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公开(公告)号：US11763587B2
公开(公告)日：2023-09-19
申请号：US17303905
申请日：2021-06-10
Applicant: Capital One Services, LLC
Inventor： Francisco Perezleon , Molly Johnson , Colin Hart , Kaitlin Newman , Angelina Wu , Jason Ji , Joshua Edwards
CPC classification number: G06V30/416 , G06K7/10297 , G06Q20/341 , G06Q20/354 , G06Q20/409 , G06F18/22 , G06V30/10 , G06V40/172
Abstract: A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.
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公开(公告)号：US20230155999A1
公开(公告)日：2023-05-18
申请号：US18052747
申请日：2022-11-04
Applicant: Capital One Services, LLC
Inventor： Michael Mossoba , Joshua Edwards , Jason Ji , Ljubica Chatman , Carlos Eduardo Rodriguez
CPC classification number: H04L63/083 , G06F9/547
Abstract: Embodiments disclosed herein generally related to a system and method for assessing a fraud risk. In one embodiment, a method for assessing a fraud risk is disclosed herein. A web browser extension executing on the computing device identifies an account associated with the computing device. The web browser extension detects that the computing device navigated to a web page hosted by a third party server. The web browser extension determines that the third party server prompted the computing device to opt into two-factor authentication functionality. The web browser extension determines that the computing device did not opt into the two-factor authentication functionality. The web browser extension prompts, via an application programming interface (API), an organization computing system to update a fraud metric associated with the account.
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公开(公告)号：US11544717B2
公开(公告)日：2023-01-03
申请号：US17382541
申请日：2021-07-22
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Paul Moreton , Wayne Lutz , Jason Ji
IPC: G06Q20/00 , G06Q20/40 , G06F16/955 , G06Q20/34 , G06Q20/38
Abstract: A web browser may output a form comprising a payment field. A URL may be received from a communications interface of a contactless card, the URL comprising encrypted data generated by the contactless card based on a private key stored in a memory of the contactless card. An application may transmit the encrypted data to an authentication server, which may decrypt the encrypted data based on the private key. The application may receive, from a virtual account number server, a virtual account number. The application may receive an expiration date and a CVV. The application may copy the virtual account number to a clipboard of an OS. The OS may paste the virtual account number from the clipboard to the payment field of the form in the web browser. The OS may output a notification comprising the expiration date and the CVV associated with the virtual account number.
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公开(公告)号：US20220182380A1
公开(公告)日：2022-06-09
申请号：US17679259
申请日：2022-02-24
Applicant: Capital One Services, LLC
Inventor： Joshua Edwards , Jason Ji , Ljubica Chatman , Michael Mossoba , Carlos Rodriguez
Abstract: The disclosed technology includes systems and methods for determining secondary authentication of a user's log-in attempts by comparing received behavioral biometric data and/or received scenario-specific data to saved behavioral biometric data and/or saved scenario-specific data, respectively. Responsive to determining that the received behavioral biometric data and/or received scenario-specific data is above a predetermined threshold of similarity with respect to the saved behavioral biometric data and/or saved scenario-specific data, respectively, the systems and methods can determine that the corresponding log-in attempt is secondarily authenticated. of a user device via behavioral biometric data. Responsive to determining that the level of similarity is not above the predetermined threshold, the systems and methods can initiate a secondary authentication method and can associate the received behavioral biometric data with a second user model.
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公开(公告)号：US11321546B2
公开(公告)日：2022-05-03
申请号：US16942205
申请日：2020-07-29
Applicant: Capital One Services, LLC
Inventor： Jeffrey Rule , Daniel Herrington , Colin Hart , Kevin Osborn , Melissa Heng , Rajko Ilincic , Jason Ji
Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.
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Patent Agency Ranking
公开(公告)号：US11182756B2
公开(公告)日：2021-11-23
申请号：US16107571
申请日：2018-08-21
Applicant: Capital One Services, LLC
Inventor： Colin Hart , Jason Ji , Alexandra A. Colevas , Steven Quadros , Adnan Malik , Jared M. Alexander , Scott Golder , Allison Abbott , Matthew Horton , Emma Sagan , Kevan Emmott , Christine Ann Berglund
Abstract: Provided, in an aspect, is a method for improved management of transaction data from a financial services computer network. The method includes receiving details for a first purchase, detecting that the first purchase is a trigger purchase, obtaining secondary details for the first purchase, receiving details for a later-made second purchase and additional purchases made between the first purchase and second purchase, and determining that the first purchase and the second purchase belong to the same experience set and that the additional intervening purchases do not belong to the same experience set as the first purchase and the second purchase.
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公开(公告)号：US20210232672A1
公开(公告)日：2021-07-29
申请号：US16902538
申请日：2020-06-16
Applicant: Capital One Services, LLC
Inventor： Lukiih Cuan , Xiaoguang Zhu , Jason Ji
Abstract: In order to provide improved matching of records between different sources, systems and methods include generating a data link between a stored interaction profile of the user and activity data records that identify activities performed by the user. Online interaction data associated with the user is received, including tracking data indicative of online interactions with content. The online interaction data is stored in the stored interaction profile associated with the user. An activity model is used to predict correlation parameters representing groupings of online interactions of the online interaction data with activities performed by the user, where the prediction is based on the tracking data and each activity in the interaction profile. The interaction profile is updated with the groupings and user activities are authenticated based on the interaction profile.
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公开(公告)号：US11068583B2
公开(公告)日：2021-07-20
申请号：US16839220
申请日：2020-04-03
Applicant: Capital One Services, LLC
Inventor： Joshua Edwards , Michael Mossoba , Ljubica Chatman , Jason Ji , Carlos Rodriguez
Abstract: A device determines that a data breach of an application has been reported and determines that an individual has an account with the application based on identifying an association between an application identifier and a username the individual uses to access the application. The device receives, from a user device associated with the individual, password information used to access the application. The device uses the password information and usernames for a group of applications with which the individual has accounts to perform a login procedure for the group of applications to determine that login information for one or more of the applications includes the password information used to access the application affected by the data breach. The device provides, to the user device or another device, a recommendation to change the password information used to access the application and the one or more applications.
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公开(公告)号：US11057390B2
公开(公告)日：2021-07-06
申请号：US16593458
申请日：2019-10-04
Applicant: Capital One Services, LLC
Inventor： Taurean Butler , Christine Berglund , Adam Vukich , Jessica Greenberg , Colin Hart , Mykhaylo Bulgakov , Jason Ji , Kaylyn Gibilterra
Abstract: A method for providing a locked electronic item includes receiving a selection of an electronic lock and the electronic item from a first computing device associated with a sender. The electronic lock includes a lock clue and a lock solution. The method includes determining an answer input field configuration that includes a number of input boxes and spaces that may be arranged to correspond to the lock solution. The method includes transmitting the lock clue and the input field configuration to a second computing device associated with a recipient for display by the second computing device and receiving an attempted lock solution from the second computing device. The method further includes transmitting the electronic item to the second computing device for display or use by the second computing device in response to determining that the attempted lock solution matches the lock solution.
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公开(公告)号：US11037165B2
公开(公告)日：2021-06-15
申请号：US16594841
申请日：2019-10-07
Applicant: Capital One Services, LLC
Inventor： Francisco Perezleon , Molly Johnson , Colin Hart , Kaitlin Newman , Angelina Wu , Jason Ji , Joshua Edwards
Abstract: A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.
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