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    Systems and methods for building blockchains for verifying assets for smart contracts
    1.
    发明授权
    Systems and methods for building blockchains for verifying assets for smart contracts 有权

    公开(公告)号：US12229778B2

    公开(公告)日：2025-02-18

    申请号：US16901718

    申请日：2020-06-15

    Applicant: Capital One Services, LLC

    Inventor： Jeffrey Rule ,  Abdelkader Benkreira ,  Rajko Ilincic ,  William Carroll

    IPC: G06Q20/40 ,  H04L9/00 ,  H04L9/06

    Abstract: Systems and methods build blockchains and verify assets for smart contracts. A system includes a memory, a blockchain, a set of nodes, a set of verifiers, a set of miners, and a consensus protocol. The memory can have a block data structure representing a transaction for an asset having an identifier and at least one verifiable characteristic. The consensus protocol can include rules for: receiving the stake at risk from the verifiers, providing the reputational score to the verifiers, verifying the verifiable characteristic of the asset by the verifiers, cryptographic verification by the miners, adding the new block to the blockchain by the miners, providing the reward to the miners, and distributing the copy of the blockchain to each node.

    Systems and methods for data access control of personal user data using a short-range transceiver
    2.
    发明授权
    Systems and methods for data access control of personal user data using a short-range transceiver 有权

    公开(公告)号：US12174991B2

    公开(公告)日：2024-12-24

    申请号：US17307870

    申请日：2021-05-04

    Applicant: Capital One Services, LLC

    Inventor： Rajko Ilincic ,  Jeffrey Rule

    IPC: G06F21/62 ,  G06F21/60 ,  H04L9/08 ,  H04L9/32

    Abstract: Systems and methods for controlling data access through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. An exemplary system and method may include establishing a database storing identifiers and keys for users and service providers, receiving from a client device of the service provider, via a network, a service provider token and a request for a data access key, the request generated in response to a tap action between a contactless card associated with a user and the client device, verifying the service provider is authorized to receive access to personal user data encrypted and stored on the contactless card, generating a data access key based on a user key, and transmitting to the service provider client device, via the network, the data access key, such that the client device may decrypt the personal user data obtained from the contactless card.

    Systems and methods for cryptographic authentication of contactless cards
    4.
    发明授权
    Systems and methods for cryptographic authentication of contactless cards 有权

    公开(公告)号：US12147977B2

    公开(公告)日：2024-11-19

    申请号：US17518046

    申请日：2021-11-03

    Applicant: Capital One Services, LLC

    Inventor： Kevin Osborn ,  Jeffrey Rule ,  James Ashfield ,  Srinivasa Chigurupati

    IPC: G06Q20/38 ,  G06Q20/34 ,  H04L9/08

    Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.

    SYSTEMS AND METHODS FOR PROVISIONING TRANSACTION CARDS TO MULTIPLE MERCHANTS
    5.
    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

    Applicant: Capital One Services, LLC

    Inventor： Kaush Kumar ,  Jeffrey Rule ,  Jinlian Wang

    IPC: G06Q20/34 ,  G06Q20/40

    CPC classification number: G06Q20/352 ,  G06Q20/401 ,  G06Q2220/00

    Abstract: 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
    6.
    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

    Applicant: Capital One Services, LLC

    Inventor： Lawrence Douglas ,  Jeffrey Rule ,  Jackson Macomber

    IPC: H04L9/40 ,  H04L41/16

    CPC classification number: H04L63/1425 ,  H04L41/16 ,  H04L63/107

    Abstract: 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
    8.
    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

    Applicant: Capital One Services, LLC

    Inventor： Kevin Osborn ,  Jeffrey Rule

    IPC: H04L9/08 ,  H04L9/30

    CPC classification number: H04L9/088 ,  H04L9/30

    Abstract: 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
    10.
    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

    Applicant: Capital One Services, LLC

    Inventor： Jeffrey Rule

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

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

    Abstract: 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.

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