Capital One Services, LLC patent applications on February 8th, 2024
Patent Applications by Capital One Services, LLC on February 8th, 2024
Capital One Services, LLC: 41 patent applications
Capital One Services, LLC has applied for patents in the areas of G06N20/00 (12), G06F40/30 (10), G06Q20/40 (9), G06Q40/02 (7), G06Q20/32 (7)
With keywords such as: user, data, device, transaction, based, include, computing, systems, request, and code in patent application abstracts.
Patent Applications by Capital One Services, LLC
Inventor(s): Rohit JOSHI of Plano TX (US) for capital one services, llc, Ashish GUPTA of Richmond VA (US) for capital one services, llc, Hao CHENG of Oakton VA (US) for capital one services, llc
IPC Code(s): G06F3/06
Abstract: disclosed are systems and methods for adaptive partitioning of memory and storage resources of a first cluster node of a cluster system, comprising a plurality of nodes; wherein the first node includes one or more shards; and a client device in data communication with the plurality of nodes, wherein the first node is configured to: receive a client request, identify one of the one or more shards based on the client request, retrieve shard rules of the identified shard, determine an allocation of one or more memory slots of the identified shard based on the client request, lock the one or more memory slots, and perform one or more operations on the one or more memory slots associated with the client request based on the allocation.
Inventor(s): Stalin D'Souza of Brooklyn NY (US) for capital one services, llc, Charles Wang of New York NY (US) for capital one services, llc, Stephen Mendez of Dix Hills NY (US) for capital one services, llc
IPC Code(s): G06F8/71, G06F8/656
Abstract: systems and methods are disclosed for providing a ci/cd pipeline that decouples delivery of product configuration changes from code and similar changes, otherwise bundled/handled together with such configuration changes, for delivery to a running application in production. an exemplary method may include configuring components of ci/cd application in production to subscribe to application updates during runtime; processing an update to the application; processing/handling the update to process only configuration changes for propagation to subscribed components; validating the configuration changes; and instructing a workflow engine to: determine whether the configuration changes are needed for each component, update the components in runtime memory, if so, and provide the validated changes as an update in a next processing cycle to deploy such changes during the runtime.
Inventor(s): Gaurav SINGH of Glen Allen VA (US) for capital one services, llc, Odean George MAYE of Midlothian VA (US) for capital one services, llc, Pankaj SINGH of Glen Allen VA (US) for capital one services, llc, Rangarajan LAKSHMINARAYANACHAR of Glen Allen VA (US) for capital one services, llc, Sheel KHANNA of Glen Allen VA (US) for capital one services, llc
IPC Code(s): G06F9/54
Abstract: a three-tiered content notification system that trifurcates the content notification system into a message consumption component, a message filtering component, and a message delivery component. the message queue comprises content published to an event application programming interface (“api”) for the content notification system. by generating this queue of available content, the message filtering component may apply a batch filter on the available content as opposed to conventional per item filtering. during batch filtering, filtering criteria may be applied to all content currently in the queue. the system may rank this content such that only the highest priority and/or relevance ranking may remain in the batch. content that is not filtered out by the system may then be sent to the message delivery component. at the message delivery component, the system may select delivery channels for the remaining content.
Inventor(s): Timothy HAGGERTY of Henrico VA (US) for capital one services, llc, Steven LONG of Henrico VA (US) for capital one services, llc, Deepa RAO of Plano TX (US) for capital one services, llc, Eric HENRY of Fairfax VA (US) for capital one services, llc, Yuting ZHOU of Reston VA (US) for capital one services, llc
IPC Code(s): G06F16/178, H04L9/40, H04L67/1095, H04L67/1097, G06F21/62, G06F21/60, H04L67/06
Abstract: disclosed are systems, apparatuses and techniques for replicating data between different cloud computing platforms. examples include storage replicator components operable in different cloud computing platforms. the first storage replicator component may identify the second cloud computing platform as a location to copy a data file in response to an event related to the data file stored in a first cloud computing platform. the first storage replicator component may request a copy of the data file via an application programming interface of the first cloud computing platform. the attributes of the copy of the data file which involve modification to conform to data management conventions of the second cloud computing platform may be determined and modified to comply with conventions of the second cloud computing platform. the modified copy of the data file may be forwarded to the second cloud computing platform for storage.
Inventor(s): Saurabh GUPTE of San Mateo CA (US) for capital one services, llc
IPC Code(s): G06F16/27, G06Q10/0637, G06F9/54, G06F8/30, G06F16/2457
Abstract: a device may receive information for an attribute to include in a shared attribute library. the information may include an attribute identifier, data variables needed to compute a value of the attribute, and source code for computing the value of the attribute. the source code may be written in a first programming language. the device may receive a first request to compute the value of the attribute based on a first set of data variables from a first type of data application and a second request to compute the value of the attribute based on a second set of data variables from a second type of data application that is different than the first type of data application. the device may select a computing server, which may execute the first programming language, to compute the value of the attribute based on the first and second sets of data variables.
Inventor(s): Abdelkader BENKREIRA of New York NY (US) for capital one services, llc, Tyler MAIMAN of Melville NY (US) for capital one services, llc, Brendan WAY of Brooklyn NY (US) for capital one services, llc
IPC Code(s): G06F16/9535, G06F16/951, G06F16/9537, G06F9/451, G06Q50/14, G06F16/9538
Abstract: a computer-implemented method may include receiving, from a module or an application installed on a user device of an individual, data related to first input to a first user interface for an activity associated with a location. the method may further include gathering additional data based on receiving the data related to the first input. the additional data may include one or more prior activities of the individual and one or more activities of interest to the individual. the method may include inputting the received data and the gathered additional data to one or more trained machine learning models. the method may include generating, based on the first output from the one or more trained machine learning models, second output related to the activity. the method may include sending a first instruction associated with causing a second user interface to be displayed on a display of the user device.
Inventor(s): Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc, Brendan WAY of Brooklyn NY (US) for capital one services, llc, Xiaoguang ZHU of New York NY (US) for capital one services, llc
IPC Code(s): G06F16/9535, G06F40/205, G06F40/30
Abstract: systems and methods for active web-based content filtering may include a memory storing user restrictions and dislikes, an interface, and a processor communicatively coupled to a backend server. the processor may implement a web browser add-on that parses content from an incoming webpage and compares that content against the user restrictions and dislikes to determine undesired incoming webpage content, and create a filtered webpage by removing the undesired incoming webpage content, and display the filtered webpage to the user.
Inventor(s): Kevin OSBORN of Newton MA (US) for capital one services, llc, Srinivasa CHIGURUPATI of Long Grove IL (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc
IPC Code(s): G06F21/32, G06Q20/32, G06Q20/34, G06Q20/38, G06Q20/40, H04L9/32, G06T1/00, G06V40/12, H04L9/08
Abstract: various embodiments are generally directed to utilizing a steganographically encoded image with an offline and/or online verification or authentication protocol. a method for using the steganographic image can include: receiving or utilizing a steganographic image associated with a user at a third-party device, the steganographically encoded image including an identification of a user steganographically encoded with a fingerprint template of the user, and authenticating the user using the steganographically encoded image.
Inventor(s): Austin WALTERS of Savoy IL (US) for capital one services, llc, Brian BARR of Schenectady NY (US) for capital one services, llc, Anh TRUONG of Champaign IL (US) for capital one services, llc, Jeremy GOODSITT of Champaign IL (US) for capital one services, llc, Grant EDEN of Menlo Park CA (US) for capital one services, llc, Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Galen RAFFERTY of Mahomet IL (US) for capital one services, llc, Christopher WALLACE of Rochester NY (US) for capital one services, llc
IPC Code(s): G06F21/36, G06F9/451, G06F21/32
Abstract: in some implementations, a server may receive, from a user device, one or more credentials associated with a user. accordingly, the server may transmit, to the user device, instructions for generating a user interface including a plurality of visual components based on authenticating the user with the one or more credentials. the server may detect, during a first interval, a lack of interaction with the user interface. accordingly, the server may remove one of the plurality of visual components from the user interface based on the lack of interaction. additionally, the server may detect, during a second interval, one or more interactions with the user interface and may update a similarity score associated with the user based on properties associated with the one or more interactions. accordingly, the server may restore the visual component to the user interface based on the updated similarity score satisfying a similarity threshold.
Inventor(s): Abdelkader M'Hamed Benkreira of Washington DC (US) for capital one services, llc, Joshua Edwards of Philadelphia PA (US) for capital one services, llc, Michael Mossoba of Great Falls VA (US) for capital one services, llc
IPC Code(s): G06F40/174, G06Q40/02, G06F40/295, G06F40/205, G06F40/30
Abstract: disclosed embodiments accelerate web form completion based on email address analytics. an email address can be input with respect to a web form and identified. the email address can be parsed into a username and a domain name and analyzed. a value of a web form field can be determined based on data extracted from the username, domain name, or both. the determined value can then be employed to automatically complete a corresponding web form field values for additional fields can be computed based on the determined value alone or combined with data from other sources. user input and interaction with a web form can be monitored and used as a basis to dynamically complete additional fields, alter fields, or clear field values.
Inventor(s): David Tobey of Brooklyn NY (US) for capital one services, llc, Kamalesh Jayaraman of Fairfax VA (US) for capital one services, llc, Jagdeep Kalra of Herndon VA (US) for capital one services, llc
IPC Code(s): G06F40/30, H04L12/58, G06F40/166, G06N20/00, G06N5/04
Abstract: systems and methods associated with generation and/or provision of predictive content are disclosed. one exemplary method includes receiving communications associated with a plurality of customers; determining a message type for each message of the communications; splitting first messages of the first message type into a first set of subcomponent text sections; splitting second messages of the second message type into a second set of subcomponent text sections; analyzing the first set and the second set to generate a plurality of semantic numerical scores for each respective subcomponent text section; determining at least one impactful semantic category for a target audience by selecting at least one semantic category corresponding to at least one semantic numerical score of at least one subcomponent text section of the first set or the second set that is equal to or higher than a first pre-determined threshold value; generating personalized textual content targeting the audience.
Inventor(s): Oluwatobi Olabiyi of Arlington VA (US) for capital one services, llc, Erik T. Mueller of Chevy Chase MD (US) for capital one services, llc, Diana Mingels of Washington DC (US) for capital one services, llc, Zachary Kulis of Washington DC (US) for capital one services, llc
IPC Code(s): G06F40/30, G06F40/56, G06F40/35, G06N3/049, G10L15/22, G10L15/06, G10L15/16, G06N20/00, G06F40/284, G06F18/21, G06F18/214
Abstract: machine classifiers in accordance with embodiments of the invention capture long-term temporal dependencies in particular tasks, such as turn-based dialogues. machine classifiers may be used to help users to perform tasks indicated by the user. when a user utterance is received, natural language processing techniques may be used to understand the user's intent. templates may be determined based on the user's intent in the generation of responses to solicit information from the user. a variety of persona attributes may be determined for a user. the persona attributes may be determined based on the user's utterances and/or provided as metadata included with the user's utterances. a response persona may be used to generate responses to the user's utterances such that the generated responses match a tone appropriate to the task. a response persona may be used to generate templates to solicit additional information and/or generate responses appropriate to the task.
20240046095.NEURAL EMBEDDINGS OF TRANSACTION DATA_simplified_abstract_(capital one services, llc)
Inventor(s): Christopher BRUSS of Washington DC (US) for capital one services, llc, Keegan HINES of Washington DC (US) for capital one services, llc
IPC Code(s): G06N3/08, G06N20/00, G06Q20/16, G06F16/25
Abstract: systems, methods, and computer program products to provide neural embeddings of transaction data. a network graph of transaction data based on a plurality of transactions may be received. the network graph of transaction data may define relationships between the transactions, each transaction associated with at least a merchant and an account. a neural network may be trained based on training data comprising a plurality of positive entity pairs and a plurality of negative entity pairs. an embedding function may then encode transaction data for a first new transaction. an embeddings layer of the neural network may determine a vector for the first new transaction based on the encoded transaction data for the first new transaction. a similarity between the vectors for the transactions may be determined. the first new transaction may be determined to be related to the second transaction based on the similarity.
20240046212.SECURING LENDER OUTPUT DATA_simplified_abstract_(capital one services, llc)
Inventor(s): Dinesh SUNDARAM of Plano TX (US) for capital one services, llc, Trent JONES of Mckinney TX (US) for capital one services, llc
IPC Code(s): G06Q10/10, G06Q30/0201, G06F16/955, H04L9/40, G06N20/00, G06F9/54, G06F21/60, G06N3/02, G06F9/445, G06F16/25, G06F21/62, H04L9/08, G06Q20/40, G06Q30/018, G06Q30/0601, G06F40/103, G06F40/174, G06F40/18, G06Q40/02, G06F21/53, G06N5/025, G06Q20/38, H04L67/01, G06F18/24, G06Q40/03
Abstract: a multi-lender architecture is configured to provide a loan applicant with automated pre-qualification and automobile loan eligibility evaluation for multiple candidate lenders. lender output data may include sensitive data. the lender output data is stored in a data object of a first format and one or more fields of the data object are encrypted at the field level. the encrypted data object may be transmitted through multiple application layers or terminals. the encrypted data object may be reformatted at one or more application layers or terminals without decryption. a reformatted encrypted data object containing the lender output data may be decrypted at the last layer before forwarding the lender output data to the loan applicant.
Inventor(s): Austen NOVIS of Jamestown RI (US) for capital one services, llc, Eric LOUCKS of Tyson VA (US) for capital one services, llc, Brian LEE of South Riding VA (US) for capital one services, llc
IPC Code(s): G06Q20/10, G06K7/08, G06K7/00, G07F19/00
Abstract: systems and methods provided herein may include a card replacement system. the system may include an automated teller machine in data communication with a server. the automated teller machine may include an input device; a processor; a replacement card storage containing at least one replacement card, wherein the at least one replacement cards may include a magnetic stripe and a chip; a magnetic stripe writer; a chip writer; and an embossing device. the processor may be configured to: receive a replacement card request via the input device; request replacement card information from the server; encode replacement card information onto the replacement card using the magnetic stripe writer and the chip writer; and emboss user information onto the replacement card using the embossing device.
Inventor(s): Jeremy J. PHILLIPS of Champaign IL (US) for capital one services, llc, Matthew B. KONOPA of Vero Beach FL (US) for capital one services, llc
IPC Code(s): G06Q20/10, G07F19/00, G06Q20/32
Abstract: disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. a user of a mobile app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where kiosk access is needed, receive instructions to visit a kiosk and scan the encoded identifier displayed by the kiosk. the scanned encoded identifier may be associated with the transaction, and the mobile app may transmit a request to complete the transaction at the kiosk.
Inventor(s): Xiaoguang ZHU of NewYork NY (US) for capital one services, llc, Samuel RAPOWITZ of Roswell GA (US) for capital one services, llc, Lin Ni Lisa CHENG of Fresh Meadows NY (US) for capital one services, llc
IPC Code(s): G06Q20/32, G06Q20/40, G06Q50/12
Abstract: systems and methods for implementing a single step processing for two-step transactions involving an initial and a final amount. the proposed systems and methods incorporates a built-in logical operations and parameter acquisition scheme for identification of two-step transaction and internal computation of the final amount based on user specified logical operations and input parameters. data values, corresponding to the input parameters, may be dynamically extracted from the transactions string and/or obtained from one or more applications running on the user device, and subsequently, processed with the specified logical operations to generate a final transaction amount from the initial transaction amount referenced in the transaction request. the final transaction amount may then be validated and a single authentication response transmitted to a payment gateway initiating the request.
Inventor(s): David Kelly Wurmfeld of Fairfax VA (US) for capital one services, llc
IPC Code(s): G06Q20/32, G06K19/06, G06Q20/20, G06Q40/02, G06Q20/04, G06Q20/40, G06F21/31, H04W12/06, H04W76/10
Abstract: a method may include generating, by a computing device, a first dynamic qr code comprising a plurality of qr code frames, each qr code frame transmitted at a first frequency, the plurality of qr code frames comprising non-viable qr code frame(s) and at least one viable qr code frame. the method may include displaying, by the computing device, the first dynamic qr code, the at least one viable qr code frame displayed at a first time. the method may include transmitting, by the computing device, a first pulse to a user device. the method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable qr code frame. the method may include generating and displaying, by the user device, a second dynamic qr code, causing the computing device to complete a requested transaction.
Inventor(s): David Kelly Wurmfeld of Fairfax VA (US) for capital one services, llc
IPC Code(s): G06Q20/32, G06K19/06, G06Q20/20, G06Q40/02, G06Q20/04, G06Q20/40, G06F21/31, H04W12/06, H04W76/10
Abstract: a method may include generating, by a computing device, a first dynamic qr code comprising a plurality of qr code frames, each qr code frame transmitted at a first frequency, the plurality of qr code frames comprising non-viable qr code frame(s) and at least one viable qr code frame. the method may include displaying, by the computing device, the first dynamic qr code, the at least one viable qr code frame displayed at a first time. the method may include transmitting, by the computing device, a first pulse to a user device. the method may include capturing, by the user device at the first time and in response to receiving the first pulse, the at least one viable qr code frame. the method may include generating and displaying, by the user device, a second dynamic qr code, causing the computing device to complete a requested transaction.
20240046248.TONE VERIFICATION OF A PHYSICAL CARD_simplified_abstract_(capital one services, llc)
Inventor(s): Galen RAFFERTY of Mahomet IL (US) for capital one services, llc, Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Austin WALTERS of Savoy IL (US) for capital one services, llc
IPC Code(s): G06Q20/32, G10L17/22, G06K7/00
Abstract: in some implementations, a card for communicating with a front-end device may include a substrate and an audio generator at least partially embedded in the substrate and configured to generate audio waves. additionally, the card may include a contact at least partially embedded in the substrate and configured to activate the audio generator and circuitry configured to process an incoming signal from the contact and to transmit an outgoing signal to the audio generator. additionally, or alternatively, the card may include an output device in lieu of the audio generator. accordingly, the circuitry may be configured to process an incoming signal from the contact and to transmit an outgoing signal to an audio generator via the output device.
Inventor(s): Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Stephane LUNATI of Boerne TX (US) for capital one services, llc, Kaitlin NEWMAN of Washington DC (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06Q20/32, H04L9/40
Abstract: systems and methods for implementing an automated system and process for facilitating a streamlined and secure transfer of authenticated user data over a network. the process may be initiated via activation of a customized hyperlink displayed on a web interface. the customized hyperlink being operationally integrated with an encryption and authentication providing system to trigger one or more data collection and/or authentication operations that enable an automated retrieval of authenticated user information in a secure fashion. one aspect of the security involves an authentication scheme facilitated by context-switching between a mobile browser-initiated http/https session and one or more data collection and/or authentication functionalities provided by one or more applications stored on a user mobile device. the secure data retrieval process may be further supplemented by a cryptographic exchange of request and/or response messages enabled by a back-end integration with the encryption and authentication providing system.
Inventor(s): Tyler MAIMAN of Melville NY (US) for capital one services, llc, Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06Q20/22, G06N20/00
Abstract: in some implementations, a system may receive an automatic transaction request associated with an amount. the system may determine that transferring the amount associated with the automatic transaction request from a main account would cause a value associated with the main account to fail to satisfy a threshold. the system may generate an alternative transaction processing instruction to prevent the automatic transaction request from causing the value associated with the main account to fail to satisfy the threshold. the system may process the automatic transaction request according to the alternative transaction processing instruction, wherein processing the automatic transaction request includes: processing the automatic transaction request using one or more alternative accounts or using the main account after the value of the main account has changed to a level sufficient to satisfy the threshold and cover the amount associated with the automatic transaction request.
Inventor(s): Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc, Brendan WAY of Brooklyn NY (US) for capital one services, llc, Tyler MAIMAN of Melville NY (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06Q20/34
Abstract: example embodiments of systems and methods for a cryptographic bypass system, comprising: a contactless card; and a server, wherein the server is configured to: receive a cryptogram and location data after a tap of the contactless card to a client device, identify a first merchant based on the location data, set a flag associated with the first merchant and the contactless card, receive a transaction request from a merchant payment system of the first merchant associated with the contactless card, wherein the transaction request indicates a transaction amount, and approve the transaction request when the transaction amount exceeds a first transaction limit when the flag is set.
Inventor(s): Austin WALTERS of Savoy IL (US) for capital one services, llc, Jeremy GOODSITT of Champaign IL (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06F16/29, H04W24/10, G06F16/23
Abstract: an exemplary system, method, and computer-accessible medium can include receiving first information related to a first transaction associated with a financial account, determining a first network coverage area associated with the first transaction, receiving second information related to a second transaction associated with the financial account, determining a second network coverage area associated with the second transaction, flagging the second transaction as potentially fraudulent based on the first network coverage area and the second network coverage area. the financial account can be a credit card account. the second transaction can be flagged if the first network coverage area and the second network coverage area do not overlap. the first network coverage area can be based on a coverage area for a first satellite and the second network coverage area can be based on the coverage area for a second satellite, where the first satellite can be different than the second satellite.
Inventor(s): David BEILIS of Vaughan (CA) for capital one services, llc, Mohammad NEJAD-SATTARY of Richmond Hill (CA) for capital one services, llc, Tony TANG of Richmond Hill (CA) for capital one services, llc
IPC Code(s): G06Q30/016, G06Q30/0282, G06N20/00, H04L67/306, H04L65/1069, H04L51/046, G06V40/16, G06F18/21, G06V10/82
Abstract: systems and methods are disclosed providing user emotion information to a customer service provider. for example, a method may include: transmitting, to a user device over a communication network, application data enabling the user device to perform a functionality usable by a user of the user device, the user device including a camera; receiving, from the user device over the communication network, user feedback data indicative of a characteristic of image data of the user obtained by the camera during usage of the functionality by the user; inputting the value of the facial expression parameter into a machine learning model to determine an assessment of an emotional state of the user during the usage of the functionality; and providing the assessment to the customer service provider.
Inventor(s): Abdelkader BENKREIRA of New York NY (US) for capital one services, llc, Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Adam VUKICH of Springfield VA (US) for capital one services, llc
IPC Code(s): G06Q30/0226, H04W4/12, G06Q30/0207
Abstract: a computer-implemented method of providing a notification to a user may include: obtaining a plurality of trigger conditions; monitoring a web session of the user to determine whether a trigger condition of the plurality of trigger conditions is satisfied; and in response to determining that the trigger condition is satisfied, executing a notification process, wherein the notification process includes: obtaining vendor information based on the trigger condition that is triggered, the vendor information including information associated with one or more vendors associated with the trigger condition that is triggered and/or alternative offer information associated with the one or more vendors; and causing display of a notification, the notification including information corresponding to the one or more vendors and/or the alternative offer information.
Inventor(s): Xiaoguang ZHU of New York NY (US) for capital one services, llc, Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc, Brendan WAY of Brooklyn NY (US) for capital one services, llc
IPC Code(s): G06Q30/06, G06Q10/08
Abstract: in a method of facilitating product exchange transactions, an exchange facilitation system uses product return transaction data to establish a machine learning-based return transaction model using. the exchange facilitation system receives a request to purchase a desired product from a first purchaser user device. the exchange facilitation system determines an exchange offer recommendation using the machine learning-based return transaction model and information from the request to purchase. the recommendation includes an exchange offer including a proposed wait interval duration. the exchange facilitation system transmits the exchange offer to and receives an exchange offer response back from the first purchaser user device. responsive to receiving a positive exchange offer response, the exchange facilitation system initiates a product exchange wait interval limited to the wait interval duration.
Inventor(s): Jason WITTENBACH of North Reading MA (US) for capital one services, llc, Samuel SHARPE of Cambridge MA (US) for capital one services, llc
IPC Code(s): G06Q40/03, H04L9/40, G06N3/08, G06N5/045
Abstract: methods and systems are disclosed for generating recommendations for causes of computer alerts that are automatically detected by a machine learning algorithm are described. for example, the system may receive a first feature vector with an unknown alert status, wherein the first feature vector represents values corresponding to a plurality of computer states in a first computer system. the system may input the first feature vector into an artificial neural network, wherein the artificial neural network is trained to detect a known alert status based on a set of training data comprising labeled feature vectors corresponding to the known alert status, and wherein the artificial neural network is trained to detect conditional expectations the plurality of computer states in an inputted feature vector.
Inventor(s): Jason PRIBBLE of McLean VA (US) for capital one services, llc, Nicholas CAPURSO of Fairfax VA (US) for capital one services, llc, Daniel Alan JARVIS of Vienna VA (US) for capital one services, llc
IPC Code(s): G06V10/24, G06T3/60, G06T7/62, G06T5/00, G06V30/413, G06V10/20
Abstract: a user device may capture an image including an object, and may identify the object, including determining an outline of the object. the user device may determine a first center point of the object and an angle of orientation of the object in relation to the image. the user device may rotate the image based on the angle of orientation, including changing one or more dimensions of the image. the user device may, after rotating the image, determine the one or more dimensions of the rotated image, calculate one or more offset values associated with changing the one or more dimensions of the rotated image, and determine a second center point of the object based on the first center point and the one or more offset values. the user device may perform an action related to the rotated image based on determining the second center point of the object.
Inventor(s): Leeyat Bracha Tessler of Arlington VA (US) for capital one services, llc, Tyler Maiman of Melville NY (US) for capital one services, llc, Phoebe Atkins of Midlothian VA (US) for capital one services, llc
IPC Code(s): G06V10/75, G06V10/40, G06V10/774, G06Q10/08
Abstract: the disclosed technology relates to assessing and securing credit risk using creditworthiness tokens issued in a blockchain network responsive to particular financial events. an exemplary blockchain node device may store an issuance smart contract associated with an identity and including a first wallet address and allocation parameters. an event query may be sent to an oracle device external to the blockchain network. the event query may include the identity. event data associated with the identity may then be received from the oracle device in response to the event query. a number of creditworthiness tokens is determined based on an application of the allocation parameters to the event data. the determined number of creditworthiness tokens is then allocated to the identity via the first wallet address. thereafter, the creditworthiness tokens can be transferred or collateralized, e.g., and can represent creditworthiness for the identity across financial institutions.
Inventor(s): Vamsi KAVURI of Glen Allen VA (US) for capital one services, llc, Jignesh RANGWALA of Glen Allen VA (US) for capital one services, llc, Santhi SRIDHARAN of Glen Allen VA (US) for capital one services, llc, Muthukumaran VEMBULI of Glen Allen VA (US) for capital one services, llc, Lee ADCOCK of Midlothian VA (US) for capital one services, llc, Mehulkumar Jayantilal GARNARA of Glen Allen VA (US) for capital one services, llc, Srikanth Reddy SHESHAIAHGARI of Richmond VA (US) for capital one services, llc
IPC Code(s): G06V20/62, G06V20/40, G06V40/20, H04N5/272, G06V30/14, G10L15/08
Abstract: in some embodiments, user extraction of in-video text may be facilitated. in some embodiments, a video associated with a video communication session may be processed to detect moving text to which a first user is referring in the video. based on the detection of the moving text, location information associated with the moving text may be determined. for example, the location information may indicate spatial locations of the moving text. based on the text location information, a graphical text location indicator may be overlayed on the video (e.g., on a first portion of a user interface of a user device) where the graphical text location indicator is presented proximate the moving text. selectable text corresponding to the moving text and an auxiliary indicator corresponding to the graphical text location indicator may be presented on a second portion of the user interface.
Inventor(s): Swapnil PATIL of Vienna VA (US) for capital one services, llc, Patrick ZEARFOSS of Leesburg VA (US) for capital one services, llc, Jason PRIBBLE of McLean VA (US) for capital one services, llc
IPC Code(s): G06V40/40, G06V40/16, G06T7/50
Abstract: a method for determining authenticity of an object in real-time is disclosed. the method being performed by a processor includes receiving image data of the object. the image data includes both the captured image showing a visual representation of the object as well as depth data describing the relative distance between different objects in the image and the camera. this depth information is analyzed in order to determine a liveness of the object. the analysis may include verifying a sufficient change in depth between the subject and a background as well as comparing an edge of a foreground object to an expected edge or an edge determined from the image. based on this analysis, a determination can be made as to whether the image is of a live (e.g., real) subject.
Inventor(s): Tate TRAVAGLINI of New York NY (US) for capital one services, llc, Andrew OESTREICHER of Washington DC (US) for capital one services, llc, Victor ALVAREZ MIRANDA of McLean VA (US) for capital one services, llc, Parag JAIN of Falls Church VA (US) for capital one services, llc, Rui ZHANG of New York NY (US) for capital one services, llc
IPC Code(s): G10L15/18, G10L15/065, G10L15/22, G06F40/30
Abstract: methods and systems for dynamically updating machine learning models that provide conversational responses through the use of a configuration file that defines modifications and changes to the machine learning model are disclosed. for example, the configuration file may be used to define an expected behavior and required attributes for instituting modifications and changes (e.g., via a mutation algorithm) to the machine learning model.
Inventor(s): Andrew Berger of Dayton OH (US) for capital one services, llc, Ashish Gupta of Richmond VA (US) for capital one services, llc, Marek Bazler of Glen Allen VA (US) for capital one services, llc, Bharath Bhushan Sreeravindra of Sunnyvale CA (US) for capital one services, llc, Hao Cheng of Oakton VA (US) for capital one services, llc
IPC Code(s): H04L9/08
Abstract: systems and methods, as described herein, may comprise and/or utilize data governance systems to enable end-to-end encrypted communications between an organization and third parties as well as between systems internal to the organization. the data governance systems may enforce compliance with an organization's data governance policies, as well as various laws, rules, and/or policies, for encrypted communications and/or other encrypted data payloads.
20240048380.Cryptography-as-a-Service_simplified_abstract_(capital one services, llc)
Inventor(s): Andrew Berger of Dayton OH (US) for capital one services, llc, Ashish Gupta of Richmond VA (US) for capital one services, llc, Marek Bazler of Glen Allen VA (US) for capital one services, llc, Bharath Bhushan Sreeravindra of Sunnyvale CA (US) for capital one services, llc, Hao Cheng of Oakton VA (US) for capital one services, llc
IPC Code(s): H04L9/32, H04L9/30, G06F9/54, H04L9/08
Abstract: systems and methods, as described herein, may comprise and/or utilize data governance systems to enable end-to-end encrypted communications between an organization and third parties as well as between systems internal to the organization. the data governance systems may enforce compliance with an organization's data governance policies, as well as various laws, rules, and/or policies, for encrypted communications and/or other encrypted data payloads.
Inventor(s): Matthew Louis NOWAK of Midlothian VA (US) for capital one services, llc, Michael Anthony YOUNG, Jr. of Henrico VA (US) for capital one services, llc, Christopher McDANIEL of Glen Allen VA (US) for capital one services, llc
IPC Code(s): H04L43/0876, H04L67/10, G06N20/20, G06F40/205, H04L43/16
Abstract: methods and systems that use a plurality of machine learning models to both monitor user-generated data entries corresponding to differences in network traffic that may be evidence of a disruption and determine severity levels based on: (i) current and historic differences in average network traffic over the plurality of communication networks; (ii) current and historic user-generated data entries; and (iii) labeled severity levels for historic differences in average network traffic over the plurality of communication networks.
Inventor(s): Scott Karp of Washington DC (US) for capital one services, llc, Erik Mueller of Chevy Chase MD (US) for capital one services, llc
IPC Code(s): H04L51/02
Abstract: embodiments disclosed herein generally relate to a system and method for proactively generating an intervening message for a remote client device in response to an anticipated user action. a computing system receives one or more streams of user activity. the one or more streams of user activity include interaction with a server of an organization via an application executing on the remote client device. the computing system inputs the one or more streams of user activity into a prediction model. the computing system identifies an anticipated user action based on a prediction output from the prediction model. the computing system determines, based on a solution model, a proposed solution to the anticipated user action. the computing system generates an anticipated message to be transmitted to the remote client device of the user. the computing system transmits the anticipated message to the remote client device of the user.
Inventor(s): Leeyat Bracha Tessler of Arlington VA (US) for capital one services, llc, Tyler Maiman of Melville NY (US) for capital one services, llc, Phoebe Atkins of Midlothian VA (US) for capital one services, llc
IPC Code(s): H04L51/18, H04L67/52, H04L51/224, G06F3/0482, G06N7/00, G06Q10/10
Abstract: disclosed embodiments may include a system for converting a physical meeting into a virtual meeting. the system may receive scheduling and location data associated with a first user. the system may determine whether the first user has an upcoming meeting at a physical location, and responsive to such determination, may determine a proximity of the first user to the upcoming meeting. the system may determine, by an mlm and based on the proximity, a probability that the first user will be late to the upcoming meeting. the system may determine whether the probability exceeds a predetermined threshold, and responsive to such determination, may convert the upcoming meeting to a virtual meeting by generating a virtual meeting link, and may transmit, to user device(s), a notification comprising the virtual meeting link.
Inventor(s): Andrew Berger of Dayton OH (US) for capital one services, llc, Ashish Gupta of Richmond VA (US) for capital one services, llc, Bharath Bhushan Sreeravindra of Sunnyvale CA (US) for capital one services, llc, Hao Cheng of Oakton VA (US) for capital one services, llc, Marek Bazler of Glen Allen VA (US) for capital one services, llc
IPC Code(s): H04L9/40
Abstract: systems and methods, as described herein, may comprise and/or utilize data governance systems to enable end-to-end encrypted communications between an organization and third parties as well as between systems internal to the organization. the data governance systems may enforce compliance with an organization's data governance policies, as well as various laws, rules, and/or policies, for encrypted communications and/or other encrypted data payloads.
Inventor(s): Selvakannan DHANDAPANI of Glen Allen VA (US) for capital one services, llc, Srividya BODDULURI of Glen Allen VA (US) for capital one services, llc, Gregory C. DEIGNAN of Midlothian VA (US) for capital one services, llc, Casey M. MINNER of Brightwood VA (US) for capital one services, llc, Christine H. LINDSEY of Midlothian VA (US) for capital one services, llc, Narasimhan MEPPERLA of Moseley VA (US) for capital one services, llc
IPC Code(s): H04M3/523, G06F16/953, H04M3/51, G06Q30/016, G06F16/906, G06Q30/02
Abstract: in some implementations, a cloud computing system that executes a function may receive an indication of an electronic communication to occur between a customer and an agent. the cloud computing system that executes the function may determine a classification of the electronic communication based on a first set of rules stored in a database of the cloud computing system and attributes associated with the electronic communication. the cloud computing system that executes the function may select, based on the classification of the electronic communication, a target queue from a plurality of potential queues to be associated with the electronic communication based on a second set of rules stored in the database. the cloud computing system that executes the function may select the agent from a plurality of potential agents for the electronic communication based on an association between the agent and the target queue.
Inventor(s): Brendan Way of Brooklyn NY (US) for capital one services, llc, Tyler Maiman of Melville NY (US) for capital one services, llc, Abdelkader M'Hamed Benkreira of Washington DC (US) for capital one services, llc
IPC Code(s): H04W12/73, H04W12/08, H04W12/06
Abstract: systems and methods are disclosed including receiving an electronic access request to add a secondary electronic profile of a secondary user to a primary electronic profile of a primary user. a processor generates and sends a first security challenge to the primary user and a secondary security challenge to the secondary user. the processor receives a response from the primary user in response to the first security challenge and a response from the secondary user in response to the secondary security challenge. the processor authenticates the electronic access request based on the first response being a valid response and the secondary response being a valid response. the processor generates the secondary electronic profile as a nested profile within the primary electronic profile. the processor instructs the primary user device or the secondary user device to display a confirmation of the secondary user being added to the primary electronic profile.
Capital One Services, LLC patent applications on February 8th, 2024
- Capital One Services, LLC
- G06F3/06
- Capital one services, llc
- G06F8/71
- G06F8/656
- G06F9/54
- G06F16/178
- H04L9/40
- H04L67/1095
- H04L67/1097
- G06F21/62
- G06F21/60
- H04L67/06
- G06F16/27
- G06Q10/0637
- G06F8/30
- G06F16/2457
- G06F16/9535
- G06F16/951
- G06F16/9537
- G06F9/451
- G06Q50/14
- G06F16/9538
- G06F40/205
- G06F40/30
- G06F21/32
- G06Q20/32
- G06Q20/34
- G06Q20/38
- G06Q20/40
- H04L9/32
- G06T1/00
- G06V40/12
- H04L9/08
- G06F21/36
- G06F40/174
- G06Q40/02
- G06F40/295
- H04L12/58
- G06F40/166
- G06N20/00
- G06N5/04
- G06F40/56
- G06F40/35
- G06N3/049
- G10L15/22
- G10L15/06
- G10L15/16
- G06F40/284
- G06F18/21
- G06F18/214
- G06N3/08
- G06Q20/16
- G06F16/25
- G06Q10/10
- G06Q30/0201
- G06F16/955
- G06N3/02
- G06F9/445
- G06Q30/018
- G06Q30/0601
- G06F40/103
- G06F40/18
- G06F21/53
- G06N5/025
- H04L67/01
- G06F18/24
- G06Q40/03
- G06Q20/10
- G06K7/08
- G06K7/00
- G07F19/00
- G06Q50/12
- G06K19/06
- G06Q20/20
- G06Q20/04
- G06F21/31
- H04W12/06
- H04W76/10
- G10L17/22
- G06Q20/22
- G06F16/29
- H04W24/10
- G06F16/23
- G06Q30/016
- G06Q30/0282
- H04L67/306
- H04L65/1069
- H04L51/046
- G06V40/16
- G06V10/82
- G06Q30/0226
- H04W4/12
- G06Q30/0207
- G06Q30/06
- G06Q10/08
- G06N5/045
- G06V10/24
- G06T3/60
- G06T7/62
- G06T5/00
- G06V30/413
- G06V10/20
- G06V10/75
- G06V10/40
- G06V10/774
- G06V20/62
- G06V20/40
- G06V40/20
- H04N5/272
- G06V30/14
- G10L15/08
- G06V40/40
- G06T7/50
- G10L15/18
- G10L15/065
- H04L9/30
- H04L43/0876
- H04L67/10
- G06N20/20
- H04L43/16
- H04L51/02
- H04L51/18
- H04L67/52
- H04L51/224
- G06F3/0482
- G06N7/00
- H04M3/523
- G06F16/953
- H04M3/51
- G06F16/906
- G06Q30/02
- H04W12/73
- H04W12/08
