Patents by Inventor Viraj CHAUDHARY

Viraj CHAUDHARY 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: 20240311831
    Abstract: Systems and methods for preventing fraud using behavioral biometrics may include a server with memory and a processor. The processor may be configured to create a behavioral biometric use-print for a user based on a plurality of observed and recorded user interactions and then monitor one or more behavioral biometrics of the user while the user accesses a user account. These monitored behavioral biometrics may be compared against the behavioral biometric use-print to determine if there are material deviations indicating that the user is under stress. When the server determines that the user is under stress, it may provide an intervention to help safeguard against potential in-process fraud.
    Type: Application
    Filed: March 14, 2023
    Publication date: September 19, 2024
    Inventors: Jennifer KWOK, Vyjayanthi VADREVU, Michael SAIA, Viraj CHAUDHARY, Phoebe ATKINS, Tyler MAIMAN, Leeyat Bracha TESSLER, Ray CHENG
  • Publication number: 20240311456
    Abstract: The present embodiments disclose systems and methods for authenticating a user with behavioral biometrics associated with a card. The card includes an accelerometer configured to measure the orientation of the card body. The system includes the card and a software application. The software application generates a user profile based on observed card biometrics, then determines whether a recent transaction significantly deviates from the profile.
    Type: Application
    Filed: March 16, 2023
    Publication date: September 19, 2024
    Inventors: Jennifer KWOK, Phoebe ATKINS, Viraj CHAUDHARY, Leeyat Bracha TESSLER, Tyler MAIMAN, Ray CHENG, Vyjayanthi VADREVU, Michael SAIA
  • Publication number: 20240144326
    Abstract: Methods and systems for estimating a vehicle status using interaction data are disclosed. An exemplary method can include obtaining, via at least one processor, information associated with a vehicle; obtaining, via the at least one processor, a set of interaction data of an individual associated with the vehicle; and accessing, via the at least one processor and on a memory, a framework indicative of an association between interaction data and vehicles status. An exemplary method may further include generating, via the at least one processor and by applying the framework to the set of interaction data and the information associated with the vehicle, an estimate of the vehicle status; generating, via the at least one processor and based on the estimate of the vehicle status, at least one evaluation for the vehicle; and outputting the at least one evaluation.
    Type: Application
    Filed: October 31, 2022
    Publication date: May 2, 2024
    Applicant: Capital One Services, LLC
    Inventors: Viraj CHAUDHARY, Abhay DONTHI, Cruz VARGAS
  • Publication number: 20230267515
    Abstract: Various embodiments are directed to a system or platform with machine learning capabilities configured to accurately predict in real-time a depreciation factor of a vehicle associated with a customer and further accurately predict a present value of the vehicle based at least in part on card transaction data associated with the customer. Based on one or more factors, such as a determination that the present value of the vehicle falls below a predefined threshold value, one or more auto financing products may be generated and provided to the customer by the system.
    Type: Application
    Filed: December 15, 2022
    Publication date: August 24, 2023
    Applicant: Capital One Services, LLC
    Inventors: Viraj CHAUDHARY, Cruz VARGAS, Jennifer KWOK
  • Publication number: 20230196052
    Abstract: Provided are compact transaction cards. In some approaches, a body of the card includes first and second sections rotatably coupled together, wherein the first and second sections define a first main side opposite a second main side, an insertion end perimeter opposite a second end perimeter, and a first side perimeter opposite a second side perimeter. The body may include a chip along the first main side, the chip being located on the first section of the body. A magnetic stripe may be provided along the second main side of the body, wherein the magnetic stripe is located on the second section, wherein the magnetic stripe extends parallel to the insertion end perimeter when the first and second sections are in a first configuration, and wherein the magnetic stripe extends perpendicular to the insertion end perimeter when the first and second sections are in a second configuration.
    Type: Application
    Filed: February 16, 2023
    Publication date: June 22, 2023
    Applicant: Capital One Services, LLC
    Inventors: Bryant YEE, Tyler MAIMAN, Viraj CHAUDHARY
  • Publication number: 20230153635
    Abstract: Systems and methods for secure prediction can include a memory and a processor that is configured to retrieve location information associated with a user account and calculate an average spend over one or more route options for a first period of time based on the location information. The processor can be configured to apply a predictive model to the average spend to determine a predicted utilization amount, identify one or more users that have a user utilization amount exceeding the predicted utilization amount, transmit one or more notifications to adjust the user utilization amount from a first value to a second value for a second period of time, and receive one or more responses that are responsive to the one or more notifications. The processor can be configured to adjust the user utilization amount to the second value and revert the user utilization amount back to the first value.
    Type: Application
    Filed: November 17, 2021
    Publication date: May 18, 2023
    Inventors: Viraj CHAUDHARY, Isaac YI, Lin Ni Lisa CHENG, Daniel John MARSCH, Allison FENICHEL, Jacob BALGOYEN
  • Publication number: 20230066748
    Abstract: Provided are compact transaction cards. In some approaches, a body of the card includes first and second sections rotatably coupled together, wherein the first and second sections define a first main side opposite a second main side, an insertion end perimeter opposite a second end perimeter, and a first side perimeter opposite a second side perimeter. The body may include a chip along the first main side, the chip being located on the first section of the body. A magnetic stripe may be provided along the second main side of the body, wherein the magnetic stripe is located on the second section, wherein the magnetic stripe extends parallel to the insertion end perimeter when the first and second sections are in a first configuration, and wherein the magnetic stripe extends perpendicular to the insertion end perimeter when the first and second sections are in a second configuration.
    Type: Application
    Filed: August 31, 2021
    Publication date: March 2, 2023
    Applicant: Capital One Services, LLC
    Inventors: Bryant YEE, Tyler MAIMAN, Viraj CHAUDHARY
  • Publication number: 20230065163
    Abstract: Embodiments discussed herein are generally directed to systems, devices, methods, and techniques to perform authentication and payment operations with a contactless card to provide items and services.
    Type: Application
    Filed: August 18, 2021
    Publication date: March 2, 2023
    Applicant: Capital One Services, LLC
    Inventors: Cruz VARGAS, Bryant YEE, Joshua PETERS, Viraj CHAUDHARY
  • Publication number: 20230065729
    Abstract: Provided are compact transaction cards. In some approaches, a transaction card may include a body having first and second main sides, a first and second end perimeter perimeters, and first and second side perimeters, wherein a first axis extending between the first and second side perimeters defines a first section of the body and a second section of the body. The card may further include an identification chip along the first main side and a magnetic stripe along the second main side, wherein the magnetic stripe extends between the first and second side perimeters, and wherein the magnetic stripe and the identification chip are located on the first section of the body. The card may further include a textured grip along at least one of the first main side and the second main side, wherein the textured grip is positioned only on the second section of the body.
    Type: Application
    Filed: August 31, 2021
    Publication date: March 2, 2023
    Applicant: Capital One Services, LLC
    Inventors: Bryant YEE, Tyler MAIMAN, Viraj CHAUDHARY
  • Publication number: 20210312511
    Abstract: Various embodiments are directed to a system or platform with machine learning capabilities configured to accurately predict in real-time a depreciation factor of a vehicle associated with a customer and further accurately predict a present value of the vehicle based at least in part on card transaction data associated with the customer. Based on one or more factors, such as a determination that the present value of the vehicle falls below a predefined threshold value, one or more auto financing products may be generated and provided to the customer by the system.
    Type: Application
    Filed: April 7, 2020
    Publication date: October 7, 2021
    Applicant: Capital One Services, LLC
    Inventors: Viraj CHAUDHARY, Cruz VARGAS, Jennifer KWOK