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公开(公告)号：US20240152894A1
公开(公告)日：2024-05-09
申请号：US18382352
申请日：2023-10-20
Applicant: Capital One Services, LLC
Inventor： Timur SHERIF , Matthew KLOSTER , Tao LIN , Kevin OSBORN
CPC classification number: G06Q20/204 , G06F13/4282 , G06Q20/382 , G06F2213/0042
Abstract: A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.
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公开(公告)号：US20230245125A1
公开(公告)日：2023-08-03
申请号：US17649724
申请日：2022-02-02
Applicant: Capital One Services, LLC
Inventor： Michael MOSSOBA , Sophie BERMUDEZ , Timur SHERIF
CPC classification number: G06Q20/4014 , G06Q50/01
Abstract: In some implementations, an identity verification device may receive a request to verify an identity associated with a user accessing a social media account to share information on a social media platform. The identity verification device may generate, based on the request, a virtual credential linked to a primary credential associated with a financial account belonging to a holder of the social media account. The virtual credential may be used in an identity verification transaction to prove that the user accessing the social media account has access to the financial account associated with the social media account holder. The identity verification device may store a record indicating that the virtual credential was used to conduct the identity verification transaction and may provide, to the social media platform, information to verify the identity associated with the user accessing the social media account based on the record.
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公开(公告)号：US20220383287A1
公开(公告)日：2022-12-01
申请号：US17884362
申请日：2022-08-09
Applicant: Capital One Services, LLC.
Inventor： Timur SHERIF , Matthew KLOSTER , Tao LIN , Kevin OSBORN
Abstract: A transaction card is provided for communicating with a computing device. The transaction card may comprise a computer interface device, at least one memory, at least one processor, and a card reader module. The card reader module configured to receive, from the computing device through the computer interface device, a first data packet comprising a request associated with a transaction, the first data packet being compatible with an interface protocol. The card reader module may process the first data packet to generate a second data packet compatible with the payment authentication protocol; provide the second data packet to the processor; receive, from the processor, a third data packet comprising a response to the request; process the third data packet to generate a fourth data packet based on the response, the fourth data packet compatible with the interface protocol; and transmit, to the computer interface device, the fourth data packet.
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公开(公告)号：US20200153647A1
公开(公告)日：2020-05-14
申请号：US16740762
申请日：2020-01-13
Applicant: Capital One Services, LLC
Inventor： Hannes JOUHIKAINEN , Zviad AZNAURASHVILI , Timur SHERIF , Steve BLANCHET
IPC: H04L12/18 , G06Q10/10 , G06Q10/00 , G06F16/907
Abstract: A device may receive meeting data associated with a first meeting, the first meeting having previously occurred. The device may obtain, based on the meeting data, data identifying at least one individual associated with the first meeting and data identifying at least one topic associated with the first meeting. In addition, the device may identify a second meeting based on the at least one individual or the at least one topic, the second meeting having not yet occurred. The device may provide, to a user device associated with the second meeting and based on identifying the second meeting, at least a portion of the meeting data associated with the first meeting.
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公开(公告)号：US20200051138A1
公开(公告)日：2020-02-13
申请号：US16059014
申请日：2018-08-08
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： Timur SHERIF , Zviad AZNAURASHVILI , Hannes JOUHIKAINEN , Steve BLANCHET
Abstract: The disclosed embodiments provide systems, methods, and techniques for managing merchandising cards. A merchandising card may be, for example, a gift card, loyalty card, or the like. Consistent disclosed embodiments, a system for managing merchandising cards may include one or more memory devices storing instructions and one or more processors configured to acquire, from a device over a network, a plurality of locations associated with the device, the device locations being acquired at different instances in time within a predetermined period of time. Additionally, the processor may be configured to calculate a merchant confidence rating for a merchant using the device locations. Further, the one or more processors may be configured to, based on the merchant confidence rating, determine that the merchant matches a merchant that is associated with merchandising card, and send a reminder a user of the device.
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Patent Agency Ranking
公开(公告)号：US20240296473A1
公开(公告)日：2024-09-05
申请号：US18116597
申请日：2023-03-02
Applicant: Capital One Services, LLC
Inventor： Michael MOSSOBA , Timur SHERIF , Amita SHARMA
IPC: G06Q30/0226 , G06Q30/0207 , G06Q50/00
CPC classification number: G06Q30/0226 , G06Q30/0224 , G06Q50/01
Abstract: A system and method for discounting the cost of goods based on social throttling is disclosed. A discount system is provided with discounting parameters that can include a starting price for the good, a price progression of the good based on the numbers of purchases, a maximum discount, and other parameters. During the promotion, as the number of purchases increases, the total discount also increases according to those parameters. Additionally, further discount incentives can be provided to individuals who promote the promotion on social media, or based on other factors, such as whether they are early adopters or frequent participants. Accordingly, the retailer benefits from increased sales and the customers benefit from reduced prices.
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公开(公告)号：US20240289797A1
公开(公告)日：2024-08-29
申请号：US18656720
申请日：2024-05-07
Applicant: Capital One Services, LLC
Inventor： Michael MOSSOBA , Sophie BERMUDEZ , Timur SHERIF
CPC classification number: G06Q20/4014 , G06Q50/01
Abstract: In some implementations, an identity verification device may receive a request to verify an identity associated with a user accessing a social media account to share information on a social media platform. The identity verification device may generate, based on the request, a virtual credential linked to a primary credential associated with a financial account belonging to a holder of the social media account. The virtual credential may be used in an identity verification transaction to prove that the user accessing the social media account has access to the financial account associated with the social media account holder. The identity verification device may store a record indicating that the virtual credential was used to conduct the identity verification transaction and may provide, to the social media platform, information to verify the identity associated with the user accessing the social media account based on the record.
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8.发明公开公开(公告)号：US20230252190A1
公开(公告)日：2023-08-10
申请号：US17650315
申请日：2022-02-08
Applicant: Capital One Services, LLC
Inventor： Michael MOSSOBA , Zoe FISCH , Timur SHERIF
CPC classification number: G06F21/6263 , H04L63/1433
Abstract: In some implementations, a user device may detect a communication associated with the user device and a user. The user device may analyze, using a machine learning model, a context of the communication to determine a risk score associated with the communication, the risk score indicating a likelihood that the communication is associated with a fraudulent actor attempting to solicit sensitive information from the user. The user device may monitor the communication to identify a trigger in the communication that indicates that sensitive information is to be shared, wherein monitoring the communication includes performing one or more operations to secure the communication based on the risk score satisfying one or more thresholds. The user device may detect, based on monitoring the communication, a portion of the communication that includes the sensitive information. The user device may obfuscate the portion of the communication.
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公开(公告)号：US20200104891A1
公开(公告)日：2020-04-02
申请号：US16590504
申请日：2019-10-02
Applicant: Capital One Services, LLC
Inventor： Jeffrey RULE , Kaitlin NEWMAN , Steve BLANCHET , Timur SHERIF
Abstract: Example embodiments of systems and methods for secure online order pick up and data transmission system between transmitting and receiving devices are provided. In an example embodiment, a user may be required to confirm his or her identity prior to using an application, utilizing enhanced or restricted features of an application or device, viewing sensitive information, or taking certain actions. A transmitting device, such as a contactless card, may be employed as means for confirming a user's identity and access these features.
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公开(公告)号：US20200043097A1
公开(公告)日：2020-02-06
申请号：US16053529
申请日：2018-08-02
Applicant: Capital One Services, LLC
Inventor： Zviad AZNAURASHVILI , Hannes JOUHIKAINEN , Steve BLANCHET , Timur SHERIF
Abstract: A server device may receive, from a first user device, a first set of information regarding a first accident involving a first vehicle, and from a second user device, a second set of information regarding a second accident involving a second vehicle. The first user device may relate to a first user associated with a first policy issued by a first policy provider. The second user device may relate to a second user associated with a second policy issued by a second policy provider. The server device may determine that the first accident corresponds to the second accident, obtain first policy data relating to the first policy, and second policy data relating to the second policy, and cause the first policy data to be provided to the second user device, and the second policy data to be provided to the first user device.
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