Patents by Inventor Kevin M. Lowe

Kevin M. Lowe 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).

  • Patent number: 12192848
    Abstract: In some implementations, a system may receive exchange data that includes a credential for an exchange and an indication of an entity associated with the exchange. The system may determine that an entity location is within a threshold distance of a target location included in a set of target locations. The system may determine a baseline location associated with a user. The system may determine that the baseline location is outside of a threshold proximity of all target locations included in the set of target locations. The system may transmit, to a mobile device associated with the user, a message that includes an indication of the target location based on determining that the entity location is within the threshold distance of the target location and based on determining that the baseline location is outside of the threshold proximity of all target locations included in the set of target locations.
    Type: Grant
    Filed: May 23, 2023
    Date of Patent: January 7, 2025
    Assignee: Capital One Services, LLC
    Inventor: Kevin M. Lowe
  • Patent number: 12001752
    Abstract: In some implementations, a voice assistance device may receive an indication of a visualization change associated with the virtual or augmented reality environment. The voice assistance device may determine that a change value, calculated based on the indication of the visualization change, satisfies a relevance threshold. The voice assistance device may apply, based on the indicator of change satisfying the relevance threshold, a description model to determine at least one sentence describing the virtual or augmented reality environment. The voice assistance device may apply a text-to-speech model to the at least one sentence to generate a digital sound signal and may transmit, to an output component, the digital sound signal.
    Type: Grant
    Filed: February 7, 2023
    Date of Patent: June 4, 2024
    Assignee: Capital One Services, LLC
    Inventors: Julian Duque, Tania Cruz Morales, Kevin M. Lowe, Helen Temesghen-Blount, Luis Catacora
  • Publication number: 20240087051
    Abstract: Systems as described herein generate an outstanding check alert. An alert generating server may receive transaction records associated with a plurality of checking accounts. The alert generating server may user a first machine learning classifier to determine a transaction pattern indicating a merchant has failed to process outstanding checks for a period of time. The alert generating server may receive sequential check information comprising at least one missing check number associated with a particular checking account. The alert generating server may user a second machine learning classifier to determine at least one outstanding check associated with the particular checking account. The alert generating server may send an alert indicating the at least one outstanding check to a user device.
    Type: Application
    Filed: October 3, 2023
    Publication date: March 14, 2024
    Inventor: Kevin M. Lowe
  • Patent number: 11722836
    Abstract: In some implementations, a system may receive exchange data that includes a credential for an exchange and an indication of an entity associated with the exchange. The system may determine that an entity location is within a threshold distance of a target location included in a set of target locations. The system may determine a baseline location associated with a user. The system may determine that the baseline location is outside of a threshold proximity of all target locations included in the set of target locations. The system may transmit, to a mobile device associated with the user, a message that includes an indication of the target location based on determining that the entity location is within the threshold distance of the target location and based on determining that the baseline location is outside of the threshold proximity of all target locations included in the set of target locations.
    Type: Grant
    Filed: August 31, 2021
    Date of Patent: August 8, 2023
    Assignee: Capital One Services, LLC
    Inventor: Kevin M. Lowe
  • Publication number: 20230049335
    Abstract: Systems as described herein generate an outstanding check alert. An alert generating server may receive transaction records associated with a plurality of checking accounts. The alert generating server may user a first machine learning classifier to determine a transaction pattern indicating a merchant has failed to process outstanding checks for a period of time. The alert generating server may receive sequential check information comprising at least one missing check number associated with a particular checking account. The alert generating server may user a second machine learning classifier to determine at least one outstanding check associated with the particular checking account. The alert generating server may send an alert indicating the at least one outstanding check to a user device.
    Type: Application
    Filed: August 12, 2021
    Publication date: February 16, 2023
    Inventor: Kevin M. Lowe