Patents by Inventor Vyjayanthi Vadrevu
Vyjayanthi Vadrevu 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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Patent number: 12333367Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. The card frame may include a window in which contact pads of the transaction card are positioned and flush with the surface of the card frame when the transaction card is secured in the receptacle. The card frame and transaction card assembled together may form a uniform assembly that appears and functions as a traditional transaction card (e.g., credit card).Type: GrantFiled: December 22, 2023Date of Patent: June 17, 2025Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Patent number: 12332993Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of synthetic authentication questions by analyzing third party account data. A request for access to a first account associated with a user may be received. The first account may be managed by a first organization. A transactions database might be queried for first account data. Second account data corresponding to a second account associated with the user might be received. That second account may be managed by a second organization different from the first organization. One or more second transactions, unique to the second account, may be identified. A synthetic transaction, configured to be different from transactions in the first account and the one or more second transactions, may be generated. An authentication question may be generated based on the synthetic transaction. Access to the first account might be provided based on a response to the authentication question.Type: GrantFiled: December 19, 2023Date of Patent: June 17, 2025Assignee: Capital One Services, LLCInventors: Joshua Edwards, Vyjayanthi Vadrevu, Tyler Maiman, Viraj Chaudhary, Daniel Miller, David Septimus, Jenny Melendez, Samuel Rapowitz
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Patent number: 12242576Abstract: Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.Type: GrantFiled: March 8, 2024Date of Patent: March 4, 2025Assignee: Capital One Services, LLCInventors: Joshua Edwards, Samuel Rapowitz, Jenny Melendez, David Septimus, Daniel Miller, Viraj Chaudhary, Tyler Maiman, Vyjayanthi Vadrevu
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Publication number: 20250016156Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using e-mail processing. A request for access to an account may be received from a user device. A plurality of organizations may be identified. One or more e-mail associated with the account may be identified. The e-mails may be processed to identify one or more organizations that correspond to transactions conducted by a user. A modified plurality of organizations may be generated by removing, from the plurality of organizations, the one or more organizations. An authentication question may be generated and provided to the user device. A response to the authentication question may be received, and the user device may be provided access based on the response.Type: ApplicationFiled: September 13, 2024Publication date: January 9, 2025Inventors: Viraj Chaudhary, Vyjayanthi Vadrevu, Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Joshua Edwards
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Patent number: 12120114Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using e-mail processing. A request for access to an account may be received from a user device. A plurality of organizations may be identified. One or more e-mail associated with the account may be identified. The e-mails may be processed to identify one or more organizations that correspond to transactions conducted by a user. A modified plurality of organizations may be generated by removing, from the plurality of organizations, the one or more organizations. An authentication question may be generated and provided to the user device. A response to the authentication question may be received, and the user device may be provided access based on the response.Type: GrantFiled: September 7, 2023Date of Patent: October 15, 2024Assignee: Capital One Services, LLCInventors: Viraj Chaudhary, Vyjayanthi Vadrevu, Tyler Maiman, David Septimus, Samuel Rapowitz, Jenny Melendez, Joshua Edwards
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Publication number: 20240330929Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by analyzing user response times to authentication questions. A request for access to an account may be received. Transaction data associated with a user of that account may be retrieved, and a list of merchants may be generated based on the transaction data. A blocklist may be retrieved, and the list of merchants may be filtered based on the blocklist. An authentication question may be presented. The authentication question may relate to the list of merchants. User responses may be received, and response times for the user responses may be measured. Based on the response times and the response times for other users, an average response time for the merchants may be determined. Based on the average response time for a particular merchant exceeding a threshold, the particular merchant may be added to the blocklist.Type: ApplicationFiled: June 11, 2024Publication date: October 3, 2024Inventors: Daniel Miller, Vyjayanthi Vadrevu, Viraj Chaudhary, Samuel Rapowitz, Jenny Melendez, Tyler Maiman, David Septimus, Joshua Edwards
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Publication number: 20240311456Abstract: 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: ApplicationFiled: March 16, 2023Publication date: September 19, 2024Inventors: Jennifer KWOK, Phoebe ATKINS, Viraj CHAUDHARY, Leeyat Bracha TESSLER, Tyler MAIMAN, Ray CHENG, Vyjayanthi VADREVU, Michael SAIA
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Publication number: 20240311831Abstract: 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: ApplicationFiled: March 14, 2023Publication date: September 19, 2024Inventors: Jennifer KWOK, Vyjayanthi VADREVU, Michael SAIA, Viraj CHAUDHARY, Phoebe ATKINS, Tyler MAIMAN, Leeyat Bracha TESSLER, Ray CHENG
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Publication number: 20240303660Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.Type: ApplicationFiled: May 15, 2024Publication date: September 12, 2024Inventors: Daniel Miller, Joshua Edwards, Jenny Melendez, David Septimus, Tyler Maiman, Viraj Chaudhary, Samuel Rapowitz, Vyjayanthi Vadrevu
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Publication number: 20240303728Abstract: An automatic system including a server is provided. The server is configured to: upon receiving a bucket creation request from a user device, create one or more virtual budgeting buckets associated with a user account of a user of the user device; receive a certain amount of fund in at least one of the one or more virtual budgeting buckets; detect engagement data of the user with the one or more virtual budgeting buckets; determine, based on the engagement data, whether the user meets goals of the one or more virtual budgeting buckets; provide a predictive model; input the engagement data and completeness of the goals into the predictive model; determine a creditworthiness of the user based on the predictive model; and provide a credit line to the user based on the creditworthiness.Type: ApplicationFiled: March 8, 2023Publication date: September 12, 2024Inventors: Xiaoguang ZHU, Evans YEUNG, Vyjayanthi VADREVU
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Patent number: 12075310Abstract: Systems and methods of the present disclosure enable IoT-based social networking to detect, using IoT devices at a location, device signals associated with a first user device of a first user. A first user profile associated with the first user device is determined in response to the device signals. User attributes stored in the first user profile are accessed and extracted. A trained profile similarity model is used to determine similarity measures between the first user profile and other user profiles based on the user attributes. At least one similar user profile to the first user profile is identified based on the similarity measures. A meet-up point occupancy of each meet-up point at the location is determined based on a record of meet-up points to identify an open meet-up point. A meet-up recommendation is generated indicating the open meet-up point and the other user profiles.Type: GrantFiled: March 3, 2022Date of Patent: August 27, 2024Assignee: Capital One Services, LLCInventors: Lin Ni Lisa Cheng, Xiaoguang Zhu, Vyjayanthi Vadrevu
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Patent number: 12072959Abstract: Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.Type: GrantFiled: June 23, 2021Date of Patent: August 27, 2024Assignee: Capital One Services, LLCInventors: Joshua Edwards, Samuel Rapowitz, Jenny Melendez, David Septimus, Daniel Miller, Viraj Chaudhary, Tyler Maiman, Vyjayanthi Vadrevu
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Patent number: 12045816Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes by analyzing user response times to authentication questions. A request for access to an account may be received. Transaction data associated with a user of that account may be retrieved, and a list of merchants may be generated based on the transaction data. A blocklist may be retrieved, and the list of merchants may be filtered based on the blocklist. An authentication question may be presented. The authentication question may relate to the list of merchants. User responses may be received, and response times for the user responses may be measured. Based on the response times and the response times for other users, an average response time for the merchants may be determined. Based on the average response time for a particular merchant exceeding a threshold, the particular merchant may be added to the blocklist.Type: GrantFiled: April 20, 2023Date of Patent: July 23, 2024Assignee: Capital One Services, LLCInventors: Daniel Miller, Vyjayanthi Vadrevu, Viraj Chaudhary, Samuel Rapowitz, Jenny Melendez, Tyler Maiman, David Septimus, Joshua Edwards
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Publication number: 20240242275Abstract: Systems, apparatuses, and methods are described for adjustment of card configurations for flight interruptions. Past flight interruptions that users experienced may be determined. Transactions conducted via the users' payment cards during the past flight interruptions may be determined. The data may be used for determining customized metrics for adjusting card configurations of the payment cards during current flight interruptions. Default metrics for adjusting card configurations of the payment cards during current flight interruptions may be determined. Current flight statuses may be monitored for the users. Current flight interruptions may be detected for the users. Card configurations of the payment cards may be adjusted during the detected current flight interruptions.Type: ApplicationFiled: December 20, 2023Publication date: July 18, 2024Inventors: Jennifer Kwok, Daniel Miller, Lisa Guo, Xiaoguang Zhu, Alexander Lin, Vyjayanthi Vadrevu, Cameron Noah
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Publication number: 20240242231Abstract: In some implementations, a device may determine an interaction profile for a provider that is to engage with a user in a communication session. The interaction profile may be based on interaction data relating to interpersonal interactions involving the provider during one or more previous communication sessions. The interaction profile may indicate a bias of the provider in connection with one or more categories of users. The device may generate, based on the interaction profile, a visual representation that depicts at least a face of a person for presentation to the provider during the communication session. One or more characteristics associated with the one or more categories of users may be absent from the face of the person. The device may cause presentation of the visual representation to the provider during the communication session.Type: ApplicationFiled: January 22, 2024Publication date: July 18, 2024Inventors: Vyjayanthi VADREVU, Lin Ni Lisa CHENG, Xiaoguang ZHU
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Publication number: 20240211558Abstract: Aspects described herein may relate to techniques for detecting login activity to a financial account during a knowledge-based authentication process. The login activity may be related to access to an online interface for the financial account. The detection of login activity during the authentication process my indicate that the integrity of the authentication process is compromised as login access may provide an individual with transaction data that may be used to answer transaction-based authentication questions. As a result of detecting login activity, an alternative authentication process may be initiated or an authentication request related to the financial account may be denied.Type: ApplicationFiled: March 8, 2024Publication date: June 27, 2024Inventors: Joshua Edwards, Samuel Rapowitz, Jenny Melendez, David Septimus, Daniel Miller, Viraj Chaudhary, Tyler Maiman, Vyjayanthi Vadrevu
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Patent number: 12020250Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.Type: GrantFiled: July 28, 2021Date of Patent: June 25, 2024Assignee: Capital One Services, LLCInventors: Daniel Miller, Joshua Edwards, Jenny Melendez, David Septimus, Tyler Maiman, Viraj Chaudhary, Samuel Rapowitz, Vyjayanthi Vadrevu
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Publication number: 20240202483Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. The card frame may include a window in which contact pads of the transaction card are positioned and flush with the surface of the card frame when the transaction card is secured in the receptacle. The card frame and transaction card assembled together may form a uniform assembly that appears and functions as a traditional transaction card (e.g., credit card).Type: ApplicationFiled: December 22, 2023Publication date: June 20, 2024Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Publication number: 20240202487Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. In some instances, the combined assembly of the card frame with the transaction card may detect a proximity of a mobile device to the assembly and generate an authentication credential that is unique to the combination of the card frame, the transaction card, and the mobile device. The authentication credential may be used to authentic the transaction card when conducting a data transaction.Type: ApplicationFiled: December 22, 2023Publication date: June 20, 2024Inventors: Phoebe Atkins, Michael Saia, Vyjayanthi Vadrevu
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Patent number: D1060497Type: GrantFiled: June 1, 2022Date of Patent: February 4, 2025Assignee: Capital One Services, LLCInventors: Phoebe Atkins, Vyjayanthi Vadrevu, Michael Saia