Patents by Inventor Lawrence Douglas

Lawrence Douglas 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).

  • Publication number: 20180204211
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, enable parties conducting transactions to identify a financial institution and payment network for a financial account associated with a pre-provisioned payment token using existing payment protocols. The method may include receiving from a third-party device a request for funding account information that identifies a token that does not identify a financial service provider or a payment network. The method may further include accessing a database to retrieve token information associated with the token, the token information include a link account number that indicates a funding account, a financial service provider associated with the funding account, and a payment network, and user preferences associated with the token.
    Type: Application
    Filed: February 28, 2018
    Publication date: July 19, 2018
    Applicant: Capital One Services, LLC
    Inventor: Lawrence DOUGLAS
  • Publication number: 20180189780
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. The wearable devices may further transfer tokens securely to interested parties without Bluetooth® or other network connectivity beyond NFC radio. In some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault ID associated with the user. The token vault operator system may further configure access to data sets generated for and associated with the token vault ID, generate tokens associated with the token vault ID, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault ID to at least one user device.
    Type: Application
    Filed: February 28, 2018
    Publication date: July 5, 2018
    Applicant: CAPITAL ONE SERVICES, LLC
    Inventors: Lawrence DOUGLAS, Paul MORETON
  • Publication number: 20180183804
    Abstract: Systems and methods are provided for managing electronic tokens for device interactions. In some embodiments, a unified graphical user interface is provided for an account, for controlling the activation status and settings associated with authorized electronic devices used for conducting transactions on the account. The electronic devices may be programmed with an electronic token that allows a server to look up sensitive account information, although the electronic token does not divulge the account information itself. Therefore, if an electronic token is compromised or stolen, the account does not need to be closed, and sensitive information remains safe. Moreover, the unified graphical user interface provides detailed and highly customizable controls for settings and restrictions associated with each of the electronic tokens, without modifying or accessing sensitive account or personal information.
    Type: Application
    Filed: February 23, 2018
    Publication date: June 28, 2018
    Applicant: Capital One Services, LLC
    Inventors: PAUL MORETON, Lawrence DOUGLAS, Thomas POOLE, Thomas Christopher CLARKE, Saejin CHOI
  • Publication number: 20180165683
    Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.
    Type: Application
    Filed: January 25, 2018
    Publication date: June 14, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Lawrence DOUGLAS, Robert D. ROWLEY, Philip KIM
  • Publication number: 20180150827
    Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.
    Type: Application
    Filed: January 25, 2018
    Publication date: May 31, 2018
    Applicant: Capital One Services, LLC
    Inventors: Lawrence DOUGLAS, Luke A. HAMMOCK
  • Publication number: 20180137499
    Abstract: Disclosed embodiments include methods, systems, and computer-readable media configured to, for example, provide payment tokens for conducting transactions, as well as reprovisioning tokens, on wearable devices without Bluetooth® or other network connectivity beyond NFC radio.
    Type: Application
    Filed: January 11, 2018
    Publication date: May 17, 2018
    Inventors: Lawrence Douglas, Paul Moreton
  • Publication number: 20180121927
    Abstract: Systems and methods are provided for authenticating mobile payments from a customer account to a merchant. The systems and methods may include a financial service provider receiving a request to authorize an electronic transaction at a point-of-sale. A financial service provider server computer may verify that the customer is present at the point-of-sale using received location data. An image having distorted text such as a captcha may be transmitted to a device at the point-of-sale, and the customer may read the captcha aloud. A voice sample of the customer may be sent to the financial service provider for comparison to stored voice recordings, to verify that the customer's voice sample is authentic if the voice matches a previously generated voice recording for the account. If the voice sample is authentic, the financial service provider may authorize the mobile payment.
    Type: Application
    Filed: December 18, 2017
    Publication date: May 3, 2018
    Inventors: Lawrence Douglas, Paul Y. Moreton
  • Publication number: 20180121995
    Abstract: The disclosed embodiments include methods and systems for providing financial services for three-dimensional (3D) manufacturing. Consistent with disclosed embodiments, a system may receive a request and payment information from a user for producing a 3D manufacturing product. The system may then transmit the payment information to one or more vendors identified by the request. The system may also provide a registration number associated with the 3D manufacturing product to the user. The one or more vendors may include a manufacturer system and/or a designer system. The designer system may transmit a 3D design file associated with the 3D manufacturing product to the manufacturer after receiving the payment information associated with the 3D manufacturing product.
    Type: Application
    Filed: December 27, 2017
    Publication date: May 3, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Luke A. HAMMOCK, Janusz M. NICZYPORUK, Lawrence DOUGLAS
  • Publication number: 20180097897
    Abstract: Methods and systems are disclosed for providing location services. Consistent with disclosed embodiments, disclosed systems and methods may include a beacon registering device for providing location services. The beacon registering device may include a non-transitory memory storing instructions.
    Type: Application
    Filed: November 21, 2017
    Publication date: April 5, 2018
    Inventors: Lawrence Douglas, Thomas Christopher Clarke, Deborah Nally
  • Patent number: 9922318
    Abstract: The disclosed embodiments include methods and systems for providing payment token transactions by a mobile device. The mobile device may be operable to obtain a payment token, where the payment token is associated with one or more payment token parameters and the mobile device may be configured to communicate with a financial service provider system over a first network when connectivity to the first network is available to the mobile device. The mobile device may provide the payment token to a contactless payment terminal (CPT) associated with a merchant, during a purchase transaction involving a product provided by the merchant, where the mobile device may communicate the payment token to the CPT over a local network that is different from the first network such that connectivity between the mobile device and the first network is not required.
    Type: Grant
    Filed: January 26, 2015
    Date of Patent: March 20, 2018
    Assignee: Capital One Services, LLC
    Inventors: Lawrence Douglas, Luke A. Hammock
  • Patent number: 9866643
    Abstract: Methods and systems are disclosed for providing location services. Consistent with disclosed embodiments, disclosed systems and methods may include a beacon registering device for providing location services. The beacon registering device may include a non-transitory memory storing instructions.
    Type: Grant
    Filed: September 23, 2016
    Date of Patent: January 9, 2018
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Lawrence Douglas, Thomas Christopher Clarke, Deborah Nally
  • Publication number: 20170249628
    Abstract: A batteryless payment device is disclosed. According to certain embodiments, the batteryless payment device may include a first communication system and a second communication system, the second communication system being a near-field-communication (NFC) system. The batteryless payment device may also include a power receiver coupled to the first communication system and configured to wirelessly receive power from an external device for powering the first communication system. The batteryless payment device may further include a controller configured to: when the first communication system is powered, establish, via the first communication system, a first wireless connection with a user device; receive, through the first wireless communication, a token from the user device; establish, via the second communication system, a second wireless connection with a payment terminal; and transmit, through the second wireless connection, the token to the payment terminal.
    Type: Application
    Filed: February 27, 2017
    Publication date: August 31, 2017
    Inventors: LAWRENCE DOUGLAS, PAUL Y. MORETON
  • Publication number: 20170223027
    Abstract: Systems and methods are provided for managing electronic tokens associated with an account. A system may include a memory storing instructions and account information associated with an account, and a processor configured to executed the stored instructions to: access information associated with one or more electronic tokens associated with the account, wherein the information includes one or more token settings, receive, via a network, information for a transaction request including a first token; analyze the received information to determine whether at least one rule in the one or more token settings is violated, responsive to a determination that at least one rule is violated, transmit an indication that the transaction request is denied, and responsive to a determination that no rules are violated, detokenize the transaction request.
    Type: Application
    Filed: April 19, 2017
    Publication date: August 3, 2017
    Inventors: Paul MORETON, Lawrence DOUGLAS, Thomas POOLE, Thomas Christopher CLARKE, Saejin CHOI
  • Publication number: 20170148074
    Abstract: A system and method include a kiosk processor, a device kiosk on a customer mobile device, which displays via a user interface, content and options for the customer from a third party customer service system, a customer interaction channel that receives, via an associated customer interaction network, a request to access the third party customer service system, via the device kiosk on a customer mobile device, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request via a network to authenticate the customer, identifies a customer mobile device based on device identifiers, and evaluates risk factors associated with the customer mobile device, and a communication interface associated with the kiosk processor, that transmits, via a push notification gateway, a push notification to the device kiosk on the customer mobile device that establishes, via the network, a secure connection between the customer mobile device and
    Type: Application
    Filed: November 21, 2016
    Publication date: May 25, 2017
    Inventors: Lawrence DOUGLAS, Thomas S. POOLE, Hannes JOUHIKAINEN
  • Publication number: 20170109724
    Abstract: The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function.
    Type: Application
    Filed: December 28, 2016
    Publication date: April 20, 2017
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Lawrence Douglas, Paul Y. Moreton
  • Publication number: 20170093991
    Abstract: Methods and systems are disclosed for providing location services. Consistent with disclosed embodiments, disclosed systems and methods may include a beacon registering device for providing location services. The beacon registering device may include a non-transitory memory storing instructions.
    Type: Application
    Filed: September 23, 2016
    Publication date: March 30, 2017
    Inventors: LAWRENCE DOUGLAS, Thomas Christopher CLARKE, Deborah NALLY
  • Publication number: 20170011423
    Abstract: Systems and methods are provided for outputting individualized targeted interaction information to a user in an environment based on detection of a device associated with the user within the environment using a plurality of sensors positioned within the environment. In some embodiments, the system includes a memory storing a set of instructions and at least one processor configured to execute the instructions to determine location information of the device based on a communication between the device and at least one of the plurality of sensors, and determine identification information of the user associated with the device. The system may access profile information associated with the user, determine targeted interaction information based on the location information of the device and the profile information associated with the user, and provide the targeted interaction information for display to the user.
    Type: Application
    Filed: July 8, 2016
    Publication date: January 12, 2017
    Inventors: Lawrence DOUGLAS, Thomas Christopher CLARKE, Deborah NALLY
  • Publication number: 20170006429
    Abstract: Methods and systems are provided for path management. Consistent with disclosed embodiments, path management system may be configured to perform a series of operations for real time path analysis. The embodiments may determine a user location based on received location data, and then determine a user path based on a sequence of user locations. The embodiments may calculate a path map based on user locations, and then determine one or more of a user density map and a user velocity map based on the path map. The embodiments may determine regions of the user density maps and user velocity maps, and provide instructions to one or more of an environment and a user device. The embodiments may provide guidance to a user of user of the path management system, and/or instructions to change a status of a service location; or modify a product layout or fixture arrangement.
    Type: Application
    Filed: June 29, 2016
    Publication date: January 5, 2017
    Inventors: Lawrence Douglas, Thomas Christopher Clarke, Deborah Nally
  • Publication number: 20160371636
    Abstract: Systems, methods, and computer-readable media are provided for enabling mobile device-based item acquisition and tracking. One exemplary method performed on a mobile device comprises entering a wireless scan mode, detecting a signal from a tag associated with an item in a first area and in proximity to the tag, presenting information associated with the tag, and adding the information to a list. The method further comprises detecting a second tag in a second area, and sending the list to a second device. A second exemplary method performed by a processing terminal comprises receiving the list from a mobile device, entering a wireless scan mode, detecting a signal from a tag associated with an item in proximity to the tag, determining whether the item associated with the detected tag is present on the received list, and enabling the mobile device to complete a transaction to purchase the item.
    Type: Application
    Filed: June 17, 2016
    Publication date: December 22, 2016
    Inventors: Lawrence Douglas, Thomas Christopher Clarke, Deborah Nally
  • Publication number: 20160373458
    Abstract: Systems and methods are provided for managing electronic tokens for device interactions. In some embodiments, a unified graphical user interface is provided for an account, for controlling the activation status and settings associated with authorized electronic devices used for conducting transactions on the account. The electronic devices may be programmed with an electronic token that allows a server to look up sensitive account information, although the electronic token does not divulge the account information itself. Therefore, if an electronic token is compromised or stolen, the account does not need to be closed, and sensitive information remains safe. Moreover, the unified graphical user interface provides detailed and highly customizable controls for settings and restrictions associated with each of the electronic tokens, without modifying or accessing sensitive account or personal information.
    Type: Application
    Filed: June 17, 2016
    Publication date: December 22, 2016
    Inventors: Paul MORETON, Lawrence DOUGLAS, Thomas POOLE, Thomas Christopher CLARKE, Saejin CHOI