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).
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Publication number: 20220389287Abstract: Disclosed herein are styrene butadiene rubber latex compositions with high solids content and methods for making and using these compositions. The method for making the styrene butadiene rubber latex compositions can include mixing a seed, a styrene, an initiator, a base, a surfactant, and a solvent; adding a first portion of 1,3-butadiene to make a first reaction mixture; heating the first reaction mixture for a first reaction time to make a first styrene butadiene rubber latex; mixing the first styrene butadiene rubber latex, a styrene, a base, an initiator, a surfactant, and a solvent; adding a second portion of 1,3-butadiene to make a second reaction mixture; and heating the second reaction mixture for a second reaction time to make a second styrene butadiene rubber latex, where the second styrene butadiene rubber latex has a solids content higher than that of the first styrene butadiene rubber latex.Type: ApplicationFiled: June 6, 2022Publication date: December 8, 2022Applicant: LION COPOLYMER HOLDINGS, LLCInventors: Lawrence Douglas HARRIS, Willie C. BURTON
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Publication number: 20220358500Abstract: 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 receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value.Type: ApplicationFiled: July 21, 2022Publication date: November 10, 2022Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Robert ROWLEY, Philip KIM, Joseph WHITCHURCH
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Publication number: 20220358106Abstract: Proxy-based scaling may be performed for databases. A proxy may be implemented for a database that can establish a connection between the proxy and a database engine to perform a database queries received from a client at the proxy. A scaling event may be detected for the database responsive to which the proxy may establish a connection with a new database engine which may, in some embodiments, have different capabilities or resources that address the features or criteria that triggered the scaling event. Session state may be copied from the database engine to the new database engine so that the new database engine may be able to provide access to the database on behalf of requests received from the client through the proxy.Type: ApplicationFiled: July 22, 2022Publication date: November 10, 2022Applicant: Amazon Technologies, Inc.Inventors: Saileshwar Krishnamurthy, Alexey Kuznetsov, Mushahid Alam, Anurag Windlass Gupta, Kamal Kant Gupta, Tengiz Kharatishvili, Bohan Liu, Sandor Loren Maurice, Alok Nandan Nikhil, Nicholas Piers O'Shea, Debanjan Saha, Yoni Shalom, Jagdeep Singh Sidhu, Hongbo Song, Alexandre Olegovich Verbitski, Lawrence Douglas Webley, Siyuan Xing, Yuhui Yuan, Yibo Zhu
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Publication number: 20220351182Abstract: 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: ApplicationFiled: July 14, 2022Publication date: November 3, 2022Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Luke A. HAMMOCK
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Patent number: 11481782Abstract: 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 receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value.Type: GrantFiled: July 20, 2020Date of Patent: October 25, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Robert Rowley, Philip Kim, Joseph Whitchurch
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Publication number: 20220284437Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.Type: ApplicationFiled: May 24, 2022Publication date: September 8, 2022Inventors: Thomas S. Poole, Lawrence Douglas, Matthew R. Brolund
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Patent number: 11423390Abstract: 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: GrantFiled: September 4, 2020Date of Patent: August 23, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Luke A. Hammock
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Publication number: 20220253859Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: ApplicationFiled: April 25, 2022Publication date: August 11, 2022Applicant: Capital One Services, LLCInventors: Daniel BECK, Lawrence DOUGLAS, Jeffrey SAMITT
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Publication number: 20220253826Abstract: 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: ApplicationFiled: January 20, 2022Publication date: August 11, 2022Applicant: Capital One Services, LLCInventors: LAWRENCE DOUGLAS, Paul Moreton
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Patent number: 11397711Abstract: Proxy-based scaling may be performed for databases. A proxy may be implemented for a database that can establish a connection between the proxy and a database engine to perform a database queries received from a client at the proxy. A scaling event may be detected for the database responsive to which the proxy may establish a connection with a new database engine which may, in some embodiments, have different capabilities or resources that address the features or criteria that triggered the scaling event. Session state may be copied from the database engine to the new database engine so that the new database engine may be able to provide access to the database on behalf of requests received from the client through the proxy.Type: GrantFiled: May 4, 2018Date of Patent: July 26, 2022Assignee: Amazon Technologies, Inc.Inventors: Saileshwar Krishnamurthy, Alexey Kuznetsov, Mushahid Alam, Anurag Windlass Gupta, Kamal Kant Gupta, Tengiz Kharatishvili, Bohan Liu, Sandor Loren Maurice, Alok Nandan Nikhil, Nicholas Piers O'Shea, Debanjan Saha, Yoni Shalom, Jagdeep Singh Sidhu, Hongbo Song, Alexandre Olegovich Verbitski, Lawrence Douglas Webley, Siyuan Xing, Yuhui Yuan, Yibo Zhu
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Publication number: 20220215062Abstract: In certain embodiments, a presentation of a user interface may be dynamically modified for a user based on data related to the user's email address or other user identifier. As an example, the user interface may be caused to reflect the look and feel of an interface of an entity trusted by the user, incorporate data items related to the user's identifier, or effectuate other modifications. In some embodiments, a user identifier of a user may be received via a user interface associated with the third party, and a query for data related to one or more user accounts associated with the user identifier may be generated. Based on the query, multiple datasets associated with different user accounts may be received, and a first dataset associated with a first account of the user may be selected over other datasets associated with the user's other accounts effectuate the presentation modification.Type: ApplicationFiled: February 8, 2022Publication date: July 7, 2022Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Jeffrey RULE, Kaitlin NEWMAN
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Patent number: 11367073Abstract: A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating a fraud score and/or action set (e.g., refer/decline/queue for review) based on the transactional behavior pattern and merchant risk. Account holder data may include, for example, an account type, an account balance, account credits and debits, and transaction data including merchant name, location, and transaction details.Type: GrantFiled: July 3, 2014Date of Patent: June 21, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Thomas S. Poole, Lawrence Douglas, Matthew R. Brolund
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Patent number: 11348111Abstract: In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.Type: GrantFiled: November 9, 2018Date of Patent: May 31, 2022Assignee: Capital One Services, LLCInventors: Daniel Beck, Lawrence Douglas, Jeffrey Samitt
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Patent number: 11341200Abstract: In certain embodiments, a presentation of a user interface may be dynamically modified for a user based on data related to the user's email address or other user identifier. As an example, the user interface may be caused to reflect the look and feel of an interface of an entity trusted by the user, incorporate data items related to the user's identifier, or effectuate other modifications. In some embodiments, a user identifier of a user may be received via a user interface associated with the third party, and a query for data related to one or more user accounts associated with the user identifier may be generated. Based on the query, multiple datasets associated with different user accounts may be received, and a first dataset associated with a first account of the user may be selected over other datasets associated with the user's other accounts effectuate the presentation modification.Type: GrantFiled: November 6, 2020Date of Patent: May 24, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Jeffrey Rule, Kaitlin Newman
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Publication number: 20220147587Abstract: In certain embodiments, a presentation of a user interface may be dynamically modified for a user based on data related to the user's email address or other user identifier. As an example, the user interface may be caused to reflect the look and feel of an interface of an entity trusted by the user, incorporate data items related to the user's identifier, or effectuate other modifications. In some embodiments, a user identifier of a user may be received via a user interface associated with the third party, and a query for data related to one or more user accounts associated with the user identifier may be generated. Based on the query, multiple datasets associated with different user accounts may be received, and a first dataset associated with a first account of the user may be selected over other datasets associated with the user's other accounts effectuate the presentation modification.Type: ApplicationFiled: November 6, 2020Publication date: May 12, 2022Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Jeffrey Rule, Kaitlin NEWMAN
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Publication number: 20220094753Abstract: 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: ApplicationFiled: October 12, 2021Publication date: March 24, 2022Applicant: CAPITAL ONE SERVICES, LLCInventors: LAWRENCE DOUGLAS, Thomas Christopher CLARKE, Deborah NALLY
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Patent number: 11257062Abstract: 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: GrantFiled: June 24, 2020Date of Patent: February 22, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Moreton
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Publication number: 20220051258Abstract: 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: ApplicationFiled: October 29, 2021Publication date: February 17, 2022Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Paul Y. MORETON
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Patent number: 11222337Abstract: 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: GrantFiled: June 2, 2020Date of Patent: January 11, 2022Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Paul Y. Moreton
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Patent number: 11165876Abstract: 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: GrantFiled: June 29, 2020Date of Patent: November 2, 2021Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Thomas Christopher Clarke, Deborah Nally