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公开(公告)号：US20230419375A1
公开(公告)日：2023-12-28
申请号：US17846148
申请日：2022-06-22
Applicant: Capital One Services, LLC
Inventor： Ray Cheng , Jennifer Kwok , Xiaoguang Zhu
IPC: G06Q30/02
CPC classification number: G06Q30/0284 , G06Q30/0201 , G06Q30/0269
Abstract: Disclosed aspects pertain to demand-equilibrium-based pricing. Transaction data associated with a merchant can be utilized to generate and train a pricing model. The pricing model can be invoked to determine a pricing schedule for a set of items offered by the merchant. The pricing schedule can set prices of items based on the time of day and the transaction rate of the merchant. The pricing schedule can be implemented with the merchant through a digital display. The pricing schedule can also be updated such that prices for the items offered by the merchant can change based on the time of day to achieve a target transaction rate through the merchant's business hours.
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公开(公告)号：US20230421719A1
公开(公告)日：2023-12-28
申请号：US17846073
申请日：2022-06-22
Applicant: Capital One Services, LLC
Inventor： Xiaoguang Zhu , Ray Cheng , Phoebe Atkins
IPC: H04N5/272 , G06T11/00 , G06T7/194 , G06F40/279 , G10L15/26 , G10L25/57 , G10L15/22 , G06F40/30 , G06Q30/04
CPC classification number: H04N5/272 , G06T11/00 , G06T7/194 , G06F40/279 , G10L15/26 , G10L25/57 , G10L15/22 , G06F40/30 , G06Q30/04 , G06T2207/10016
Abstract: Disclosed embodiments relate to a smart video conference environment. A live video of a conference participant can be segmented into a foreground, including the participant, and a background that excludes the participant. The background can be replaced by a virtual background determined based on one or more factors. The factors can include context data acquired from a calendar, content based on the context data, and transaction history. Further, interaction amongst conference participants can be monitored and utilized to update the background in one instance based on topics of conversation. Interactive content presented in the virtual background permits interaction by participants with the background. Furthermore, content can also be overlaid on the participant and the background in one instance.
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公开(公告)号：US12243033B2
公开(公告)日：2025-03-04
申请号：US18122072
申请日：2023-03-15
Applicant: Capital One Services, LLC
Inventor： Phoebe Atkins , Xiaoguang Zhu , Ray Cheng
Abstract: Systems and methods for implementing an automated process for detection of a shared recurring bills and identification of a set of corresponding person-to-person transactions associated with shared portions of the recurring bill. The identification process is prediction-based and contingent upon an analysis of a user's transaction records. A key aspect of the analysis is directed towards transaction amount data (fraction test) and occurrence patterns, derived from the transaction records, in order to identify a shared bill and a set of person-to-person (P2P) transfer transactions associated therewith. Upon identification of a set of P2P transfer transactions associated with a recurrent shared bill, an automation option may be provided to the user.
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公开(公告)号：US20230419291A1
公开(公告)日：2023-12-28
申请号：US17846540
申请日：2022-06-22
Applicant: Capital One Services, LLC
Inventor： Phoebe Atkins , Xiaoguang Zhu , Ray Cheng
CPC classification number: G06Q20/22 , G06Q20/14 , G06Q50/01 , G06Q20/326 , G06V20/30 , G06V40/10 , G06V2201/10
Abstract: Disclosed embodiments pertain to automated payment splitting. A bill to a user for goods or services can be detected. Contacts that are collocated with the user can be determined via social media image analysis. A notification can be sent to the contacts to join a payment group. The payment group can be created upon receiving a response to the notification. A split payment rubric can be determined for the payment group. The split payment rubric can enumerate payment responsibilities of each person in the payment group using social media image analysis. Payment of the bill can be completed via a split payment amongst the payment group according to the split payment rubric.
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Patent Agency Ranking
公开(公告)号：US20240020666A1
公开(公告)日：2024-01-18
申请号：US17865503
申请日：2022-07-15
Applicant: Capital One Services, LLC
Inventor： Jennifer Kwok , Ray Cheng , Lukiih Cuan
CPC classification number: G06Q20/14 , G06Q20/3224
Abstract: Disclosed embodiments pertain to automated bill sharing. An intent to pay a bill can be detected by detecting activation of a first payment application on a customer device near a point-of-sale device or by analyzing a customer conversation. A sharing model can be invoked to determine if the bill is to be shared with a party. The sharing model can be trained with a machine learning technique based on transaction history of the customer and party. A party device can be detected within proximity of the customer device to determine sharing or identify the party. A second payment application can be activated on the party device. The sharing model can be invoked to determine payment shares between the first and second payment applications. A shared payment can be completed to a point-of-sale device according to the payment shares, the first payment application, and the second payment application.
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公开(公告)号：US11758380B2
公开(公告)日：2023-09-12
申请号：US17532639
申请日：2021-11-22
Applicant: Capital One Services, LLC
Inventor： Leeyat Bracha Tessler , Ray Cheng , Imren Johar , Daniel John Marsch , Rocky Guo , Bryant Yee , John Jones
Abstract: Methods and systems are disclosed for presenting user specific information based on mobile device proximity to short-range wireless technology beacons. For example, by determining the proximity of a mobile device to a short-range wireless technology beacon, user specific information may be displayed on a user interface such that a user may have easy access to user specific information without the need to rely on their mobile device for such access, thereby conserving mobile device battery life and improving the experience of the user.
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公开(公告)号：US12248084B2
公开(公告)日：2025-03-11
申请号：US17812533
申请日：2022-07-14
Applicant: Capital One Services, LLC
Inventor： Imren Johar , Ray Cheng , Leeyat Bracha Tessler , Daniel Marsch , Rocky Guo , Bryant Yee , John Jones
Abstract: In some implementations, a user device may receive one or more first advertisements from one or more first beacons. Accordingly, the user device may exchange check-in messages with a remote device based on the one or more first advertisements. The user device may track a location using at least one or more signal strengths associated with the one or more first beacons and one or more signal strengths associated with one or more second beacons. The user device may further display and update a map based on tracking the location. The user device may receive one or more second advertisements from the one or more second beacons. Accordingly, the user device may request first information associated with the one or more second beacons that is different from second information associated with one or more third beacons. The user device may further display the first information.
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公开(公告)号：US12200394B2
公开(公告)日：2025-01-14
申请号：US17846073
申请日：2022-06-22
Applicant: Capital One Services, LLC
Inventor： Xiaoguang Zhu , Ray Cheng , Phoebe Atkins
IPC: H04N5/272 , G06F40/279 , G06F40/30 , G06Q30/04 , G06T7/194 , G06T11/00 , G10L15/22 , G10L15/26 , G10L25/57
Abstract: Disclosed embodiments relate to a smart video conference environment. A live video of a conference participant can be segmented into a foreground, including the participant, and a background that excludes the participant. The background can be replaced by a virtual background determined based on one or more factors. The factors can include context data acquired from a calendar, content based on the context data, and transaction history. Further, interaction amongst conference participants can be monitored and utilized to update the background in one instance based on topics of conversation. Interactive content presented in the virtual background permits interaction by participants with the background. Furthermore, content can also be overlaid on the participant and the background in one instance.
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公开(公告)号：US20240062151A1
公开(公告)日：2024-02-22
申请号：US17889462
申请日：2022-08-17
Applicant: Capital One Services, LLC
Inventor： Xiaoguang Zhu , Ray Cheng , Jennifer Kwok
CPC classification number: G06Q10/087 , G06Q30/0206 , G06Q30/0635
Abstract: Disclosed embodiments include aspects that relate to supply chain disruption predictions. An individual can identify a product. Product information associated with the product can be compiled and analyzed to determine the composition of the product. Raw material can be identified as part of the product's composition based on the product information analysis. Disruption data for a supply chain of the at least one raw material can be compiled and analyzed. A supply chain disruption can be identified based on the analysis of the disruption data. A transaction can be recommended to the customer based on the supply chain disruption, such as an optimized timing to purchase the product.
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