公开(公告)号：US12212562B2

公开(公告)日：2025-01-28

申请号：US18310485

申请日：2023-05-01

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Steve Blanchet ,  Hannes Jouhikainen ,  Zviad Aznaurashvili

IPC: H04L9/40 ,  G07C5/00 ,  H04W4/02 ,  H04W4/40 ,  H04W12/06

Abstract: Multi-factor authentication systems and methods are provided that include receiving a request to authenticate a user of a mobile device. The request for authentication may include credential information associated with the user and vehicle data. A determination may be made regarding whether the vehicle data was obtained from a vehicle via the mobile device. The received vehicle data and received credential information may be compared to stored data. When there is a match between the received vehicle data and received credential information and corresponding stored data, a notification may be provided to the user device indicating that the user has been authenticated.

公开(公告)号：US11755118B2

公开(公告)日：2023-09-12

申请号：US16693707

申请日：2019-11-25

Applicant: Capital One Services, LLC

Inventor： Hannes Jouhikainen ,  Timur Sherif ,  Steve Blanchet

IPC: G06F3/01 ,  G06F3/048 ,  G06F3/0488 ,  G06V40/16 ,  G06V40/20 ,  H04N21/44 ,  G06Q40/12 ,  G06F3/04883 ,  G06F3/0487

CPC classification number: G06F3/017 ,  G06F3/048 ,  G06V40/16 ,  G06V40/20 ,  G06F3/0487 ,  G06F3/0488 ,  G06F3/04883 ,  G06Q40/125 ,  G06V40/28 ,  H04N21/44008

Abstract: Embodiments disclosed herein generally relate to a method and system of generating text input via facial recognition. A computing system receives a video stream of a user operating an application on a client device. The video stream includes a time series of images of the user. The computing system parses the video stream to identify one or more visual cues of the user. The computing system identifies a current page of the application. The computing system maps the identified on or more visual cues to an operation available on the current page of the application. The computing system executes the mapped operation.

公开(公告)号：US20230043619A1

公开(公告)日：2023-02-09

申请号：US17396369

申请日：2021-08-06

Applicant: Capital One Services, LLC

Inventor： Pavel Fort ,  Timur Sherif ,  Jeffrey Wieker

IPC: G06Q20/08 ,  G06Q20/20 ,  G06N20/00 ,  G06F3/0482

Abstract: Systems as described herein may describe transactions using Unicode emojis. A description server may obtain transaction data associated with an entity. At least one feature of the transaction may be determined using a machine classifier. The description server may determine a visual representation for each feature associated with the transaction. Accordingly, a transaction summary comprising the transaction data and the visual representations may be generated and provided to a computing device.

公开(公告)号：US11288714B2

公开(公告)日：2022-03-29

申请号：US16023623

申请日：2018-06-29

Applicant: Capital One Services, LLC

Inventor： Zviad Aznaurashvili ,  Timur Sherif ,  Steve Blanchet ,  Hannes Jouhikainen

IPC: G06Q30/02 ,  G06K9/00 ,  G10L25/63 ,  H04L67/306 ,  G10L15/26 ,  G06F3/01 ,  G06N20/00 ,  H04W4/80

Abstract: Systems and methods are provided for providing a customized user experience. Providing a customized user experience may include receiving, from a graphical user interface displayed on a mobile device a user input indicative of a preferred level of interaction by the user, and monitoring, by a sensor, a facial expression of the user. Then, a first preference metric may be assigned to the user based on the monitored facial expression. Providing a customized user experience may further include monitoring, by a sensor, a behavior of the user, assigning a second preference metric based on the monitored behavior, and aggregating at least the user input, the first preference unit, and the second preference metric to generate a preference score of the user. The preference score may be stored in a central database, displayed on a remote device, and used to modify a customer service experience.

公开(公告)号：US10796376B2

公开(公告)日：2020-10-06

申请号：US16053529

申请日：2018-08-02

Applicant: Capital One Services, LLC

Inventor： Zviad Aznaurashvili ,  Hannes Jouhikainen ,  Steve Blanchet ,  Timur Sherif

IPC: G06Q40/08 ,  G06Q50/26

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.

公开(公告)号：US10607265B2

公开(公告)日：2020-03-31

申请号：US16059014

申请日：2018-08-08

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Timur Sherif ,  Zviad Aznaurashvili ,  Hannes Jouhikainen ,  Steve Blanchet

IPC: G06Q10/10 ,  G06Q10/06 ,  G06Q30/02 ,  G06Q30/06 ,  G06Q20/40 ,  G06Q20/38

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.

公开(公告)号：US20200076796A1

公开(公告)日：2020-03-05

申请号：US16131131

申请日：2018-09-14

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： Timur Sherif ,  Steve Blanchet ,  Hannes Jouhikainen ,  Zviad Aznaurashvili

IPC: H04L29/06 ,  G07C5/00 ,  H04W12/06 ,  H04W4/02 ,  H04W4/40

Abstract: Multi-factor authentication systems and methods are provided that include receiving a request to authenticate a user of a mobile device. The request for authentication may include credential information associated with the user and vehicle data. A determination may be made regarding whether the vehicle data was obtained from a vehicle via the mobile device. The received vehicle data and received credential information may be compared to stored data. When there is a match between the received vehicle data and received credential information and corresponding stored data, a notification may be provided to the user device, indicating that the user has been authenticated.

公开(公告)号：US20190281086A1

公开(公告)日：2019-09-12

申请号：US16298170

申请日：2019-03-11

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Hannes Jouhikainen ,  Steve Blanchet

IPC: H04L29/06 ,  G06Q50/26

Abstract: Embodiments disclosed herein generally relate to a system and method for detecting fraudulent computer activity. A computing system generates a plurality of synthetic identities. Each of the plurality of synthetic identities mimics information associated with a verified identity. The computing system receives, from a user, an input attempt. The input attempt includes a synthetic identity of the plurality of synthetic identities. The computing system compares input information in the input attempt to the plurality of synthetic identities. The computing system determines that the input information in the input attempt includes information from the plurality of synthetic identities, if it does, the computing system rejects the input attempt.

公开(公告)号：US12147992B2

公开(公告)日：2024-11-19

申请号：US17161223

申请日：2021-01-28

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Michael Mossoba ,  Cara Weikel

IPC: G06Q30/018 ,  G06Q30/02 ,  H04L9/32 ,  H04L67/55

Abstract: A system can include, for example, a secure data module(s) configured to store sensitive data regarding the user(s), a synthetic dataset generating module(s) configured to generate the synthetic dataset based on the sensitive data, and a control module configured to receive a request from an application for a dataset related to the user(s), provide the request to the synthetic dataset generating module(s), receive the synthetic dataset from the synthetic dataset generating module(s), and provide the synthetic dataset to the application. The synthetic dataset generating module(s) can be configured to generate the synthetic dataset based on the dataset.

公开(公告)号：US12125015B2

公开(公告)日：2024-10-22

申请号：US18382352

申请日：2023-10-20

Applicant: Capital One Services, LLC

Inventor： Timur Sherif ,  Matthew Kloster ,  Tao Lin ,  Kevin Osborn

IPC: G06Q20/20 ,  G06F13/42 ,  G06Q20/38

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.