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    SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION CARDS TO MULTIPLE MERCHANTS
    1.
    发明公开
    SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION CARDS TO MULTIPLE MERCHANTS 审中-公开

    公开(公告)号：US20240354741A1

    公开(公告)日：2024-10-24

    申请号：US18136497

    申请日：2023-04-19

    申请人： Capital One Services, LLC

    发明人： Kaush Kumar ,  Jeffrey Rule ,  Jinlian Wang

    IPC分类号： G06Q20/34 ,  G06Q20/40

    CPC分类号： G06Q20/352 ,  G06Q20/401 ,  G06Q2220/00

    摘要： Systems, methods, apparatuses, and computer-readable media for provisioning transaction cards to multiple merchants from a single access point are described. For example, a method may include receiving a payment card number request, sending a contactless payment card step-up authentication request to the user device, receiving, from the user device, encrypted authentication information obtained from the contactless payment card in response to the contactless payment card step-up request, authenticating the encrypted authentication information received from the user device, granting a token to identify a communication session established with the merchant, which may enable a continued exchange of data with the merchant, and using the token to identify the respective communication session established with the merchant, providing account information to the merchant to associate a respective merchant account with a user of the contactless payment card.

    Machine learning for computer security
    2.
    发明授权
    Machine learning for computer security 有权

    公开(公告)号：US12113818B2

    公开(公告)日：2024-10-08

    申请号：US17812428

    申请日：2022-07-13

    申请人： Capital One Services, LLC

    发明人： Lawrence Douglas ,  Jeffrey Rule ,  Jackson Macomber

    IPC分类号： H04L9/40 ,  H04L41/16

    CPC分类号： H04L63/1425 ,  H04L41/16 ,  H04L63/107

    摘要： A computing system may obtain text corresponding to a conversation between an outside caller and an agent. The computing system may obtain data associated with the conversation that may be used to determine whether the outside caller is attempting malicious activity or not. The obtained text and data may be provided to a machine learning model to generate a probability score indicative of whether the outside caller is attempting to obtain unauthorized access or attempting other malicious activity. Based on determining that the probability score satisfies a threshold, the computing system may modify a permission (e.g., an API permission) of the agent. The computing system may deny the request to perform the action and may cause display of an indication that the request was successful.

    DEVICES AND METHODS FOR AUTHENTICATING PROPERTIES OF PHYSICAL OBJECTS
    4.
    发明公开
    DEVICES AND METHODS FOR AUTHENTICATING PROPERTIES OF PHYSICAL OBJECTS 审中-公开

    公开(公告)号：US20240323012A1

    公开(公告)日：2024-09-26

    申请号：US18124642

    申请日：2023-03-22

    申请人： Capital One Services, LLC

    发明人： Kevin Osborn ,  Jeffrey Rule

    IPC分类号： H04L9/08 ,  H04L9/30

    CPC分类号： H04L9/088 ,  H04L9/30

    摘要： Systems, methods, apparatuses, and computer-readable media for management of physical object authentication are described. For example, a system may include a physical object and an authentication device coupled to the physical object. The authentication device may include an antenna, a processor, a secure enclave comprising a private key uniquely associated with the physical object via a public key stored in a blockchain; and memory comprising instructions that, when executed by the processor, cause the processor to receive signals comprising a challenge element via the antenna, identify the challenge element as corresponding to a verification request, sign the challenge element with the private key to produce a verification token for authentication of the physical object, transmit signals comprising the verification token via the antennae, wherein the verification token enables authentication of the physical object via the public key stored in the blockchain. Other embodiments are described.

    System and method for augmented reality display of account information
    6.
    发明授权
    System and method for augmented reality display of account information 有权

    公开(公告)号：US12045832B2

    公开(公告)日：2024-07-23

    申请号：US18222342

    申请日：2023-07-14

    申请人： Capital One Services, LLC

    发明人： Jeffrey Rule

    IPC分类号： G06K19/07 ,  G06F18/22 ,  G06Q20/38 ,  G06Q20/40 ,  G06T7/70 ,  G06V20/20

    CPC分类号： G06Q20/409 ,  G06F18/22 ,  G06K19/07 ,  G06Q20/389 ,  G06T7/70 ,  G06V20/20 ,  G06Q2220/00

    摘要： A method is provided for displaying an augmented reality image of account information associated with an indicialess transaction card having a card surface with a background pattern applied thereto. A real-time image of the card surface is captured and processed to determine if the background pattern matches a card background pattern associated with a cardholder account. Responsive to a positive determination, communication is established between the user device processor and a card processor carried by the indicialess transaction card. The user device processor receives from the card processor an encrypted verification block and transmits, to an authentication server, an authentication request including the verification block. Responsive to receiving a positive authentication response, the user device constructs an augmented reality image comprising account indicia and displays the augmented reality image superimposed over the real-time image of the background pattern on the card surface of the indicialess transaction card.

    Tap to autofill card data
    7.
    发明授权
    Tap to autofill card data 有权

    公开(公告)号：US12014357B2

    公开(公告)日：2024-06-18

    申请号：US17398724

    申请日：2021-08-10

    申请人： Capital One Services, LLC

    发明人： Jeffrey Rule ,  Wayne Lutz ,  Paul Moreton

    IPC分类号： G06Q20/36 ,  G06Q20/34 ,  G06Q20/40

    CPC分类号： G06Q20/3567 ,  G06Q20/352 ,  G06Q20/363 ,  G06Q20/4018

    摘要： Various embodiments are generally directed to autofilling card data from a contactless card to a form of a computing device. An application may determine that a payment field of a form has received focus. The application may then receive encrypted data from a communications interface of a contactless card associated with an account. The application may then receive, from a server, verification of the encrypted data. The application may then receive, from the server, an encrypted account number associated with the account, and decrypt the encrypted account number to yield the account number. An autofill service of an operating system (OS) executing on the processor circuit, may then autofill the account number to the payment field of the form.

    Systems and methods for phone-based card activation
    8.
    发明授权
    Systems and methods for phone-based card activation 有权

    公开(公告)号：US12014353B2

    公开(公告)日：2024-06-18

    申请号：US17719191

    申请日：2022-04-12

    申请人： Capital One Services, LLC

    发明人： Jeffrey Rule ,  Melissa Heng ,  James Ashfield ,  Colin Hart ,  Rajko Ilincic ,  Wayne Lutz

    IPC分类号： G06Q20/34 ,  G06Q20/40

    CPC分类号： G06Q20/354 ,  G06Q20/352 ,  G06Q20/4018 ,  G06Q20/409

    摘要： Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.

    SYSTEMS AND METHODS FOR SHARING DATA
    10.
    发明公开
    SYSTEMS AND METHODS FOR SHARING DATA 审中-公开

    公开(公告)号：US20240086033A1

    公开(公告)日：2024-03-14

    申请号：US18471602

    申请日：2023-09-21

    申请人： Capital One Services, LLC

    发明人： Kevin Osborn ,  Jeffrey Rule ,  Bryant Yee

    IPC分类号： G06Q20/32 ,  G06F3/04817 ,  G06F3/0486 ,  G06T11/00

    CPC分类号： G06Q20/3224 ,  G06F3/04817 ,  G06F3/0486 ,  G06T11/00 ,  G06T2200/24

    摘要： Disclosed embodiments may include a system for sharing data. The system may direct a first user device to establish a respective wireless connection with second user devices. The system may cause the first user device to display, via a GUI, icons respectively corresponding to the second user devices. The system may track respective locations of the second user devices relative to the first user device, and may modify the GUI by repositioning the icons in the GUI based on the respective locations of each second user device relative to the first user device. The system may receive a request, from the first user device, to transfer data to a second user device of the second user devices based on a current position of an icon associated with the second user device in the modified GUI. The system may then transfer the data to the second user device.