Capital One Services, LLC patent applications on March 13th, 2025
Patent Applications by Capital One Services, LLC on March 13th, 2025
Capital One Services, LLC: 23 patent applications
Capital One Services, LLC has applied for patents in the areas of G06Q20/34 (4), H04L9/40 (3), G06N20/00 (3), G06Q20/40 (3), G06Q20/32 (2) G06F8/73 (1), G06Q20/4016 (1), H04L63/08 (1), H04L9/3234 (1), G09B21/008 (1)
With keywords such as: user, data, based, device, information, generate, methods, transaction, systems, and content in patent application abstracts.
Patent Applications by Capital One Services, LLC
Inventor(s): Aidel Miriam WEISBERG of Baltimore MD (US) for capital one services, llc
IPC Code(s): G06F8/73
CPC Code(s): G06F8/73
Abstract: in some implementations, a system may receive information associated with the change to the codebase. the system may retrieve the documentation set, the documentation set being associated with the codebase. the system may determine, based on the documentation set and the information associated with the change the codebase, whether the documentation set is to be updated based on the change to the codebase. the system may selectively perform an action associated with updating the documentation set based on the change to the codebase, wherein the action is selectively performed based on a result of determining whether the documentation set is to be updated based on the change to the codebase.
Inventor(s): Kalanand Mishra of Mountain View CA (US) for capital one services, llc, Christopher Vito Covalucci of Herndon VA (US) for capital one services, llc
IPC Code(s): G06F9/451, G06N20/00
CPC Code(s): G06F9/451
Abstract: systems and methods of the present disclosure provide dynamic and context sensitive user experience optimization by receiving an interface rendering request from a user device associated with a user and accessing user data of the user. a trained rendering type machine learning model is used to predict a rendering type for displaying a user interface (ui) to the user, based on the user data. a trained rendering template machine learning model is used to predict an interface rendering template for the ui rendering based on the rendering type and the user data. a trained presentation machine learning model is used to predict a presentation item to display in the rendering template based on the rendering type, and the user data. the user device is instructed to render the ui on a display so as to dynamically display a context sensitive ui including the presentation item according to the rendering template.
Inventor(s): Jon WHITMORE of Washington DC (US) for capital one services, llc, Lucas ROZIER of Arlington VA (US) for capital one services, llc
IPC Code(s): G06F9/451, G06Q20/32, G06Q20/38, H04W4/02
CPC Code(s): G06F9/454
Abstract: systems and methods for adaptive configuration. in some aspects, a system may receive an indication that a communication session is initiated between a public terminal and a user device in proximity of the public terminal. in response to receiving the indication, the system may obtain historical transaction data of the user. based on the historical transaction data, the system may determine (1) frequent locations of the user where a user has conducted more than a threshold number of transactions and (2) a language preference for the user. in response to determining that the user is not located within one or more frequent locations of the user, the system may transmit a command to alter a digital display of the public terminal based on a user-specific configuration, wherein the user-specific configuration comprises the language preference of the user.
Inventor(s): Kana MISHRA of Farmers Branch TX (US) for capital one services, llc, Ming WATERS of Walkerton VA (US) for capital one services, llc, Donald GENNETTEN of Henrico VA (US) for capital one services, llc, Gaurav JAIN of Plano TX (US) for capital one services, llc, Nour OMAR of Hurst TX (US) for capital one services, llc
IPC Code(s): G06F9/48
CPC Code(s): G06F9/48
Abstract: disclosed herein are system, method, and computer program product embodiments for generating a set of correlated applications by a recommendation system to resolve an incident for an application service (as). the recommendation system can determine an as-to-as similarity matrix based on incident data and contextual data, an as-to-as affinity matrix based on the incident data and contextual data, and generate a set of correlated applications based on the similarity matrix and the affinity matrix. the set of correlated applications can also be generated based on pairwise application associations, where an application association between a first application and a second application indicates that the first application and the second application can occur together in an incident or to be changed together as indicated by a change record.
Inventor(s): Vishal TAK of Plano TX (US) for capital one services, llc, Andrew Lamar DAWSON of Plano TX (US) for capital one services, llc, Samuel Michael BETHGE of Plano TX (US) for capital one services, llc, Kumaran ARULMANI of Plano TX (US) for capital one services, llc
IPC Code(s): G06F16/2455
CPC Code(s): G06F16/24553
Abstract: in some implementations, a system may identify a plurality of sql queries. the system may determine that the plurality of sql queries is configured to manage data associated with a database via respective accesses of the database. the system may combine, based at least in part on determining that the plurality of sql queries is configured to manage the data associated with the database, the plurality of sql queries into a combined sql query configured to manage the data associated with the database via a combined access of the database.
Inventor(s): Komal Krishna PANDAMANETI of Frisco TX (US) for capital one services, llc, Lewis C. WONG of Dallas TX (US) for capital one services, llc, Dinesh VAJALA of Plano TX (US) for capital one services, llc, Sunil LAWRENCE of Little Elm TX (US) for capital one services, llc, Jason E. LINES of Prosper TX (US) for capital one services, llc, Stephen Michael LIPNER-BERNSTEIN of Frisco TX (US) for capital one services, llc, Sriram GANTA of McKinney TX (US) for capital one services, llc, Siva R. VEGESANA of Frisco TX (US) for capital one services, llc
IPC Code(s): G06F18/2325
CPC Code(s): G06F18/2325
Abstract: in some implementations, a device may obtain first data associated with one or more accounts. the device may process the first data to obtain clustering information associated with the first data. the device may cluster the first data into one or more clusters based on the clustering information. the device may identify, via a second machine learning model, one or more deviation patterns associated with a portion of the first data that is included in a cluster of the one or more clusters. the device may determine, for the cluster, one or more operations to be performed to mitigate deviations based on the one or more deviation patterns. the device may perform an action, that is based on the one or more operations, associated with second data grouped into the cluster.
Inventor(s): Baris BILEK of Leesburg VA (US) for capital one services, llc
IPC Code(s): G06N3/0455, G06N3/08
CPC Code(s): G06N3/0455
Abstract: in some implementations, a device may receive an input for the artificial intelligence model, wherein the input describes an output of the artificial intelligence model. the device may generate, via the artificial intelligence model, the output based on a modified input that is based on modifying one or more keywords included in the input to be indicative of respective entities based on the one or more keywords being associated with respective entity parameters. the device may provide, based on receiving the input, the output for display, wherein the output includes visual elements, associated with respective keywords of the one or more keywords, that indicate the respective entities.
Inventor(s): Taylor TURNER of Richmond VA (US) for capital one services, llc, Jeremy GOODSITT of Champaign IL (US) for capital one services, llc, Michael DAVIS of Arlington 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): G06N3/098
CPC Code(s): G06N3/098
Abstract: systems and methods for detecting anomalous data updates in federated learning. in some aspects, the system receives a plurality of data updates. each data update contains data in a first real-valued space. the system selects a first function to project the plurality of data updates into a second real-valued space. the system selects a second function to partition the second real-valued space into a plurality of sectors. the system generates a plurality of sector datasets associated with the plurality of sectors. the system processes the plurality of sector datasets to generate a relational data structure. the system determines outliers in the relational data structure corresponding to anomalous data updates.
Inventor(s): Samuel SHARPE of Cambridge MA (US) for capital one services, llc, Galen RAFFERTY of Mahomet IL (US) for capital one services, llc, Taylor TURNER of Richmond VA (US) for capital one services, llc, Owen REINERT of Queens NY (US) for capital one services, llc
IPC Code(s): G06N20/00
CPC Code(s): G06N20/00
Abstract: methods and systems for generating synthetic data. in some aspects, the system receives a first set of candidate behaviors, each of which comprises plain text. the system processes the first set of candidate behaviors using a first language processing model to generate a set of representations in an embedding space. for each representation in the set of representations, the system processes the representation using a second language processing model to generate a first sequence of behavioral tokens representative of a timeline of user activities. using the set of representations and first sequence of behavior tokens, the system updates the second language processing model. using the updated second language processing model, the system processes a second set of candidate behaviors to generate a second sequence of behavior tokens.
Inventor(s): Tyler FARNAN of San Diego CA (US) for capital one services, llc, 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, Areal TAL of McLean VA (US) for capital one services, llc, Kenny BEAN of Herndon VA (US) for capital one services, llc
IPC Code(s): G06N20/20
CPC Code(s): G06N20/20
Abstract: systems and methods for detecting anomalous data updates in federated learning. in some aspects, the system retrieves a plurality of data updates and a corresponding plurality of data profiles during a first interval of time. the system generates a first data profile trend based on the plurality of data profiles, including an expectation value and a measure of variance. the system receives a subsequent data update and a corresponding subsequent data profile. the system determines a measure of deviation based on the expectation value of the first data profile trend and the subsequent data profile. the system generates an anomaly score based on the measure of deviation and the measure of variance. based on the anomaly score, the system determines whether to label the subsequent data update as acceptable for inclusion in training data to generate a local model.
Inventor(s): Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Michael MOSSOBA of Arlington VA (US) for capital one services, llc, Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc
IPC Code(s): G06Q20/34, G06Q20/40
CPC Code(s): G06Q20/351
Abstract: embodiments of systems and methods for generating virtual account-linked cards are described. a virtual account-linked card may be generated in response to a determination that a physical account-linked card has been forgotten at a card reader and ingested by the card reader. a virtual account-linked card may be restricted such that it can only be used to execute a transaction with authorized transaction partners identified in a database.
Inventor(s): Dexter Ferguson of Catonsville MD (US) for capital one services, llc
IPC Code(s): G06Q20/34, G06Q20/32
CPC Code(s): G06Q20/352
Abstract: a method, a system, and a computer program product for using contactless cards and mobile applications for selecting and using methods of payment for transactions. an identifier associated with a transaction is received. the transaction is configured to be executed using at least one computing device. one or more virtual identifiers are generated using the received identifier. at least one virtual identifier is selected and assigned to the transaction. execution of the transaction is triggered by the computing device using the assigned virtual identifier.
Inventor(s): Maria BERMUDEZ-CISNEROS of Arlington VA (US) for capital one services, llc, Darlene SCHWARTZ of McLean VA (US) for capital one services, llc, Michelle KELO of Chesterfield VA (US) for capital one services, llc, Nicholas FLIEG of Richmond VA (US) for capital one services, llc, Adam RUBIN of Arlington VA (US) for capital one services, llc
IPC Code(s): G06Q20/40, G06F21/31, G06N20/00, G06Q20/38, H04L9/40, H04W12/00, H04W12/06
CPC Code(s): G06Q20/4016
Abstract: a device may receive, from a server device, a real-time notification indicating that a field of a user account is being modified. the field may include personal information of a user associated with the user account and/or information identifying authorized users of the user account. the device may receive, from a user device, a request associated with a high-risk transaction involving the user account. the device may determine a risk score indicating a likelihood of the high-risk transaction being performed by an unauthorized user. the device may selectively identify an authentication procedure, of a group of authentication procedures, based on the risk score. the device may provide authentication instructions for the authentication procedure to the user device to allow the user device to perform the authentication procedure.
Inventor(s): Jennifer KWOK of Brooklyn NY (US) for capital one services, llc, Martin FIGUEROA-RAMIREZ of Silver Spring MD (US) for capital one services, llc, Susan HOGAN of Alexandria VA (US) for capital one services, llc, Tara Ann HICKEY of Herndon VA (US) for capital one services, llc
IPC Code(s): G06Q30/018, G06Q20/34, G06Q20/40
CPC Code(s): G06Q30/0185
Abstract: systems and methods for detecting abusive behavior. in some aspects, a method includes receiving first transfer data for a first transfer associated with a second category of resources and a first indication whether the first transfer is associated with abusive behavior. the first transfer data may be processed using a first machine learning model to generate a first prediction regarding whether the first transfer is associated with abusive behavior. in response to determining that the first prediction does not match the first indication, the first machine learning model may be updated to generate a second machine learning model for the second category of resources. the method may include receiving second transfer data for a second transfer associated with a second category of resources and processing the second transfer data using the second machine learning model to generate a second prediction regarding whether the second transfer is associated with abusive behavior.
Inventor(s): Bryan TAMAYO of Allen TX (US) for capital one services, llc
IPC Code(s): G06Q30/0251, G06F16/2457, G06F16/9535
CPC Code(s): G06Q30/0271
Abstract: in some implementations, a content hosting system may receive a content item that includes one or more interactive elements associated with a plurality of user personas that each include shared attributes associated with a user group. the content hosting system may serve the content item to a user device based on a request to access the content item. the content hosting system may track engagement data related to a content consumer associated with the user device engaging with the content item and/or the one or more interactive elements. the content hosting system may identify, among the plurality of user personas, a user persona associated with the content consumer associated with the user device based on the engagement data. the content hosting system may adapt a layout associated with the content item based on the user persona associated with the content consumer associated with the user device.
Inventor(s): Arun GOPALAKRISHNA of McKinney TX (US) for capital one services, llc, Adam Roy PAYNTER of Plano TX (US) for capital one services, llc, Cole COEN of Celina TX (US) for capital one services, llc, Ravi KALIDINDI of Mckinney TX (US) for capital one services, llc, Humberto HERNANDEZ TORRES of Plano TX (US) for capital one services, llc, Akash GULATI of Frisco TX (US) for capital one services, llc
IPC Code(s): G06Q30/0601, G06Q10/087
CPC Code(s): G06Q30/0627
Abstract: a system receives a search query that includes one or more entity characteristic parameters and one or more item characteristic parameters. the system identifies, based on the one or more entity characteristic parameters of the search query, a set of one or more entities. the system determines an entity order associated with the set of one or more entities, and determines a respective quantity of item display slots for each entity of the set of one or more entities. the system performs, based on the one or more item characteristic parameters, the entity order, and the respective quantity of item display slots for each entity of the set of one or more entities, an item search to generate a search result that identifies a plurality of items provided by the set of one or more entities. the system then provides the search result.
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): G06Q30/08
CPC Code(s): G06Q30/08
Abstract: methods, systems, and apparatuses are described herein for associating past auction bidding activity with subsequent financial transactions. a computing device may receive, from a web browser plugin of a web browser application executing on a user computing device, bid information relating to bids placed by a user on an auction website. such information may be collected by, for example, scraping the document object model of the website. after the auction ends, the computing device may determine a plurality of different candidate financial transactions for the user. based on an estimated payment amount, the computing device may select, from the plurality of different candidate financial transactions, a matching financial transaction, then output an association between a bid and the matching financial transaction.
Inventor(s): Marcie APELT of Richmond VA (US) for capital one services, llc, Megan EDDS of Glen Allen VA (US) for capital one services, llc, Keith BARRON of Henrico VA (US) for capital one services, llc, Ashley GIBBS of Richmond VA (US) for capital one services, llc, Matthew VISCHULIS of Vienna VA (US) for capital one services, llc, Carl ASHBY of Montpelier VA (US) for capital one services, llc, Baining HU of Vienna VA (US) for capital one services, llc, Yi LIU of Oakton VA (US) for capital one services, llc, David SCHARDT of Henrico VA (US) for capital one services, llc
IPC Code(s): G06Q40/02
CPC Code(s): G06Q40/02
Abstract: systems and methods for providing a separate interest rate for an individual transaction are disclosed. a system may provide a service associated with a account having an account balance and an associated first interest rate. the system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. the process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. the process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection.
Inventor(s): Daniel Alan JARVIS of Vienna VA (US) for capital one services, llc, Jason PRIBBLE of McLean VA (US) for capital one services, llc, Nicholas CAPURSO of Tysons Corner VA (US) for capital one services, llc
IPC Code(s): G06V20/00, G06T7/00, G06V10/10, G06V10/82, G06V30/19, G06V30/414, G06V30/418
CPC Code(s): G06V20/95
Abstract: disclosed herein are system, method, and computer program product embodiments for verifying a document. an embodiment operates by receiving an initial image of a document and identifying a first imperfection on a feature of the document. thereafter, the feature of the initial image is segmented into a first and second partially overlapping segment corresponding to a first and second portion of the feature, respectively. subsequently, the feature's first portion is determined to be free from the first imperfection, and the first imperfection is identified in the feature's second segment. after receiving a second image of the document including the feature's second portion, the feature's second portion in the second image is determined to be free from a second imperfection. as a result, an image of the feature is created based on the first and second portions of the feature derived from the initial and second images, respectively.
Inventor(s): Tania Cruz Morales of Washington DC (US) for capital one services, llc, Kevin Lowe of Richmond VA (US) for capital one services, llc, Sonia Sierra Sillero of Pacifica CA (US) for capital one services, llc
IPC Code(s): G09B21/00, G06F3/04847, G06F3/0485, G06F40/109, G10L15/22
CPC Code(s): G09B21/008
Abstract: methods, systems, and apparatuses are described herein for an extension that predicts a user's visually impaired spectrum (vis) score then adjusts a browser accessibility setting accordingly. further, the method may monitor the user's interaction with the accessibility settings and update the user's predicted vis score. an extension may train a machine learning model to predict a user's vis score, then generate a vis score employing the user's personal information as input. further, the extension may retrieve, from a database, one or more accessibility settings associated with a vis score. the extension may adjust one or more browser accessibility settings according to the vis score.
Inventor(s): Kaitlin NEWMAN of Washington DC (US) for capital one services, llc, Kimberly HAYNES of Reston VA (US) for capital one services, llc, Charles Nathan CRANK of Henrico VA (US) for capital one services, llc, Andrew COGSWELL of Midlothian VA (US) for capital one services, llc, Colin HART of Arlington VA (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Lara MOSSLER of Farmville VA (US) for capital one services, llc, Latika GULATI of Annandale VA (US) for capital one services, llc, Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc, Sarah Jane CUNNINGHAM of Arlington VA (US) for capital one services, llc, Sophie BERMUDEZ of Washington DC (US) for capital one services, llc, Michael MOSSOBA of Arlington VA (US) for capital one services, llc, Wayne LUTZ of Fort Washington MD (US) for capital one services, llc
IPC Code(s): H04L9/32, G06Q20/34, G06Q30/0207, G06Q30/0226, G06Q30/0241, H04L9/08, H04L9/14
CPC Code(s): H04L9/3234
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.
Inventor(s): Abdelkader BENKREIRA of Washington DC (US) for capital one services, llc, Michael MOSSOBA of Arlington VA (US) for capital one services, llc, Joshua EDWARDS of Arlington VA (US) for capital one services, llc
IPC Code(s): H04L9/40, G06F21/31, H04L69/22, H04W12/06
CPC Code(s): H04L63/08
Abstract: systems and methods for authenticating a user may include transmitting a request for a first set of information after validation of authentication information; receiving a response comprising the first set of information; parsing the first set of information using one or more template-based algorithms by scanning one or more websites to determine publicly available information associated with a user; comparing compare one or more results of the parsing with a second set of information to yield compromised information associated with the user; eliminating one or more portions of the second set of information based on the comparison; presenting a third set of information to authenticate the user based on the elimination and by supplementing the first set of information with a fourth set of information; and presenting a fifth set of information to authenticate the user if the third set of information fails to reach a predetermined threshold number.
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, G06F21/53
CPC Code(s): H04L63/1441
Abstract: methods and systems for preventing unauthorized resource access. in some aspects, the system obtains, in real time, a first data stream between a user requesting access to resources in a user account and an agent. the system processes, using a first machine learning model, the first data stream to generate a confidence score. if the confidence score exceeds a threshold, the system generates a sandbox context configured to simulate output indicative of successful resource access. the system obtains a second data stream for the sandbox context and processes it using a second machine learning model to determine whether the communication between the agent and the user was malicious. if the communication was not malicious, the system removes the user account from the sandbox context and effects grant of resource access. otherwise, the system reports the agent and the user account for further processing for attempts to obtain unauthorized user access.
Capital One Services, LLC patent applications on March 13th, 2025
- Capital One Services, LLC
- G06F8/73
- CPC G06F8/73
- Capital one services, llc
- G06F9/451
- G06N20/00
- CPC G06F9/451
- G06Q20/32
- G06Q20/38
- H04W4/02
- CPC G06F9/454
- G06F9/48
- CPC G06F9/48
- G06F16/2455
- CPC G06F16/24553
- G06F18/2325
- CPC G06F18/2325
- G06N3/0455
- G06N3/08
- CPC G06N3/0455
- G06N3/098
- CPC G06N3/098
- CPC G06N20/00
- G06N20/20
- CPC G06N20/20
- G06Q20/34
- G06Q20/40
- CPC G06Q20/351
- CPC G06Q20/352
- G06F21/31
- H04L9/40
- H04W12/00
- H04W12/06
- CPC G06Q20/4016
- G06Q30/018
- CPC G06Q30/0185
- G06Q30/0251
- G06F16/2457
- G06F16/9535
- CPC G06Q30/0271
- G06Q30/0601
- G06Q10/087
- CPC G06Q30/0627
- G06Q30/08
- CPC G06Q30/08
- G06Q40/02
- CPC G06Q40/02
- G06V20/00
- G06T7/00
- G06V10/10
- G06V10/82
- G06V30/19
- G06V30/414
- G06V30/418
- CPC G06V20/95
- G09B21/00
- G06F3/04847
- G06F3/0485
- G06F40/109
- G10L15/22
- CPC G09B21/008
- H04L9/32
- G06Q30/0207
- G06Q30/0226
- G06Q30/0241
- H04L9/08
- H04L9/14
- CPC H04L9/3234
- H04L69/22
- CPC H04L63/08
- G06F21/53
- CPC H04L63/1441
