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).

  • Patent number: 10115166
    Abstract: 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: Grant
    Filed: January 21, 2015
    Date of Patent: October 30, 2018
    Assignee: Capital One Services, LLC
    Inventors: Jeremy Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
  • Publication number: 20180253716
    Abstract: 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: Application
    Filed: May 8, 2018
    Publication date: September 6, 2018
    Applicant: Capital One Services, LLC
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
  • Patent number: 10007905
    Abstract: 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: Grant
    Filed: September 21, 2017
    Date of Patent: June 26, 2018
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
  • Publication number: 20180174134
    Abstract: 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: Application
    Filed: February 15, 2018
    Publication date: June 21, 2018
    Applicant: Capital One Financial Corporation
    Inventors: Reilly Carpenter, Joanna Chen, Sarah Calandro
  • Publication number: 20180012217
    Abstract: 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: Application
    Filed: September 21, 2017
    Publication date: January 11, 2018
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
  • Patent number: 9811821
    Abstract: 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: Grant
    Filed: August 26, 2015
    Date of Patent: November 7, 2017
    Assignee: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Adam R. Koeppel, Alex Leo Niderberg, Kevin Kelly, Mili Mittal, Sarah Calandro, Jonathan R. Turfboer
  • Publication number: 20160063478
    Abstract: 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: Application
    Filed: August 26, 2015
    Publication date: March 3, 2016
    Inventors: Adam R. KOEPPEL, Alex Leo NIDERBERG, Kevin KELLY, Mili MITTAL, Sarah CALANDRO, Jonathan R. TURFBOER
  • Publication number: 20160063484
    Abstract: 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: Application
    Filed: August 26, 2015
    Publication date: March 3, 2016
    Inventors: Reilly CARPENTER, Joanna CHEN, Sarah CALANDRO
  • Publication number: 20150149432
    Abstract: 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: Application
    Filed: November 20, 2014
    Publication date: May 28, 2015
    Applicant: CAPITAL ONE FINANCIAL CORPORATION
    Inventors: Colin Hart, Mohamed Lafeer, Sarah Calandro, Jeremy Rephlo, Scott Totman