Patents by Inventor Melissa Yoemans Heng
Melissa Yoemans Heng 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: 20230385840Abstract: A system and method for preventing government identification-based fraud is disclosed. When a government identification submission session is initiated, several layers of security checks are performed to ensure that the user behind the session is not a fraudster. First, a session check is performed to ensure that the user device has not initiated more than a predetermined number of sessions within a predetermined time. Next, an attempt check is made in order to ensure that the user has not made more than a predetermined number of government identification submission attempts during the current session. Next, a dual-authentication check is performed to ensure that the phone number provided for the dual-authentication has not been used more than a maximum number of times during a recent period of time. And lastly, a general risk assessment is performed to look for any remaining high-risk flags.Type: ApplicationFiled: May 15, 2023Publication date: November 30, 2023Applicant: Capital One Services, LLCInventors: Christopher LANGE, Xinrou LI, Melissa Yoemans HENG, Hrishikesh Milind KARAMBELKAR
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Publication number: 20230343165Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: ApplicationFiled: June 29, 2023Publication date: October 26, 2023Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
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Patent number: 11734985Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: GrantFiled: March 2, 2022Date of Patent: August 22, 2023Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
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Publication number: 20230020843Abstract: Embodiments are generally directed to systems, devices, and techniques to authenticate unauthenticated users to perform sensitive actions.Type: ApplicationFiled: July 19, 2021Publication date: January 19, 2023Applicant: Capital One Services, LLCInventors: Justin Anthony BOWERS, James ASHFIELD, Melissa Yoemans HENG
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Patent number: 11436887Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: GrantFiled: February 16, 2021Date of Patent: September 6, 2022Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
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Publication number: 20220270429Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: ApplicationFiled: March 2, 2022Publication date: August 25, 2022Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
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Publication number: 20210166517Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: ApplicationFiled: February 16, 2021Publication date: June 3, 2021Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
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Patent number: 10957143Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: GrantFiled: March 23, 2020Date of Patent: March 23, 2021Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
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Publication number: 20200302728Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: ApplicationFiled: March 23, 2020Publication date: September 24, 2020Applicant: Capital One Services, LLCInventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
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Patent number: 10643420Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: GrantFiled: March 20, 2019Date of Patent: May 5, 2020Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
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Patent number: 10636241Abstract: Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.Type: GrantFiled: October 1, 2019Date of Patent: April 28, 2020Assignee: Capital One Services, LLCInventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng