公开(公告)号：US20200005364A1

公开(公告)日：2020-01-02

申请号：US16032926

申请日：2018-07-11

Applicant: Capital One Services, LLC

Inventor： Zviad AZNAURASHVILI ,  Timur SHERIF ,  Steve BLANCHET ,  Hannes JOUHIKAINEN

IPC: G06Q30/02 ,  H04L29/08 ,  G06K9/00 ,  G10L15/26 ,  G06F3/01 ,  G06F15/18

Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.

公开(公告)号：US20190342276A1

公开(公告)日：2019-11-07

申请号：US16191013

申请日：2018-11-14

Applicant: Capital One Services, LLC

Inventor： Timur SHERIF ,  Benjamin LINDQUIST

IPC: H04L29/06 ,  G06F21/45 ,  G06N3/08 ,  G06N3/04

Abstract: A system for verifying a user identity. The system comprises one or more memory devices storing instructions and one or more processors configured to execute the instructions. The processors are configured to receive information associated with an account of a user. The processors are further configured to generate a first profile, where the first profile being related to the user. The processors also receives an indication that the account is accessed by an accessor through an accessor device; and receive, from the accessor device, identity data comprising a plurality of data subsets associated with the accessor. The processors are configured to store the data subsets in respective clusters. The processors are further configured generate cluster analyses by analyzing the data subsets in respective clusters; and output the cluster analyses to node instances that weighs the cluster analyses outputs. The processors also generate a second profile, the second profile related to the accessor and being based on the received identity data and weighted cluster analysis. And the processors are configured to determine a likelihood factor that the accessor is the user based on a comparison of the first profile and the second profile.

公开(公告)号：US20240005309A1

公开(公告)日：2024-01-04

申请号：US17853499

申请日：2022-06-29

Applicant: Capital One Services, LLC

Inventor： Kevin OSBORN ,  Austin ERICKSON ,  Christopher WU ,  Timur SHERIF

IPC: G06Q20/36 ,  H04L9/08 ,  H04L9/32 ,  H04L9/00

CPC classification number: G06Q20/3678 ,  G06Q20/3674 ,  H04L9/0825 ,  H04L9/3213 ,  H04L9/50 ,  G06Q2220/00 ,  H04L2209/60

Abstract: Systems and methods related to a variable non-fungible token. A variable non-fungible token comprises a non-fungible token that is minted with an indication of a non-transferable ownership wallet (e.g., a digital wallet for which the non-fungible token is minted for), a non-transferable smart contract address that has permissions for updating metadata for the variable non-fungible token, and a metadata property threshold based on a specific user corresponding to the digital wallet.

公开(公告)号：US20230269248A1

公开(公告)日：2023-08-24

申请号：US18310485

申请日：2023-05-01

Applicant: Capital One Services, LLC

Inventor： Timur SHERIF ,  Steve BLANCHET ,  Hannes JOUHIKAINEN ,  Zviad AZNAURASHVILI

IPC: H04L9/40 ,  H04W12/06 ,  H04W4/02 ,  H04W4/40 ,  G07C5/00

CPC classification number: H04L63/0853 ,  H04L63/0861 ,  H04L63/0869 ,  H04W12/06 ,  H04W4/025 ,  H04W4/40 ,  H04L63/0428 ,  G07C5/008 ,  G06F2221/2111 ,  H04L2463/082

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：US20220237629A1

公开(公告)日：2022-07-28

申请号：US17161223

申请日：2021-01-28

Applicant: Capital One Services, LLC

Inventor： Timur SHERIF ,  Michael MOSSOBA ,  Cara WEIKEL

IPC: G06Q30/00 ,  G06Q30/02 ,  H04L9/32 ,  H04L29/08

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：US20210288949A1

公开(公告)日：2021-09-16

申请号：US17332266

申请日：2021-05-27

Applicant: Capital One Services, LLC

Inventor： Timur SHERIF ,  Benjamin LINDQUIST

IPC: H04L29/06 ,  G06F21/45

Abstract: A system for verifying a user identity. The system comprises one or more memory devices storing instructions and one or more processors configured to execute the instructions. The processors are configured to receive information associated with an account of a user. The processors are further configured to generate a first profile, where the first profile being related to the user. The processors also receives an indication that the account is accessed by an accessor through an accessor device; and receive, from the accessor device, identity data comprising a plurality of data subsets associated with the accessor. The processors are configured to store the data subsets in respective clusters. The processors are further configured generate cluster analyses by analyzing the data subsets in respective clusters; and output the cluster analyses to node instances that weighs the cluster analyses outputs. The processors also generate a second profile, the second profile related to the accessor and being based on the received identity data and weighted cluster analysis. And the processors are configured to determine a likelihood factor that the accessor is the user based on a comparison of the first profile and the second profile.

公开(公告)号：US20210287264A1

公开(公告)日：2021-09-16

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: G06Q30/02 ,  G06Q20/38 ,  G06Q20/40

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：US20210167980A1

公开(公告)日：2021-06-03

申请号：US17248914

申请日：2021-02-12

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：US20200051140A1

公开(公告)日：2020-02-13

申请号：US16193665

申请日：2018-11-16

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Timur SHERIF ,  Zviad AZNAURASHVILI ,  Hannes JOUHIKAINEN ,  Steve BLANCHET

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

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.