Patents by Inventor Robert D. Rowley
Robert D. Rowley 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: 20230289809Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.Type: ApplicationFiled: May 18, 2023Publication date: September 14, 2023Applicant: Capital One Services, LLCInventors: Lawrence DOUGLAS, Robert D. ROWLEY, Philip KIM
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Patent number: 11715107Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.Type: GrantFiled: May 21, 2021Date of Patent: August 1, 2023Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Robert D. Rowley, Philip Kim
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Patent number: 11328366Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.Type: GrantFiled: June 8, 2020Date of Patent: May 10, 2022Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Publication number: 20210326884Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.Type: ApplicationFiled: May 21, 2021Publication date: October 21, 2021Applicant: Capital One Services, LLCInventors: Lawerence Douglas, Robert D. Rowley, Philip Kim
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Patent number: 11042881Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.Type: GrantFiled: January 25, 2018Date of Patent: June 22, 2021Assignee: Capital One Services, LLCInventors: Lawrence Douglas, Robert D. Rowley, Philip Kim
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Publication number: 20200302552Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.Type: ApplicationFiled: June 8, 2020Publication date: September 24, 2020Inventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Patent number: 10713733Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.Type: GrantFiled: October 29, 2018Date of Patent: July 14, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Jeremy D. Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Publication number: 20190066229Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.Type: ApplicationFiled: October 29, 2018Publication date: February 28, 2019Inventors: Jeremy D. Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Patent number: 10115166Abstract: A system and a method for account transaction balance prediction for an account held with a financial institution based on past and present account activity. An account balance prediction processor determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data. The system calculates a predicted account balance based on the total predicted financial transactions and the predicted income. A transaction monitor receives actual financial transaction data and actual income data, and compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data. An alert transmitter transmits in real time, an alert. A machine learning processor continuously adjusts calculations of financial transactions and income.Type: GrantFiled: January 21, 2015Date of Patent: October 30, 2018Assignee: Capital One Services, LLCInventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
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Publication number: 20180165683Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.Type: ApplicationFiled: January 25, 2018Publication date: June 14, 2018Applicant: Capital One Financial CorporationInventors: Lawrence DOUGLAS, Robert D. ROWLEY, Philip KIM
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Publication number: 20150206252Abstract: A system and method include a financial data storage that stores internal account data, external account data, and transaction data, a communications interface that receives, via a network, external account data from an external data source and transaction data from a merchant, a database manager that cooperates with the communications interface to store the received external account data in the financial data storage and the received transaction data from the merchant, an account balance prediction processor that determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data, determines recurring income data based on at least one of: the internal account data and the external account data, determines a predicted financial transaction using a predictive model based on the at least one recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive mType: ApplicationFiled: January 21, 2015Publication date: July 23, 2015Inventors: Jeremy REPHLO, Daniel L. STRUBLE, Mohamed LAFEER, Robert D. ROWLEY, Nondini A. NAQUI
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Publication number: 20150193768Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value.Type: ApplicationFiled: January 8, 2015Publication date: July 9, 2015Applicant: Capital One Financial CorporationInventors: Lawrence Douglas, Robert D. Rowley, Philip Kim, Joseph Whitchurch
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Publication number: 20150193775Abstract: Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert.Type: ApplicationFiled: January 8, 2015Publication date: July 9, 2015Applicant: Capital One Financial CorporationInventors: Lawrence Douglas, Robert D. Rowley, Philip Kim