Patents by Inventor Sarah Calandro
Sarah Calandro 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: 20230419297Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: ApplicationFiled: September 11, 2023Publication date: December 28, 2023Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
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Patent number: 11803835Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: GrantFiled: September 8, 2020Date of Patent: October 31, 2023Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
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Publication number: 20230313898Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: ApplicationFiled: June 7, 2023Publication date: October 5, 2023Applicant: Capital One Services, LLCInventors: Reilly CARPENTER, Joanna CHEN, Sarah CALANDRO
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Patent number: 11715096Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: GrantFiled: June 3, 2021Date of Patent: August 1, 2023Assignee: Capital One Services, LLCInventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
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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: 20210287205Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: ApplicationFiled: June 3, 2021Publication date: September 16, 2021Applicant: Capital One Services, LLCInventors: Reilly CARPENTER, Joanna CHEN, Sarah CALANDRO
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Patent number: 11055699Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: GrantFiled: June 18, 2019Date of Patent: July 6, 2021Assignee: Capital One Services, LLCInventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
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Publication number: 20210056533Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: ApplicationFiled: September 8, 2020Publication date: February 25, 2021Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
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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: 10769616Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: GrantFiled: October 3, 2019Date of Patent: September 8, 2020Assignee: CAPITAL ONE SERVICES, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
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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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Patent number: 10614448Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: GrantFiled: February 15, 2018Date of Patent: April 7, 2020Assignee: Capital One Services, LLCInventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
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Publication number: 20200034817Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: ApplicationFiled: October 3, 2019Publication date: January 30, 2020Applicant: Capital One Services, LLCInventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
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Patent number: 10475022Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: GrantFiled: October 12, 2018Date of Patent: November 12, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Adam Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
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Publication number: 20190303918Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: ApplicationFiled: June 18, 2019Publication date: October 3, 2019Applicant: Capital One Services, LLCInventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
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Patent number: 10332103Abstract: Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service.Type: GrantFiled: August 26, 2015Date of Patent: June 25, 2019Assignee: CAPITAL ONE SERVICES, LLCInventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
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Publication number: 20190073662Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: ApplicationFiled: October 12, 2018Publication date: March 7, 2019Applicant: Capital One Services, LLCInventors: Adam KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
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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: 10191987Abstract: Systems and methods are provided for searching financial data. For example, a device for searching transaction information is disclosed. The device may include interface hardware for receiving and providing information and a memory device for storing instructions. The device may also include one or more hardware processors configured to execute the instructions to receive a user request for information associated with one or more transactions in the form of a search query, transmit the search query to a transaction search engine for identification of one or more concepts from the search query, and receive, from the transaction search engine, responsive transaction data determined based on the one or more concepts identified from the search query. The one or more hardware processors may be further configured to determine a result that satisfies the user request based on the responsive transaction data, and provide the result via the interface hardware.Type: GrantFiled: November 20, 2014Date of Patent: January 29, 2019Assignee: Capital One Services, LLCInventors: Colin Hart, Mohamed Lafeer, Sarah Calandro, Jeremy Rephlo, Scott Totman
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Patent number: 10127545Abstract: Systems and methods are provided for displaying account information. The systems and methods may include a portable smart display device in short-range communication with a mobile device. The smart display device may be configured to provide a user with quick and easy yet secure access to account information, without the need for multi-step login and verification processes. The smart display device may be sized to fit within a wallet and within quick, easy reach of a user. The smart display device may receive up-to-date account information from the mobile device, and display the account information on-demand upon detecting an activation event, thereby providing an enjoyable user experience and a useful tool for quickly informing the user of their financial situation.Type: GrantFiled: May 8, 2018Date of Patent: November 13, 2018Assignee: Capital One Services, LLCInventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer