公开(公告)号：US12254117B2

公开(公告)日：2025-03-18

申请号：US17650315

申请日：2022-02-08

Applicant: Capital One Services, LLC

Inventor： Michael Mossoba ,  Zoe Fisch ,  Timur Sherif

IPC: G06F21/62 ,  H04L9/40

Abstract: In some implementations, a user device may detect a communication associated with the user device and a user. The user device may analyze, using a machine learning model, a context of the communication to determine a risk score associated with the communication, the risk score indicating a likelihood that the communication is associated with a fraudulent actor attempting to solicit sensitive information from the user. The user device may monitor the communication to identify a trigger in the communication that indicates that sensitive information is to be shared, wherein monitoring the communication includes performing one or more operations to secure the communication based on the risk score satisfying one or more thresholds. The user device may detect, based on monitoring the communication, a portion of the communication that includes the sensitive information. The user device may obfuscate the portion of the communication.

公开(公告)号：US12147992B2

公开(公告)日：2024-11-19

申请号：US17161223

申请日：2021-01-28

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Michael Mossoba ,  Cara Weikel

IPC: G06Q30/018 ,  G06Q30/02 ,  H04L9/32 ,  H04L67/55

Abstract: A system can include, for example, a secure data module(s) configured to store sensitive data regarding the user(s), a synthetic dataset generating module(s) configured to generate the synthetic dataset based on the sensitive data, and a control module configured to receive a request from an application for a dataset related to the user(s), provide the request to the synthetic dataset generating module(s), receive the synthetic dataset from the synthetic dataset generating module(s), and provide the synthetic dataset to the application. The synthetic dataset generating module(s) can be configured to generate the synthetic dataset based on the dataset.

公开(公告)号：US12125015B2

公开(公告)日：2024-10-22

申请号：US18382352

申请日：2023-10-20

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Matthew Kloster ,  Tao Lin ,  Kevin Osborn

IPC: G06Q20/20 ,  G06F13/42 ,  G06Q20/38

CPC classification number: G06Q20/204 ,  G06F13/4282 ,  G06Q20/382 ,  G06F2213/0042

Abstract: A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.

公开(公告)号：US12045818B2

公开(公告)日：2024-07-23

申请号：US17649724

申请日：2022-02-02

Applicant: Capital One Services, LLC

Inventor： Michael Mossoba ,  Sophie Bermudez ,  Timur Sherif

IPC: G06Q20/40 ,  G06Q50/00

CPC classification number: G06Q20/4014 ,  G06Q50/01

Abstract: In some implementations, an identity verification device may receive a request to verify an identity associated with a user accessing a social media account to share information on a social media platform. The identity verification device may generate, based on the request, a virtual credential linked to a primary credential associated with a financial account belonging to a holder of the social media account. The virtual credential may be used in an identity verification transaction to prove that the user accessing the social media account has access to the financial account associated with the social media account holder. The identity verification device may store a record indicating that the virtual credential was used to conduct the identity verification transaction and may provide, to the social media platform, information to verify the identity associated with the user accessing the social media account based on the record.

公开(公告)号：US11838142B2

公开(公告)日：2023-12-05

申请号：US18148589

申请日：2022-12-30

Applicant: Capital One Services, LLC

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

IPC: H04L12/18 ,  G06F16/907 ,  G06Q10/00 ,  G06Q10/109

CPC classification number: H04L12/1831 ,  G06F16/907 ,  G06Q10/00 ,  G06Q10/109 ,  H04L12/1818

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：US11443292B2

公开(公告)日：2022-09-13

申请号：US16528991

申请日：2019-08-01

Applicant: Capital One Services, LLC.

Inventor： Timur Sherif ,  Matthew Kloster ,  Tao Lin ,  Kevin Osborn

IPC: G06Q20/20 ,  G06Q20/38 ,  G06F13/42

Abstract: A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.

公开(公告)号：US11366995B2

公开(公告)日：2022-06-21

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: G06K5/00 ,  G06F17/00 ,  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 digitally engage with the financial institution.

公开(公告)号：US11055593B1

公开(公告)日：2021-07-06

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: G06K5/00 ,  G06K7/08 ,  G06K19/077 ,  B42D25/378 ,  G07F7/08 ,  G06Q20/34

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：US10484426B2

公开(公告)日：2019-11-19

申请号：US16298170

申请日：2019-03-11

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Hannes Jouhikainen ,  Steve Blanchet

IPC: H04L29/06 ,  H04L9/32 ,  G06Q50/26 ,  G06F21/00 ,  H04W12/12

Abstract: Embodiments disclosed herein generally relate to a system and method for detecting fraudulent computer activity. A computing system generates a plurality of synthetic identities. Each of the plurality of synthetic identities mimics information associated with a verified identity. The computing system receives, from a user, an input attempt. The input attempt includes a synthetic identity of the plurality of synthetic identities. The computing system compares input information in the input attempt to the plurality of synthetic identities. The computing system determines that the input information in the input attempt includes information from the plurality of synthetic identities, if it does, the computing system rejects the input attempt.

公开(公告)号：US20190278377A1

公开(公告)日：2019-09-12

申请号：US15916809

申请日：2018-03-09

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Timur Sherif ,  Steve Blanchet

IPC: G06F3/01 ,  G06K9/00 ,  H04N21/44 ,  G06Q40/00 ,  G06F3/048

Abstract: Embodiments disclosed herein generally relate to a method and system of generating text input via facial recognition. A computing system receives a video stream of a user operating an application on a client device. The video stream includes a time series of images of the user. The computing system parses the video stream to identify one or more visual cues of the user. The computing system identifies a current page of the application. The computing system maps the identified on or more visual cues to an operation available on the current page of the application. The computing system executes the mapped operation.