Patents by Inventor Philip SPIEGEL
Philip SPIEGEL 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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Publication number: 20250254166Abstract: Disclosed embodiments may include a system for determining trusted devices. The system may receive data corresponding to a plurality of users. The system may receive, via a plurality of user devices associated with the plurality of users, a respective request to conduct a plurality of transactions. The system may generate, via an MLM and based on the data, trust scores associated with the plurality of users and the plurality of user devices, wherein each trust score indicates a probability that a user device, of the plurality of user devices, is associated with a user of the plurality of users. The system may determine whether each trust score of a plurality of trust scores exceeds a predetermined threshold. Responsive to determining a trust score of the plurality of trust scores exceeds the predetermined threshold, the system may conduct fraud prevention action(s) with respect to a corresponding user device and user.Type: ApplicationFiled: April 25, 2025Publication date: August 7, 2025Inventors: Amirfarrokh IRANITALAB, Salman Haq, Sriharsha Kallu, Vitalie Manzul, Philip Spiegel
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Patent number: 12323424Abstract: Disclosed embodiments may include a system for determining trusted devices. The system may receive data corresponding to a plurality of users. The system may receive, via a plurality of user devices associated with the plurality of users, a respective request to conduct a plurality of transactions. The system may generate, via an MLM and based on the data, trust scores associated with the plurality of users and the plurality of user devices, wherein each trust score indicates a probability that a user device, of the plurality of user devices, is associated with a user of the plurality of users. The system may determine whether each trust score of a plurality of trust scores exceeds a predetermined threshold. Responsive to determining a trust score of the plurality of trust scores exceeds the predetermined threshold, the system may conduct fraud prevention action(s) with respect to a corresponding user device and user.Type: GrantFiled: September 15, 2022Date of Patent: June 3, 2025Assignee: CAPITAL ONE SERVICES, LLCInventors: Amirfarrokh Iranitalab, Salman Haq, Sriharsha Kallu, Vitalie Manzul, Philip Spiegel
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Patent number: 12189690Abstract: A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.Type: GrantFiled: May 25, 2023Date of Patent: January 7, 2025Assignee: Capital One Services, LLCInventors: Pavel Fort, Ashish Bansal, Chang W. Kim, John E. Schlerf, Philip Spiegel
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Patent number: 12033148Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.Type: GrantFiled: March 23, 2023Date of Patent: July 9, 2024Assignee: Capital One Services, LLCInventors: Philip Spiegel, Noble Ozoka, Varun Gupta, Michael Snyder, Matthew Reedy, Allison Fenichel
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Publication number: 20240098086Abstract: Disclosed embodiments may include a system for determining trusted devices. The system may receive data corresponding to a plurality of users. The system may receive, via a plurality of user devices associated with the plurality of users, a respective request to conduct a plurality of transactions. The system may generate, via an MLM and based on the data, trust scores associated with the plurality of users and the plurality of user devices, wherein each trust score indicates a probability that a user device, of the plurality of user devices, is associated with a user of the plurality of users. The system may determine whether each trust score of a plurality of trust scores exceeds a predetermined threshold. Responsive to determining a trust score of the plurality of trust scores exceeds the predetermined threshold, the system may conduct fraud prevention action(s) with respect to a corresponding user device and user.Type: ApplicationFiled: September 15, 2022Publication date: March 21, 2024Inventors: Amirfarrokh IRANITALAB, Salman Haq, Sriharsha Kallu, Vitalie Manzul, Philip Spiegel
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Publication number: 20230297621Abstract: A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.Type: ApplicationFiled: May 25, 2023Publication date: September 21, 2023Inventors: Pavel FORT, Ashish BANSAL, Chang W. KIM, John E. SCHLERF, Philip SPIEGEL
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Publication number: 20230230082Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.Type: ApplicationFiled: March 23, 2023Publication date: July 20, 2023Applicant: Capital One Services, LLCInventors: Philip SPIEGEL, Noble OZOKA, Varun GUPTA, Michael SNYDER, Matthew REEDY, Allison FENICHEL
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Patent number: 11675845Abstract: A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.Type: GrantFiled: May 28, 2019Date of Patent: June 13, 2023Assignee: Capital One Services, LLCInventors: Pavel Fort, Ashish Bansal, Chang W. Kim, John E. Schlerf, Philip Spiegel
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Patent number: 11640606Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.Type: GrantFiled: October 31, 2019Date of Patent: May 2, 2023Assignee: Capital One Services, LLCInventors: Philip Spiegel, Noble Ozoka, Varun Gupta, Michael Snyder, Matthew Reedy, Allison Fenichel
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Publication number: 20210133741Abstract: The disclosed embodiments provide systems and methods for providing real-time warnings to merchants for data breaches. For example, the system may include one or more memory devices storing instructions and one or more processors configured to perform operations consistent with this disclosure. The operations may include collecting and storing transaction authorization requests from one or more merchants. The transaction authorization requests may include a virtual account number associated with an account, the virtual account number being previously bound to a merchant and reusable only for the bound merchant. The operations may further include detecting an event at the bound merchant based on, for example, a transaction authorization request having a mismatch between a transacting merchant and the bound merchant. The operations my further include communicating notification of the event through a communication interface with the bound merchant.Type: ApplicationFiled: October 31, 2019Publication date: May 6, 2021Applicant: CAPITAL ONE SERVICES, LLCInventors: Philip SPIEGEL, Noble OZOKA, Varun GUPTA, Michael SNYDER, Matthew REEDY, Allison FENICHEL
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Publication number: 20190278811Abstract: A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.Type: ApplicationFiled: May 28, 2019Publication date: September 12, 2019Inventors: Pavel FORT, Ashish BANSAL, Chang W. Kim, John E. SCHLERF, Philip SPIEGEL
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Patent number: 10353956Abstract: A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.Type: GrantFiled: October 27, 2017Date of Patent: July 16, 2019Assignee: Capital One Services, LLCInventors: Pavel Fort, Ashish Bansal, Chang W. Kim, John E. Schlerf, Philip Spiegel
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Publication number: 20190121918Abstract: A device may receive a merchant query including first merchant data associated with a first merchant. The first merchant data may be provided, as input, to a merchant matching model associated with a merchant data structure, the merchant matching model having been trained to determine a measure of confidence that input merchant data corresponds to an existing merchant in the merchant data structure. The device may receive, as output from the merchant matching model, a measure of confidence that the first merchant data corresponds to a second merchant, the second merchant being associated with second merchant data stored in the merchant data structure. The device may also determine, based on the measure of confidence, that the first merchant corresponds to the second merchant. Based on the determination, the device may obtain the second merchant data from the merchant data structure and perform an action based on the second merchant data.Type: ApplicationFiled: October 27, 2017Publication date: April 25, 2019Inventors: Pavel FORT, Ashish BANSAL, Chang W. KIM, John E. SCHLERF, Philip SPIEGEL