Capital One Services, LLC patent applications on July 11th, 2024

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Patent Applications by Capital One Services, LLC on July 11th, 2024

Capital One Services, LLC: 54 patent applications

Capital One Services, LLC has applied for patents in the areas of G06Q20/40 (11), G06F21/62 (7), G06Q20/38 (7), G06N20/00 (6), H04L9/40 (6) G06N20/00 (2), G06Q20/4016 (2), G06Q40/025 (2), G06F21/6227 (2), G06F3/0643 (1)

With keywords such as: data, user, based, device, account, application, transaction, card, information, and request in patent application abstracts.



Patent Applications by Capital One Services, LLC

20240231664. REFRESH OF STALE REFERENCE TO PHYSICAL FILE LOCATIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Nishit GHOSH of Aurora IL (US) for capital one services, llc

IPC Code(s): G06F3/06

CPC Code(s): G06F3/0643



Abstract: in some implementations, a server device may identify a first file location for storing data associated with an application and a reference to a file path for the first file location. the server device may store a data stream associated with the application to the first file location using the reference. the server device may periodically execute first instructions associated with checking whether a valid physical file exists in the first file location by opening a connection via the file path, wherein the first instructions are executed independently of second instructions associated with storing the data stream. the server device may selectively cause the data stream to be stored in the first file location or a second file location based on determining whether the valid physical file exists in the first file location.


20240231738. CONTENT SHARING WITH SPATIAL-REGION SPECIFIC CONTROLS TO FACILITATE INDIVIDUALIZED PRESENTATIONS IN A MULTI-VIEWER SESSION_simplified_abstract_(capital one services, llc)

Inventor(s): Jignesh RANGWALA 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, Vamsi KAVURI of Glen Allen VA (US) for capital one services, llc

IPC Code(s): G06F3/14, G06F3/0486, H04N7/14, H04N7/15

CPC Code(s): G06F3/1454



Abstract: in some embodiments, a shared presentation, which includes a set of spatial regions, is transmitted to user devices associated with users. then, based on a user input indicating a first spatial region of the shared presentation for a first user, first auxiliary data (e.g., auxiliary video stream of the shared presentation) that corresponds to the first spatial region is generated. moreover, based on the user input indicating the first user, a first user device associated with the first user is caused to display the first spatial region at a first time without displaying one or more other spatial regions of the set of spatial regions at the first time. as an example, the first auxiliary data is transmitted to the first user device, which causes the first user device to display the first spatial region without displaying the other spatial regions.


20240231768. SCALABLE AND CUSTOMIZABLE COMPUTATION USING A MODULARIZED CODE ARCHITECTURE_simplified_abstract_(capital one services, llc)

Inventor(s): Abhishek DUBE of Falls Church VA (US) for capital one services, llc

IPC Code(s): G06F8/35, G06Q40/02

CPC Code(s): G06F8/35



Abstract: in some implementations, a device may obtain, based on a characteristic associated with an account, a set of forecasted values from a dataset of forecasted values. the set of forecasted values may include forecasted values for a plurality of forecasting metrics for a plurality of time periods. the device may generate, for the account, feature metric values, for the plurality of time periods, for a plurality of feature metrics based on the set of forecasted values. the device may compute, for the account, at least one present or future value metric based on the feature metric values for the plurality of feature metrics.


20240231942. SYSTEMS AND METHODS FOR DEVELOPING A WEB APPLICATION USING MICRO FRONTENDS_simplified_abstract_(capital one services, llc)

Inventor(s): Jonathan Michael DARLING of Richardson TX (US) for capital one services, llc, Dustin NATION of The Colony TX (US) for capital one services, llc, Jibins JOSEPH of Prosper TX (US) for capital one services, llc

IPC Code(s): G06F9/50, G06F8/30, G06F8/36, G06F8/70

CPC Code(s): G06F9/505



Abstract: disclosed are systems and methods for developing a web-based application using micro frontends. a web application architecture system may include a plurality of web servers and a plurality of single page applications. each one of the plurality of single page applications may be hosted on a single respective one of the plurality of web servers. the web application architecture system may further include one or more shared libraries that are accessed by each of the plurality of single page applications. the one or more shared libraries may include shared interface components for each of the plurality of single page applications such that the plurality of single page applications are a part of a single web-based application. additionally, the web application architecture system may include a load balancer configured to route traffic to each of the plurality of single page applications.


20240231958. SYSTEMS AND METHODS FOR ROUTING DATA PAYLOADS THROUGH A PLURALITY OF MICROSERVICES USING MACHINE LEARNING_simplified_abstract_(capital one services, llc)

Inventor(s): Elijah MOREAU-ARNOTT of Guelph (CA) for capital one services, llc, Jonathan LEE of Richmond Hill (CA) for capital one services, llc, Garrett RANDALL of Waterloo (CA) for capital one services, llc

IPC Code(s): G06F9/54, H04L9/08

CPC Code(s): G06F9/54



Abstract: methods and systems for routing data payloads through a plurality of microservices are disclosed. the method may comprise: receiving a data payload and first data; predicting, by a trained machine learning model based on the first data, a path through a plurality of microservices associated with the data payload; generating a modified data payload by modifying, via the orchestrator service, the data payload to include: a first header, wherein the first header comprises a first microservice destination address associated with a first microservice of the plurality of microservices and a second header nested within the first header, wherein the second header comprises a second microservice destination address associated with a second microservice of the plurality of microservices; forwarding the modified data payload to the first microservice based on the first header for processing; and forwarding the modified data payload to the second microservice based on the second header for processing.


20240231977. COMPUTER-BASED SYSTEMS INVOLVING AN ENGINE AND TOOLS FOR INCIDENT PREDICTION USING MACHINE LEARNING AND METHODS OF USE THEREOF_simplified_abstract_(capital one services, llc)

Inventor(s): Suvro Choudhury of Glen Allen VA (US) for capital one services, llc, Cameron Stinson of Washington DC (US) for capital one services, llc, Kellie Meshell of McLean VA (US) for capital one services, llc, Henry Real of Arlington VA (US) for capital one services, llc, Rajarshi Kar of McLean VA (US) for capital one services, llc

IPC Code(s): G06F11/00, G06F11/07

CPC Code(s): G06F11/004



Abstract: systems and methods associated with incident prediction using machine learning techniques are disclosed. in one embodiment, an exemplary method may comprise obtaining current raw log data from at least one application log of at least one software application, converting the current raw log data into current tabular log data, applying one or more sampling techniques to the current tabular log data to form current balanced log data, the current balanced log data including incidents of failures, applying one or more machine learning techniques to the current balanced log data to generate an application failure predictive model, and predicting, based on future balanced log data, at least one future failure of the software application using the application failure predictive model.


20240232043. CLOUD INFRASTRUCTURE OPTIMIZATION_simplified_abstract_(capital one services, llc)

Inventor(s): Jonathan H. BRYANT of McLean VA (US) for capital one services, llc, Jagadesh V. GADIYARM of Richmond VA (US) for capital one services, llc, Thomas CAPUTO of Arlington VA (US) for capital one services, llc

IPC Code(s): G06F11/34, G06F8/60, G06F9/50, G06F11/36, H04L41/0823

CPC Code(s): G06F11/3457



Abstract: a processor may receive at least one test application corresponding to an application profile. the processor may simulate the at least one test application in a non-production environment for a plurality of infrastructure configurations to generate a plurality of test performance results. the processor may evaluate the plurality of test performance results to identify an optimal infrastructure configuration from among the plurality of infrastructure configurations for the application profile. the processor may apply the optimal infrastructure configuration to an application corresponding to the application profile that is deployed in a production environment.


20240232151. SERVICE CHAIN FOR COMPLEX CONFIGURATION-DRIVEN DATA QUALITY RATIONALIZATION AND DATA CONTROL_simplified_abstract_(capital one services, llc)

Inventor(s): Lance Creath of Chicago IL (US) for capital one services, llc, Jason Kabel of Palmyra VA (US) for capital one services, llc, Ming Yuan of Buffalo Grove IL (US) for capital one services, llc

IPC Code(s): G06F16/215

CPC Code(s): G06F16/215



Abstract: techniques for data quality analysis may include the determination of data quality metrics using reconfigurable quality components. access to the data may be based on the determined quality metrics. the configurable quality components may determine quality metrics for corresponding datasets. the quality components may be configured automatically based on quality configurations. the configuration of the quality components may be facilitated using a data orchestrator.


20240232185. SYSTEM AND METHOD FOR ANALYZING UNSTRUCTURED VEHICLE LISTING DATA_simplified_abstract_(capital one services, llc)

Inventor(s): Elizabeth FURLAN of Bellevue WA (US) for capital one services, llc, Chih-Hsiang CHOW of Coppell TX (US) for capital one services, llc, Steven DANG of Plano TX (US) for capital one services, llc

IPC Code(s): G06Q40/02, G06F16/242, G06Q30/06

CPC Code(s): G06Q40/025



Abstract: a system and method that facilitates a private transaction is disclosed. the system can retrieve textual information of a webpage containing vehicle sale related information for a vehicle listed for sale by an individual. using a natural language processing (nlp) model, the textual information may be analyzed to extract vehicle sale related information for the vehicle. the system can compare the vehicle sale related information to known parameters for the vehicle to verify the authenticity of the vehicle sale related information. based on verifying the authenticity of the vehicle sale related information, the system can determine whether to approve financing for the vehicle. based on determining to approve financing for the vehicle, financing terms may be generated for the vehicle. the financing terms may be transmitted to client devices.


20240232243. METHODS AND ARRANGEMENTS FOR SIMILARITY SEARCH BASED ON MULTI-LABEL TEXT CLASSIFICATION_simplified_abstract_(capital one services, llc)

Inventor(s): Brian NGUYEN of Chantilly VA (US) for capital one services, llc, Paul CHO of Boston MA (US) for capital one services, llc, Ankur ANKUR of Arlington VA (US) for capital one services, llc

IPC Code(s): G06F16/35, G06F16/33

CPC Code(s): G06F16/35



Abstract: logic may provide a hierarchical label structure for a document with a predicted set of hierarchical labels. logic may provide a historical label performance database comprising performance data associated with each assignee in a complete set of assignees for each label in a complete set of the hierarchical labels. logic may generate a first vector for the hierarchical label structure for the document. logic may generate a second vector for the assignees in an identified set of assignees, comprising each hierarchical label in the predicted set of hierarchical labels for the document, the identified set comprising one or more of the assignees in the complete set of assignees. logic may perform a similarity search to identify a predicted assignee from the identified set of assignees and logic may predict a selected assignee of the identified set of assignees to associate with the document via the similarity search.


20240232267. METHOD, APPARATUS AND COMPUTER READABLE MEDIA FOR PRESERVATION OF CLOUD OBJECT METADATA OUTSIDE OF CLOUD ENVIRONMENT_simplified_abstract_(capital one services, llc)

Inventor(s): Paul Warner of Reston VA (US) for capital one services, llc, Sam Walczak of Columbia MD (US) for capital one services, llc, Joel Sop of Arlington VA (US) for capital one services, llc, Julia Pennington of Austin TX (US) for capital one services, llc, Collin Berman of Snoqualmie WA (US) for capital one services, llc, Nikhil Srikanth of Richmond VA (US) for capital one services, llc

IPC Code(s): G06F16/93, G06F16/906

CPC Code(s): G06F16/93



Abstract: methods, computer readable media, and apparatuses are provided herein for preserving custom metadata associated with an object (e.g., document) stored on a cloud data storage platform. an illustrative method may comprise receiving audit logs generated by the cloud data storage platform, and determining that the audit logs indicate a document exit event occurred from the cloud data storage platform. further, the method may comprise storing in a cache memory, a document identifier associated with the document exit event, obtaining, based on the audit logs, custom metadata related to a document associated with the document exit event, and storing the custom metadata in association with the document identifier.


20240232327. COMPUTER-BASED PLATFORMS AND SYSTEMS CONFIGURED TO ENHANCE A CALL SCREEN WITH USER-CONTROLLED NOTES ASSOCIATED WITH THE CALL AND METHODS OF USE THEREOF_simplified_abstract_(capital one services, llc)

Inventor(s): Tyler Maiman of Melville NY (US) for capital one services, llc, Lin Ni Lisa Cheng of New York NY (US) for capital one services, llc, Asher Smith-Rose of Midlothian VA (US) for capital one services, llc, Shabnam Kousha of Washington DC (US) for capital one services, llc, Joshua Edwards of Philadelphia PA (US) for capital one services, llc

IPC Code(s): G06F21/51, G06F11/34, G06F21/62

CPC Code(s): G06F21/51



Abstract: in some embodiments, the present disclosure provides an exemplary method that may include steps of obtaining a permission from the user to monitor a plurality of activities executed within the computing device; continually monitoring the plurality of activities executed within the computing device for a predetermined period of time; identifying an indication of an incoming interaction session within the predetermined period of time; verifying at least one session interaction parameter associated with the incoming interaction session to identify the incoming interaction session as a repeat interaction session; dynamically retrieving at least one relation-specific notation from a plurality of relation-specific notations to display; instructing an input gui element to display input data associated with the repeat interaction; automatically updating the plurality of relation-specific notations associated with the historical data relationship; and instructing at least one programmable output gui to display a notification identifying the update of the plurality of relation-specific notations.


20240232393. PREDICTING ACCESS REVOCATION FOR APPLICATIONS USING MACHINE LEARNING MODELS_simplified_abstract_(capital one services, llc)

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): G06F21/60

CPC Code(s): G06F21/604



Abstract: methods and systems are described herein for predicting user access revocation for applications. the system may retrieve, based on user identifiers, user access information and user association information. the system may generate a dataset comprising entries for the user identifiers, where the entries include the user access information and the user association information. the system may input the dataset into a machine learning model to obtain predictions as to whether each user identifier requires access to one or more functions of one or more applications. in some embodiments, the machine learning model is trained to predict required user access. in response to determining that a particular prediction does not include one or more particular functions included in the user access information for a respective user identifier, the system may revoke access to the one or more particular functions from the user identifier.


20240232401. SYSTEMS AND METHODS FOR DETECTING INTERCEPTION DEVICES_simplified_abstract_(capital one services, llc)

Inventor(s): Michael James KIDD of Litchfield NH (US) for capital one services, llc, Stephen YOUNG of Keswick VA (US) for capital one services, llc, Charles LAWSON of Ostrander OH (US) for capital one services, llc

IPC Code(s): G06F21/62, G06F21/31

CPC Code(s): G06F21/6209



Abstract: systems and methods for detecting interception devices. in some aspects, the system causes transmission of a first detection signal. based on receiving a first response signal, the system determines a first probability of detection of a first interception device. based on the first probability of detection, the system transmits a first command to deactivate a user authentication interface. the system may cause transmission of a second detection signal and determine a second probability of detection of a second interception device. in response to the second probability, the system may transmit a second command to reactivate the user authentication interface.


20240232406. STORING AND RETRIEVING DATA BASED ON EXPERIENCE IN CATEGORIES ASSOCIATED WITH HISTORICAL INTERACTIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Michael MOSSOBA of Great Falls VA (US) for capital one services, llc, Tyler MAIMAN of MELVILLE NY (US) for capital one services, llc

IPC Code(s): G06F21/62

CPC Code(s): G06F21/6218



Abstract: in some implementations, a system may receive interaction data corresponding to an interaction associated with a particular user of a plurality of users. the system may determine, based on the interaction data, one or more interaction categories associated with the interaction. the system may store the interaction data as historical interaction data associated with historical interactions of the particular user. the system may determine, based on the historical interaction data, experience statuses associated with the particular user in at least a subset of the plurality of categories. the system may receive, from a user device of the particular user, review data indicating a review associated with a historical interaction of the particular user. the system may store the review as historical review data. the review may be associated with one or more experience statuses of the particular user in the one or more interaction categories associated with the historical interaction.


20240232421. Data Certification Process for Cloud Database Platform_simplified_abstract_(capital one services, llc)

Inventor(s): Nagender Gurram of Glen Allen VA (US) for capital one services, llc, Yudhish Batra of Glen Allen VA (US) for capital one services, llc, Syed Shamaz Salim of North Potomac MD (US) for capital one services, llc, Praveen Kandukuri of Ashburn VA (US) for capital one services, llc

IPC Code(s): G06F21/62, G06F16/23, G06F16/242, G06F16/2455, G06F16/2457, G06F16/25

CPC Code(s): G06F21/6227



Abstract: methods, systems, and apparatuses for providing access to records of a database stored on a database server in a cloud database platform are described herein. a data sharing platform may determine a shared view definition for access to the database. the data sharing platform may determine rules that specify criteria that limit access to the records stored by the database. the one or more first rules may be received via a user interface. the data sharing platform may perform, based on the rules, a data access certification process on the records stored by the database to generate a table of certification results. the data sharing platform may generate, based on the table of certification results, and without modifying the records stored by the database, a limited consumer view definition. based on updates to the records, a new limited consumer view definition may be generated.


20240232422. De-Tokenization Patterns And Solutions_simplified_abstract_(capital one services, llc)

Inventor(s): Naveen Teja Koduru of Frisco TX (US) for capital one services, llc, Kishore Doppalapudi of Frisco TX (US) for capital one services, llc, Siva Vegesana of Frisco TX (US) for capital one services, llc

IPC Code(s): G06F21/62, G06F16/25, G06Q50/26

CPC Code(s): G06F21/6227



Abstract: methods and systems of data de-tokenization are described herein to provide solutions to utilizing tokenized data files. a de-tokenization service controller may extract instances of tokenized data by determining a schema associated with a tokenized file, wherein the schema identifies which fields contain tokenized data. a decryption system may decrypt the tokens and send decrypted sensitive values to the de-tokenization service controller. the de-tokenization service controller may then generate a de-tokenized data file comprising a plurality of records corresponding to the plurality of original tokenized records, using the decrypted sensitive values in place of the instances of tokenized data. in some embodiments, the methods may further comprise generating a validated file by adding one or more fields indicating the results of validation based on a set of validation rules. the methods may further comprise re-tokenizing the de-tokenized data file, before storing the data files again in a re-tokenized data storage.


20240232429. SENSITIVE DATA MANAGEMENT SYSTEM_simplified_abstract_(capital one services, llc)

Inventor(s): Gerardo FANG of El Paso TX (US) for capital one services, llc, Nicholas HERMANN of Rockledge FL (US) for capital one services, llc

IPC Code(s): G06F21/62, H04W12/02

CPC Code(s): G06F21/6245



Abstract: disclosed herein are various embodiments for a sensitive data management system. an embodiment operates by receiving a web form from a transaction account of a web application associated with a first user, the form indicating a request for sensitive information of a second user. a request for an authorization to release the sensitive information to the web application. the authorization from the second user to release the sensitive information to the transaction account associated with the first user is received. the web form is populated with the sensitive information of the second user responsive to receiving the authorization from the second user to release the sensitive information, and the populated form including the sensitive information of the second user is provided to the web application.


20240232556. TRANSACTION CARD WITH STORAGE FOR A PHYSICAL KEY_simplified_abstract_(capital one services, llc)

Inventor(s): Shannon YOGERST of New York NY (US) for capital one services, llc, Tyler MAIMAN of Melville NY (US) for capital one services, llc, Bryant YEE of Silver Spring MD (US) for capital one services, llc

IPC Code(s): G06K19/04

CPC Code(s): G06K19/041



Abstract: in some implementations, a transaction card includes a card body having a first surface and a second surface opposite the first surface, and the card body may be in a configuration that defines a storage area for a physical key. the transaction card may include at least one of an integrated circuit chip or a magnetic stripe accessible from at least one of the first surface or the second surface of the card body. the transaction card may include a connecting element to connect the physical key to the card body. the connecting element may be configured to enable movement of the physical key between a storage position, in which at least a portion of the physical key occupies the storage area, and a use position, in which at least a portion of the physical key is outside of the storage area.


20240232558. GENERATING BARCODES UTILIZING CRYPTOGRAPHIC TECHNIQUES_simplified_abstract_(capital one services, llc)

Inventor(s): Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Kevin OSBORN of Newton MA (US) for capital one services, llc, Srinivasa CHIGURUPATI of Long Grove IL (US) for capital one services, llc

IPC Code(s): G06K19/06, G06F21/60, G06K7/14, G06Q20/32, G06Q20/38

CPC Code(s): G06K19/06028



Abstract: various embodiments are generally directed to secure generation of barcodes using cryptographic techniques. an application may receive a request to generate a barcode. the application may receive encrypted data from a communications interface of a contactless card associated with an account. the application may receive, from a server, verification of the encrypted data and an encrypted authorization token associated with the account. the application may generate the barcode utilizing the encrypted authorization token.


20240232563. OPTIMIZING DETECTION OF IMAGES IN RELATION TO TARGETS BASED ON COLORSPACE TRANSFORMATION TECHNIQUES_simplified_abstract_(capital one services, llc)

Inventor(s): Austin Grant WALTERS of Savoy IL (US) for capital one services, llc, Jeremy Edward GOODSITT of Champaign IL (US) for capital one services, llc, Fardin ABDI TAGHI ABAD of Champaign IL (US) for capital one services, llc

IPC Code(s): G06K19/06, G06K7/14, G06T5/40, G06T7/90, G06V10/50, G06V10/56

CPC Code(s): G06K19/06037



Abstract: an article of manufacture may include a matrix barcode on a physical medium and associated with an environment. the matrix barcode may include a plurality of colors, where at least one of the plurality of colors is a least prevalent color, of a plurality of prevalent colors in the environment.


20240232695. SENSITIVE DATA DETECTION USING DOMAIN-ENHANCED ATTENTION NEURAL NETWORKS_simplified_abstract_(capital one services, llc)

Inventor(s): Rui ZHANG of New York NY (US) for capital one services, llc, Sudheendra Kumar KAANUGOVI of Aldie VA (US) for capital one services, llc, Sandeep K. GADDE of Ashburn VA (US) for capital one services, llc

IPC Code(s): G06N20/00

CPC Code(s): G06N20/00



Abstract: provided herein are systems and methods for detecting and sanitizing sensitive data using domain-enhanced attention neural networks. in some embodiments, a processor of a client retrieves training data comprising tuples. each tuple comprises a first parameter and a second parameter. for each tuple the processor matches a substring in a first parameter of the respective tuple to a keyword of a plurality of keywords, identifies a security category corresponding to the at least one keyword, and expands the first parameter of the respective tuple to comprise a respective string associated with the application event and the security category. the processor trains a model to detect and sanitize the sensitive data from the application events using the tuples, including an expanded first parameter for each tuple. the processor sanitizes the sensitive data using the trained model.


20240232699. ENHANCED DATA LABELING FOR MACHINE LEARNING TRAINING_simplified_abstract_(capital one services, llc)

Inventor(s): Purva SHANKER of Arlington VA (US) for capital one services, llc, Shannon YOGERST of New York NY (US) for capital one services, llc, Tania CRUZ MORALES of Washington DC (US) for capital one services, llc, Haytham YAGHI of Oakton VA (US) for capital one services, llc

IPC Code(s): G06N20/00

CPC Code(s): G06N20/00



Abstract: embodiments relate to enhancing data labeling for machine learning model training using context data. the context data is provided to data labelers to improve accuracy of labels assigned by the data labelers, such as those assigned for ambiguous or unclear target objects. in an example, a system determines and provides context sets for target objects at user devices. the system generates a first training dataset and a second training dataset with labels obtained in connection with a first subset and a second subset of the context sets, respectively. the system trains a first and second instance of a machine learning model on the first training dataset and the second training dataset, respectively, and determines a respective accuracy score for the model instances. if the first instance is more accurate than the second instance, the system generates subsequent context sets based on characteristics of the first subset of context sets.


20240232730. SYSTEMS AND METHODS FOR CURATING ONLINE VEHICLE RESERVATIONS TO AVOID ELECTRIC VEHICLE BATTERY DEPLETION_simplified_abstract_(capital one services, llc)

Inventor(s): Joshua Edwards of Carrollton TX (US) for capital one services, llc, Tyler Maiman of Melville NY (US) for capital one services, llc, Samuel Yip of East Brunswick NJ (US) for capital one services, llc, Bryant Yee of Silver Spring MD (US) for capital one services, llc, Haytham Yaghi of Oakton VA (US) for capital one services, llc

IPC Code(s): G06Q10/02, B60L53/66, B60L53/68, G06F40/205, G06F40/40, G06Q50/30

CPC Code(s): G06Q10/02



Abstract: disclosed embodiments may include a system for curating online vehicle reservations. the system may determine, from received vehicle data including first timing data and indicating a selected vehicle, that the selected vehicle is electric. the system may receive accommodation data including second timing data and indicating a selected accommodation. the system may determine, from comparing the first timing data to the second timing data, that the selected vehicle will likely require charging at the selected accommodation. the system may determine whether the accommodation data includes an indication of electric vehicle charging facilities. responsive to determining that the selected accommodation does not provide the indication of electric vehicle charging facilities, the system may generate a first graphical user interface warning that no charging station is available for the selected vehicle at the selected accommodation and transmit the first graphical user interface to a user device for display.


20240232815. METHOD, APPARATUS AND NON-TRANSITORY MEDIA TO PROVIDE OPTIONS BASED ON DETERMINING A USER INTENDS TO TRAVEL TO A DESTINATION_simplified_abstract_(capital one services, llc)

Inventor(s): Jennifer Kwok of New York NY (US) for capital one services, llc, Tyler Maiman of Melville NY (US) for capital one services, llc, Xiaoguang Zhu of Great Neck NY (US) for capital one services, llc

IPC Code(s): G06Q10/1093, G06N20/00, G06Q20/18

CPC Code(s): G06Q10/1095



Abstract: methods, apparatuses and non-transitory media are provided for receiving, via a data sharing communication from a map application executing on a mobile computing device, and via an application on the mobile computing device associated with a user, map application data. the map application data may include a destination. the methods, apparatus and non-transitory media may be further provided for determining, by a machine learning model and based on the received map application data, a function that the user intends to perform at the destination, the machine learning model analyzing past user interactions with an entity associated with the destination, and, based on determining the function the user intends to perform, generating a notification, in the application, of one or more options for performing the function.


20240232824. CHECK TAMPERING PREVENTION USING BLOCKCHAIN_simplified_abstract_(capital one services, llc)

Inventor(s): Adam VUKICH of Alexandria VA (US) for capital one services, llc, Colin HART of Arlington VA (US) for capital one services, llc, Jason JI of Reston VA (US) for capital one services, llc, Kaitlin NEWMAN of Washington DC (US) for capital one services, llc

IPC Code(s): G06Q20/04, G06N20/00, G06Q20/38, G06Q20/40

CPC Code(s): G06Q20/042



Abstract: various embodiments are directed to techniques for ensuring that a negotiable instrument has not been altered between the time the instrument leaves the hands of the payor and when the check is presented for redemption by the payee by recording an image of the check in a data block in a blockchain and retrieving the image when the check is presented for redemption for comparison with the check. a match between the stored image and the check indicates that no alteration of the check has occurred.


20240232836. PAYMENT ALERT SYSTEM AND TECHNIQUES BASED ON GEOGRAPHIC FOOTPRINT_simplified_abstract_(capital one services, llc)

Inventor(s): Latika GULATI of Annandale VA (US) for capital one services, llc, Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Lukiih CUAN of Washington DC (US) for capital one services, llc

IPC Code(s): G06Q20/10, G06Q20/38, G06Q20/40, G06Q50/06

CPC Code(s): G06Q20/102



Abstract: a non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to retrieve a customer data record including bill payment activity associated with a provider account for a customer of a financial institution; and define a geographical footprint for the customer. the geographical footprint may be defined by identifying a customer set including the customer from a plurality of customers of a provider of the provider account, having customer records indicating geographic proximity, and determining that a predetermined fraction of the customer set are associated with a common billing cycle for the provider. the computer-readable program code may be executable by the processor to send a bill payment alert for transmission to the customer via electronic communication or telephonic communication, when the bill payment activity meets a threshold condition, wherein the threshold condition is determined at least in part by the geographical footprint.


20240232841. AUDIO-BASED SECURITY FOR AUTOMATED TELLER MACHINES_simplified_abstract_(capital one services, llc)

Inventor(s): Danielle SIMPSON of Manassas VA (US) for capital one services, llc, Saleem Ahmed SANGI of McLean VA (US) for capital one services, llc, Matthew B. KONOPA of Falls Church VA (US) for capital one services, llc, Brian J. OH of Clifton VA (US) for capital one services, llc

IPC Code(s): G06Q20/18, G06F21/35, G06Q20/10, G06Q20/32, G10L21/0232, G10L25/51

CPC Code(s): G06Q20/18



Abstract: disclosed herein are system, method, and computer program product embodiments for verification of proximity to a kiosk, such as an atm. the mobile application installed on a mobile device may be used to setup a prestaged transaction. when the mobile device is in the proximity to the kiosk to complete the prestaged transaction, a location of the mobile device may be verified using ambient sound recorded by a microphone of the mobile device. the ambient sound may be songs, tones, or ultrasonic sound played by a sound system near the kiosk. the recorded ambient sound may then be compared to expected audio from the sound system to determine whether the mobile device is in proximity to the kiosk.


20240232843. MACHINE-LEARNING BASED ELECTRONIC ACTIVITY ACCURACY VERIFICATION AND DETECTION OF ANOMALOUS ATTRIBUTES AND METHODS THEREOF_simplified_abstract_(capital one services, llc)

Inventor(s): Srinivasarao Daruna of Ashburn VA (US) for capital one services, llc, Vijay Sahebgouda Bantanur of Gaithersburg MD (US) for capital one services, llc, Marisa Lee of Washington DC (US) for capital one services, llc

IPC Code(s): G06Q20/20, G06N20/00, G06Q20/40

CPC Code(s): G06Q20/20



Abstract: systems and methods of the present disclosure enable a processor to automatically detect anomalous user-specified data by receiving an electronic activity verification associated with an electronic activity of a user account, including a value associated with an electronic activity, and a user-specified value indicative of an additional value specified by a user for the electronic activity. the processor generates a feature vector including the verified value and the user-specified value and utilizes an anomalous attribute classification model to ingest the feature vector to determine an anomaly classification based on learned model parameters. the processor generates a dispute graphical user interface (gui) including an alert message and a dispute interface element, that upon a user interaction causes an electronic request to dispute the electronic activity verification to prevent an execution of the electronic activity. the processor cancels the electronic activity to prevent the execution of the electronic activity.


20240232854. SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD_simplified_abstract_(capital one services, llc)

Inventor(s): James ZARAKAS of Centreville VA (US) for capital one services, llc, Adam KOEPPEL of Washington DC (US) for capital one services, llc, Kevin KELLY of Austin TX (US) for capital one services, llc, David WURMFELD of Fairfax VA (US) for capital one services, llc

IPC Code(s): G06Q20/34, G06K19/02, G06K19/04, G06K19/07, G06K19/077, G06Q20/04, G06Q20/10, G06Q20/32, G06Q20/38, G06Q20/40, G07F7/08, G09B21/00

CPC Code(s): G06Q20/353



Abstract: a system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data is described. a dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from a mobile device.


20240232855. TECHNIQUES TO UTILIZE RESOURCE LOCATORS BY A CONTACTLESS CARD TO PERFORM A SEQUENCE OF OPERATIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Kaitlin NEWMAN of Washington DC (US) for capital one services, llc, Colin HART of Arlington VA (US) for capital one services, llc, Kevin OSBORN of Newton MA (US) for capital one services, llc

IPC Code(s): G06Q20/34, G06Q20/32, G06Q30/01, G06Q40/02, H04L9/32

CPC Code(s): G06Q20/354



Abstract: embodiments may be generally directed to methods, techniques and devices to utilize a contactless card to perform a series of operations.


20240232857. METHODS AND ARRANGEMENTS FOR A PAYMENT INSTRUMENT WITH A UNIQUE DESIGN_simplified_abstract_(capital one services, llc)

Inventor(s): Tyler MAIMAN of Melville NY (US) for capital one services, llc, Kevin OSBORN of Newton Highlands MA (US) for capital one services, llc, Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc

IPC Code(s): G06Q20/34, G06Q20/20, G06Q20/40

CPC Code(s): G06Q20/355



Abstract: a payment instrument comprising a bottom layer; one or more intermediate layers, wherein at least one of the one or more intermediate layers comprises: a chip comprising a processor and memory; an antenna coupled with the chip; an absorbent medium; and one or more reservoirs comprising beads, each of the beads comprising dyes of one or more colors, the beads configured to release the dyes onto the absorption medium. the dyes cure on the absorption medium at a rate based on a curing agent applied to the absorbent medium or included in beads of the reservoirs. the payment instrument may also comprise a top layer having at least a partially translucent portion above the absorption medium, wherein the absorption medium is at least partially visible through the at least one partially translucent portion.


20240232882. COMPUTER-BASED SYSTEMS AND/OR COMPUTING DEVICES PROGRAMMED FOR INSTANT ISSUANCE OF A REPLACEMENT PHYSICAL ACCESS INSTRUMENT; AND METHODS OF USE THEREOF_simplified_abstract_(capital one services, llc)

Inventor(s): 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): G06Q20/40

CPC Code(s): G06Q20/4012



Abstract: a computer-based method includes receiving an activity data associated with a user; where a first user activity profile of the activity data is associated with: a) a first profile identifier, and b) a first instrument, where the first instrument comprises a first security measure; receiving an authentication request to authenticate an identity of the user; generating a security challenge to identify the user; the security challenge being based on a second user activity profile of the activity data; receiving a security response to the a security challenge from an instrument generation module; the security response comprising a second profile identifier associated with a second instrument; authenticating the user based on the security response; generating a third profile identifier to replace the first profile identifier; instructing the instrument generation module to dispense a third instrument; where the third instrument includes: a) the third profile identifier, and b) a second security measure.


20240232890. SYSTEMS AND METHODS FOR EXTERNAL ACCOUNT AUTHENTICATION_simplified_abstract_(capital one services, llc)

Inventor(s): Jennifer KWOK of Brooklyn NY (US) for capital one services, llc, Sara Rose BRODSKY of New York NY (US) for capital one services, llc, Jason ZWIERZYNSKI of Chapel Hill NC (US) for capital one services, llc, Joshua EDWARDS of Carrollton TX (US) for capital one services, llc, Abhay DONTHI of Washington DC (US) for capital one services, llc, Tania Cruz MORALES of Washington DC (US) for capital one services, llc

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

CPC Code(s): G06Q20/4016



Abstract: systems and methods for external account authentication are disclosed herein. they include receiving a call to pair the external account with a secure account, extracting external data from the external account, the external data corresponding to external account content, providing user activity data from the secure account as an input to an authentication machine learning model, providing the external data as an input to the authentication machine learning model, the authentication machine learning model configured to output a certainty level that the external account is associated with a user of the secure account based on the external data and the activity data, receiving the certainty level from the authentication machine learning model, determining that the certainty level meets a certainty threshold, and pairing the external account with the secure account based on determining that the certainty level meets the certainty threshold.


20240232894. UTILIZING CARD MOVEMENT DATA TO IDENTIFY FRAUDULENT TRANSACTIONS_simplified_abstract_(capital one services, llc)

Inventor(s): Molly JOHNSON of Alexandria VA (US) for capital one services, llc, Adam VUKICH of Springfield VA (US) for capital one services, llc, James ZARAKAS of Centreville VA (US) for capital one services, llc

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

CPC Code(s): G06Q20/4016



Abstract: a fraud detection platform may receive transaction data relating to a transaction conducted by a user with a transaction card. the fraud detection platform may receive, from a biometric sensor of the transaction card, biometric data relating to one or more biometric characteristics of the user during the transaction. the fraud detection platform may receive, from an accelerometer of the transaction card, card movement data relating to a measure of shaking of the transaction card by the user during the transaction. the fraud detection platform may process the transaction data, the biometric data, and the card movement data, with a fraud detection model, to determine a fraud score associated with the transaction. the fraud detection platform may perform one or more actions based on the fraud score.


20240232895. DYNAMIC PURCHASING POWER VISUALIZATION_simplified_abstract_(capital one services, llc)

Inventor(s): Martin Figueroa-Ramirez of Silver Spring MD (US) for capital one services, llc, Jennifer Kwok of Brooklyn NY (US) for capital one services, llc, Susan Hogan Davis of Alexandria VA (US) for capital one services, llc, Tara Ann Hickey of Herndon VA (US) for capital one services, llc

IPC Code(s): G06Q40/02, G06Q20/40, G06T19/00

CPC Code(s): G06Q40/025



Abstract: disclosed embodiments pertain to determining and communicating purchasing power through a visualization. a trained machine learning model can be invoked on a credit card without a preset limit to predict a dynamic spending limit based on credit card data or credit score data. purchasing power can be computed as the difference between the dynamic spending limit and a current balance, and a purchase power class can be determined based on the purchasing power. further, a graphic representation of a purchasing power class can be determined. subsequently, presentation of the graphic representation can be triggered in a manner that overlays the graphic representation on or around the physical card.


20240232901. METHOD FOR PROVISIONING MERCHANT-SPECIFIC PAYMENT APPARATUS_simplified_abstract_(capital one services, llc)

Inventor(s): Abdelkader M’Hamed BENKREIRA of Washington DC (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): G06Q20/40, G06Q20/34

CPC Code(s): G06Q20/4097



Abstract: various embodiments are directed to a method and system for provisioning a merchant-specific payment apparatus, such as a temporary payment card, via a computing device, such as an automated teller machine (atm). a user, such as a customer, may specify a merchant. a record of known payment acceptance types at that merchant may be returned, which may be used to determine what type of temporary payment card gets issued to the user.


20240232915. SYSTEMS AND METHODS FOR USING A PREDICTIVE ENGINE TO PREDICT FAILURES IN MACHINE-LEARNING TRAINED SYSTEMS_simplified_abstract_(capital one services, llc)

Inventor(s): Geoffrey DAGLEY of McKinney TX (US) for capital one services, llc, Stephen ANDERSON of Plano TX (US) for capital one services, llc, Stephen WYLIE of Carrollton TX (US) for capital one services, llc, Qiaochu TANG of The Colony TX (US) for capital one services, llc, Micah PRICE of Plano TX (US) for capital one services, llc, Jason HOOVER of Grapevine TX (US) for capital one services, llc, Kristen PRZANO of Dallas TX (US) for capital one services, llc

IPC Code(s): G06Q30/0202, G06F18/2137, G06F18/214, G06F18/23, G06F18/2413, G06N20/00, G06Q20/38, G06Q20/40, G06Q30/0201

CPC Code(s): G06Q30/0202



Abstract: a computer-implemented method for using a machine-learning trained predictive engine to predict failures includes receiving electronic prior transaction data corresponding to a plurality of prior successful transactions and a plurality of prior unsuccessful transactions, and training a machine learning predictive engine based on the plurality of prior successful transactions and the plurality of prior unsuccessful transactions. electronic transaction data may be received, the electronic transaction data being associated with a user, an item, and candidate transaction terms, the electronic transaction data being associated with a candidate transaction. the machine learning predictive engine may determine a likelihood of success of the candidate transaction based on the electronic transaction data, and display the likelihood of success of the candidate transaction.


20240232933. SYSTEM, METHOD AND COMPUTER-ACCESSIBLE MEDIUM FOR PROVIDING FINANCIAL ACCOUNT RECOMMENDATION BASED ON USE OF BENEFIT_simplified_abstract_(capital one services, llc)

Inventor(s): Jonatan YUCRA RODRIGUEZ of San Francisco CA (US) for capital one services, llc, Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc, Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Vu NGUYEN of Pittsburgh PA (US) for capital one services, llc, David GABRIELE of New York NY (US) for capital one services, llc, Adam VUKICH of Alexandria VA (US) for capital one services, llc

IPC Code(s): G06Q30/0226, G06F9/54, G06Q40/02

CPC Code(s): G06Q30/0233



Abstract: an exemplary system, method, and computer-accessible medium for providing a financial account recommendation to person(s) can include receiving a transaction history for the person(s) associated with a first financial account, determining first rewards information based on the transaction history, accessing database(s) containing rewards rates for a plurality of second financial accounts, determining second rewards information for a particular second financial account of the plurality of second financial accounts based on the transaction history, and providing the financial account recommendation to the person(s) to one of (i) keep the first financial account or (ii) switch to the second financial account based on a comparison of the first rewards information to the second rewards information.


20240232934. SYSTEMS AND METHODS FOR SUSTAINABILITY-BASED TRANSACTIONAL PROCESSING AND REWARD AUTOMATION_simplified_abstract_(capital one services, llc)

Inventor(s): Xiaoguang ZHU of New York 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): G06Q30/0234, G06Q10/087, G06Q20/20

CPC Code(s): G06Q30/0234



Abstract: systems and methods for implementing a dynamic cashback adjustment rates based on environmental and social impact derived a user's transactional data are disclosed. the described operations leverage a sustainability scoring model based on user's transactional data to derive three input parameters for quantifying a measures of sustainability factor and environmental impact associated with the user's transactional behavior and purchasing pattern. the computed sustainability score may then be used to generates a ranking based on a user's environmental impact as derived from their transactional activity. the generated ranking is then used to automate cash-back rewards to further incentivize sustainable transactional practices.


20240232948. Method and System for Personalization of Advertisement Content_simplified_abstract_(capital one services, llc)

Inventor(s): Parvesh Kumar of Plano TX (US) for capital one services, llc, Raman Bajaj of Frico TX (US) for capital one services, llc, Arjun Dugal of Dallas TX (US) for capital one services, llc, Sanjiv Yajnak of McLean VA (US) for capital one services, llc, David Kang of Plano TX (US) for capital one services, llc, Terry Ni of Allen TX (US) for capital one services, llc, Janardhan Prabhakara of Allen TX (US) for capital one services, llc, Praveen Tandra of Allen TX (US) for capital one services, llc, Maitreya Kundurthy of Prosper TX (US) for capital one services, llc, Connor Foley of Frisco TX (US) for capital one services, llc

IPC Code(s): G06Q30/0251, G06Q30/0273, H04L9/40, H04L67/146

CPC Code(s): G06Q30/0269



Abstract: embodiments disclosed herein generally relate to a system and method for personalization of advertisement content. a computing system receives an http request to access a webpage. the http request includes a visitor identifier. the computing system parses the http request to identify the visitor identifier contained therein. the computing system transfers the visitor identifier to a remote advertisement server. the computing system receives an advertisement call from a web browser executing on the remote computing system. the advertisement call includes the visitor identifier. the computing system generates a customized advertisement based at least on content accessed by the remote computing system on the webpage. the computing system transmits the customized advertisement to the web browser for display with the website on the remote computing system. the website is hosted by the third-party web server.


20240233010. SYSTEMS AND METHODS FOR CONSOLIDATING ACCOUNTS_simplified_abstract_(capital one services, llc)

Inventor(s): Anne Moshyedi of Washington DC (US) for capital one services, llc, Lindsay Ngo of Arlington VA (US) for capital one services, llc, Suchitra Jayaraman of Newark DE (US) for capital one services, llc, Kelly Chen of Arlington VA (US) for capital one services, llc

IPC Code(s): G06Q40/03

CPC Code(s): G06Q40/03



Abstract: disclosed embodiments may include a system for consolidating accounts. the system may receive data corresponding to a user. the system may determine, via a first mlm and based on the data, a first account of a plurality of accounts to use as a primary account. the system may cause a user device to display, via a gui, a first notification indicating the first account as the primary account. the system may normalize, via a second mlm, respective feature(s) of second account(s) of the plurality of accounts in comparison to the respective feature(s) of the first account. the system may cause the user device to display, via the gui, a second notification indicating a consolidation of the second account(s) into the first account based on the normalized respective feature(s). the system may consolidate the second account(s) into the first account based on the second recommendation.


20240233025. SYSTEM AND METHOD FOR THE DYNAMIC ALLOCATION OF FUNDS_simplified_abstract_(capital one services, llc)

Inventor(s): Xiaoguang ZHU of New York 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): G06Q40/06

CPC Code(s): G06Q40/06



Abstract: the disclosed embodiments include a system and method for generating a predictive model and allocating, based on the model's findings, an ideal amount into a user's account. the system includes a user device and a server. the server can retrieve the user's information, analyze the information, generate the predictive model, train the model, calculate a savings amount and allocate the amount to the appropriate account.


20240235822. Object-Level Encryption_simplified_abstract_(capital one services, llc)

Inventor(s): Rocky Gray of Fairfax VA (US) for capital one services, llc, Jeremy Green of Alexandria VA (US) for capital one services, llc, Justin Bachorik of Silver Spring MD (US) for capital one services, llc, Irakli Nadareishvili of Wilmington DE (US) for capital one services, llc

IPC Code(s): H04L9/08, H04L9/14, H04L67/1097

CPC Code(s): H04L9/0825



Abstract: a method, apparatus, system, or computer-readable medium for performing object-level encryption and key rotations is disclosed. a service platform may store data items organized into one or more asset clusters. a first content encryption key may be set as the active encryption key for an asset cluster. the active encryption key may be encrypted using the master encryption key. a first subset of data items may be encrypted using the active encryption key (e.g., the first content encryption key). after the number of data items encrypted using the active encryption key satisfies a threshold value, the first content encryption key may be set as an inactive encryption key and a second content encryption key may be set as the new active encryption key for the asset cluster. a second subset of the plurality of data items may be encrypted using the active encryption key (e.g., the second content encryption key).


20240235840. SYSTEMS AND METHODS FOR CREATING SEED AND MASTER KEYS FOR BLOCKCHAIN WALLETS FROM USER BIOMETRICS_simplified_abstract_(capital one services, llc)

Inventor(s): Kevin OSBORN of Newton Highlands MA (US) for capital one services, llc, Xiaoguang ZHU of New York NY (US) for capital one services, llc, Samuel RAPOWITZ of Roswell GA (US) for capital one services, llc

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

CPC Code(s): H04L9/3231



Abstract: systems and methods are directed to optimizing a security and recoverability trade-off generally associated with cryptocurrency master key storage. exemplary embodiments provide a biometrically derived cryptographic seed using a measurement of one or more scale invariant biometric attributes associated with a user. the measured user biometric data is then processed into a repeatable biometric identifier and formatted into a (biometric) cryptographic seed, for derivation of a master extended private key, which may be stored in an hd wallet or used dynamically to conduct a blockchain transaction. the biometric seed and master key generation process may be facilitated by a mobile application responsive to a readout of biometric data from sensors integrated/associated with the mobile device. the captured biometric data may be cryptographically combined with a user-inputted password and/or an authentication data record wirelessly retrieved from an otp card, to generate a cryptographic seed with greater security attributes.


20240235841. SYSTEM AND METHOD FOR PARALLEL MANUFACTURE AND VERIFICATION OF ONE-TIME-PASSWORD AUTHENTICATION CARDS_simplified_abstract_(capital one services, llc)

Inventor(s): Kevin OSBORN of Newton Highlands MA (US) for capital one services, llc, Srinivasa CHIGURUPATI of Long Grove IL (US) for capital one services, llc

IPC Code(s): H04L9/32, H04L9/08, H04L9/14

CPC Code(s): H04L9/3234



Abstract: the disclosed system and method is directed to a novel implementation of encryption service provision which obviates a need for network communication between a card manufacturing/personalization entity and a validation entity, during the card personalization phase. the proposed solution decouples the operation flow associated with personalization of an otp card (as carried out by a manufacturing hsm) and the validation of a otp card cryptogram (as carried out by a distinct validation hsm). this is accomplished by generation and distribution of a third master key which enables the personalization and the validation hsms to independently derive the shared secret value used in generation and validation of a transaction cryptogram associated with an otp card operation.


20240235859. SYSTEMS AND METHODS FOR CONDITIONAL DISTRIBUTION OF AGGREGATED CRYPTOGRAPHIC DATA BASED ON A TRIGGER_simplified_abstract_(capital one services, llc)

Inventor(s): Kevin OSBORN of Newton Highlands MA (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Samuel RAPOWITZ of Roswell GA (US) for capital one services, llc

IPC Code(s): H04L9/00, H04L9/32

CPC Code(s): H04L9/50



Abstract: system and methods for handling on-chain cryptographic resources based on conditions generated responsive to an off-chain trigger. the system may receive a transfer request that includes a resource allocation request, generate a first blockchain function request for a list of contributor identifiers and condition sets, receive the list of contributor identifiers and condition sets, determine a subset of the list of contributor identifiers and condition sets, generate a second blockchain function request, and transmit the second operation request to a blockchain node.


20240236062. SYSTEMS AND METHODS FOR ANONYMIZED VALIDATION AND LOGIN_simplified_abstract_(capital one services, llc)

Inventor(s): Jeffrey Carlyle WIEKER of Falls Church VA (US) for capital one services, llc, Clayton JOHNSON of Edgewood MD (US) for capital one services, llc, Kevan EMMOTT of Arlington VA (US) for capital one services, llc

IPC Code(s): H04L9/40, G06F21/62

CPC Code(s): H04L63/08



Abstract: a method for facilitating anonymized interactions and/or identifying or validating a user via a virtual number may include: receiving a login request from a user device associated with a user that identifies the user via a virtual number; in response to receiving the login request, determining whether the virtual interaction item number is valid; in response to determining that it is valid: validating the login request; and identifying an entity associated with the virtual number; receiving from the user device, an interaction-completion request; in response to receiving the interaction-completion request, transmitting a user information request to the entity associated with the virtual number; receiving a reply to the user-information request from the entity; and in response to receiving the reply, completing the interaction-completion request using the reply.


20240236084. SYSTEMS AND METHODS FOR AUTHENTICATION FOR USER SUPPORT_simplified_abstract_(capital one services, llc)

Inventor(s): Ihab POTHIAWALA of Stamford CT (US) for capital one services, llc, Jude ANASTA of Hudson NY (US) for capital one services, llc

IPC Code(s): H04L9/40, H04M3/51

CPC Code(s): H04L63/0853



Abstract: in some embodiments, after authentication of a user at a trusted device, a system may store a record with user or other support information and a code in a database. when support is requested by the user device, the code provided in response to the request (e.g., as an extension to a phone number or in a header field), and a system may use the code to retrieve the record from the database. presence of the record in the database may indicate to the communication system that the user requesting support is already authenticated.


20240236091. SYSTEMS AND METHODS FOR RECOGNIZING NEW DEVICES_simplified_abstract_(capital one services, llc)

Inventor(s): Mary K. Wolfe of Midlothian VA (US) for capital one services, llc, Suman Ojha of Glen Allen VA (US) for capital one services, llc, Noble Ozoka of Glen Allen VA (US) for capital one services, llc

IPC Code(s): H04L9/40, H04L41/16, H04L41/22

CPC Code(s): H04L63/0876



Abstract: disclosed embodiments may include a system for recognizing new devices. the system may receive data indicative of a user being associated with a new device, and may receive, via the new device, a request to perform an action. the system may generate, via a machine learning model (mlm), a trust score associated with the user and the new device. the system may determine whether the trust score exceeds a predetermined threshold. responsive to determining the trust score does not exceed the predetermined threshold, the system may conduct fraud prevention action(s) with respect to the user and the new device. responsive to determining the trust score exceeds the predetermined threshold, the system may cause the new device to display a notification. responsive to receiving a response to the notification, the system may identify user setting(s) associated with a previous device, and enable the user setting(s) via the new device.


20240236099. Managing Trusted User Devices Via Silent Push Notifications_simplified_abstract_(capital one services, llc)

Inventor(s): Erik Neighbour of Arlington VA (US) for capital one services, llc, Jason Pribble of McLean VA (US) for capital one services, llc, Maneill Parekh of Washington DC (US) for capital one services, llc

IPC Code(s): H04L9/40

CPC Code(s): H04L63/102



Abstract: methods, systems, and apparatuses for managing the preauthorization of user devices to access resources in one or more remote servers are described herein. preauthorized user devices may access the resources without repeatedly going through multiple-factor authentication processes. data for such preauthorized user devices may be maintained in a list of trusted user devices. to determine whether user devices are still eligible to be included in the list of trusted user devices, silent push notifications may be sent to the user devices. the silent push notifications may be configured not to cause outputs of any displays at the user devices or modify any current displays. based on deliverability statistics that indicate whether the user devices acknowledged the silent push notifications, user devices may be kept in the list of trusted devices or removed from the list of trusted devices.


20240236200. USING TOKENS FROM SILENT PUSH NOTIFICATIONS DURING APPLICATION SESSIONS TO DEVELOP DEVICE CONFIDENCE_simplified_abstract_(capital one services, llc)

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

IPC Code(s): H04L67/55, H04L9/40, H04W76/25

CPC Code(s): H04L67/55



Abstract: aspects disclosed are directed to a system and methods that device authentication. the system at least transmits a silent push notification to an application installed on a client device. the silent push notification includes a push token provided by a push service and an embedded secret. a response to the silent push notification can be received with a further embedded secret. the embedded secret and the further embedded secret can be compared to determine if they match. if the embedded secret and the further embedded secret match, the client device can be authenticated


20240236830. METHODS AND SYSTEMS FOR INFORMATION DISPLAY BASED ON SIGNAL INTERPRETATION_simplified_abstract_(capital one services, llc)

Inventor(s): Micah PRICE of Plano TX (US) for capital one services, llc, Geoffrey DAGLEY of McKinney TX (US) for capital one services, llc, Qiaochu TANG of Frisco TX (US) for capital one services, llc

IPC Code(s): H04W48/16, H04N1/00, H04W4/02, H04W84/12

CPC Code(s): H04W48/16



Abstract: a signal interpretation system includes a communication device, a memory storing instructions, and one or more processors configured to execute the instructions to perform operations including: receiving scanned information including a shape of at least one article scanned with a scanning device to identify the at least one article and identifying a geographic location of the scanning device, when a scan of the at least one article was performed, based on a location signal received from the scanning device. the operations also include evaluating a signal indicative of interest in the identified at least one article and transmitting, via the communication device, a notification based on the evaluated signal, the notification being indicative of the identified at least one article and the identified geographic location, the notification being configured to cause an update in at least one graphical element presented by the scanning device or another device.


20240237088. METHODS AND SYSTEMS FOR LINKING MOBILE APPLICATIONS TO MULTI-ACCESS POINT PROVIDERS TO PROVIDE SECURE COMMUNICATION OF ENCRYPTED USER DATA_simplified_abstract_(capital one services, llc)

Inventor(s): Fan FENG of Jersey City NJ (US) for capital one services, llc, Johanna DAVIS of Philadelphia PA (US) for capital one services, llc, Allison FENICHEL of Brooklyn NY (US) for capital one services, llc

IPC Code(s): H04W76/11, H04W12/06

CPC Code(s): H04W76/11



Abstract: methods and systems are described herein for adapting legacy infrastructure to account for cybersecurity, privacy, and digital integrity issues plaguing electronic communications. in particular, the methods and systems overcome these issues by generate alternative content that is specific to specific destinations/recipients of electronic communications, as well as unique between each different destination/recipient. this unique alternative content may then be used for each access point (e.g., website, mobile application, etc.) linked to the same destination/recipient (e.g., website and/or mobile application provider).


Capital One Services, LLC patent applications on July 11th, 2024