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).

  • Patent number: 12236677
    Abstract: 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: Grant
    Filed: February 8, 2021
    Date of Patent: February 25, 2025
    Assignee: Capital One Services, LLC
    Inventors: Sophie Bermudez, Alexandra Colevas, Michael Saia, Kaylyn Gibilterra, Sarah J. Cunningham, Salik Shah
  • Patent number: 12141862
    Abstract: 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: Grant
    Filed: September 15, 2022
    Date of Patent: November 12, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Michael Saia, Lin Ni Lisa Cheng, Rocky Guo, Seth Wilton Cottle
  • Patent number: 12130907
    Abstract: 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: Grant
    Filed: April 10, 2023
    Date of Patent: October 29, 2024
    Assignee: Capital One Services, LLC
    Inventors: Max Miracolo, Jacob Learned, Kaylyn S. Gibilterra, Michael Saia
  • Publication number: 20240311456
    Abstract: 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: Application
    Filed: March 16, 2023
    Publication date: September 19, 2024
    Inventors: Jennifer KWOK, Phoebe ATKINS, Viraj CHAUDHARY, Leeyat Bracha TESSLER, Tyler MAIMAN, Ray CHENG, Vyjayanthi VADREVU, Michael SAIA
  • Publication number: 20240311831
    Abstract: 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: Application
    Filed: March 14, 2023
    Publication date: September 19, 2024
    Inventors: Jennifer KWOK, Vyjayanthi VADREVU, Michael SAIA, Viraj CHAUDHARY, Phoebe ATKINS, Tyler MAIMAN, Leeyat Bracha TESSLER, Ray CHENG
  • Patent number: 12079798
    Abstract: 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: Grant
    Filed: February 6, 2023
    Date of Patent: September 3, 2024
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Colin Hart, Michael Saia, Bryant Yee, William Carroll
  • Publication number: 20240202483
    Abstract: 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: Application
    Filed: December 22, 2023
    Publication date: June 20, 2024
    Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
  • Publication number: 20240202487
    Abstract: 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: Application
    Filed: December 22, 2023
    Publication date: June 20, 2024
    Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
  • Publication number: 20240176978
    Abstract: 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: Application
    Filed: February 7, 2024
    Publication date: May 30, 2024
    Inventors: Vyjayanthi Vadrevu, Phoebe Atkins, Michael Saia
  • Publication number: 20240160886
    Abstract: 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: Application
    Filed: November 29, 2023
    Publication date: May 16, 2024
    Inventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
  • Publication number: 20240095821
    Abstract: 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: Application
    Filed: September 15, 2022
    Publication date: March 21, 2024
    Inventors: Michael Saia, Lin Ni Lisa Cheng, Rocky Guo, Seth Wilton Cottle
  • Patent number: 11934900
    Abstract: 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: Grant
    Filed: June 1, 2022
    Date of Patent: March 19, 2024
    Assignee: Capital One Services, LLC
    Inventors: Vyjayanthi Vadrevu, Phoebe Atkins, Michael Saia
  • Patent number: 11907786
    Abstract: 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: Grant
    Filed: June 1, 2022
    Date of Patent: February 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
  • Patent number: 11893443
    Abstract: 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: Grant
    Filed: June 1, 2022
    Date of Patent: February 6, 2024
    Assignee: Capital One Services, LLC
    Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
  • Patent number: 11893573
    Abstract: 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: Grant
    Filed: December 1, 2021
    Date of Patent: February 6, 2024
    Assignee: Capital One Services, LLC
    Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
  • Patent number: 11868833
    Abstract: 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: Grant
    Filed: December 1, 2021
    Date of Patent: January 9, 2024
    Assignee: Capital One Services, LLC
    Inventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
  • Patent number: 11847682
    Abstract: 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: Grant
    Filed: May 18, 2020
    Date of Patent: December 19, 2023
    Assignee: Capital One Services, LLC
    Inventors: Leeyat Bracha Tessler, Kyle Johnson, Rocky Guo, Elisa-Michelle Rodriguez, Angelina Wu, Michael Saia, Lin Ni Lisa Cheng
  • Publication number: 20230351397
    Abstract: 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: Application
    Filed: June 26, 2023
    Publication date: November 2, 2023
    Inventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
  • Patent number: D1032719
    Type: Grant
    Filed: December 9, 2022
    Date of Patent: June 25, 2024
    Assignee: Capital One Services, LLC
    Inventors: Tyler Maiman, Lin Ni Lisa Cheng, Michael Saia
  • Patent number: D1060497
    Type: Grant
    Filed: June 1, 2022
    Date of Patent: February 4, 2025
    Assignee: Capital One Services, LLC
    Inventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia