the method including: storing payment account numbers (PANs) associated with a tokenized financial account number (FAN), each PAN being associated with a purchase-based rewards program; receiving user rewards preferences; receiving, from a merchant POS terminal, a primary transaction authorization request; generating, based on the primary transaction authorization request and the FAN, a plurality of provisional transaction authorization requests corresponding to one of the PANs; transmitting, to one or more payment authorization servers, the plurality of provisional transaction authorization requests; receiving a plurality of provisional transaction authorizations corresponding to one of the PANs and including a respective rewards bid; selecting, based on the user rewards preferences and the respective rewards bids, a preferred PAN corresponding to a provisional transaction authorization; and transmitting, to the merchant POS terminal and based onType: ApplicationFiled: March 21, 2019Publication date: May 7, 2020Inventor: Jeremy Rephlo