公开(公告)号：US20230153776A1

公开(公告)日：2023-05-18

申请号：US17530164

申请日：2021-11-18

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Michael Mossoba ,  Asher Smith-Rose ,  Zviad Aznaurashvili

IPC: G06Q20/12 ,  G06Q20/38 ,  G06T19/00

CPC classification number: G06Q20/1235 ,  G06Q20/389 ,  G06T19/006 ,  G06Q2220/00

Abstract: A gifter initiates a digital gift reward for a giftee at a location. The digital gift reward is generated and associated with the location. The giftee is notified either when the digital gift reward is generated and/or when the giftee is near the location of the digital gift reward. The giftee receives instructions for claiming the digital gift reward, the instructions include conditions for transferring the digital gift reward to the giftee. The giftee can receive directions for navigating to the digital gift reward. The directions can be augmented reality based directions. When the conditions are satisfied, the digital gift reward can be transferred from the gifter's account to the giftee's account. The gifter may earn a gifting reward upon transfer of the digital gift reward. The gifting reward can be transferred to the gifter's account. The accounts are updated to reflect all transfers.

公开(公告)号：US11546183B2

公开(公告)日：2023-01-03

申请号：US17674153

申请日：2022-02-17

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Zviad Aznaurashvili ,  Timur Sherif ,  Steve Blanchet

IPC: G06F15/16 ,  H04L12/18 ,  G06F16/907 ,  G06Q10/00 ,  G06Q10/10

Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.

公开(公告)号：US20220335468A1

公开(公告)日：2022-10-20

申请号：US17230681

申请日：2021-04-14

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Tao Lin ,  Christopher Wu

IPC: G06Q30/02 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/34

Abstract: Aspects described herein allow for systems and methods for spending reward points utilizing payment tokens and verifying reward payment tokens in cross-site transactions for reward purchases. The reward payment token system may include one or more of a reward payment token server, a merchant server, or one or more devices all connected via the network. The reward payment token server may include one or more of the following components: a reward payment token engine, a token translation engine, a rewards engine, a reward payment token database, or a rewards database. The reward payment token system and reward payment token server provide the unique capability of providing real-time spending of rewards without the customer having a pre-existing relationship and/or integration between the two businesses.

公开(公告)号：US20220173921A1

公开(公告)日：2022-06-02

申请号：US17674153

申请日：2022-02-17

Applicant: Capital One Services, LLC

Inventor： Hannes JOUHIKAINEN ,  Zviad Aznaurashvili ,  Timur Sherif ,  Steve Blanchet

IPC: H04L12/18 ,  G06F16/907 ,  G06Q10/00 ,  G06Q10/10

Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.

公开(公告)号：US20210326671A1

公开(公告)日：2021-10-21

申请号：US17327854

申请日：2021-05-24

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Cara Weikel ,  Steve Blanchet ,  Kevin Osborn

IPC: G06K19/077 ,  G06Q20/34 ,  B42D25/378 ,  G07F7/08

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digital engage with the financial institution.

公开(公告)号：US20210209438A1

公开(公告)日：2021-07-08

申请号：US16735782

申请日：2020-01-07

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Cara Weikel ,  Steve Blanchet ,  Kevin Osborn

IPC: G06K19/077 ,  G06Q20/34 ,  B42D25/378 ,  G07F7/08

Abstract: Methods and systems disclosed herein may communicate information, such as alerts and notifications, to a cardholder via a color-changing transaction card. In particular, the cardholder may configure one or more thresholds that establish when a transaction card may change colors. For instance, a transaction card may change colors at, or while approaching, a first threshold. The transaction card may change colors at, or while approaching, a second threshold. When the cardholder's balance goes below the thresholds, the transaction card may revert back to the lower threshold color or the original color of the transaction card. Using the techniques described herein a financial institution may convey information to a cardholder in a way that does not require the cardholder to digital engage with the financial institution.

公开(公告)号：US20200267143A1

公开(公告)日：2020-08-20

申请号：US16861974

申请日：2020-04-29

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Timur Sherif ,  Steve Blanchet ,  Hannes Jouhikainen ,  Zviad Aznaurashvili

IPC: H04L29/06 ,  H04W12/06 ,  H04W4/02 ,  H04W4/40 ,  G07C5/00

Abstract: Multi-factor authentication systems and methods are provided that include receiving a request to authenticate a user of a mobile device. The request for authentication may include credential information associated with the user and vehicle data. A determination may be made regarding whether the vehicle data was obtained from a vehicle via the mobile device. The received vehicle data and received credential information may be compared to stored data. When there is a match between the received vehicle data and received credential information and corresponding stored data, a notification may be provided to the user device, indicating that the user has been authenticated.

公开(公告)号：US20200096730A1

公开(公告)日：2020-03-26

申请号：US16686721

申请日：2019-11-18

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Timur Sherif ,  Steve Blanchet ,  Zviad Aznaurashvili

IPC: G02B7/10 ,  G02B7/04 ,  G02B7/02

Abstract: A user device may receive sensor data relating to one or more physical objects, transmit the sensor data to a server, receive a user profile relating to a user of the device, identify a user interface element corresponding to an application, modify the user interface element based on the user profile, and display the modified user interface element. A server may receive data relating to one or more physical objects, identify the one or more design patterns based on the one or more physical objects, create a user profile, update the user profile, receive application data relating to one or more applications running on a device remote from the server, identify a user interface element corresponding to the one or more applications running on the device, modify the user interface element based on the updated user profile, and transmit the modified user interface element to the device.

公开(公告)号：US10481761B2

公开(公告)日：2019-11-19

申请号：US15947553

申请日：2018-04-06

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Timur Sherif ,  Steve Blanchet ,  Zviad Aznaurashvili

IPC: G06F3/0481 ,  G06F9/451 ,  G06F17/21 ,  G06F8/38 ,  G06F16/735

Abstract: A user device may receive sensor data relating to one or more physical objects, transmit the sensor data to a server, receive a user profile relating to a user of the device, identify a user interface element corresponding to an application, modify the user interface element based on the user profile, and display the modified user interface element. A server may receive data relating to one or more physical objects, identify the one or more design patterns based on the one or more physical objects, create a user profile, update the user profile, receive application data relating to one or more applications running on a device remote from the server, identify a user interface element corresponding to the one or more applications running on the device, modify the user interface element based on the updated user profile, and transmit the modified user interface element to the device.

公开(公告)号：US20190310762A1

公开(公告)日：2019-10-10

申请号：US15947553

申请日：2018-04-06

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Timur Sherif ,  Steve Blanchet ,  Zviad Aznaurashvili

IPC: G06F3/0481 ,  G06F9/451 ,  G06F8/38 ,  G06F17/21 ,  G06F17/30

Abstract: A user device may receive sensor data relating to one or more physical objects, transmit the sensor data to a server, receive a user profile relating to a user of the device, identify a user interface element corresponding to an application, modify the user interface element based on the user profile, and display the modified user interface element. A server may receive data relating to one or more physical objects, identify the one or more design patterns based on the one or more physical objects, create a user profile, update the user profile, receive application data relating to one or more applications running on a device remote from the server, identify a user interface element corresponding to the one or more applications running on the device, modify the user interface element based on the updated user profile, and transmit the modified user interface element to the device.