公开(公告)号：US20250131438A1

公开(公告)日：2025-04-24

申请号：US18915845

申请日：2024-10-15

Applicant: Capital One Services, LLC

Inventor： Madeline RIESE ,  Matthew KLOSTER ,  Jeffrey RULE

IPC: G06Q20/40

Abstract: An exemplary method for collaborative fraud prevention comprises receiving, by a processor, merchant data pertaining to a user, receiving, by the processor, issuer data pertaining to the user, receiving, by the processor, third party metrics data pertaining to the user, and receiving, by the processor, mobile device data for a mobile device associated with the user. The exemplary method further comprises applying, by the processor, a machine learning model to the merchant data, issuer data, third-party metrics, and mobile device data to make a fraud prediction, receiving, by the processor, feedback on the fraud prediction, and updating, by the processor, the machine learning model using the feedback as an input.

公开(公告)号：US20250131440A1

公开(公告)日：2025-04-24

申请号：US18918443

申请日：2024-10-17

Applicant: Capital One Services, LLC

Inventor： Madeline RIESE ,  Matthew KLOSTER ,  Jeffrey RULE

IPC: G06Q20/40

Abstract: An exemplary method comprises receiving, by a processor, a user-based allegation of a fraudulent transaction, receiving, by the processor, merchant data pertaining to a user associated with the user-based allegation as well as a transaction underlying the user-based allegation, and receiving, by the processor, issuer data pertaining to the user and the transaction. The exemplary method further comprises applying, by the processor, a machine learning model to the merchant data and issuer data to generate a prediction as to whether the transaction was fraudulent, providing, by the processor, a report to the user comprising one or more factors on which the prediction is based, the one or more factors based on at least one of the merchant data and the issuer data, receiving, by the processor, feedback relating to the prediction, and updating, by the processor, the machine learning model using the feedback as an input.

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

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.

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

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

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.