Capital One Services, LLC patent applications on April 4th, 2024

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Patent Applications by Capital One Services, LLC on April 4th, 2024

Capital One Services, LLC: 39 patent applications

Capital One Services, LLC has applied for patents in the areas of G06N20/00 (12), G06N3/08 (8), H04L9/40 (6), G06V30/412 (4), G06N20/20 (4)

With keywords such as: data, user, device, systems, methods, based, learning, information, machine, and software in patent application abstracts.



Patent Applications by Capital One Services, LLC

20240111503.SYSTEMS AND METHODS FOR DATA TRANSFORMATION_simplified_abstract_(capital one services, llc)

Inventor(s): Komal Krishna PANDAMANETI of Frisco TX (US) for capital one services, llc, Sriram SRINIVASAN of Frisco TX (US) for capital one services, llc, Lavanya RAJA of Frisco TX (US) for capital one services, llc, Sairam KOMMIREDDY of Frisco TX (US) for capital one services, llc, Maria RABINOWITZ of Arlington VA (US) for capital one services, llc, Steven W. BRASKAMP of Dallas TX (US) for capital one services, llc, Steven G. CHIAGOURIS of Plano TX (US) for capital one services, llc, Jason E. LINES of Prosper TX (US) for capital one services, llc, Arjun DUGAL of Dallas TX (US) for capital one services, llc, Brittany Nicole Geron COURTNEY of Celina TX (US) for capital one services, llc

IPC Code(s): G06F8/35, G06F8/71



Abstract: systems and methods for transforming data for a batch-based legacy software program into data suitable for processing by a streaming-based new software program. in some aspects, the system generates an information stream for multiple threads from batch information received from the legacy software program. the system processes the information stream for the multiple threads using the new software program. if there is a mismatch between outputs of the legacy and new software programs for at least one thread, the system adjusts a data model of the new software program to address the mismatch and generates an updated information stream for processing by the new software program.


20240111509.SYSTEMS AND METHODS FOR DETERMINING SOFTWARE PARITY_simplified_abstract_(capital one services, llc)

Inventor(s): Komal Krishna PANDAMANETI of Frisco TX (US) for capital one services, llc, Lavanya RAJA of Frisco TX (US) for capital one services, llc, Sairam KOMMIREDDY of Frisco TX (US) for capital one services, llc, Maria RABINOWITZ of Arlington VA (US) for capital one services, llc, Steven G. CHIAGOURIS of Plano TX (US) for capital one services, llc, Jason E. LINES of Prosper TX (US) for capital one services, llc, Brittany Nicole Geron COURTNEY of Celina TX (US) for capital one services, llc

IPC Code(s): G06F8/65, G06F11/36



Abstract: systems and methods for determining that a new software program is in parity with a legacy software program. in some aspects, the system receives information for multiple threads processed by a legacy software program. the system processes the information using the new software program, which is executed in parallel with the legacy software program. if an output of a particular thread from the new software program varies outside a threshold distance from a corresponding output for the thread from the legacy software program, the system ceases further processing of the particular thread by the new software program. otherwise, the system allows processing of the particular thread by the new software program to continue.


20240111510.SYSTEMS AND METHODS FOR DATA MIGRATION_simplified_abstract_(capital one services, llc)

Inventor(s): Komal Krishna PANDAMANETI of Frisco TX (US) for capital one services, llc, Sunitha Rani GOTTIPATI of Mckinney TX (US) for capital one services, llc, Siva R. VEGESANA of Frisco TX (US) for capital one services, llc, Lavanya RAJA of Frisco TX (US) for capital one services, llc, Sairam KOMMIREDDY of Frisco TX (US) for capital one services, llc, Maria RABINOWITZ of Arlington VA (US) for capital one services, llc, Lavanya SABAPATHY of Allen TX (US) for capital one services, llc, Ramakrishna DUGGINENI of Frisco TX (US) for capital one services, llc, Jason E. LINES of Prosper TX (US) for capital one services, llc, Srinivasulu MUPPARAJU of Little Elm TX (US) for capital one services, llc

IPC Code(s): G06F8/65



Abstract: systems and methods for migrating data from a legacy software program to a new software program. in some aspects, the system captures a snapshot of the current state of static data for multiple threads from the legacy software program. the system processes the static data for the multiple threads using the new software program to generate dynamic data for a period of time. during the same period of time, the legacy software program also produces dynamic data for the multiple threads. if there is a mismatch between dynamic data from the new and legacy software programs for at least one thread, the system generates metadata for the at least one thread to supplement static data for the at least one thread for processing by the new software program.


20240111652.SYSTEMS AND METHODS FOR ANALYZING PERFORMANCE FOR DIFFERENT TERMINATION TIME PERIODS_simplified_abstract_(capital one services, llc)

Inventor(s): Komal Krishna PANDAMANETI of Frisco TX (US) for capital one services, llc, Siva R. VEGESANA of Frisco TX (US) for capital one services, llc, Lavanya RAJA of Frisco TX (US) for capital one services, llc, Sairam KOMMIREDDY of Frisco TX (US) for capital one services, llc, Maria RABINOWITZ of Arlington VA (US) for capital one services, llc, Dennis Sean BRENNAN of Pleasanton CA (US) for capital one services, llc, Jason E. LINES of Prosper TX (US) for capital one services, llc, Leonhardt deWAAL of Orinda CA (US) for capital one services, llc

IPC Code(s): G06F11/34, G06F11/30



Abstract: systems and methods for determining a difference in performance for a software program processing input data for multiple threads based on different termination time periods for handling an exception. in some aspects, the system receives input data and corresponding performance data for multiple threads with respect to a first termination time period for terminating the thread when an exception is detected. the system processes the input data to generate corresponding performance data for the multiple threads with respect to a second termination time period for terminating the thread when the exception is detected. the system determines a difference in performance for a particular thread based on performance data with respect to the first termination time period and corresponding performance data with respect to the second termination time period.


20240111748.Stream-Based Database Alteration Architecture and Methods for Managing Databases_simplified_abstract_(capital one services, llc)

Inventor(s): Andrew Chouman of Seattle WA (US) for capital one services, llc, Chih-Hsiang Chow of Coppell TX (US) for capital one services, llc

IPC Code(s): G06F16/23, G06F16/27, H04L9/40



Abstract: systems and methods for providing stream-based database alteration architecture are disclosed. the systems and methods can receive a plurality of client tracking identification numbers in a data stream from a database via a communication network, wherein the plurality of client tracking identification numbers comprises customer metadata. the received plurality of client tracking identification numbers is assigned to one or more virtual consumer processors for encrypting or decrypting a client record associated with each of the plurality of received client tracking identification numbers. the client record associated with each of the received plurality of client tracking identification numbers is encrypted or decrypted. a database is updated to indicate the client record associated with each of the received plurality of client tracking identification numbers is encrypted or decrypted using the assigned one or more virtual consumer processors.


20240111754.SYSTEMS AND METHODS FOR ENHANCING TRANSACTION DATA_simplified_abstract_(capital one services, llc)

Inventor(s): Allison Fenichel of Brooklyn NY (US) for capital one services, llc, Amanda Sneider of New York NY (US) for capital one services, llc, Zenobia Zoila Liendo of Reston VA (US) for capital one services, llc

IPC Code(s): G06F16/23, G06F16/955



Abstract: a system may receive, via a web browser plugin on a user device, a first timestamp associated with first click data at a website associated with a merchant, a referring uniform resource location (url), a current url, and first user identification data. the system may also receive transaction data including a second timestamp, second user identification data, and a first merchant name associated with a transaction with the merchant. the system may determine whether the first timestamp is within a predetermined period of the second timestamp and determine whether the first user identification data corresponds with the second user identification data. when the system determines that the first timestamp is within the predetermined period of the second timestamp and the first user identification data corresponds with the second user identification data, the system may store the referring url and the current url with the first merchant name in a database.


20240111815.GENERATING SYNTHETIC DATA BASED ON TIME SERIES PREDICTIONS AND PLURAL MACHINE LEARNING MODELS_simplified_abstract_(capital one services, llc)

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): G06F16/906



Abstract: aspects described herein may relate to methods, systems, and apparatuses for generating synthetic data based on time series predictions and plural machine learning models. generating the synthetic data may include receiving one or more data records that include transaction data of a user, categorizing and/or segmenting the one or more data records, determining a first predicted time step based on the categorizing and/or segmenting, and performing an iterative process that determines further predicted time steps. the first predicted time step may be determined using one model of a plurality of machine learning models. the iterative process may determine the further predicted time steps using the plural machine learning models. based on iterations of the iterative process, potential time series may be determined. the synthetic time series may be determined from the potential time series. the synthetic time series may be used by additional processes, such as additional machine-learning processes.


20240111890.SYSTEMS AND METHODS FOR SANITIZING SENSITIVE DATA AND PREVENTING DATA LEAKAGE FROM MOBILE DEVICES_simplified_abstract_(capital one services, llc)

Inventor(s): Giorgio NATILI of Fox Island WA (US) for capital one services, llc, Sudheendra Kumar KAANUGOVI of Aldie VA (US) for capital one services, llc

IPC Code(s): G06F21/62, G06N5/02



Abstract: methods and systems are described herein for leveraging artificial intelligence to sanitize sensitive data and prevent the data from leaving the mobile device and/or be exposed to unauthorized third parties. more specifically, methods and systems are described for a novel and unconventional architecture for a data sanitization application, a novel and unconventional delivery format for the data sanitization model, and a novel and unconventional output format of the data sanitization model.


20240111891.SYSTEMS AND METHODS FOR SANITIZING SENSITIVE DATA AND PREVENTING DATA LEAKAGE USING ON-DEMAND ARTIFICIAL INTELLIGENCE MODELS_simplified_abstract_(capital one services, llc)

Inventor(s): Giorgio NATILI of Fox Island WA (US) for capital one services, llc, Sudheendra Kumar KAANUGOVI of Aldie VA (US) for capital one services, llc

IPC Code(s): G06F21/62



Abstract: methods and systems are described herein for leveraging artificial intelligence to sanitize sensitive data and prevent the data from leaving the mobile device and/or be exposed to unauthorized third parties. more specifically, methods and systems are described for a novel and unconventional architecture for a data sanitization application, a novel and unconventional delivery format for the data sanitization model, and a novel and unconventional output format of the data sanitization model.


20240111892.SYSTEMS AND METHODS FOR FACILITATING ON-DEMAND ARTIFICIAL INTELLIGENCE MODELS FOR SANITIZING SENSITIVE DATA_simplified_abstract_(capital one services, llc)

Inventor(s): Giorgio NATILI of Fox Island WA (US) for capital one services, llc, Sudheendra Kumar KAANUGOVI of Aldie VA (US) for capital one services, llc

IPC Code(s): G06F21/62



Abstract: methods and systems are described herein for leveraging artificial intelligence to sanitize sensitive data and prevent the data from leaving the mobile device and/or be exposed to unauthorized third parties. more specifically, methods and systems are described for a novel and unconventional architecture for a data sanitization application, a novel and unconventional delivery format for the data sanitization model, and a novel and unconventional output format of the data sanitization model.


[[20240111920.COMPUTER-BASED SYSTEMS AND/OR COMPUTING DEVICES CONFIGURED FOR ORCHESTRATION OF ANONYMOUS BACKEND COMMUNICATIONS BETWEEN DEVICES AND MAINTAINING/UPDATING SIMULATION STATES AND METHODS OF USE THEREOF_simplified_abstract_(capital one services, llc)]]

Inventor(s): Eric Loucks of Broomfield CO (US) for capital one services, llc, Cruz Vargas of Ocean Springs MS (US) for capital one services, llc, Bryant Yee of Silver Spring MD (US) for capital one services, llc

IPC Code(s): G06F30/20, G06F9/54



Abstract: a method includes determining a first state of a simulation being run by a system and sending first data indicative of the first state of the simulation to a first computing device. the method further includes receiving, after the first data is sent, second data from the first computing device. the second data includes at least one first instruction configured to cause a first move associated with the simulation and is formatted according to a specification. the method further includes determining a second state of the simulation based on the second data received from the first computing device and sending third data indicative of the second state of the simulation to a second computing device. the method further includes receiving, after sending the third data, fourth data from the second computing device. the fourth data includes at least one second instruction configured to cause a second move.


20240111961.SYSTEM AND METHOD FOR INCORPORATING RISK RELATED TOPICS INTO CHATBOT FUNCTIONALITY_simplified_abstract_(capital one services, llc)

Inventor(s): Jennifer KWOK of Brooklyn NY (US) for capital one services, llc, Casey HAN of New York NY (US) for capital one services, llc, Daniel E. MILLER of Brooklyn NY (US) for capital one services, llc, Dan LIN of Arlington VA (US) for capital one services, llc, Esther Uhri CHO of Hoboken NJ (US) for capital one services, llc, Alexander MIRELES of Clifton VA (US) for capital one services, llc, Phoebe ATKINS of Midlothian VA (US) for capital one services, llc

IPC Code(s): G06F40/35, G06F3/0481, G06F3/04842, G06Q10/0635



Abstract: a system and method employs a chatbot into which a user can input an inquiry/question regarding a risk related topic is disclosed. the user can obtain an answer to the inquiry. the system and method can receive, via a chatbot interface, an inquiry. an intent of the inquiry can be determined using a natural language processing (nlp) model. the inquiry can be matched, using a classifier, to a related data set based on the determined intent. an output can be generated based on the related data set in response to the inquiry. the output can be transmitted for display on the chatbot interface.


20240111989.SYSTEMS AND METHODS FOR PREDICTING CHANGE POINTS_simplified_abstract_(capital one services, llc)

Inventor(s): Aamer CHARANIA of Flower Mound TX (US) for capital one services, llc, Abhisek JANA of Herndon VA (US) for capital one services, llc, Jiankun LIU of Flower Mound TX (US) for capital one services, llc, Behrouz Saghafi KHADEM of Frisco TX (US) for capital one services, llc

IPC Code(s): G06N3/04, G06F16/901, G06N3/08



Abstract: systems and methods for predicting change points in tabular data. in some aspects, the systems and methods provide for generating time-stamped graphs based on data entries and corresponding time stamps. each graph of the time-stamped graphs corresponds to a data entry and is representative of one or more events associated with a time stamp corresponding to the data entry. the graph is independent of any events before or after the time stamp. for each graph of the time-stamped graphs, a set of graph embeddings is generated based on the graph and processed using a machine learning model to predict an occurrence of a change point in the data entries.


20240112010.IDENTIFYING PERFORMANCE DEGRADATION IN MACHINE LEARNING MODELS BASED ON COMPARISON OF ACTUAL AND PREDICTED RESULTS_simplified_abstract_(capital one services, llc)

Inventor(s): Gaurav JAIN of Plano TX (US) for capital one services, llc, Phanindra RAO of Celina TX (US) for capital one services, llc, Chun-Hsiung LU of McLean VA (US) for capital one services, llc

IPC Code(s): G06N3/08



Abstract: methods and systems are described herein for identifying performance degradation in machine learning models based on comparisons of actual and predicted results. the system may receive predicted and actual results datasets for features within a system with the predicted results being generated by a machine learning model corresponding to the feature. the system may access a hierarchy associated with the features and select a level of the hierarchy having a subset of features. the subset of features may be associated with a target feature. impact values may then be generated for the subset, where the impact values indicate contributions of the corresponding features to a difference, in the target feature, between predicted and actual results. the system may select a new target feature, from the subset, associated with a highest impact value and may retrain a machine learning model associated with the new target feature.


20240112017.SYSTEMS AND METHODS FOR ADJUSTING DATA PROCESSING COMPONENTS FOR NON-OPERATIONAL TARGETS_simplified_abstract_(capital one services, llc)

Inventor(s): Aamer CHARANIA of Flower Mound TX (US) for capital one services, llc, Abhisek JANA of Herndon VA (US) for capital one services, llc, Jiankun LIU of Flower Mound TX (US) for capital one services, llc, Behrouz SAGHAFI KHADEM of Frisco TX (US) for capital one services, llc

IPC Code(s): G06N3/08, G06K9/62, G06N3/04, G06N3/063, G06N20/20



Abstract: systems and methods for adjusting data processing components. in some aspects, the systems and methods include training a first machine learning model using a similarity graph generated based on training entries to predict whether a target system related to a node in the similarity graph will be non-operational within a future period of time, processing using the trained first machine learning model an updated similarity graph generated based on training and inference entries to predict for each node for the inference entries whether a target system related to the node will be non-operational within the future period of time, processing using a second machine learning model predictions and associated inference entries to predict that a target system related to a node for an entry will be non-operational within the future period of time, and adjusting data processing components related to the target system.


20240112052.SYSTEMS AND METHODS FOR COUNTERFACTUALS IN MACHINE LEARNING APPLICATIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Brian BARR of Schenectady NY (US) for capital one services, llc, Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Christopher Bayan BRUSS of Washington DC (US) for capital one services, llc

IPC Code(s): G06N5/04, G06N20/00



Abstract: in some aspects, a computing system may aggregating multiple counterfactual samples so that machine learning explanations can be generated for sub-populations. in addition, methods and systems described herein use machine learning and counterfactual samples to determine text to use in an explanation for a model's prediction. a computing system may also train machine learning models to not only determine whether a request to perform an action should be accepted, but also to generate output that is consistent with output generated by previous machine learning models. further, a computing system may generate counterfactual samples based on user preferences. a computing system may obtain preferences and then apply a penalty or adjustment parameter such that when a counterfactual sample is created, the computing system is forced to change one or more features indicated by the preferences to create the counterfactual sample.


20240112072.GENERATING COUNTERFACTUAL SAMPLES BASED ON USER PREFERENCE_simplified_abstract_(capital one services, llc)

Inventor(s): Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Christopher Bayan BRUSS of Washington DC (US) for capital one services, llc, Brian BARR of Schenectady NY (US) for capital one services, llc

IPC Code(s): G06N20/00



Abstract: in some aspects, a computing system may aggregating multiple counterfactual samples so that machine learning explanations can be generated for sub-populations. in addition, methods and systems described herein use machine learning and counterfactual samples to determine text to use in an explanation for a model's prediction. a computing system may also train machine learning models to not only determine whether a request to perform an action should be accepted, but also to generate output that is consistent with output generated by previous machine learning models. further, a computing system may generate counterfactual samples based on user preferences. a computing system may obtain preferences and then apply a penalty or adjustment parameter such that when a counterfactual sample is created, the computing system is forced to change one or more features indicated by the preferences to create the counterfactual sample.


20240112075.SYSTEMS AND METHODS FOR PREDICTING DIFFERENTIATING FEATURES_simplified_abstract_(capital one services, llc)

Inventor(s): Aamer Charania of Flower Mound TX (US) for capital one services, llc, Abhisek Jana of Herndon VA (US) for capital one services, llc, Jiankun Liu of Flower Mound TX (US) for capital one services, llc, Behrouz Saghafi Khadem of Frisco TX (US) for capital one services, llc

IPC Code(s): G06N20/00, G06K9/62



Abstract: systems and methods for predicting differentiating features from tabular data for two different populations. in some aspects, the systems and methods provide for receiving first data entries and second data entries and generating a first graph based on a data entry from the first data entries and a second graph based on a data entry from the second data entries. a first node in the first graph is determined to correspond to a second node in the second graph. a first set of graph embeddings is generated based on the first graph. a second set of graph embeddings is generated based on the second graph. using a machine learning model, the first set of graph embeddings and the second set of graph embeddings are processed to identify at least one feature indicative of a difference between the first data entries and the second data entries.


20240112092.COUNTERFACTUAL SAMPLES FOR MAINTAINING CONSISTENCY BETWEEN MACHINE LEARNING MODELS_simplified_abstract_(capital one services, llc)

Inventor(s): Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Christopher Bayan BRUSS of Washington DC (US) for capital one services, llc, Brian BARR of Schenectady NY (US) for capital one services, llc

IPC Code(s): G06N20/20, G06N5/04



Abstract: in some aspects, a computing system may aggregating multiple counterfactual samples so that machine learning explanations can be generated for sub-populations. in addition, methods and systems described herein use machine learning and counterfactual samples to determine text to use in an explanation for a model's prediction. a computing system may also train machine learning models to not only determine whether a request to perform an action should be accepted, but also to generate output that is consistent with output generated by previous machine learning models. further, a computing system may generate counterfactual samples based on user preferences. a computing system may obtain preferences and then apply a penalty or adjustment parameter such that when a counterfactual sample is created, the computing system is forced to change one or more features indicated by the preferences to create the counterfactual sample.


20240112154.PAYMENT DELEGATION AND LINKING SYSTEM_simplified_abstract_(capital one services, llc)

Inventor(s): Eric Burnam of Midlothian VA (US) for capital one services, llc, Bhavik Gudka of Elk Grove Village IL (US) for capital one services, llc

IPC Code(s): G06Q20/06, G06Q20/38, G06Q20/40



Abstract: methods, systems, devices, and computer-readable media for a payment delegation and linking system are provided. the system may generate a delegation request to send to an individual for payment of a portion of a value of a transaction. the delegation request may be sent to the individual with a payment url embedded with a token. upon initiation of payment in response to the delegation request, the token may be embedded in an unused field of a payment transaction record generated at the individual's device and may be transmitted from the individual's device to a payment processing system for processing and settlement. the payment transaction record may ultimately be received at the requestor's bank with the token intact. the token may be used to link the received payment transaction with the original delegated transaction. the original delegated transaction and the received payment transaction may be displayed together in a transaction summary.


20240112166.OFFLOADING A SIGNING OPERATION ON A USER DEVICE_simplified_abstract_(capital one services, llc)

Inventor(s): Jonatan YUCRA RODRIGUEZ of Allentown PA (US) for capital one services, llc, Sahil VERMA of San Francisco CA (US) for capital one services, llc, Jonathan GUAN of Cupertino CA (US) for capital one services, llc, Jennifer CHU of Morgan Hill CA (US) for capital one services, llc

IPC Code(s): G06Q20/20, G06Q20/38



Abstract: in some implementations, a terminal device may obtain exchange information associated with an exchange initiated at the terminal device. the exchange information may identify a medium used in the exchange. the terminal device may be configured to present a terminal-side user interface for performing a signing operation of the exchange. the terminal device may selectively obtain user information associated with the medium used in the exchange. the user information may identify a user device associated with the medium. the terminal device may transmit, to the user device and based on obtaining the user information, presentation information that identifies content for a user-side user interface for performing the signing operation at the user device. the terminal device may receive, from the user device, signing information associated with a performance of the signing operation at the user device via the user-side user interface.


20240112178.UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE_simplified_abstract_(capital one services, llc)

Inventor(s): James ZARAKAS of Centreville VA (US) for capital one services, llc, Molly JOHNSON of Alexandria VA (US) for capital one services, llc, Robert PERRY of Ashburn VA (US) for capital one services, llc, Adam KOEPPEL of Washington DC (US) for capital one services, llc, Tyler LOCKE of Washington DC (US) for capital one services, llc

IPC Code(s): G06Q20/36, G06F3/01, G06F21/35, G06Q20/10, G06Q20/32, G06Q20/34, G06Q40/02, G07F7/08, H04L9/08, H04L9/40



Abstract: a transaction card includes a near-field communication (nfc) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. the device receives a signal from a user device attempting to access a secure application, and energizes the nfc component based on the signal received from the user device. the device causes the security component to generate an encrypted code based on the nfc component being energized, and provides, via the security component, the encrypted code to the wireless component. the device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.


20240112191.WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE_simplified_abstract_(capital one services, llc)

Inventor(s): Gregory GANNON of Montpelier VA (US) for capital one services, llc

IPC Code(s): G06Q20/40, G06K7/08, G06K7/10, G06K19/08, G06Q20/20, G06Q20/22, G06Q20/32, G06Q20/34, G07C9/25



Abstract: a non-transitory computer-readable medium stores instructions causing a processor to generate a menu displaying representations of a plurality of cards, the cards having associated card data; receive, from a user input device, a selection corresponding to a selected one of the cards; update the menu to display a representation of the selection; and authorize transmission of the card data associated with the selected card to complete a transaction.


20240112194.CROWDSOURCED ANNOTATION AND TAGGING SYSTEM FOR DIGITAL TRANSACTIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Bryant Yee of Washington DC (US) for capital one services, llc, Mykhaylo Bulgakov of Arlington VA (US) for capital one services, llc, George Leon Bergeron, IV of Falls Church VA (US) for capital one services, llc

IPC Code(s): G06Q20/42, G06F40/169, G06Q20/04



Abstract: a system for crowdsourcing annotations for transactions includes a crowdsourcing annotation database and a processor. the database stores crowdsourced annotations associated with merchants. the crowdsourced annotations are shared among, and contributed by, users of a community. the processor receives transaction data for a transaction by a user with a merchant. relevant crowdsourced annotations associated with the merchant are retrieved from the database and sent to the user to enable to the user to annotate the transaction. the user provides an annotation for the transaction. the system dynamically updates the database based on the annotation provided by the user.


20240112229.FACILITATING RESPONDING TO MULTIPLE PRODUCT OR SERVICE REVIEWS ASSOCIATED WITH MULTIPLE SOURCES_simplified_abstract_(capital one services, llc)

Inventor(s): Jerry WAGNER of Chesterfield VA (US) for capital one services, llc, Mario MUNOZ of Richmond VA (US) for capital one services, llc

IPC Code(s): G06Q30/0282, G06F9/54, G06N20/00



Abstract: a monitoring platform may obtain information that identifies a product or service and may collect one or more reviews associated with the product or service from a plurality of sources, wherein each review includes respective review information. the monitoring platform may process the one or more reviews to determine respective additional review information associated with each review of the one or more reviews. the monitoring platform may select, using a machine learning model, a particular review, of the one or more reviews, based on the review information and the additional review information associated with the one or more reviews. the monitoring platform may cause display, on a display of a client device, of a prompt for a response to the particular review and may obtain the response from the client device. the monitoring platform may cause the response to be posted to a source associated with the particular review.


20240112254.SYSTEMS AND METHODS OF SHARING AN AUGMENTED ENVIRONMENT WITH A COMPANION_simplified_abstract_(capital one services, llc)

Inventor(s): Karen Nickerson of Chicago IL (US) for capital one services, llc, Justin Wishne of Chicago IL (US) for capital one services, llc, Drew Jacobs of Arlington VA (US) for capital one services, llc, Justin Smith of Chicago IL (US) for capital one services, llc, Marco S. Giampaolo of Berwyn IL (US) for capital one services, llc, Hannes Jouhikainen of Arlington VA (US) for capital one services, llc

IPC Code(s): G06Q30/0601, G06F3/14, G06F3/147, G06F3/16, G06T11/00



Abstract: a system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. the system may receive environmental data, and augment the environmental data by adding virtual environmental data. the system may then provide this virtual environment to two or more devices. the system can then receive user input, and modify the virtual environment in response to those inputs.


20240112257.SYSTEMS AND METHODS FOR DATA MONITORING_simplified_abstract_(capital one services, llc)

Inventor(s): Nimit Sharma of Brambleton VA (US) for capital one services, llc, Olivia Lewis Broeker of Arlington Heights IL (US) for capital one services, llc, Sripriya Tenepalli of Falls Church VA (US) for capital one services, llc, Bonnie Vig of San Francisco CA (US) for capital one services, llc, Alex Wu of Diamond Bar CA (US) for capital one services, llc

IPC Code(s): G06Q40/02, G06F3/0481



Abstract: disclosed embodiments may include a system for data monitoring. the system may receive data associated with a user. the system may determine a rating corresponding to the user based on the received data. the system may dynamically generate a score by aggregating the rating and a respective second rating of additional user(s). the system may determine whether the score satisfies a first threshold. responsive to determining the score satisfies the first threshold, the system may cause a user device to display, via a gui, the score in a first format. responsive to determining the score does not satisfy the first threshold, the system may determine whether the score satisfies a second threshold. responsive to determining the score satisfies the second threshold, the system may generate a first modified gui comprising the score in a second format, and may cause the user device to display the first modified gui.


20240112316.SYSTEMS AND METHODS FOR IMAGE DATA PROCESSING TO CORRECT DOCUMENT DEFORMATIONS USING MACHINE LEARNING SYSTEM_simplified_abstract_(capital one services, llc)

Inventor(s): Reza FARIVAR of Champaign IL (US) for capital one services, llc, Kenneth TAYLOR of Champaign IL (US) for capital one services, llc

IPC Code(s): G06T5/00, G06F18/213, G06F18/214, G06N3/08, G06N20/00, G06T7/13, G06T7/194, G06V10/82, G06V20/64, G06V30/148, G06V30/19, G06V30/40, G06V30/412, G06V30/414



Abstract: systems and methods for processing image data representing a document to remove deformations contained in the document are disclosed. a system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions. the instructions may instruct the system to provide, to a machine learning system, a training dataset representing a plurality of documents containing a plurality of training deformations. the instructions may also instruct the system to use the machine learning system to process image data representing a target document containing a target document deformation. the machine learning system may generate restored image data representing the target document with the target document deformation removed. the instructions may further instruct the system to provide the restored image data to at least one of a graphical user interface, an image storage device, or a computer vision system.


20240112458.RESTRICTIVE ENDORSEMENT DETECTION AND MERGER DURING UPLOAD PROCESS_simplified_abstract_(capital one services, llc)

Inventor(s): Karin GONZALEZ of Springfield VA (US) for capital one services, llc, Keegan FRANKLIN of Tucson AZ (US) for capital one services, llc

IPC Code(s): G06V10/94, G06V10/26, G06V30/226, G06V30/262



Abstract: systems for performing endorsement-based techniques on document during a document upload process are disclosed. during the document upload process, a document upload application may determine whether an endorsement is required on the document to be uploaded, the type of endorsement that is required, and whether the required endorsement is present on the document. upon determining that an endorsement is required but is missing from the document, document upload application may retrieve and merge the required endorsement with the document as part of the document upload process.


20240112488.Image Analysis to Mine Document Information_simplified_abstract_(capital one services, llc)

Inventor(s): Jennifer Chu of San Francisco CA (US) for capital one services, llc, Jonatan Yucra Rodriguez of San Francisco CA (US) for capital one services, llc, Alexander Golovanov of Lafayette CA (US) for capital one services, llc

IPC Code(s): G06V30/413, G06F18/21, G06F40/20, G06N20/00, G06Q30/04, G06V10/40, G06V30/412



Abstract: the present disclosure describes image analysis techniques that identify the source of a document. once the source of the document is determined, the image analysis may locate one or more anchor fields in the document. the anchor fields may identify one or more additional fields that contain time-sensitive data and/or information. the image analysis performed herein may identify the time-sensitive data and/or information and process the data and/or information to schedule due dates and reminders.


20240113881.AUTHORIZED USERS AND EXPERIENCES AUTHENTICATED/MANAGED BY NON-FUNGIBLE TOKEN (NFT) OWNERSHIP_simplified_abstract_(capital one services, llc)

Inventor(s): Imren JOHAR of Clifton VA (US) for capital one services, llc, Dennis Sean BRENNAN of Pleasanton CA (US) for capital one services, llc, Kevin OSBORN of Newton Highlands MA (US) for capital one services, llc

IPC Code(s): H04L9/32, H04L9/08



Abstract: methods and systems are described herein for authorizing limited user access to resources of other users using nfts. a resource access system may be used to authorize access. the system may receive a first request for performing an action using a resource associated with a first user, and in response to the first request, obtain an encrypted payload from a blockchain node of a blockchain. the system may transmit a command to the second device to decrypt the encrypted payload using the second cryptography-based storage application and receive the access token and the one or more access parameters from the second device. in response to determining that metadata of the first request matches the one or more access parameters of the access token, the system may transmit a request to perform the action.


20240113882.SYSTEMS AND METHODS FOR EXECUTING SEQUENTIAL SUBOPERATIONS OVER MULTIPLE COMMUNICATION NETWORKS_simplified_abstract_(capital one services, llc)

Inventor(s): Lawrence DOUGLAS of McLean VA (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Jackson MACOMBER of Henrico VA (US) for capital one services, llc

IPC Code(s): H04L9/32



Abstract: systems and methods for executing sequential suboperations over multiple communication networks. in some aspects, the system receives, via a first communication network, from an external system, an operation related to an aggregated virtual container. the system generates sequential suboperations including a first suboperation associated with a provider of the aggregated virtual container and the external system and a second suboperation associated with the user and the provider of the aggregated virtual container. if the first suboperation is executed successfully, the system transmits the second suboperation to a user system associated with the aggregated virtual container. if the second suboperation is executed successfully, the system generates a first message indicating that the operation has been executed and transmits the first message via the first communication network to the external system.


20240113900.SYSTEMS AND METHODS FOR FACILITATING CRYPTOGRAPHICALLY BACKED COORDINATION OF COMPLEX COMPUTER COMMUNICATIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Imren JOHAR of Clifton VA (US) for capital one services, llc

IPC Code(s): H04L9/00, H04L9/08, H04L9/14



Abstract: methods and systems for uses and/or improvements to blockchain technology. in particular, the methods and systems described herein implement a novel cryptographic resource standard that provides functionality for complex communications. the novel cryptographic resource standard allows for blockchain functions that may involve single cryptographic resource transfers or batch cryptographic resource transfers as well as on-chain batching of one or more cryptographic resources.


20240113901.SYSTEMS AND METHODS FOR FACILITATING CRYPTOGRAPHICALLY BACKED COORDINATION OF COMPLEX COMPUTER COMMUNICATIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Imren JOHAR of Clifton VA (US) for capital one services, llc

IPC Code(s): H04L9/00, H04L9/08



Abstract: methods and systems for uses and/or improvements to blockchain technology. in particular, the methods and systems described herein implement a novel cryptographic resource standard that provides functionality for complex communications. the novel cryptographic resource standard allows for blockchain functions that may involve single cryptographic resource transfers or batch cryptographic resource transfers as well as on-chain batching of one or more cryptographic resources.


20240114020.SYSTEMS AND METHODS FOR EXECUTING SEQUENTIAL SUBOPERATIONS AT AN AGGREGATED VIRTUAL CONTAINER PROVIDER SYSTEM_simplified_abstract_(capital one services, llc)

Inventor(s): Lawrence DOUGLAS of McLean VA (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Jackson MACOMBER of Henrico VA (US) for capital one services, llc

IPC Code(s): H04L9/40, G06F9/455



Abstract: systems and methods for executing sequential suboperations at an aggregated virtual container provider system. in some aspects, based on an operation related to an aggregated virtual container, the system generates sequential suboperations including a first suboperation associated with a provider of the aggregated virtual container and an external system and a second suboperation associated with a user of the aggregated virtual container and the provider of the aggregated virtual container. if the first suboperation is executed successfully, the system selects a token from a plurality of tokens connected to the aggregated virtual container and transmits, to a user system associated with the selected token. if the second suboperation is executed successfully, the system generates a first message that the operation has been executed and transmits the first message to the external system.


20240114021.SYSTEMS AND METHODS FOR SUCCESSIVELY EXECUTING AN OPERATION OVER MULTIPLE COMMUNICATION NETWORKS_simplified_abstract_(capital one services, llc)

Inventor(s): Lawrence DOUGLAS of McLean VA (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Jackson MACOMBER of Henrico VA (US) for capital one services, llc

IPC Code(s): H04L9/40, G06F12/14



Abstract: systems and methods for successively executing an operation over multiple communication networks. in some aspects, the system obtains first access information received from a physical token and generates an operation related to an aggregated virtual container. the system determines a first communication network from the first access information and transmits, via the first communication network, the operation associated with the aggregated virtual container. if the operation was not transmitted successfully via the first communication network, the system obtains second access information received from the physical token, determines a second communication network from the second access information, and transmits, via the second communication network, the operation associated with the aggregated virtual container. if the operation was transmitted successfully via the second communication network, the system generates for display a notification that the operation has been executed.


20240114026.USING TOKENS FROM PUSH NOTIFICATION PROVIDERS TO ENHANCE DEVICE FINGERPRINTING_simplified_abstract_(capital one services, llc)

Inventor(s): Daniel Alan JARVIS of Vienna VA (US) for capital one services, llc, Patrick ZEARFOSS of Leesburg VA (US) for capital one services, llc, Salman HAQ of Herndon VA (US) for capital one services, llc

IPC Code(s): H04L9/40



Abstract: embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. the system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. the plurality of device attributes includes a push token provided by a push token service to the client device. the push token is uniquely paired to the client device. the system further transmits, to a device database, the plurality of device attributes for storage in a device profile. the system also transmits, to the application, a push notification based on the push token. the system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. the system can use the information to authenticate a device.


20240114032.SYSTEMS AND METHODS FOR PROVIDING ACCESS TO A SECURE DEVICE_simplified_abstract_(capital one services, llc)

Inventor(s): David Kelly Wurmfeld of Fairfax VA (US) for capital one services, llc

IPC Code(s): H04L9/40, H04W12/06



Abstract: a system may receive first level authentication data from a first user, authorize first level access to a secure device, and transmit a push notification including a second factor authentication key to a first user device responsive to first factor authentication data matching stored authentication data for the first user. the system may receive a wireless communication from the first user device attenuated by one or more beam attenuating materials to form a first attenuated beam profile. in response to a match of the first attenuated beam profile to a stored beam profile beyond a predetermined threshold, the system may associate the second factor authentication key as an authorized login credential for the first user. the system may receive the second factor authentication key from the first user and authorize the second factor authentication data to grant the first user second level access to the secure device.


20240114327.ALERT A USER OF A WEATHER CHANGE_simplified_abstract_(capital one services, llc)

Inventor(s): Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Ashley ZYWUSKO of Falls Church VA (US) for capital one services, llc, Michael MOSSOBA of Great Falls VA (US) for capital one services, llc

IPC Code(s): H04W4/90, G01W1/02, G01W1/10, H04W4/02, H04W4/021, H04W4/12



Abstract: disclosed herein are system, method, and computer program product embodiments for generating an alert to a user for a change between weather conditions. an application can be operated by a processor to perform operations include determining a first weather condition at a geographic location at a first time when a user of the device enters a structure located within the geographic location. in addition, the operations can include, based on information received from the server, predicting a second weather condition at the geographic location at a second time while the user remains in the structure. afterwards, the operations can include alerting the user for a change between the first and second weather conditions.


Capital One Services, LLC patent applications on April 4th, 2024