Capital One Services, LLC patent applications on February 27th, 2025
Patent Applications by Capital One Services, LLC on February 27th, 2025
Capital One Services, LLC: 18 patent applications
Capital One Services, LLC has applied for patents in the areas of G06Q20/40 (5), G06Q20/38 (4), G06Q20/34 (3), H04L9/40 (3), G06N3/045 (2) G06F8/73 (1), G06Q20/3829 (1), H04L63/0254 (1), H04L43/106 (1), G06Q50/20 (1)
With keywords such as: data, user, transaction, based, card, key, load, account, parameter, and generate in patent application abstracts.
Patent Applications by Capital One Services, LLC
Inventor(s): Benjamin VAN DER SMAN of Arlington VA (US) for capital one services, llc, John E. JONES, IV of Alexandria VA (US) for capital one services, llc
IPC Code(s): G06F8/73
CPC Code(s): G06F8/73
Abstract: systems and methods are described for generating code summaries using bifurcated model architectures. the bifurcated model architecture may comprise a first model that generates code summaries based on native code script, and the second model may compare, de-duplicate, and/or categorize the code summaries into clusters that perform the same or similar functions. that is, the systems and methods may comprise a first model (e.g., a large language model) to predict new content (e.g., a code summary for a given native script code). the outputs of the first model are then inputted into a natural language processing (nlp) model to compare the code summaries. for example, the first model of the bifurcated architecture performs a crucial pre-processing step that prevents the nlp model from generating cluster descriptions that are specific to semantic structures, programming languages, and/or code formatting.
Inventor(s): Samuel RAPOWITZ of Roswell GA (US) for capital one services, llc, Julian DUQUE of Arlington VA (US) for capital one services, llc, Nathan WOLFE of Silver Spring MD (US) for capital one services, llc, Jina ZHOU of Sugar Land TX (US) for capital one services, llc, Helen TEMESGHEN-BLOUNT of Washington DC (US) for capital one services, llc, Dennis LIU of Richmond VA (US) for capital one services, llc
IPC Code(s): G06F9/50
CPC Code(s): G06F9/505
Abstract: methods and systems are disclosed herein to recommend load rebalancing based on learned patterns of recurrence. in some aspects, the method receives a requested load usage from a user system and a load usage dataset. each entry in the load usage dataset corresponds to an instance of load use. the method determines similar instances based on a respective amount and respective category of each entry. the method then clusters the similar instances into a first cluster and a second cluster based on frequencies of the similar instances. the method combines load uses corresponding to the first cluster into a first recurring load use and load uses corresponding to the second cluster into a second recurring load use. the method compares the requested load usage to the second recurring load use to generate a recommendation to the user system for rebalancing load usage.
Inventor(s): Poojitha PONUGOTI of Allen TX (US) for capital one services, llc, Bharath CHEKURI of Aubrey TX (US) for capital one services, llc, Hanquan LIANG of Dallas TX (US) for capital one services, llc, Jesus GOMEZ of Phoenix AZ (US) for capital one services, llc, Julia KANG of Plano TX (US) for capital one services, llc, Nhi DANG of Carrollton TX (US) for capital one services, llc
IPC Code(s): G06F16/9538, G06F16/9532, G06F16/9537
CPC Code(s): G06F16/9538
Abstract: a computer-implemented method for transmitting electronic query data related to various types of information or resources may include detecting user input on a website or other platform indicating permission to receive electronic data, causing display a widget or other user interface element that pre-fills the user input with query criteria, and requesting additional query criteria from the user to generate a complete query. the method may also include receiving available data including corresponding location or other relevant data for each available resource, determining a subset of data including recommended resources for the user based on the query location or other parameters, the initial query criteria, and the additional query criteria, and transmitting the subset of data to a graphical user interface on the user's device or other platform.
Inventor(s): Jeremy GOODSITT of Champaign IL (US) for capital one services, llc, Michael DAVIS of Arlington VA (US) for capital one services, llc, Taylor TURNER of Richmond VA (US) for capital one services, llc, Kenny BEAN of Herndon VA (US) for capital one services, llc, Tyler FARNAN of San Diego CA (US) for capital one services, llc
IPC Code(s): G06F21/62
CPC Code(s): G06F21/6254
Abstract: systems and methods for novel uses and/or improvements to data labeling applications, particularly data labeling applications involving sensitive data. as one example, systems and methods are described herein for preventing sensitive data leakage, using weak learner libraries, during label propagation.
20250068858. LARGE LANGUAGE MODEL SUMMARIZATION_simplified_abstract_(capital one services, llc)
Inventor(s): Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Brian BARR of Schenectady NY (US) for capital one services, llc
IPC Code(s): G06F40/40, G06F40/166, G06N3/045
CPC Code(s): G06F40/40
Abstract: a method and related system operations for summarizing information includes determining a plurality of local explainability parameters for a set of inputs using a local explainability model for a prediction model. the method further includes generating a plurality of feature effect indicators for a target prediction and generating a plurality of phrases based on the plurality of feature effect indicators by using a text generation model. the method further includes generating a summarization using a large language model based on the plurality of phrases.
Inventor(s): Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Benjamin ENG of Silver Spring MD (US) for capital one services, llc, Youbing YIN of McLean VA (US) for capital one services, llc
IPC Code(s): G06N3/094, G06N3/045, G06N3/0475
CPC Code(s): G06N3/094
Abstract: methods and systems for generating synthetic training data based on abandoned web activity data are described herein. in some aspects, the system determines that a user abandoned a user activity included in web activity data for the user. the system processes, using a first machine learning model, the abandoned web activity data to generate a probability for each entry in the abandoned web activity data. each probability indicates a likelihood that the abandoned user activity would have been completed. the system generates a synthetic dataset that includes abandoned web activity with a probability above a threshold. the system uses the synthetic dataset to train a second machine learning model. the system tests the machine learning model using a testing dataset based on completed user activities.
Inventor(s): Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Brian BARR of Schenectady NY (US) for capital one services, llc
IPC Code(s): G06N5/045, G06N5/01
CPC Code(s): G06N5/045
Abstract: a method and related system perform operations to obtain data points in a feature space for a set of input records, determine explainability parameters for the data points and a prediction model using an explainability model, and determine a score associated with a candidate data point of the data points based on a first set of values and a second set of values determined with the explainability parameters. some embodiments may select the candidate data point based on a result indicating that the score satisfies a threshold and store, in a memory, an indication of a candidate record associated with the candidate data point.
Inventor(s): Michael DAVIS of Arlington VA (US) for capital one services, llc, Jeremy GOODSITT of Champaign IL (US) for capital one services, llc, Taylor TURNER of Richmond VA (US) for capital one services, llc, Kenny BEAN of Herndon VA (US) for capital one services, llc, Tyler FARNAN of San Diego CA (US) for capital one services, llc
IPC Code(s): G06N20/00
CPC Code(s): G06N20/00
Abstract: systems and methods for deploying machine learning models trained on synthetic data generated based on a predicted future data drift are described herein. in some aspects, the system analyzes data profiles that include snapshots of data from different points in time from the same data stream to predict a future data drift. the system generates synthetic data based on the previous data profiles. the system determines, based on a first and second data profile, that a first data drift exceeds a threshold and updates a machine learning model. the system determines a predicted data drift and generates a synthetic snapshot of the data stream corresponding to a time in the future. the system generates a speculative machine learning model from updating the first updated machine learning model based on the synthetic snapshot. the system deploys the speculative machine learning model to replace the first updated machine learning model.
Inventor(s): James ZARAKAS of Centreville VA (US) for capital one services, llc, Tyler LOCKE of Jersey City NJ (US) for capital one services, llc
IPC Code(s): G06Q20/36, G06Q20/02, G06Q20/20, G06Q20/34, G06Q20/38, G06Q20/40
CPC Code(s): G06Q20/3672
Abstract: in some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.
Inventor(s): Lara Mossler of Farmville VA (US) for capital one services, llc, Aravindhan Manivannan of Henrico VA (US) for capital one services, llc, Baskar Dilli of McLean VA (US) for capital one services, llc
IPC Code(s): G06Q20/38, G06Q20/34, G06Q20/40
CPC Code(s): G06Q20/3821
Abstract: a method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.
20250069075. SMART CARD SECURE ONLINE CHECKOUT_simplified_abstract_(capital one services, llc)
Inventor(s): James Zarakas of Centreville VA (US) for capital one services, llc, Mohamed Lafeer of Fairfax VA (US) for capital one services, llc, Molly Johnson of Alexandria VA (US) for capital one services, llc, Saleem Sangi of McLean VA (US) for capital one services, llc, Kevin Kelly of Austin TX (US) for capital one services, llc, Adam Koeppel of Washington DC (US) for capital one services, llc
IPC Code(s): G06Q20/38, G06F16/951, G06Q20/32, G06Q20/34, G06Q20/40, G06Q30/0601
CPC Code(s): G06Q20/3829
Abstract: wireless communication technologies, a dynamic transaction card, and a mobile application may be utilized to facilitate multi-factor authentication and secure electronic checkout of any website. a wireless connection between a dynamic transaction card and a user device may be utilized to authenticate a user. a user device application may be triggered to call, via an application programming interface (api), an account provider system, and this unique pairing may automatically facilitate payment to a merchant system associated with the electronic check out page. the account provider system may send a push notification to a browser extension associated with the checkout page to prompt the browser extension to populate fields on the electronic checkout page using user account information transmitted from the account provider system, providing a novel digital authentication framework that utilizes digital authentication techniques enables by user devices and dynamic transaction cards to seamlessly facilitate electronic checkout.
Inventor(s): Tyler LOCKE of Washington DC (US) for capital one services, llc, Kevin P. KELLY of Austin TX (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06K19/077, G06Q20/38
CPC Code(s): G06Q20/401
Abstract: a dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. the dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. the dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. the passive tag can include a unique identifier and one or more log-in credentials for the user. when making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. the unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.
20250069081. ACCOUNT SECURITY SYSTEM_simplified_abstract_(capital one services, llc)
Inventor(s): Joshua Edwards of Cherry Hill NJ (US) for capital one services, llc, Michael Mossoba of Great Falls VA (US) for capital one services, llc, Abdelkader Benkreira of Washington DC (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06F16/51, G06Q30/018, G06Q40/02, G06V20/40, G06V40/16, H04L9/40
CPC Code(s): G06Q20/40145
Abstract: in certain embodiments, image-feature malicious-activity detection and access prevention may be facilitated, where an activity notification associated with a transaction triggers feature detection for at least one image related to a different transaction. in some embodiments, a first image (received in connection with a first transaction) may be associated with the first transaction, and a second image (received in connection with a second transaction) may be associated with a second transaction. in response to a malicious activity notification associated with the first transaction, an identifying characteristic (e.g., a facial feature) detected in the first image may be used to determine whether to prevent access to an account related to the second transaction. as an example, in response to determining that the identifying characteristic is present in the second image, access to the account related to the second transaction may be prevented.
Inventor(s): Moshe Benjamin of Midlothian VA (US) for capital one services, llc
IPC Code(s): G06Q30/02, G06N5/025
CPC Code(s): G06Q30/02
Abstract: a system and method a method for providing for providing personalized transaction learning and tagging is disclosed. the method includes determining a first spend category for current transaction data, the first spend category being identified as a most likely spend category based at least in part upon comparing demographic data. the method also includes retagging at least one line item of a plurality of line items from a first spend category to a different spend category based at least in part on a request to retag the at least one line item from the first spend category to the different spend category.
Inventor(s): Ignacio ESPINO of Arlington VA (US) for capital one services, llc, Mathew VERGHESE of Great Falls VA (US) for capital one services, llc, Jonathan JURADO of Baltimore MD (US) for capital one services, llc
IPC Code(s): G06Q50/20, G06Q30/0204
CPC Code(s): G06Q50/20
Abstract: in some implementations, an education system may receive demographic information and account information associated with a user. the education system may generate a risk profile based on the demographic information and the account information. the education system may map the risk profile to at least one threat, out of a plurality of possible threats indicated in a data structure, likely to be targeted to the user. the education system may transmit, to a user device, an educational message that is associated with the at least one threat and that is indicated in the data structure.
Inventor(s): Parag JAIN of Falls Church VA (US) for capital one services, llc, Sheldon MARSHALL of Vienna VA (US) for capital one services, llc, Rishab MITRA of New York NY (US) for capital one services, llc, Rakesh GUPTA of Gainesville VA (US) for capital one services, llc, Bharath MOGALI of Centreville VA (US) for capital one services, llc, Anirudha SIMHA of Ashburn VA (US) for capital one services, llc, Dean FOSTER of Rockville MD (US) for capital one services, llc, Brett LATOUR of () for capital one services, llc, Shashwat RASTOGI of Ashburn VA (US) for capital one services, llc
IPC Code(s): H04L43/106, H04L43/16
CPC Code(s): H04L43/106
Abstract: some implementations described herein relate to a system for generating identifiers. the system receives, from a device, a request to generate a plurality of identifiers. the system determines, based on receiving the request and by performing a parameter locking operation, a compute region parameter associated and a timestamp parameter. the system generates, based on the compute region parameter and the timestamp parameter, a set of one or more identifiers of the plurality of identifiers. respective portions of each identifier, of the set of one or more identifiers, may indicate the compute region parameter, a version parameter associated with the parameter locking operation, the timestamp parameter, a counter value parameter, and an action parameter. the system processes, using a scrambling technique, the set of one or more identifiers and provides the set of one or more identifiers to the device.
Inventor(s): Lawrence DOUGLAS of McLean VA (US) for capital one services, llc, Kevin KEENAN of McLean VA (US) for capital one services, llc
IPC Code(s): H04L9/40
CPC Code(s): H04L63/0254
Abstract: systems and methods are described for performing secure communications with rotating key communications. for example, the system may receive a first applet request to perform a first rotating key communication across one or more computer networks to access a first server host. the system may then determine a first processing characteristic for the first applet request and a first plurality of server locations of the first server host (e.g., across the one or more computer networks). the system may then determine a first plurality of connection paths to a first subset of the first plurality of server locations. the system may then filter the first plurality of connection paths to generate a first subset of the plurality of connection paths. based on the first subset of the plurality of connection paths, the system may generate a first rotating key for performing the rotating key communication.
Inventor(s): William DUANE of Westford MA (US) for capital one services, llc, Srinivasa CHIGURUPATI of Long Grove IL (US) for capital one services, llc, Kevin OSBORN of Newton Highlands MA (US) for capital one services, llc
IPC Code(s): H04L9/40
CPC Code(s): H04L63/1441
Abstract: example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. in an embodiment, each of the transmitting and receiving devices can contain a master key. the transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. in an embodiment, the transmitting device can signal an attack or potential attack through the counter value. the attack signaling can further include information relating to the attack or potential attack.
Capital One Services, LLC patent applications on February 27th, 2025
- Capital One Services, LLC
- G06F8/73
- CPC G06F8/73
- Capital one services, llc
- G06F9/50
- CPC G06F9/505
- G06F16/9538
- G06F16/9532
- G06F16/9537
- CPC G06F16/9538
- G06F21/62
- CPC G06F21/6254
- G06F40/40
- G06F40/166
- G06N3/045
- CPC G06F40/40
- G06N3/094
- G06N3/0475
- CPC G06N3/094
- G06N5/045
- G06N5/01
- CPC G06N5/045
- G06N20/00
- CPC G06N20/00
- G06Q20/36
- G06Q20/02
- G06Q20/20
- G06Q20/34
- G06Q20/38
- G06Q20/40
- CPC G06Q20/3672
- CPC G06Q20/3821
- G06F16/951
- G06Q20/32
- G06Q30/0601
- CPC G06Q20/3829
- G06K19/077
- CPC G06Q20/401
- G06F16/51
- G06Q30/018
- G06Q40/02
- G06V20/40
- G06V40/16
- H04L9/40
- CPC G06Q20/40145
- G06Q30/02
- G06N5/025
- CPC G06Q30/02
- G06Q50/20
- G06Q30/0204
- CPC G06Q50/20
- H04L43/106
- H04L43/16
- CPC H04L43/106
- CPC H04L63/0254
- CPC H04L63/1441
