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公开(公告)号:US11900354B2
公开(公告)日:2024-02-13
申请号:US17961232
申请日:2022-10-06
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: Adam R. Koeppel , James Zarakas , Molly Johnson , Tyler Locke , Rajko Ilincic , Kevan Emmott
CPC classification number: G06Q20/3278 , G06Q20/3224 , G06Q20/382
Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.
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公开(公告)号:US11494757B2
公开(公告)日:2022-11-08
申请号:US16169768
申请日:2018-10-24
Applicant: Capital One Services, LLC
Inventor: Adam R. Koeppel , James Zarakas , Molly Johnson , Tyler Locke , Rajko Ilincic , Kevan Emmott
Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include receiving a command configured to be executed by an external user device. The external user device and the user device may be members of a network of trust. The processing may include detecting, by the wireless transceiver, a plurality of member devices of the network of trust in communication range of the device. The processing may include sending, by the wireless transceiver, the command to each of the plurality of member devices.
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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:US11488166B2
公开(公告)日:2022-11-01
申请号:US16238296
申请日:2019-01-02
Applicant: Capital One Services, LLC
Inventor: Joshua Edwards , Abdelkader M'Hamed Benkreira , Kevan Emmott , Michael Mossoba
Abstract: A biometric heartrate authentication system and method is disclosed that leverages heartrate information collected by heartrate tracking devices to build a heartrate profile for a client. The system further leverages location information collected by existing location information services to determine an activity profile for a client. The activity profile information may be used together with the heartrate profile to generate an expected heartrate range against which a cardholder heartrate may be compared for authentication purposes. Because client heartrate characteristics are generally unique, varying according to the unique activities being performed by the client at any point in time, the system and method thus provide a low cost, non-invasive method for reliably authenticating individuals and securing against fraudulent account accesses.
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公开(公告)号:US11250501B2
公开(公告)日:2022-02-15
申请号:US16107480
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 system for managing transactions from a financial services computer network. The system has a scalable architecture, and includes a database, one or more processors, a plurality of experience matchers, and a transaction hub. Each experience matcher is associated with a different experience set type, and can receive a transaction list and return an identified experience set. The transaction hub can communicate with multiple experience matchers, and can receive experience sets from the matchers after sending them a list of transactions.
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公开(公告)号:US20210026659A1
公开(公告)日:2021-01-28
申请号:US17013216
申请日:2020-09-04
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
IPC: G06F9/451 , G06F3/0482 , G06F9/445 , G06K9/00
Abstract: First data indicative of a first plurality of transactions by a user may be processed to generate first behavioral information describing the user. The first behavioral information may be displayed by an interactive user interface. A user input made in response to the first behavioral information may be received and analyzed to generate user preference information indicating a relationship between the first user input and the first behavioral information. Second data indicative of a second plurality of transactions by the user may be received and processed with the user preference information to generate second behavioral information describing the user. The second behavioral information may be displayed by the interactive user interface differently from the first behavioral information by the interactive user interface as a result of the processing of the second data and the user preference information together.
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公开(公告)号:US10588175B1
公开(公告)日:2020-03-10
申请号:US16169765
申请日:2018-10-24
Applicant: Capital One Services, LLC
Inventor: Adam R. Koeppel , James Zarakas , Molly Johnson , Tyler Locke , Rajko Ilincic , Kevan Emmott
Abstract: A device may include a processor, a wireless transceiver in communication with the processor, and a non-transitory memory. The memory may store instructions that, when executed by the processor, cause the processor to perform processing. The processing may include detecting, using the wireless transceiver, at least one external device in communication range of the device. The processing may include receiving, by the wireless transceiver, at least one external device identifier from the at least one external device. The processing may include verifying the at least one external device identifier. The verifying may include locating the at least one device identifier in a blockchain record of a transaction involving the at least one external device. The processing may include performing at least one transaction requiring the verified at least one external device identifier.
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公开(公告)号:US20200065894A1
公开(公告)日:2020-02-27
申请号:US16107480
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 system for managing transactions from a financial services computer network. The system has a scalable architecture, and includes a database, one or more processors, a plurality of experience matchers, and a transaction hub. Each experience matcher is associated with a different experience set type, and can receive a transaction list and return an identified experience set. The transaction hub can communicate with multiple experience matchers, and can receive experience sets from the matchers after sending them a list of transactions.
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公开(公告)号:US12056762B2
公开(公告)日:2024-08-06
申请号:US17651032
申请日:2022-02-14
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 system for managing transactions from a financial services computer network. The system has a scalable architecture, and includes a database, one or more processors, a plurality of experience matchers, and a transaction hub. Each experience matcher is associated with a different experience set type, and can receive a transaction list and return an identified experience set. The transaction hub can communicate with multiple experience matchers, and can receive experience sets from the matchers after sending them a list of transactions.
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公开(公告)号:US11907932B2
公开(公告)日:2024-02-20
申请号:US17971070
申请日:2022-10-21
Applicant: Capital One Services, LLC
Inventor: Jeffrey Rule , Kevan Emmott
CPC classification number: G06Q20/3552 , G06Q20/3276 , G06Q20/352 , G06Q20/3558 , G06Q40/02 , G06T19/006
Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.
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