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: 11682092Abstract: A platform receives transaction information for an entity, where the transaction information identifies a plurality of transactions associated with the entity, and receives entity information associated with the entity. The platform identifies, using a first model, a selected set of transactions based on the transaction information and the entity information, where the first model outputs information identifying the selected set of transactions based on the selected set of transactions being associated with an event, a theme, or a transaction parameter. The platform determines, using a second model, potential modifications to a document based on the selected set of transactions, where the second model receives the information identifying the selected set of transactions or information identifying the event, the theme, or the transaction parameter, and where the second model outputs information identifying the potential modifications.Type: GrantFiled: April 8, 2021Date of Patent: June 20, 2023Assignee: Capital One Services, LLCInventors: Alexandra Colevas, Sophie Bermudez, Kaylyn Gibilterra, Sarah J. Cunningham, Salik Shah, Michael Saia
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Publication number: 20230169297Abstract: 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: June 1, 2022Publication date: June 1, 2023Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Publication number: 20230169299Abstract: 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: June 1, 2022Publication date: June 1, 2023Inventors: Vyjayanthi Vadrevu, Phoebe Atkins, Michael Saia
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Publication number: 20230169302Abstract: 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: June 1, 2022Publication date: June 1, 2023Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Publication number: 20230169293Abstract: 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: December 1, 2021Publication date: June 1, 2023Inventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia
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Publication number: 20230169491Abstract: 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: December 1, 2021Publication date: June 1, 2023Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Patent number: 11625477Abstract: 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: August 13, 2020Date of Patent: April 11, 2023Assignee: Capital One Services, LLCInventors: Max Miracolo, Jacob Learned, Kaylyn S. Gibilterra, Michael Saia
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Patent number: 11610195Abstract: 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: June 26, 2020Date of Patent: March 21, 2023Assignee: CAPITAL ONE SERVICES, LLCInventors: Colin Hart, Michael Saia, Bryant Yee, William Carroll
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Publication number: 20220335410Abstract: Aspects described herein may allow for a payment card having a first surface and an opposed second surface. A plurality of surface irregularities is formed on the first surface, with the plurality of surface irregularities defining alphanumeric characters. A phosphorescent coating is formed on at least a portion of the surface irregularities.Type: ApplicationFiled: April 19, 2021Publication date: October 20, 2022Inventors: Tyler Maiman, Michael Saia, Phoebe Atkins
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Publication number: 20220245640Abstract: Disclosed are systems and methods for data breach identification. The method may include: generating virtual card number (VCN) data sets; storing the VCN data sets on a first database; receiving one or more compromised VCN data sets stored on a second database and obtained from a scan of unindexed websites; comparing the compromised VCN data sets with the VCN data set stored on the first database to determine whether the VCN data sets have been compromised; for each compromised VCN data set, training the recurrent neural network (RNN) to associate the compromised VCN data sets with one or more sequential patterns found within the compromised VCN data sets to generate a trained RNN; receiving a first VCN data set from the first database; determining whether the first VCN data set matches a compromised VCN data set; and transmitting a message indicating the determination to a user or provider device.Type: ApplicationFiled: January 29, 2021Publication date: August 4, 2022Applicant: Capital One Services, LLCInventors: Jacob LEARNED, Michael SAIA, Max MIRACOLO, Kaylyn GIBILTERRA
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Publication number: 20220222332Abstract: Systems and methods for identifying and remedying password insecurities are disclosed. The systems and methods include crawling websites to identify popular cultural terms and saving the cultural terms in a backend system. The cultural terms can include names of celebrities, politicians, movies, and the like. An identification system receives a password and compares the received password to the cultural terms using a similarity score. If the number of similarities is above a predetermined threshold, or if the number of differences is below a predetermined threshold, the identification system denies the password. A recommendation system can generate a suggested password, which can also be compared to the cultural terms. The systems and methods also provide the ability to calculate a similarity score if the cultural terms or passwords are saved in an encrypted or hashed format.Type: ApplicationFiled: January 8, 2021Publication date: July 14, 2022Inventors: Jacob Learned, Michael Saia, Max Miracolo, Kaylyn S. Gibilterra
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Patent number: 11375245Abstract: In certain embodiments, streaming of a live video to trigger-associated recipients in response to triggers in an environment may be facilitated. In some embodiments, one or more triggers may be detected in an environment, and one or more actions associated with the detected triggers may be performed. As an example, where such associated actions include streaming a live video of the environment to one or more recipients, the recipients may be selected as candidates to receive the live video stream based on the recipients being part of a recipient list associated with a detected trigger. In some embodiments, although a first recipient of the recipient list may initially be selected to receive the live video stream, the live video may be streamed to a second recipient of the recipient list based on the first recipient being unavailable to receive the live video stream.Type: GrantFiled: April 21, 2021Date of Patent: June 28, 2022Assignee: Capital One Services, LLCInventors: Joshua Edwards, Michael Saia, Tyler Maiman
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Publication number: 20220050894Abstract: 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: ApplicationFiled: August 13, 2020Publication date: February 17, 2022Applicant: Capital One Services, LLCInventors: Max MIRACOLO, Jacob LEARNED, Kaylyn S. GIBILTERRA, Michael SAIA
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Publication number: 20210398131Abstract: 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: August 31, 2021Publication date: December 23, 2021Inventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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Publication number: 20210358008Abstract: 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: ApplicationFiled: May 18, 2020Publication date: November 18, 2021Inventors: Leeyat Bracha TESSLER, Kyle JOHNSON, Rocky GUO, Elisa-Michelle RODRIGUEZ, Angelina WU, Michael SAIA, Lin Ni Lisa CHENG
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Patent number: 11113693Abstract: 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: GrantFiled: April 28, 2020Date of Patent: September 7, 2021Assignee: CAPITAL ONE SERVICES, LLCInventors: Sophie Bermudez, Alexandra Colevas, Sarah Cunningham, Michael Saia, Kaylyn Gibilterra, Salik Shah
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Publication number: 20210256509Abstract: Various embodiments may be generally directed to techniques for planning currency exchange transactions based on customer-provided budgeting information associated with international travel. In some embodiments, an apparatus may comprise a network interface and processing circuitry coupled to the network interface, and the processing circuitry may be operative to forecast future requirements for one or more currencies based on travel budgeting information associated with scheduled international travel. In an example embodiment, the processing circuitry may receive travel budgeting information indicating one or more budgeted amounts of a first currency, determine a marginal currency requirement projection for a second currency based on the one or more budgeted amounts of the first currency, and update a currency requirement forecast for the second currency based on the marginal currency requirement projection. The embodiments are not limited in this context.Type: ApplicationFiled: February 14, 2020Publication date: August 19, 2021Applicant: Capital One Services, LLCInventors: Latika GULATI, David YUN, Alexandra COLEVAS, Abdelkader M'Hamed BENKREIRA, Michael SAIA
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Publication number: 20210243480Abstract: In certain embodiments, streaming of a live video to trigger-associated recipients in response to triggers in an environment may be facilitated. In some embodiments, one or more triggers may be detected in an environment, and one or more actions associated with the detected triggers may be performed. As an example, where such associated actions include streaming a live video of the environment to one or more recipients, the recipients may be selected as candidates to receive the live video stream based on the recipients being part of a recipient list associated with a detected trigger. In some embodiments, although a first recipient of the recipient list may initially be selected to receive the live video stream, the live video may be streamed to a second recipient of the recipient list based on the first recipient being unavailable to receive the live video stream.Type: ApplicationFiled: April 21, 2021Publication date: August 5, 2021Applicant: Capital One Services, LLCInventors: Joshua EDWARDS, Michael SAIA, Tyler MAIMAN
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Publication number: 20210224939Abstract: A platform receives transaction information for an entity, where the transaction information identifies a plurality of transactions associated with the entity, and receives entity information associated with the entity. The platform identifies, using a first model, a selected set of transactions based on the transaction information and the entity information, where the first model outputs information identifying the selected set of transactions based on the selected set of transactions being associated with an event, a theme, or a transaction parameter. The platform determines, using a second model, potential modifications to a document based on the selected set of transactions, where the second model receives the information identifying the selected set of transactions or information identifying the event, the theme, or the transaction parameter, and where the second model outputs information identifying the potential modifications.Type: ApplicationFiled: April 8, 2021Publication date: July 22, 2021Inventors: Alexandra COLEVAS, Sophie BERMUDEZ, Kaylyn GIBILTERRA, Sarah J. CUNNINGHAM, Salik SHAH, Michael SAIA
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Patent number: D974464Type: GrantFiled: September 18, 2020Date of Patent: January 3, 2023Assignee: Capital One Services, LLCInventors: Tyler Maiman, Lin Ni Lisa Cheng, Michael Saia