Patents by Inventor Nikhil Murgai

Nikhil Murgai 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: 20230334034
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Application
    Filed: June 15, 2023
    Publication date: October 19, 2023
    Applicant: Capital One Services, LLC
    Inventor: Nikhil MURGAI
  • Patent number: 11714793
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Grant
    Filed: November 30, 2020
    Date of Patent: August 1, 2023
    Assignee: Capital One Services, LLC
    Inventor: Nikhil Murgai
  • Patent number: 11625722
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: May 3, 2021
    Date of Patent: April 11, 2023
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Publication number: 20220084073
    Abstract: Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer, The disclosed embodiments may also receive content associated with the first offer for display on the client.
    Type: Application
    Filed: November 29, 2021
    Publication date: March 17, 2022
    Applicant: Capital One Services, LLC
    Inventor: Nikhil MURGAI
  • Patent number: 11216848
    Abstract: Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client.
    Type: Grant
    Filed: August 5, 2019
    Date of Patent: January 4, 2022
    Assignee: Capital One Services, LLC
    Inventor: Nikhil Murgai
  • Publication number: 20210256532
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Application
    Filed: May 3, 2021
    Publication date: August 19, 2021
    Applicant: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Patent number: 11004077
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: May 24, 2019
    Date of Patent: May 11, 2021
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Publication number: 20210081385
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Application
    Filed: November 30, 2020
    Publication date: March 18, 2021
    Applicant: Capital One Services, LLC
    Inventor: Nikhil Murgai
  • Publication number: 20210073908
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: November 19, 2020
    Publication date: March 11, 2021
    Applicant: Capital One Services, LLC
    Inventors: Krishnan Swamy, Nikhil Murgai
  • Patent number: 10872068
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Grant
    Filed: July 19, 2019
    Date of Patent: December 22, 2020
    Assignee: Capital One Services, LLC
    Inventor: Nikhil Murgai
  • Patent number: 10872376
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Grant
    Filed: November 19, 2018
    Date of Patent: December 22, 2020
    Assignee: Capital One Services, LLC
    Inventors: Krishnan Swamy, Nikhil Murgai
  • Patent number: 10572876
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: December 18, 2013
    Date of Patent: February 25, 2020
    Assignee: Capital One Services, LLC
    Inventors: Nikhil Murgai, Leonard D Roseman
  • Publication number: 20190355023
    Abstract: Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client.
    Type: Application
    Filed: August 5, 2019
    Publication date: November 21, 2019
    Inventor: Nikhil MURGAI
  • Publication number: 20190340161
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Application
    Filed: July 19, 2019
    Publication date: November 7, 2019
    Applicant: Capital One Services, LLC
    Inventor: Nikhil Murgai
  • Publication number: 20190279220
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Application
    Filed: May 24, 2019
    Publication date: September 12, 2019
    Applicant: Capital One Services, LLC
    Inventors: Nikhil MURGAI, Leonard ROSEMAN
  • Patent number: 10409797
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Grant
    Filed: January 25, 2018
    Date of Patent: September 10, 2019
    Assignee: Capital One Services, LLC
    Inventor: Nikhil Murgai
  • Patent number: 10409796
    Abstract: A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results.
    Type: Grant
    Filed: August 31, 2016
    Date of Patent: September 10, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Nikhil Murgai
  • Patent number: 10402866
    Abstract: Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client.
    Type: Grant
    Filed: June 15, 2018
    Date of Patent: September 3, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventor: Nikhil Murgai
  • Patent number: 10346842
    Abstract: Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account. The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction.
    Type: Grant
    Filed: December 21, 2017
    Date of Patent: July 9, 2019
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Nikhil Murgai, Leonard Roseman
  • Publication number: 20190087895
    Abstract: Systems and methods are disclosed for determine creditworthiness based on the stability of the customer's occupation. Occupational risk scores may be used to group stable or unstable occupations and may be used in conjunction with other indicators of creditworthiness. Risk band scores may also be used to determine creditworthiness. Other aspects of the disclosed embodiments are described herein.
    Type: Application
    Filed: November 19, 2018
    Publication date: March 21, 2019
    Applicant: Capital One Financial Corporation
    Inventors: Krishnan SWAMY, Nikhil Murgai