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    Systems and Methods for Secure Authentication of Online Transactions Using Tokens
    31.
    发明申请
    Systems and Methods for Secure Authentication of Online Transactions Using Tokens 有权

    公开(公告)号：US20210304184A1

    公开(公告)日：2021-09-30

    申请号：US17228639

    申请日：2021-04-12

    Applicant: CAPITAL ONE SERVICES, LLC

    Inventor： Drew Jacobs ,  Daniel Beck ,  Hannes Jouhikainen

    IPC: G06Q20/32 ,  G06Q20/36 ,  G06Q20/38

    Abstract: Methods and systems are provided for secure payment using tokens. Consistent with disclosed embodiments, a token may be used to authenticate a transaction. The token may include token information configured to replace at least a portion of static information required to authenticate a transaction. A financial services system may provide the token to a digital wallet. The digital wallet may communicate the token to a payment application. A user-associated device may implement the digital wallet and a payment device may implement the payment application. The payment application may provide the token information to a merchant system. The merchant system may provide the token information to the financial services system. The financial services system may authenticate the transaction using the token information received from the merchant system. The disclosed methods may further include determining the proximity of the user-associated device and the payment device to authenticate the request for secure payment.

    Automatic exchange of information for vehicle accidents
    32.
    发明授权
    Automatic exchange of information for vehicle accidents 有权

    公开(公告)号：US10796376B2

    公开(公告)日：2020-10-06

    申请号：US16053529

    申请日：2018-08-02

    Applicant: Capital One Services, LLC

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

    IPC: G06Q40/08 ,  G06Q50/26

    Abstract: A server device may receive, from a first user device, a first set of information regarding a first accident involving a first vehicle, and from a second user device, a second set of information regarding a second accident involving a second vehicle. The first user device may relate to a first user associated with a first policy issued by a first policy provider. The second user device may relate to a second user associated with a second policy issued by a second policy provider. The server device may determine that the first accident corresponds to the second accident, obtain first policy data relating to the first policy, and second policy data relating to the second policy, and cause the first policy data to be provided to the second user device, and the second policy data to be provided to the first user device.

    Systems and methods for managing electronic tip data to provide merchant reviews
    34.
    发明授权
    Systems and methods for managing electronic tip data to provide merchant reviews 有权

    公开(公告)号：US10607265B2

    公开(公告)日：2020-03-31

    申请号：US16059014

    申请日：2018-08-08

    Applicant: CAPITAL ONE SERVICES, LLC

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

    IPC: G06Q10/10 ,  G06Q10/06 ,  G06Q30/02 ,  G06Q30/06 ,  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.

    SYSTEMS AND METHODS OF AUTHENTICATION USING VEHICLE DATA
    35.
    发明申请
    SYSTEMS AND METHODS OF AUTHENTICATION USING VEHICLE DATA 审中-公开

    公开(公告)号：US20200076796A1

    公开(公告)日：2020-03-05

    申请号：US16131131

    申请日：2018-09-14

    Applicant: CAPITAL ONE SERVICES, LLC

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

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

    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.

    Auto-generated Synthetic Identities for Simulating Population Dynamics to Detect Fraudulent Activity
    37.
    发明申请
    Auto-generated Synthetic Identities for Simulating Population Dynamics to Detect Fraudulent Activity 审中-公开

    公开(公告)号：US20190281086A1

    公开(公告)日：2019-09-12

    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 ,  G06Q50/26

    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.

    Systems and methods for wardrobe management
    38.
    发明授权
    Systems and methods for wardrobe management 有权

    公开(公告)号：US10282772B2

    公开(公告)日：2019-05-07

    申请号：US15665913

    申请日：2017-08-01

    Applicant: CAPITAL ONE SERVICES, LLC

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

    IPC: G06Q30/00 ,  G06Q30/06 ,  G06Q10/08

    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. The system may provide a virtual wardrobe management system. The system may store wardrobe data associated with a plurality of garments. The system may then receive input data indicative of a garment selection. The system may identify the garment based on the input data received. The system may then generate a garment recommendation based on the selected garment and the stored wardrobe data and provide an indication of the recommendation to a computing device.

    System and method for a kiosk in the mobile OS
    40.
    发明授权
    System and method for a kiosk in the mobile OS 有权

    公开(公告)号：US12211075B2

    公开(公告)日：2025-01-28

    申请号：US18492679

    申请日：2023-10-23

    Applicant: Capital One Services, LLC

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

    IPC: G06Q30/00 ,  G06Q30/0601

    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, an authentication module associated with the kiosk processor that receives customer data and customer input associated with an authentication request 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.

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