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).

  • Publication number: 20230385840
    Abstract: 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: Application
    Filed: May 15, 2023
    Publication date: November 30, 2023
    Applicant: Capital One Services, LLC
    Inventors: Christopher LANGE, Xinrou LI, Melissa Yoemans HENG, Hrishikesh Milind KARAMBELKAR
  • Publication number: 20230343165
    Abstract: 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: Application
    Filed: June 29, 2023
    Publication date: October 26, 2023
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
  • Patent number: 11734985
    Abstract: 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: Grant
    Filed: March 2, 2022
    Date of Patent: August 22, 2023
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
  • Publication number: 20230020843
    Abstract: Embodiments are generally directed to systems, devices, and techniques to authenticate unauthenticated users to perform sensitive actions.
    Type: Application
    Filed: July 19, 2021
    Publication date: January 19, 2023
    Applicant: Capital One Services, LLC
    Inventors: Justin Anthony BOWERS, James ASHFIELD, Melissa Yoemans HENG
  • Patent number: 11436887
    Abstract: 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: Grant
    Filed: February 16, 2021
    Date of Patent: September 6, 2022
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
  • Publication number: 20220270429
    Abstract: 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: Application
    Filed: March 2, 2022
    Publication date: August 25, 2022
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
  • Publication number: 20210166517
    Abstract: 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: Application
    Filed: February 16, 2021
    Publication date: June 3, 2021
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
  • Patent number: 10957143
    Abstract: 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: Grant
    Filed: March 23, 2020
    Date of Patent: March 23, 2021
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
  • Publication number: 20200302728
    Abstract: 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: Application
    Filed: March 23, 2020
    Publication date: September 24, 2020
    Applicant: Capital One Services, LLC
    Inventors: Jeffrey RULE, Daniel HERRINGTON, Colin HART, Melissa Yoemans HENG
  • Patent number: 10643420
    Abstract: 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: Grant
    Filed: March 20, 2019
    Date of Patent: May 5, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng
  • Patent number: 10636241
    Abstract: 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: Grant
    Filed: October 1, 2019
    Date of Patent: April 28, 2020
    Assignee: Capital One Services, LLC
    Inventors: Jeffrey Rule, Daniel Herrington, Colin Hart, Melissa Yoemans Heng