Patents by Inventor Michael Saia
Michael Saia 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: 12236677Abstract: A processing platform may receive a plurality of images. The processing platform may determine respective asset types of the plurality of assets based on a computer vision technique. The processing platform may determine respective estimated values of the plurality of assets based on the respective asset types. The processing platform may provide information identifying the respective estimated values of the plurality of assets to two or more recipients. The processing platform may receive allocation information. The processing platform may determine a selected allocation of the plurality of assets for the two or more recipients based on the allocation information and using a second model. The processing platform may perform one or more actions based on the selected allocation.Type: GrantFiled: February 8, 2021Date of Patent: February 25, 2025Assignee: Capital One Services, LLCInventors: Sophie Bermudez, Alexandra Colevas, Michael Saia, Kaylyn Gibilterra, Sarah J. Cunningham, Salik Shah
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Patent number: 12141862Abstract: Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.Type: GrantFiled: September 15, 2022Date of Patent: November 12, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Michael Saia, Lin Ni Lisa Cheng, Rocky Guo, Seth Wilton Cottle
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Patent number: 12130907Abstract: Disclosed herein are system, method, and device embodiments for implementing password suggestion. An embodiment operates by selecting one or more random terms from dictionary information, generating an alphanumeric string based on a password requirement, combining the one or more random terms and the alphanumeric string to form a generated password, determining a password strength of the generated password based on compromised password information, and presenting the generated password for selection by a user device when the password strength meets or exceeds a threshold value.Type: GrantFiled: April 10, 2023Date of Patent: October 29, 2024Assignee: Capital One Services, LLCInventors: Max Miracolo, Jacob Learned, Kaylyn S. Gibilterra, Michael Saia
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Publication number: 20240311456Abstract: The present embodiments disclose systems and methods for authenticating a user with behavioral biometrics associated with a card. The card includes an accelerometer configured to measure the orientation of the card body. The system includes the card and a software application. The software application generates a user profile based on observed card biometrics, then determines whether a recent transaction significantly deviates from the profile.Type: ApplicationFiled: March 16, 2023Publication date: September 19, 2024Inventors: Jennifer KWOK, Phoebe ATKINS, Viraj CHAUDHARY, Leeyat Bracha TESSLER, Tyler MAIMAN, Ray CHENG, Vyjayanthi VADREVU, Michael SAIA
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Publication number: 20240311831Abstract: Systems and methods for preventing fraud using behavioral biometrics may include a server with memory and a processor. The processor may be configured to create a behavioral biometric use-print for a user based on a plurality of observed and recorded user interactions and then monitor one or more behavioral biometrics of the user while the user accesses a user account. These monitored behavioral biometrics may be compared against the behavioral biometric use-print to determine if there are material deviations indicating that the user is under stress. When the server determines that the user is under stress, it may provide an intervention to help safeguard against potential in-process fraud.Type: ApplicationFiled: March 14, 2023Publication date: September 19, 2024Inventors: Jennifer KWOK, Vyjayanthi VADREVU, Michael SAIA, Viraj CHAUDHARY, Phoebe ATKINS, Tyler MAIMAN, Leeyat Bracha TESSLER, Ray CHENG
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Patent number: 12079798Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client application, and a server are provided. The memory of the contactless card may include a first card number table storing a first plurality of card numbers, each card number associated with a user account. A first applet may cycle through the first card number table and transmit each of the first plurality of card numbers to a second applet. In response to detection of one or more gestures by the card, the client application may read one or more of the first plurality of card numbers from the second applet and transmit a verification request associated with the one or more read card numbers to the server, which may compare the one or more read card numbers to a number from a second card number table and transmit a verification determination to authenticate the card.Type: GrantFiled: February 6, 2023Date of Patent: September 3, 2024Assignee: CAPITAL ONE SERVICES, LLCInventors: Colin Hart, Michael Saia, Bryant Yee, William Carroll
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Publication number: 20240202483Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. The card frame may include a window in which contact pads of the transaction card are positioned and flush with the surface of the card frame when the transaction card is secured in the receptacle. The card frame and transaction card assembled together may form a uniform assembly that appears and functions as a traditional transaction card (e.g., credit card).Type: ApplicationFiled: December 22, 2023Publication date: June 20, 2024Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Publication number: 20240202487Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.Type: ApplicationFiled: December 22, 2023Publication date: June 20, 2024Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Publication number: 20240176978Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions. The transaction card and/or the card frame may include one or more visual or tactile regions that allow the transaction card and card frame to be distinguished from other cards and/or to be properly oriented and aligned with one another when combined to form the card assembly.Type: ApplicationFiled: February 7, 2024Publication date: May 30, 2024Inventors: Vyjayanthi Vadrevu, Phoebe Atkins, Michael Saia
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Publication number: 20240160886Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.Type: ApplicationFiled: November 29, 2023Publication date: May 16, 2024Inventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
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Publication number: 20240095821Abstract: Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.Type: ApplicationFiled: September 15, 2022Publication date: March 21, 2024Inventors: Michael Saia, Lin Ni Lisa Cheng, Rocky Guo, Seth Wilton Cottle
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Patent number: 11934900Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions. The transaction card and/or the card frame may include one or more visual or tactile regions that allow the transaction card and card frame to be distinguished from other cards and/or to be properly oriented and aligned with one another when combined to form the card assembly.Type: GrantFiled: June 1, 2022Date of Patent: March 19, 2024Assignee: Capital One Services, LLCInventors: Vyjayanthi Vadrevu, Phoebe Atkins, Michael Saia
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Patent number: 11907786Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. The card frame may include a window in which contact pads of the transaction card are positioned and flush with the surface of the card frame when the transaction card is secured in the receptacle. The card frame and transaction card assembled together may form a uniform assembly that appears and functions as a traditional transaction card (e.g., credit card).Type: GrantFiled: June 1, 2022Date of Patent: February 20, 2024Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Patent number: 11893443Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.Type: GrantFiled: June 1, 2022Date of Patent: February 6, 2024Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Patent number: 11893573Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.Type: GrantFiled: December 1, 2021Date of Patent: February 6, 2024Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Patent number: 11868833Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.Type: GrantFiled: December 1, 2021Date of Patent: January 9, 2024Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
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Patent number: 11847682Abstract: Disclosed herein are system, method, and computer program product embodiments for recommending a service provider. An embodiment operates by receiving a search request specifying a service request by a user and location for the requested service, retrieving prior financial transactions of the user to purchase the service from a database, and determining a preference of the user based on the retrieved prior financial transactions. The embodiment further operates by applying the preference to a model trained to output a recommended service provider and selecting the recommended service provider for display on a user's device. The model more likely recommends service providers in the location having a higher ratio of tip-to-price relative to other providers for the service in the location based on a history of prior financial transactions of a plurality of users.Type: GrantFiled: May 18, 2020Date of Patent: December 19, 2023Assignee: Capital One Services, LLCInventors: Leeyat Bracha Tessler, Kyle Johnson, Rocky Guo, Elisa-Michelle Rodriguez, Angelina Wu, Michael Saia, Lin Ni Lisa Cheng
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Publication number: 20230351397Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method providing biometric detection of coercion of a user. The system may detect a trigger event associated with a potential transfer of funds and may receive user biometric data. The system may determine, based on stored user biometric data and the detected user biometric data, a confidence level that the stored user biometric data is indicative of biological information representative of a user being in a stressed state. The system may initiate one or more precautionary safety measures.Type: ApplicationFiled: June 26, 2023Publication date: November 2, 2023Inventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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Patent number: D1032719Type: GrantFiled: December 9, 2022Date of Patent: June 25, 2024Assignee: Capital One Services, LLCInventors: Tyler Maiman, Lin Ni Lisa Cheng, Michael Saia
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Patent number: D1060497Type: GrantFiled: June 1, 2022Date of Patent: February 4, 2025Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia