Patents by Inventor Kaylyn Gibilterra
Kaylyn Gibilterra 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: 11961085Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: GrantFiled: April 27, 2022Date of Patent: April 16, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Publication number: 20240098180Abstract: A user device may output an indication of an incoming call from a calling device. The user device may receive a request to screen the incoming call. The user device may analyze a transcription of voice input, received from the calling device, for one or more keywords related to a request for funds. The user device may output one or more input options, which permit a user of the user device to respond to the request for funds, including an input option to transfer funds from a first account associated with the user device to a second account associated with the calling device. The user device may detect a user interaction with the input option to transfer funds from the first account to the second account. The user device may transmit a request that causes funds to be transferred from the first account to the second account.Type: ApplicationFiled: November 15, 2023Publication date: March 21, 2024Inventors: Brendan WAY, Kaylyn GIBILTERRA, Abdelkader M'Hamed BENKREIRA
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Patent number: 11856137Abstract: A user device may output an indication of an incoming call from a calling device. The user device may receive a request to screen the incoming call. The user device may analyze a transcription of voice input, received from the calling device, for one or more keywords related to a request for funds. The user device may output one or more input options, which permit a user of the user device to respond to the request for funds, including an input option to transfer funds from a first account associated with the user device to a second account associated with the calling device. The user device may detect a user interaction with the input option to transfer funds from the first account to the second account. The user device may transmit a request that causes funds to be transferred from the first account to the second account.Type: GrantFiled: March 22, 2021Date of Patent: December 26, 2023Assignee: Capital One Services, LLCInventors: Brendan Way, Kaylyn Gibilterra, Abdelkader M'Hamed Benkreira
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Publication number: 20230351397Abstract: 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 providing biometric detection of coercion of a user. The system may detect a trigger event associated with a potential transfer of funds and may receive user biometric data. The system may determine, based on stored user biometric data and the detected user biometric data, a confidence level that the stored user biometric data is indicative of biological information representative of a user being in a stressed state. The system may initiate one or more precautionary safety measures.Type: ApplicationFiled: June 26, 2023Publication date: November 2, 2023Inventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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Publication number: 20230325950Abstract: A platform receives transaction information for an entity, where the transaction information identifies a plurality of transactions associated with the entity, and receives entity information associated with the entity. The platform identifies, using a first model, a selected set of transactions based on the transaction information and the entity information, where the first model outputs information identifying the selected set of transactions based on the selected set of transactions being associated with an event, a theme, or a transaction parameter. The platform determines, using a second model, potential modifications to a document based on the selected set of transactions, where the second model receives the information identifying the selected set of transactions or information identifying the event, the theme, or the transaction parameter, and where the second model outputs information identifying the potential modifications.Type: ApplicationFiled: June 13, 2023Publication date: October 12, 2023Inventors: Alexandra COLEVAS, Sophie BERMUDEZ, Kaylyn GIBILTERRA, Sarah J. CUNNINGHAM, Salik SHAH, Michael SAIA
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Publication number: 20230289810Abstract: Disclosed are systems and methods for data breach identification. The method may include: generating virtual card number (VCN) data sets; storing the VCN data sets on a first database; receiving one or more compromised VCN data sets stored on a second database and obtained from a scan of unindexed websites; comparing the compromised VCN data sets with the VCN data set stored on the first database to determine whether the VCN data sets have been compromised; for each compromised VCN data set, training the recurrent neural network (RNN) to associate the compromised VCN data sets with one or more sequential patterns found within the compromised VCN data sets to generate a trained RNN; receiving a first VCN data set from the first database; determining whether the first VCN data set matches a compromised VCN data set; and transmitting a message indicating the determination to a user or provider device.Type: ApplicationFiled: May 19, 2023Publication date: September 14, 2023Applicant: Capital One Services, LLCInventors: Jacob LEARNED, Michael SAIA, Max MIRACOLO, Kaylyn GIBILTERRA
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Patent number: 11727408Abstract: 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 providing biometric detection of coercion of a user. The system may detect a trigger event associated with a potential transfer of funds and may receive user biometric data. The system may determine, based on stored user biometric data and the detected user biometric data, a confidence level that the stored user biometric data is indicative of biological information representative of a user being in a stressed state. The system may initiate one or more precautionary safety measures.Type: GrantFiled: August 31, 2021Date of Patent: August 15, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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Patent number: 11694205Abstract: Disclosed are systems and methods for data breach identification. The method may include: generating virtual card number (VCN) data sets; storing the VCN data sets on a first database; receiving one or more compromised VCN data sets stored on a second database and obtained from a scan of unindexed websites; comparing the compromised VCN data sets with the VCN data set stored on the first database to determine whether the VCN data sets have been compromised; for each compromised VCN data set, training the recurrent neural network (RNN) to associate the compromised VCN data sets with one or more sequential patterns found within the compromised VCN data sets to generate a trained RNN; receiving a first VCN data set from the first database; determining whether the first VCN data set matches a compromised VCN data set; and transmitting a message indicating the determination to a user or provider device.Type: GrantFiled: January 29, 2021Date of Patent: July 4, 2023Assignee: Capital One Services, LLCInventors: Jacob Learned, Michael Saia, Max Miracolo, Kaylyn Gibilterra
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Patent number: 11682092Abstract: A platform receives transaction information for an entity, where the transaction information identifies a plurality of transactions associated with the entity, and receives entity information associated with the entity. The platform identifies, using a first model, a selected set of transactions based on the transaction information and the entity information, where the first model outputs information identifying the selected set of transactions based on the selected set of transactions being associated with an event, a theme, or a transaction parameter. The platform determines, using a second model, potential modifications to a document based on the selected set of transactions, where the second model receives the information identifying the selected set of transactions or information identifying the event, the theme, or the transaction parameter, and where the second model outputs information identifying the potential modifications.Type: GrantFiled: April 8, 2021Date of Patent: June 20, 2023Assignee: Capital One Services, LLCInventors: Alexandra Colevas, Sophie Bermudez, Kaylyn Gibilterra, Sarah J. Cunningham, Salik Shah, Michael Saia
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Publication number: 20220383263Abstract: A device receives interviewer data, associated with interviewers conducting interviews with interviewees, that includes data identifying avatars presented to the interviewers. The device receives interviewee data, associated with the interviewees, that includes data identifying genders of the interviewees. The device processes the interviewer data and the interviewee data, with a model, to generate unbiased training data, and trains a machine learning model, with the unbiased training data, to generate a trained machine learning model. The device receives particular interviewer data identifying a particular role, location, and/or gender of a particular interviewer, and receives particular interviewee data identifying a gender of a particular interviewee.Type: ApplicationFiled: June 30, 2022Publication date: December 1, 2022Inventors: Michael MOSSOBA, Abdelkadar M'Hamed BENKREIRA, Jeffrey RULE, Kaylyn GIBILTERRA
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Publication number: 20220253861Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: ApplicationFiled: April 27, 2022Publication date: August 11, 2022Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Publication number: 20220245640Abstract: Disclosed are systems and methods for data breach identification. The method may include: generating virtual card number (VCN) data sets; storing the VCN data sets on a first database; receiving one or more compromised VCN data sets stored on a second database and obtained from a scan of unindexed websites; comparing the compromised VCN data sets with the VCN data set stored on the first database to determine whether the VCN data sets have been compromised; for each compromised VCN data set, training the recurrent neural network (RNN) to associate the compromised VCN data sets with one or more sequential patterns found within the compromised VCN data sets to generate a trained RNN; receiving a first VCN data set from the first database; determining whether the first VCN data set matches a compromised VCN data set; and transmitting a message indicating the determination to a user or provider device.Type: ApplicationFiled: January 29, 2021Publication date: August 4, 2022Applicant: Capital One Services, LLCInventors: Jacob LEARNED, Michael SAIA, Max MIRACOLO, Kaylyn GIBILTERRA
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Patent number: 11348113Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: GrantFiled: May 20, 2020Date of Patent: May 31, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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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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Publication number: 20210398131Abstract: 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 providing biometric detection of coercion of a user. The system may detect a trigger event associated with a potential transfer of funds and may receive user biometric data. The system may determine, based on stored user biometric data and the detected user biometric data, a confidence level that the stored user biometric data is indicative of biological information representative of a user being in a stressed state. The system may initiate one or more precautionary safety measures.Type: ApplicationFiled: August 31, 2021Publication date: December 23, 2021Inventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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Publication number: 20210365947Abstract: The disclosed technology relates to Spend Limit Systems for gas-station refuel transactions. An exemplary system may receive vehicle information identifying a customer's vehicle and identify associated vehicle characteristics (e.g., gas tank size). The system may identify a known gas-station transaction geographic region for the customer. When the customer (or a fraudster) attempts to purchase gas, the system may receive a transaction request and, in response, set a single transaction limit sufficient to fill the gas tank size with gas and an associated spend limit. The system may also determine whether the merchant location falls within the known gas-station transaction geographic region. When it does, the system may approve the transaction request up to the spend limit. Otherwise, the system may perform one or more fraud prevention actions to authenticate the customer and either approve or deny the transaction request up to the spend limit and/or selectively perform fraud mitigation action(s).Type: ApplicationFiled: May 20, 2020Publication date: November 25, 2021Inventors: Abdelkader Benkreira, Nimma Bhusri, Kaylyn Gibilterra
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Publication number: 20210289071Abstract: A user device may output an indication of an incoming call from a calling device. The user device may receive a request to screen the incoming call. The user device may analyze a transcription of voice input, received from the calling device, for one or more keywords related to a request for funds. The user device may output one or more input options, which permit a user of the user device to respond to the request for funds, including an input option to transfer funds from a first account associated with the user device to a second account associated with the calling device. The user device may detect a user interaction with the input option to transfer funds from the first account to the second account. The user device may transmit a request that causes funds to be transferred from the first account to the second account.Type: ApplicationFiled: March 22, 2021Publication date: September 16, 2021Inventors: Brendan WAY, Kaylyn GIBILTERRA, Abdelkader M'Hamed BENKREIRA
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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: 11113693Abstract: 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 providing biometric detection of coercion of a user. The system may detect a trigger event associated with a potential transfer of funds and may receive user biometric data. The system may determine, based on stored user biometric data and the detected user biometric data, a confidence level that the stored user biometric data is indicative of biological information representative of a user being in a stressed state. The system may initiate one or more precautionary safety measures.Type: GrantFiled: April 28, 2020Date of Patent: September 7, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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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