Patents by Inventor Kevan Emmott
Kevan Emmott 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: 20240137350Abstract: A method for facilitating anonymized interactions and/or identifying or validating a user via a virtual number may include: receiving a login request from a user device associated with a user that identifies the user via a virtual number; in response to receiving the login request, determining whether the virtual interaction item number is valid; in response to determining that it is valid: validating the login request; and identifying an entity associated with the virtual number; receiving from the user device, an interaction-completion request; in response to receiving the interaction-completion request, transmitting a user information request to the entity associated with the virtual number; receiving a reply to the user-information request from the entity; and in response to receiving the reply, completing the interaction-completion request using the reply.Type: ApplicationFiled: October 18, 2022Publication date: April 25, 2024Applicant: Capital One Services, LLCInventors: Jeffrey Carlyle WIEKER, Clayton JOHNSON, Kevan EMMOTT
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Patent number: 11907932Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.Type: GrantFiled: October 21, 2022Date of Patent: February 20, 2024Assignee: Capital One Services LLCInventors: Jeffrey Rule, Kevan Emmott
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Patent number: 11900354Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.Type: GrantFiled: October 6, 2022Date of Patent: February 13, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Publication number: 20230410120Abstract: Disclosed embodiments pertain to systems and methods related to user authentication with a virtual payment card. A virtual card number can be requested as a login credential for a user. A virtual card number can be transmitted through a credit card payment network to a financial institution that issued the virtual card for payment authorization. The user can subsequently be authenticated in response to a granted payment authorization by the financial institution. The financial institution can execute a machine learning model trained to infer fraud based on a usage pattern associated with a virtual card number. Granting or denying payment authorization can depend on a confidence score returned by the model regarding the likelihood of fraud. A virtual card number associated with authentication can include one or more distinguishing characteristics in one instance. Further, virtual card numbers can include use restrictions in time and location.Type: ApplicationFiled: June 15, 2022Publication date: December 21, 2023Inventors: Jeffrey Carlyle Wieker, Kevan Emmott, Clayton Johnson
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Patent number: 11803850Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.Type: GrantFiled: September 28, 2022Date of Patent: October 31, 2023Assignee: Capital One Services, LLCInventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Kevan Emmott, Michael Mossoba
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Publication number: 20230281024Abstract: 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: January 13, 2023Publication date: September 7, 2023Applicant: 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: 11742894Abstract: Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card. Embodiments also include enabling a near-field communication device to send a communication to the contactless card based on the detection of the resonant signal, the near-field communication device to communicate with the contactless card in a near-field communication frequency range.Type: GrantFiled: January 25, 2022Date of Patent: August 29, 2023Assignee: Capital One Services, LLCInventors: Kevin Osborn, David Wurmfeld, Kevan Emmott
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Publication number: 20230085206Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.Type: ApplicationFiled: October 21, 2022Publication date: March 16, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Kevan EMMOTT
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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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Publication number: 20230031836Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.Type: ApplicationFiled: September 28, 2022Publication date: February 2, 2023Applicant: Capital One Services, LLCInventors: Joshua EDWARDS, Abdelkader M'Hamed BENKREIRA, Kevan EMMOTT, Michael MOSSOBA
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Publication number: 20230031947Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.Type: ApplicationFiled: October 6, 2022Publication date: February 2, 2023Applicant: CAPITAL ONE SERVICES, LLCInventors: Adam R. KOEPPEL, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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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: 11507942Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.Type: GrantFiled: February 25, 2021Date of Patent: November 22, 2022Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Kevan Emmott
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Patent number: 11494757Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.Type: GrantFiled: October 24, 2018Date of Patent: November 8, 2022Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, James Zarakas, Molly Johnson, Tyler Locke, Rajko Ilincic, Kevan Emmott
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Patent number: 11488166Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.Type: GrantFiled: January 2, 2019Date of Patent: November 1, 2022Assignee: Capital One Services, LLCInventors: Joshua Edwards, Abdelkader M'Hamed Benkreira, Kevan Emmott, Michael Mossoba
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Publication number: 20220255585Abstract: Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card.Type: ApplicationFiled: January 25, 2022Publication date: August 11, 2022Applicant: Capital One Services, LLCInventors: Kevin OSBORN, David WURMFELD, Kevan EMMOTT
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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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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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Patent number: 11271609Abstract: Various embodiments are generally directed to techniques communicate in a cellular communication frequency range, detect a resonant signal in response to the communication in the cellular communication frequency range for cellular communication, the resonant signal to indicate presence of a contactless card. Embodiments also include enabling a near-field communication device to send a communication to the contactless card based on the detection of the resonant signal, the near-field communication device to communicate with the contactless card in a near-field communication frequency range.Type: GrantFiled: March 18, 2020Date of Patent: March 8, 2022Assignee: Capital One Services, LLCInventors: Kevin Osborn, David Wurmfeld, Kevan Emmott
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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