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公开(公告)号：US20240152644A1
公开(公告)日：2024-05-09
申请号：US18411569
申请日：2024-01-12
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Kyle Johnson , Latika Gulati
CPC classification number: G06F21/6245 , G06Q20/227 , G06Q20/322 , G06Q20/34 , G06Q20/4014 , H04W76/10
Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.
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2.发明公开公开(公告)号：US20230239150A1
公开(公告)日：2023-07-27
申请号：US17581683
申请日：2022-01-21
Applicant: Capital One Services, LLC
Inventor： Lin Ni Lisa Cheng , Elisa-Michelle Rodriguez , Leeyat Bracha Tessler , Kyle Johnson , Angelina Wu , Rocky Guo , Michael Saia
CPC classification number: H04L9/3213 , H04L9/3236 , H04L9/0869 , H04L2209/56
Abstract: A method receiving an electronic data modification instruction of a virtual record modification to cause at least one data modification to at least one attribute of a virtual record data structure; determining at least one user record associated with the virtual record; determining at least one record modification preference associated with the at least one user record on the at least one modification condition; utilizing a record-specific modification machine learning model to predict at least one record-specific modification in response to the virtual record modification based on the one modification condition and the one record modification preference; generating an authorization instruction to authorize the electronic data modification instruction to cause the modification by instructing at least one database management system to modify the user record according to the record-specific modification; and instructing a computing device to display the record-specific modification to the at least one user record.
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公开(公告)号：US12192402B2
公开(公告)日：2025-01-07
申请号：US17869292
申请日：2022-07-20
Applicant: Capital One Services, LLC
Inventor： Salik Shah , Jennifer Kwok , Abhay Donthi , Dwij Trivedi , Leeyat Bracha Tessler
IPC: H04M3/22 , A61B5/0205
Abstract: Disclosed aspects and embodiments pertain to customer distress assistance. A call can be detected to a callee from a caller. The call can be analyzed and determined to be a fraud or spam risk. In response, callee monitoring is triggered. The monitoring can capture biometrics or speech of the callee. Distress in the callee can be determined through analysis of the biometrics or speech and comparison to reference biometrics or speech of the callee. An individual associated with the callee can be selected based on determining the distress in the customer. The individual can be contacted through a notification or a call to assist the callee in distress.
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公开(公告)号：US20240259492A1
公开(公告)日：2024-08-01
申请号：US18159908
申请日：2023-01-26
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Abhay Donthi , Salik Shah , Jennifer Kwok , Dwij Trivedi
CPC classification number: H04M3/42059 , H04M3/2281 , H04M3/436 , H04M2203/6027
Abstract: A method includes generating a set of non-trusted contacts, each contact of the set of non-trusted contacts corresponding to contact information believed to be associated with vishing attacks. The method further includes sending the set of non-trusted contacts to a computing device of a user. The computing device is configured to add the set of non-trusted contacts to a contacts list associated with an audio calling functionality of the computing device. The computing device is configured to receive a call and determine that the call is from a caller associated with a contact in the set of non-trusted contacts. The computing device is configured to silence the call, block the call, or display caller information of the contact based on the determination that the call is from the caller associated with the contact in the set of non-trusted contacts.
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公开(公告)号：US20220261496A1
公开(公告)日：2022-08-18
申请号：US17736198
申请日：2022-05-04
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Kyle Johnson , Latika Gulati
Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.
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Patent Agency Ranking
公开(公告)号：US12112220B1
公开(公告)日：2024-10-08
申请号：US18348644
申请日：2023-07-07
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Alexander Mireles , Hazar Alsahnawi , Dennis Liu
IPC: G06K19/073
CPC classification number: G06K19/073
Abstract: In some implementations, a device may obtain video and/or lidar data relating to a physical card captured while the physical card is flipped from a first side of the physical card to a second side of the physical card. The device may determine an authenticity of the physical card, where the authenticity of the physical card is based at least in part on one or more physical characteristics of the physical card identifiable from the video and/or the lidar data. The one or more physical characteristics may relate to a thickness of the physical card, a length and width of the physical card, a shape of the physical card, and/or a design feature of the physical card. The device may cause, based on a determination that the physical card is authentic, information associated with the physical card to be transmitted or stored to be used in connection with a transaction.
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公开(公告)号：US20240146751A1
公开(公告)日：2024-05-02
申请号：US18052145
申请日：2022-11-02
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Salik Shah , Jennifer Kwok , Abhay Donthi , Dwij Trivedi
CPC classification number: H04L63/1425 , H04L63/102 , H04L63/1416 , H04M3/2281
Abstract: In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator identifying a permission by the first user to detect calls being received by the computing device; receiving an indication of a particular call being received from a second user at a particular phone number; detecting a triggering condition to verify when the particular phone number is associated with the particular entity; instructing the computing device to execute a computer routine to verify when the particular phone number is associated with the particular entity; receiving an indication from the computer routine when the particular phone number is not associated with the particular entity; instructing the computing device to perform at least one security action; and instructing to notify a second computing device associated with the particular entity with information pertaining to the particular call.
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公开(公告)号：US11914751B2
公开(公告)日：2024-02-27
申请号：US17736198
申请日：2022-05-04
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Kyle Johnson , Latika Gulati
CPC classification number: G06F21/6245 , G06Q20/227 , G06Q20/322 , G06Q20/34 , G06Q20/4014 , H04W76/10
Abstract: Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.
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公开(公告)号：US11625716B2
公开(公告)日：2023-04-11
申请号：US16944684
申请日：2020-07-31
Applicant: Capital One Services, LLC
Inventor： Adam Vukich , Sarah J. Cunningham , Tyler Maiman , Michael Mossoba , Leeyat Bracha Tessler , Bryant Yee
Abstract: A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.
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公开(公告)号：US12165144B2
公开(公告)日：2024-12-10
申请号：US18297740
申请日：2023-04-10
Applicant: Capital One Services, LLC
Inventor： Adam Vukich , Sarah J. Cunningham , Tyler Maiman , Michael Mossoba , Leeyat Bracha Tessler , Bryant Yee
Abstract: A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.
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