Capital One Services, LLC patent applications on September 26th, 2024
Patent Applications by Capital One Services, LLC on September 26th, 2024
Capital One Services, LLC: 20 patent applications
Capital One Services, LLC has applied for patents in the areas of H04L9/40 (5), H04L9/08 (4), G06Q20/40 (3), G06F16/9535 (3), G06F21/62 (3) H04L63/0853 (2), H04L9/088 (2), G06F3/04886 (1), G06Q40/03 (1), H04L63/205 (1)
With keywords such as: user, device, token, based, data, receive, request, information, physical, and server in patent application abstracts.
Patent Applications by Capital One Services, LLC
Inventor(s): Joshua EDWARDS of Philadelphia PA (US) for capital one services, llc, Lauren FOX of Herndon VA (US) for capital one services, llc, Michael MOSSOBA of Great Falls VA (US) for capital one services, llc
IPC Code(s): G06F3/04886
CPC Code(s): G06F3/04886
Abstract: in some implementations, a user device may receive, from a first other device, a first message, wherein the first message includes information indicating an event associated with an account of a user of the user device. the user device may provide, based on receiving the first message, a virtual keyboard for display on a display screen of the user device. the user device may obtain, based on providing the virtual keyboard, particular input. the user device may send to a second other device, and based on the particular input, a second message, wherein sending the second message is to cause the second other device to perform one or more actions associated with the event that is associated with the account of the user.
Inventor(s): Dennis J. Mire of Dallas TX (US) for capital one services, llc, Puneet Goyal of Bangalore (IN) for capital one services, llc, Siddharth Gupta of Lucknow (IN) for capital one services, llc, Srinivas Kumar of Chennal (IN) for capital one services, llc, Deepak Sundararaj of Puneet (IN) for capital one services, llc, Oron Hazi of Dallas TX (US) for capital one services, llc
IPC Code(s): G06F16/242, G06F9/54, G06F16/21, G06F16/22, G06F16/2455, G06F16/9032
CPC Code(s): G06F16/2425
Abstract: a system, method, and computer-readable medium for proving feedback on database instructions, identifying, for example, existing patterns and providing suggested replacement instructions. this may have the effect of improving the efficiency of instructions used to create and/or manipulate databases. according to some aspects, these and other benefits may be achieved by parsing received instructions into an organizational structure, traversing the organizational structure for known patterns, and suggesting replacement patterns. in implementation, this may be effected by receiving one or more sets of known patterns and corresponding replacement patterns, parsing received instructions, comparing the known patterns with the parsed instructions, and providing suggested replacement patterns based on one or more known patterns matching the parsed instructions. a benefit of may include reducing cartesian products during the merging of tables.
Inventor(s): Vivin DESHPANDE of Virginia Beach VA (US) for capital one services, llc, Rohit SHARMA of Sterling VA (US) for capital one services, llc, Ashish Kumar ROY of Richmond VA (US) for capital one services, llc, Nicholas ZOLNOOR of Fairfax VA (US) for capital one services, llc, Gurjeet CHINAYNA of Ashburn VA (US) for capital one services, llc
IPC Code(s): G06F16/9535, G06F21/62
CPC Code(s): G06F16/9535
Abstract: the systems and methods disclosed herein allow the cloud services to better apportion cloud resources between multiple cloud services recipients. the systems and methods accomplish this by both accessing the relevant data (e.g., despite existing security and/or access restrictions) as well as providing it in a short-form communication (e.g., in a format that is usable). the systems and methods accomplish this by first determining a dataset for generating a response to a query and then determining a portion of the dataset that is available to the user.
Inventor(s): Lukiih Cuan of Washington DC (US) for capital one services, llc, Daniel Li of Markham (CA) for capital one services, llc, Sruthi Kalpana Kattamuri of Herndon VA (US) for capital one services, llc, David D'lima of Arlington VA (US) for capital one services, llc
IPC Code(s): G06F21/62, G06F16/901
CPC Code(s): G06F21/6227
Abstract: a method includes receiving a permission request from a user to perform an operation in a computer environment. data elements of operations previously performed by a plurality of users are received. a set of operation types are generated by identifying data elements of operations previously performed by other users of the plurality of users having operation types performed by the user. the data elements in the set are mapped into a graph database. permission messages are generated with a correct response identified from a data attribute from a specific operation type previously performed by the user, and wrong responses identified from the specific operation type previously performed by the other users. an accumulated probability based on the permission respond message is computed using the graph database. the user is tagged based on the accumulated probability as a permissioned user for performing the operation, or a non-permissioned violator user.
Inventor(s): Dinesh SUNDARAM of Plano TX (US) for capital one services, llc, Rajaboopathy VIJAYARAGHAVAN of Carollton TX (US) for capital one services, llc, Sanjiv YAJNIK of Dallas TX (US) for capital one services, llc, Raman BAJAJ of Frisco TX (US) for capital one services, llc, Jacques MOREL of Colleyville TX (US) for capital one services, llc, Trent JONES of Mckinney TX (US) for capital one services, llc, Thomas SICKERT of Plano TX (US) for capital one services, llc, Jacob CREECH of Mckinney TX (US) for capital one services, llc, Alan ILANGO of Mckinney TX (US) for capital one services, llc, Alex BAIRD of Carrollton TX (US) for capital one services, llc, Vikramaditya REPAKA of Coppell TX (US) for capital one services, llc, Hala Salim EL-ALI of Murphy TX (US) for capital one services, llc
IPC Code(s): G06F21/62, G06F8/65, G06F8/71, G06F9/445, G06F9/54, G06F16/25, G06F16/955, G06F18/24, G06F21/53, G06F21/60, G06F40/103, G06F40/174, G06F40/18, G06K7/14, G06N3/02, G06N5/025, G06N20/00, G06Q10/10, G06Q20/38, G06Q20/40, G06Q30/018, G06Q30/0201, G06Q30/0601, G06Q40/02, G06Q40/03, G06Q50/26, H04L9/08, H04L9/40, H04L67/01
CPC Code(s): G06F21/6245
Abstract: the system and methods described herein allow users to apply for a purchase of a good from multiple providers using provider specific methodologies for generating offers for the product. for example, the system described herein may include a multi-layer architecture that includes interactive micro-services that communicate together in a bi-directional manner to create a normalized process for the purchase of a good, such as commercial goods/products (e.g. a vehicle) or real property. the micro-services may assess prequalification for a loan or financing for a good, followed by determining eligibility of the good for financing, and further followed by calculating pricing details for loans (e.g. for financing purchase of the good) that would be offered for a consumer's particular financial credentials, for each of a plurality of lenders. prequalification and pricing may be performed on a good by good basis, or for a plurality of goods near or substantially simultaneously.
Inventor(s): Arjun Srihari of Ashburn VA (US) for capital one services, llc, Erik Virbitsky of Washington DC (US) for capital one services, llc, Marisa Lee of Washington DC (US) for capital one services, llc, Girish Manchapanahalli of Fairfax VA (US) for capital one services, llc, Sabrina Nijim of Alexandria VA (US) for capital one services, llc
IPC Code(s): G06Q20/14, G06Q20/10, G06Q20/38
CPC Code(s): G06Q20/145
Abstract: systems, methods, and apparatuses for determining, based on historical transaction data, that past charges for a merchant service to an electronic payment method of a user correspond to a subscription type recurring transaction, and providing a user with options to manage the service are described. based on a machine learning model analyzing the historical transaction data comprising past charges for a service of a corresponding merchant of the plurality of merchants, generating a probability that the past charges for the service indicate a subscription type recurring transaction, for the service of the corresponding merchant. based on the probability exceeding a threshold, determining that the past charges correspond to a subscription type recurring transaction, an expected amount of an upcoming charge and an expected payment date for the upcoming charge. based on the determining, providing one or more options for a user to alter the subscription type service.
20240320656. TOKEN IDENTITY DEVICES_simplified_abstract_(capital one services, llc)
Inventor(s): Lawrence DOUGLAS of McLean VA (US) for capital one services, llc, Paul MORETON of Glen Allen VA (US) for capital one services, llc
IPC Code(s): G06Q20/36, G06Q50/26
CPC Code(s): G06Q20/363
Abstract: disclosed embodiments include methods, systems, and computer-readable media configured to provide wearable devices storing tokens associated with digital versions of physical documents/cards. the wearable devices may further transfer tokens securely to interested parties without bluetooth� or other network connectivity beyond nfc radio. in some embodiments, a token vault operator system may receive a request to establish a token vault account for a user, authenticate an identity of the user based at least on the received request, and generating a token vault id associated with the user. the token vault operator system may further configure access to data sets generated for and associated with the token vault id, generate tokens associated with the token vault id, each token corresponding to one of the one or more data sets, and provide the generated plurality of tokens associated with the token vault id to at least one user device.
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 at least one first security measure associated with a first physical access instrument, receiving a user request to replace the first physical access instrument, generating, in response to the user request, at least one second security measure different from the at least one first security measure, utilizing a communication link to instruct a physical access instrument generation module to generate a second physical access instrument to be dispensed to the user, and associating the second physical access instrument with the at least one second security measure.
Inventor(s): Aditya PAI of Brooklyn NY (US) for capital one services, llc, Brice ELDER of Allen TX (US) for capital one services, llc, Allison FENICHEL of Brooklyn NY (US) for capital one services, llc
IPC Code(s): G06Q20/40
CPC Code(s): G06Q20/40155
Abstract: in some implementations, an automated information transfer system may receive an indication of a location of the user device. the automated information transfer system may identify an interacting entity associated with the automated information transfer that is associated with a physical location that is within a threshold proximity of the location of the user device. the automated information transfer system may receive item-specific data associated with the automated information transfer. the automated information transfer system may identify one or more interaction terminals at the physical location associated with the interacting entity. the automated information transfer system may receive authorization information associated with the automated information transfer. the automated information transfer system may perform an action based on whether the authorization information indicates that the automated information transfer is at least one of authorized, conditionally authorized, not authorized, or conditionally not authorized.
Inventor(s): Jeremy HUANG of Plano TX (US) for capital one services, llc, Michelle EMAMDIE of Saint Augustine FL (US) for capital one services, llc, Derek BUMPAS of Allen TX (US) for capital one services, llc, Jiaxin GUO of Plano TX (US) for capital one services, llc, Qiaochu TANG of Frisco TX (US) for capital one services, llc
IPC Code(s): G06Q30/0601, G06F16/9535, G06F16/9536, G06Q30/0645
CPC Code(s): G06Q30/0629
Abstract: computer-implemented methods and systems include determining vehicle grades for a user by accessing a plurality of user platforms, identifying user-related content linked to the user via the user platforms, extracting user attributes based on the user-related content, applying weights to vehicle attributes in a vehicle recommendation engine, based on the extracted user attributes, generating the vehicle grades based on the weights, and providing the vehicle grades to the user via a vehicle grading platform.
Inventor(s): Xiaoguang Zhu of New York NY (US) for capital one services, llc, Lin Ni Lisa Cheng of New York NY (US) for capital one services, llc
IPC Code(s): G06Q40/03, G06N20/00, G06Q20/20
CPC Code(s): G06Q40/03
Abstract: a system may transmit an mlm to one or more entities. the system may receive, from the one or more entities, data associated with a plurality of customers, the data generated by the mlm. the system may train a federated deep nn based on the data. the system may receive, from a user, a first request for a loan. the system may generate, using the federated deep nn, a risk score associated with the user, wherein the risk score comprises a likelihood the user will satisfy condition(s) of the loan. the system may transmit, to lender(s), the risk score and a second request for loan option(s) for backing the first request for the loan. the system may receive, from the first lender(s), the loan option(s) for backing the first request for the loan, and may transmit the loan option(s) to the user.
Inventor(s): Samuel RAPOWITZ of Roswell GA (US) for capital one services, llc, Ashleigh CHOI of Arlington VA (US) for capital one services, llc, John JONES of Alexandria VA (US) for capital one services, llc, Armando MARTINEZ STONE of Arlington VA (US) for capital one services, llc, Andrew SHELTON of Alexandria VA (US) for capital one services, llc
IPC Code(s): G06T19/00, G06Q20/20, G06Q20/32, G06Q20/42, G06V10/44
CPC Code(s): G06T19/006
Abstract: in some implementations, an augmented reality device may establish a link with a transaction device. the augmented reality device may scan a surrounding environment to identify one or more objects in the surrounding environment using computer vision. the augmented reality device may determine, based on a notification that the transaction device was used to perform a transaction, a category associated with one or more objects that were identified in the surrounding environment at a time that the transaction was performed. the augmented reality device may send, to a transaction backend system, information that identifies a merchant category code (mcc) associated with the transaction based on the category associated with the one or more objects that were identified in the surrounding environment at the time that the transaction was performed.
Inventor(s): Kevin OSBORN of Newton MA (US) for capital one services, llc, Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc
IPC Code(s): G16H10/65, G16H50/30, H04L9/08, H04L9/32
CPC Code(s): G16H10/65
Abstract: systems, methods, articles of manufacture, and computer-readable media for verification of medical status using a contactless card. an application may receive a request specifying a subject and a medical condition. the application may receive a cryptogram from a contactless card. the application may receive a decryption result from a server and determine that the server decrypted the cryptogram. the application may receive, from the contactless card, a medical attestation, a digital signature of the medical attestation, and a public key of the digital signature. the application may decrypt the digital signature based on the public key of the digital signature and verify the medical attestation based on the decrypted digital signature. the application may determine, based on the verification of the medical attestation, that the subject is immune to the medical condition. the application may output a result that the subject is immune to the medical condition.
Inventor(s): Jeffrey RULE of Chevy Chase MD (US) for capital one services, llc, Jason JI of Reston VA (US) for capital one services, llc, Colin HART of Falls Church VA (US) for capital one services, llc, Wayne LUTZ of Fort Washington MD (US) for capital one services, llc
IPC Code(s): H04L9/08, H04L9/30
CPC Code(s): H04L9/088
Abstract: systems and methods for accessing a web application through a contactless card are provided. the systems include a contactless card, a user device, and a server. the methods comprise tapping a card to a user device, directing the user device to a server associated with a web application, transmitting an authentication credential, validating the credential, and allowing the user device to access the web application.
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
IPC Code(s): H04L9/08, H04L9/30
CPC Code(s): H04L9/088
Abstract: systems, methods, apparatuses, and computer-readable media for management of physical object authentication are described. for example, a system may include a physical object and an authentication device coupled to the physical object. the authentication device may include an antenna, a processor, a secure enclave comprising a private key uniquely associated with the physical object via a public key stored in a blockchain; and memory comprising instructions that, when executed by the processor, cause the processor to receive signals comprising a challenge element via the antenna, identify the challenge element as corresponding to a verification request, sign the challenge element with the private key to produce a verification token for authentication of the physical object, transmit signals comprising the verification token via the antennae, wherein the verification token enables authentication of the physical object via the public key stored in the blockchain. other embodiments are described.
Inventor(s): Bob Uni KOSHY of Henrico VA (US) for capital one services, llc, Thomas POOLE of Chantilly VA (US) for capital one services, llc, Michael MOSSOBA of Great Falls VA (US) for capital one services, llc
IPC Code(s): H04L9/40, G06K19/07
CPC Code(s): H04L63/0853
Abstract: the disclosed systems and techniques discussed herein include one or more servers receiving a request to authenticate a publisher's identity for publishing a post. a server receives encrypted data from a computing device, generated by a contactless card, and transmitted through the computing device. the server decrypts the encrypted data using a key associated with the contactless card. based on the decryption, the server authenticates the identity of the publisher. if the authentication is successful, the server sends an indication of the publisher's authenticity, which enables the display of a status symbol on the post as an indicator that the publisher's identity is verified.
Inventor(s): Tejen SHRESTHA of Denver CO (US) for capital one services, llc
IPC Code(s): H04L9/40
CPC Code(s): H04L63/0853
Abstract: in some implementations, a token client may transmit, to a token server, a request for a token associated with the front-end device and derived from a secret associated with the front-end device. the token client may receive, from the token server, the token in response to the request for the token and may transmit, to the front-end device, the token. the token client may determine an expiry associated with the token. the token client may transmit, to the token server, a request for a new token prior to the expiry associated with the token. the token client may receive, from the token server, the new token in response to the request for the new token and may transmit, to the front-end device, the new token.
Inventor(s): Danial MATEEN of Ruckersville VA (US) for capital one services, llc
IPC Code(s): H04L9/40
CPC Code(s): H04L63/1483
Abstract: systems and methods for blocking spoofed communications using hashed identity mappings to safeguard recipient privacy, prevent fraud, and for constant time lookup. the system may receive an incoming communication for a recipient. the system may search the sender identity for a suspicious pattern. the system may hold the incoming communication for further processing. the system may process the sender identity and communication data in a hashed identity mapping to determine an unknown hash, wherein the hashed identity mapping returns an unknown hash, given a sender identity and communication data from the communication. the system may process the unknown hash in an artificial intelligence model. the system may determine a likelihood the incoming communication is a spoofed communication. the system may compare the likelihood against a threshold. the system may display an alert in place of the sender identity. the system may block the incoming communication from reaching the recipient.
Inventor(s): Stephen CIRELLI of Chesterfield VA (US) for capital one services, llc, Daniel GIRARD of Chantilly VA (US) for capital one services, llc, Ellis HAMMER of Washington DC (US) for capital one services, llc
IPC Code(s): H04L9/40, G06F16/9535
CPC Code(s): H04L63/205
Abstract: a system is provided including a database and a server. the database stores a plurality of cloud computing service accounts created on a cloud computing platform, a plurality of roles associated with each cloud computing service account, and a plurality of policies associated with each role. the server is in data communication with the database and containing a role risk rating engine. the role risk rating engine is configured to: select a first role of the plurality of roles from the database; retrieve the plurality of policies associated with the first role; determine a risk rating for the first role based on the plurality of policies associated with the first role; store the risk rating of the first role in the database; receive a query requesting the risk rating of the first role; and in response to the query, transmit the risk rating of the first role.
Inventor(s): Christian BARTRAM of Orlando FL (US) for capital one services, llc, Connor CASON of Vienna VA (US) for capital one services, llc, Noriaki TATSUMI of Silver Spring MD (US) for capital one services, llc
IPC Code(s): H04L67/1029, G06F11/30, G06F11/34, H04L67/1008, H04L67/1012
CPC Code(s): H04L67/1029
Abstract: in some implementations, a system may monitor session data associated with a first module and a second module of a platform. the system may determine a rate of communication between the first module and the second module based on the session data. the system may determine, using an optimization model, a co-location score associated with the first module and the second module based on the rate of communication, wherein the co-location score indicates an impact of co-location of the first module and the second module. the system may determine that the co-location score satisfies a co-location score threshold associated with an improvement to an operation of the platform. the system may perform an action associated with co-locating the first module and the second module.
Capital One Services, LLC patent applications on September 26th, 2024
- Capital One Services, LLC
- G06F3/04886
- CPC G06F3/04886
- Capital one services, llc
- G06F16/242
- G06F9/54
- G06F16/21
- G06F16/22
- G06F16/2455
- G06F16/9032
- CPC G06F16/2425
- G06F16/9535
- G06F21/62
- CPC G06F16/9535
- G06F16/901
- CPC G06F21/6227
- G06F8/65
- G06F8/71
- G06F9/445
- G06F16/25
- G06F16/955
- G06F18/24
- G06F21/53
- G06F21/60
- G06F40/103
- G06F40/174
- G06F40/18
- G06K7/14
- G06N3/02
- G06N5/025
- G06N20/00
- G06Q10/10
- G06Q20/38
- G06Q20/40
- G06Q30/018
- G06Q30/0201
- G06Q30/0601
- G06Q40/02
- G06Q40/03
- G06Q50/26
- H04L9/08
- H04L9/40
- H04L67/01
- CPC G06F21/6245
- G06Q20/14
- G06Q20/10
- CPC G06Q20/145
- G06Q20/36
- CPC G06Q20/363
- CPC G06Q20/4012
- CPC G06Q20/40155
- G06F16/9536
- G06Q30/0645
- CPC G06Q30/0629
- G06Q20/20
- CPC G06Q40/03
- G06T19/00
- G06Q20/32
- G06Q20/42
- G06V10/44
- CPC G06T19/006
- G16H10/65
- G16H50/30
- H04L9/32
- CPC G16H10/65
- H04L9/30
- CPC H04L9/088
- G06K19/07
- CPC H04L63/0853
- CPC H04L63/1483
- CPC H04L63/205
- H04L67/1029
- G06F11/30
- G06F11/34
- H04L67/1008
- H04L67/1012
- CPC H04L67/1029
