Patents by Inventor Latika Gulati
Latika Gulati 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: 12164989Abstract: Example embodiments of information-shielding cards and systems and methods of fabricating the same are provided. An information-shielding card can comprising a substrate comprising a first layer, a second layer, a third layer, a chip embedded in the second layer, and a quick-response (QR) code formed on the second layer. The second layer can be disposed between the first layer and the third layer. The first layer can comprise a first material that is transparent when exposed to a non-visible light, the second layer can comprise a second material that is opaque when exposed to visible light and when exposed to non-visible light, and the third layer comprises a third material that is transparent when exposed to a non-visible light.Type: GrantFiled: September 12, 2023Date of Patent: December 10, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Cruz Vargas, Bryant Yee, Latika Gulati
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Patent number: 12166892Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: August 31, 2022Date of Patent: December 10, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
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Patent number: 12159272Abstract: An exemplary system, method, and computer-accessible medium for determining product abandonment for an item(s) can include receiving first information related to a plurality of in-person transactions for a plurality of customers from a point of sale (POS) device(s) located at a merchant(s), where the first information can include transaction information related to the item(s), determining second information related to a reduction of a quantity of the item(s) from the first information by an operator(s) of the POS device(s), generating third information by identifying particular transactions that include the reduction of the quantity, and determining the product abandonment based on the third information by applying (i) a pattern recognition procedure or (ii) a machine learning procedure to the third information. The first information can include in-person transactions that occurred over a particular period of time, and the particular period of time can correspond to a sales cycle of the merchant(s).Type: GrantFiled: August 17, 2020Date of Patent: December 3, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Joshua Edwards, Lukiih Cuan, Latika Gulati
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Patent number: 12155770Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: December 7, 2022Date of Patent: November 26, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
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Patent number: 12124980Abstract: A device receives image data associated with an environment of an individual and identifies verifiable content by processing the image data. The device processes the verifiable content to determine a likelihood that the individual is an employee or agent of an organization and to determine a set of likelihoods of the environment being a work environment. The device determines, based on the likelihood and the set of likelihoods, a number of verifiable hours worked by the individual during a given time period. The device identifies wages data that specifies a number of hours worked that has been credited to the individual for the given time period, determines that an amount of wages paid to the individual is an incorrect amount of wages, and provides an alert to another device that indicates that the amount of wages paid to the individual is the incorrect amount of wages.Type: GrantFiled: July 2, 2021Date of Patent: October 22, 2024Assignee: Capital One Services, LLCInventors: Michael Mossoba, Abdelkader M'Hamed Benkreira, Latika Gulati
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Patent number: 12125027Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: September 28, 2021Date of Patent: October 22, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
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Patent number: 12112322Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: October 14, 2021Date of Patent: October 8, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
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Patent number: 12106294Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: June 29, 2021Date of Patent: October 1, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
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Publication number: 20240232836Abstract: A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to retrieve a customer data record including bill payment activity associated with a provider account for a customer of a financial institution; and define a geographical footprint for the customer. The geographical footprint may be defined by identifying a customer set including the customer from a plurality of customers of a provider of the provider account, having customer records indicating geographic proximity, and determining that a predetermined fraction of the customer set are associated with a common billing cycle for the provider. The computer-readable program code may be executable by the processor to send a bill payment alert for transmission to the customer via electronic communication or telephonic communication, when the bill payment activity meets a threshold condition, wherein the threshold condition is determined at least in part by the geographical footprint.Type: ApplicationFiled: October 23, 2023Publication date: July 11, 2024Applicant: Capital One Services, LLCInventors: Latika GULATI, Joshua EDWARDS, Lukiih CUAN
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Publication number: 20240211986Abstract: Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.Type: ApplicationFiled: December 29, 2023Publication date: June 27, 2024Applicant: Capital One Services, LLCInventors: Sophie BERMUDEZ, Salik SHAH, Latika GULATI
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Publication number: 20240152644Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.Type: ApplicationFiled: January 12, 2024Publication date: May 9, 2024Inventors: Leeyat Bracha Tessler, Kyle Johnson, Latika Gulati
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Patent number: 11974127Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: August 18, 2021Date of Patent: April 30, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Kaitlin Newman, Kimberly Haynes, Charles Nathan Crank, Andrew Cogswell, Colin Hart, Jeffrey Rule, Lara Mossler, Latika Gulati, Abdelkader Benkreira, Sarah Jane Cunningham, Sophie Bermudez, Michael Mossoba, Wayne Lutz
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Publication number: 20240135347Abstract: A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to retrieve a customer data record including bill payment activity associated with a provider account for a customer of a financial institution; and define a geographical footprint for the customer. The geographical footprint may be defined by identifying a customer set including the customer from a plurality of customers of a provider of the provider account, having customer records indicating geographic proximity, and determining that a predetermined fraction of the customer set are associated with a common billing cycle for the provider. The computer-readable program code may be executable by the processor to send a bill payment alert for transmission to the customer via electronic communication or telephonic communication, when the bill payment activity meets a threshold condition, wherein the threshold condition is determined at least in part by the geographical footprint.Type: ApplicationFiled: October 22, 2023Publication date: April 25, 2024Applicant: Capital One Services, LLCInventors: Latika GULATI, Joshua EDWARDS, Lukiih CUAN
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Patent number: 11935041Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.Type: GrantFiled: October 14, 2021Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Kaitlin Newman, Colin Hart, Jeffrey Rule, Lara Mossler, Sophie Bermudez, Michael Mossoba, Wayne Lutz, Charles Nathan Crank, Melissa Heng, Kevin Osborn, Kimberly Haynes, Andrew Cogswell, Latika Gulati, Sarah Jane Cunningham, James Ashfield
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Publication number: 20240086555Abstract: Systems and methods of the present disclosure enable split communication routing. A communication request associated with an electronic activity is received, the communication request specifying a virtual token and a data content, where the virtual token is a proxy for multiple actual data source profiles. A split rule defining a proportion of the data content to be attributed to each actual data source profile is determined. A security score is determined based on each actual data source profile and each proportion of the data content. The communication request is authorized based on the security score exceeding a threshold security score and access to the proportion of the data content in each actual data source profile is enabled. Each proportion of the data content is consolidated into a single response, and the electronic activity is executed with the single response.Type: ApplicationFiled: September 12, 2022Publication date: March 14, 2024Inventors: Latika Gulati, Michael Wolf, Lin Ni Lisa Cheng
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Patent number: 11921957Abstract: Embodiments disclosed are directed to a computing system that performs steps for providing follow-the-leader tapping control signals to one or more tapping devices. The computing system captures an interaction between a first user device and a user of the first user device. The computing system then generates a tapping control signal configured to instruct a tapping device to interact with a second user device based on the captured interaction. Subsequently, the computing system transmits the tapping control signal to the tapping device.Type: GrantFiled: December 8, 2021Date of Patent: March 5, 2024Assignee: Capital One Services, LLCInventors: Kevin Osborn, Joshua Edwards, Latika Gulati
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Patent number: 11914751Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.Type: GrantFiled: May 4, 2022Date of Patent: February 27, 2024Assignee: Capital One Services, LLCInventors: Leeyat Bracha Tessler, Kyle Johnson, Latika Gulati
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Publication number: 20240054490Abstract: Systems and methods of providing multimodal ATM accessibility are disclosed. In one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the ATM; establishing a communication session between the ATM and the wireless device based on a session key; instructing an app to provide a first graphical user interface (GUI) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an ATM transaction session for the user by instructing the app to provide a second GUI to the user at the wireless device, the second GUI comprising one or more GUI elements operable by the user to perform one or more ATM transactions with the user account at the wireless device.Type: ApplicationFiled: October 23, 2023Publication date: February 15, 2024Inventors: Elisa-Michelle Rodriguez, Kevin Osborn, Latika Gulati
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Publication number: 20240005121Abstract: Example embodiments of information-shielding cards and systems and methods of fabricating the same are provided. An information-shielding card can comprising a substrate comprising a first layer, a second layer, a third layer, a chip embedded in the second layer, and a quick-response (QR) code formed on the second layer. The second layer can be disposed between the first layer and the third layer. The first layer can comprise a first material that is transparent when exposed to a non-visible light, the second layer can comprise a second material that is opaque when exposed to visible light and when exposed to non-visible light, and the third layer comprises a third material that is transparent when exposed to a non-visible light.Type: ApplicationFiled: September 12, 2023Publication date: January 4, 2024Inventors: Cruz VARGAS, Bryant YEE, Latika GULATI
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Patent number: 11861645Abstract: Various embodiments are generally directed to method and devices to receive biometric data and transaction data relating to a transaction, apply a model to the biometric data and the transaction data to determine an emotional state of the user during the transaction, and determine an action associated for the transaction based on the emotional state of the user during the performance of the transaction. Embodiments further include causing performance of the action.Type: GrantFiled: July 15, 2021Date of Patent: January 2, 2024Assignee: Capital One Services, LLCInventors: Sophie Bermudez, Salik Shah, Latika Gulati