公开(公告)号：US11763357B2

公开(公告)日：2023-09-19

申请号：US17333086

申请日：2021-05-28

Applicant: Capital One Services, LLC

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

IPC: G06Q10/10 ,  G06Q10/06 ,  G06Q30/06 ,  G06Q30/02 ,  G06Q30/0282 ,  G06Q30/0201 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q30/0203

CPC classification number: G06Q30/0282 ,  G06Q20/389 ,  G06Q20/40 ,  G06Q30/0201 ,  G06Q30/0203

Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.

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：US10963938B2

公开(公告)日：2021-03-30

申请号：US16576991

申请日：2019-09-20

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Karen Nickerson ,  Justin Wishne ,  Drew Jacobs ,  Justin Smith ,  Marco S. Giampaolo

IPC: G06Q30/00 ,  G06Q30/06 ,  G06Q10/08 ,  G06F16/29 ,  G06F16/9537 ,  G06F3/0484 ,  G06T11/00 ,  G06F3/14

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and generate virtual environmental data based on the environmental data. The system may then provide the virtual environmental data to at least a first computing device to create a virtual environment. The system may then receive user input, and modify the virtual environment to display enhanced content in response to the user input.

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：US10733646B2

公开(公告)日：2020-08-04

申请号：US15356801

申请日：2016-11-21

Applicant: Capital One Services, LLC

Inventor： Lawrence Douglas ,  Thomas S. Poole ,  Hannes Jouhikainen

IPC: G06Q30/00 ,  G06Q30/06

Abstract: A system and method include a kiosk processor, a device kiosk on a customer mobile device, which displays via a user interface, content and options for the customer from a third party customer service system, a customer interaction channel that receives, via an associated customer interaction network, a request to access the third party customer service system, via the device kiosk on a customer mobile device, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request via a network to authenticate the customer, identifies a customer mobile device based on device identifiers, and evaluates risk factors associated with the customer mobile device, and a communication interface associated with the kiosk processor, that transmits, via a push notification gateway, a push notification to the device kiosk on the customer mobile device that establishes, via the network, a secure connection between the customer mobile device and the third party customer service system.

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：US10475097B2

公开(公告)日：2019-11-12

申请号：US16170114

申请日：2018-10-25

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Karen Nickerson ,  Justin Wishne ,  Drew Jacobs ,  Justin Smith ,  Marco S. Giampaolo

IPC: G06Q30/00 ,  G06Q30/06 ,  G06Q10/08 ,  G06F16/29 ,  G06F16/9537 ,  G06F3/0484 ,  G06T11/00 ,  G06F3/14

Abstract: A system includes one or more memory devices storing instructions, and one or more processors configured to execute the instructions to perform steps of a method for providing an interactive virtual environment. The system may receive environmental data, and generate virtual environmental data based on the environmental data. The system may then provide the virtual environmental data to at least a first computing device to create a virtual environment. The system may then receive user input, and modify the virtual environment to display enhanced content in response to the user input.

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.

公开(公告)号：US10313358B2

公开(公告)日：2019-06-04

申请号：US15666318

申请日：2017-08-01

Applicant: Capital One Services, LLC

Inventor： Drew Jacobs ,  Hannes Jouhikainen

IPC: H04L29/08 ,  H04L29/06 ,  H04W4/02 ,  G06Q50/00 ,  H04W12/06 ,  H04W4/21 ,  H04W4/029

Abstract: Systems and methods are provided for authenticating a user of a computing device. An example system includes a memory storing instructions, and a processor configured to execute the instructions to receive an authentication request from a user of a computing device, determine a context of the authentication request, determine a physical location of the user, and perform, based on the context of the authentication request and the physical location of the user, an associate proximity detection. The associate proximity detection includes steps to identify an associate based on at least one of the context of the authentication request or the physical location of the user, determine a physical location of the identified known associate, and determine a proximity of the user to the identified known associate. The authentication request may be approved when the determined proximity is within a threshold.