US Pat. No. 9,972,047

SYSTEMS AND METHODS FOR PERFORMING A PURCHASE TRANSACTION USING REWARDS POINTS

CAPITAL ONE SERVICES, LLC...

1. A system for performing a purchase transaction using rewards points comprising:a database storing a plurality of pre-registered account identifiers, each associated with a financial account and associated reward program data wherein the reward program data comprises reward points;
a request computing device that receives, from a merchant system over a network, a request to make a purchase using a transaction card associated with a financial account, wherein the purchase is for a total purchase amount;
a determination computing device that:
retrieves an account identifier from the request to make a purchase,
automatically determines, by comparing the retrieved account identifier with the pre-registered account identifiers stored in the database, that the financial account connected to the transaction card is associated with rewards program data comprising associated rewards points,
automatically determines third-party rewards program data by transmitting the retrieved account identifier to a third-party rewards program system and, in response, receiving third-party rewards program data comprising third-party rewards points and a third-party conversion ratio,
automatically determines a first cash equivalent corresponding to the associated rewards points by using a conversion ratio to convert the rewards points to their cash equivalent and a second cash equivalent corresponding to the associated third-party reward points by using the third-party conversion ratio, the conversion ratio being based on a date, a time, and a merchant associated with the present request to make a purchase, wherein the financial account is associated with a customer and an account provider and the rewards program is associated with the customer and the transaction card;
a transaction computing device that:
transmits, to a customer device associated with the financial account and the request to make a purchase over the network, data to generate an interactive user interface operable to display, in a single display, the option to pay for at least a portion of the purchase using at least a portion of the rewards points and third-party rewards points after receiving the request to make the purchase using the transaction card, wherein the option to pay for the at least a portion of the purchase comprises the number of rewards points and third-party rewards points required per dollar in the purchase transaction using the determined first cash equivalent and second cash equivalent, wherein the interactive user interface allows the customer to select, in the single display, the amount of rewards points and third-party rewards points to be used to pay for the at least a portion of the purchase using a moveable value selector within a displayed range between 0 points and a maximum amount of available rewards points and third-party rewards points,
receives, from the customer device over the network, a selection of the amount of rewards points and third-party rewards points to be used to pay for the purchase,
processes the transaction according to the received selection of the amount of rewards points and third-party rewards points to be used to pay for the purchase, and
updates, in real-time, the rewards program data and third-party rewards program data based on the received selection of the amount of rewards points and third-party rewards points, wherein the third-party rewards data is updated in real-time via a real-time transmission of the received selection of the amount of third-party rewards points to the third-party rewards program system;
wherein the interactive user interface dynamically changes based on, and is configured to display, in the single display, a change, by the movable value selector, in one or more allocations between the rewards program provider and the account provider to pay for the purchase in response to the received selections of rewards points, third-party rewards points, and other form of payment.

US Pat. No. 9,940,609

SYSTEMS AND METHODS FOR POINT OF SALE DEPOSITS

Capital One Services, LLC...

1. A system for executing a point-of-sale deposit, comprising:one or more memory devices storing software instructions; and
one or more processors configured to execute the software instructions to perform operations comprising:
receiving, from a client device, transaction information related to a point-of-sale deposit;
generating, based on the transaction information, a pending deposit transaction;
receiving a first transaction token from the client device;
receiving a second transaction token from a third-party device indicating a transfer of funds to a merchant;
determining an authorization to complete the pending transaction by comparing the first transaction token to the second transaction token; and
completing the pending deposit transaction based on the authorization.

US Pat. No. 9,935,845

CLOUD MIGRATION AND MAINTENANCE CONTROLS

Capital One Services, LLC...

1. A migration system for monitoring and compliance, comprising:a database storing information associated with software technology assets; and
one or more processors in communication with the database and configured to execute stored software instructions to:
identify a plurality of migration control parameters for assessing cloud deployment readiness of software technology assets according to operational criteria and cost metrics; access the database to identify a plurality of technology assets having application names;
determine a portfolio group associated with an identified technology asset; access a cloud computing platform to determine a plurality of tagged technology assets, each determined tagged technology asset having an application name identified in the cloud computing platform;
determine a migration status based on data related to a cloud deployment process for the identified technology assets, wherein the determination comprises:
determining an architectural optimization position for the plurality of tagged technology assets, based on at least one architectural component parameter of at least one tagged technology asset and the operational criteria,
determining an efficiency position for the plurality of tagged technology assets, based on workload utilization for each tagged technology asset and the cost metrics, and
determining a cloud migration implementation status, based on at least a percentage of the identified technology assets that are included in the determined tagged technology assets; and
generate interface data representing an aggregate status of the plurality of tagged technology assets by portfolio group according to the determined migration status.

US Pat. No. 9,710,744

TAMPER-RESISTANT DYNAMIC TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT DYNAMIC TRANSACTION CARD

Capital One Services, LLC...

1. A dynamic transaction card comprising:
an outer layer comprising a plastic material;
electrical components;
at least one connector between the electrical components, wherein:
the connector is constructed from a conductive, dissolvable material;
a mixed polymer is injected into molding to irreversibly cure the plastic material to creat the connector; and
upon dissolving the outer layer using a solvent, the at least one connector is dissolved to break the connection between the
electrical components and deactivate the dynamic transaction card.

US Pat. No. 10,121,305

SOFT TOUCH RESIN AND TRANSACTION CARD COMPRISING THE SAME

Capital One Services, LLC...

1. A transaction card, comprising:a card frame configured to house a data storage component, wherein:
the card frame is formed of a resin mixture comprising a thermoplastic elastomer (TPE) and acetal homopolymer with a ratio of TPE to acetal homopolymer between 30:70 and 70:30; and
the card frame has a Shore D hardness in the range of 20-80.

US Pat. No. 10,049,532

AUTOMATED TELLER MACHINE (ATM) DEVICE WITH SEALED SLOT

Capital One Services, LLC...

1. An automated teller machine (ATM) device, comprising:a first slot on a front portion of the ATM device; and
a security bar that is aligned in parallel with the first slot,
wherein a leverage point of the security bar is in an interior of the ATM device,
wherein the security bar comprises a second slot,
wherein the ATM device is configured to rotate the security bar to align the first slot and the second slot,
wherein alignment of the first slot and the second slot facilitates a transfer between the interior of the ATM device and an exterior of the ATM device.

US Pat. No. 9,990,795

DYNAMIC TRANSACTION CARD WITH EMV INTERFACE AND METHOD OF MANUFACTURING

CAPITAL ONE SERVICES, LLC...

1. A dynamic transaction card comprising:a top surface layer having a EuroPay-MasterCard-Visa (“EMV”) contact pattern;
a backing layer;
an EMV microprocessor located between the top surface layer and the backing layer;
a display configured to indicate account balance or transaction information; and
an EMV interface connecting the EMV contact pattern and the EMV microprocessor, wherein:
the EMV contact pattern is not layered on top of the EMV microprocessor;
the EMV interface provides access to signals transmitted between the EMV microprocessor and an EMV terminal; and
wherein the EMV contact pattern has edges that are trimmed to scallops to provide surface mounting.

US Pat. No. 9,953,258

TRANSACTION CARD HAVING STRUCTURAL REINFORCEMENT

Capital One Services, LLC...

1. A transaction card, comprising:a first card component, including:
a first surface; and
a first structural feature associated with the first surface; and
a second card component separate from the first card component and attachable thereto, wherein the second card component includes:
a second surface; and
a second structural feature associated with the second surface;
a first bracing layer between the first and second card components, wherein:
the first bracing layer is affixed to one of the first and second surfaces; and
one of the first and second structural features is disposed on the first bracing layer; and
wherein the first and second structural features are configured to interconnect.

US Pat. No. 9,959,443

SYSTEMS AND METHODS FOR IMAGE CAPTURE VECTOR FORMAT LASERING ENGINE

Capital One Services, LLC...

1. A computer-implemented method for electronically verifying transaction card information, comprising:receiving, from a point-of-sales terminal via a communication network, a request to provide a verification status to verify a transaction being paid for by a transaction card, and the transaction card having a data storage component;
receiving, from the point-of-sales terminal via the communication network, first data representing first visible information, the first visible information comprising a signature of a customer written on a point-of-sale terminal and the first data being represented in vector format;
receiving, from the data storage component of the transaction card via the communication network, second data representing second visible information, the second visible information comprising a signature of a customer stored in the data storage component of the transaction card and the second data being represented in vector format;
determining the verification status based on a comparison of the first visible information to the second visible information, the comparison comprising: running a similarity analysis between the first and second data, calculating a score based on the similarity analysis, and comparing the score with a first predetermined threshold; and
sending, to the point-of-sales terminal via a communication network, the verification status.

US Pat. No. 9,949,065

SYSTEM AND METHOD FOR AUTOMATIC BLUETOOTH PAIRING

CAPITAL ONE SERVICES, LLC...

1. A Bluetooth-pairing device comprising: data storage storing a software application;a Bluetooth antenna;
an input/output interface; and
a microprocessor configured to:
receive, via the input/output interface, interaction data associated with the software application;
transmit, via the input/output interface, a request for a first unique identifier (ID) to a device provider system in response to the received interaction data associated with the software application;
receive, in response to the transmitted request, the first unique ID;
transmit, via the Bluetooth antenna, an advertising packet to a new device;
receive, via the Bluetooth antenna, a response to the advertising packet comprising a second unique ID from the new device;
compare the second unique ID with the first unique ID;
generate, if the first unique ID and the second unique ID match, a link key, wherein the link key is based on at least a portion of the first or second unique ID;
transmit, via the Bluetooth antenna, at least a portion of the link key to the new device; and
pair the Bluetooth-pairing device with the new device using at least a portion of the link key.

US Pat. No. 9,928,632

SYSTEMS AND METHODS FOR GENERATING AND READING INTRINSIC MATRIXED BAR CODES

Capital One Services, LLC...

1. A system for generating an intrinsic matrixed bar code, comprising:an image-receiving device;
a processor configured to execute instructions; and
a memory storing the instructions to:
receive an image using the image-receiving device,
generate a registration mark corresponding to the received image,
select coordinates on the received image,
overlay one or more matrixed bar codes on the selected coordinates,
update the registration mark with the selected coordinates, and
overlay the registration mark on the received image to generate the intrinsic matrixed bar code.

US Pat. No. 9,866,467

SYSTEMS AND METHODS FOR AUTOMATED DETERMINATION OF NETWORK DEVICE TRANSITING DATA ATTRIBUTES

Capital One Services, LLC...

1. A system for determining network device transiting data attributes, the system comprising:
one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
run a first script on all static ports of a network, wherein the first script returns parameters for the static ports;
run a second script on all known ports of the network, wherein the second script returns parameters for the known ports;
parse the returned parameters for the static ports and the returned parameters for the known ports to identify one or more
identified ports of the known ports;

run a third script on the one or more identified ports, wherein the third script forces one or more denials on the one or
more ports; and

determine, based on the one or more denials, network device transiting data attributes comprising allowed protocols and directionality
for each of the one or more identified ports.

US Pat. No. 10,043,122

CONFIGURING A SET OF APPLETS ON A BATTERY-LESS TRANSACTION CARD

Capital One Services, LLC...

1. A transaction card, comprising: one or more memories; and one or more processors, communicatively coupled to the one or more memories, configured to: power on the transaction card using electric current induced from an interaction of the transaction card with an electromagnetic field of a device; establish a communication with the device or another device, the communication indicating that the transaction card has powered on after powering on the transaction card; determine a geographic location of the transaction card using location information after powering on the transaction card; determine a set of applets to be selectively enabled or disabled based on the geographic location of the transaction card, one or more applets to be enabled, of the set of applets, being related to completing one or more different transactions, and one or more applets to be enabled, of the set of applets, being different than another set of applets already configured on the transaction card; and selectively enable or disable the set of applets on the transaction card.

US Pat. No. 10,127,545

METHODS AND SYSTEMS FOR DISPLAYING ACCOUNT INFORMATION

Capital One Services, LLC...

1. A system for displaying account information, comprising:a display device comprising:
a processor;
a display;
a transceiver; and
a memory having stored thereon instructions that, when executed by the processor, cause the processor to:
pair with a mobile device configured to access account information associated with a user;
receive, using the transceiver, the account information from the mobile device;
detect an activation event;
cause the display to display the account information based on the activation event;
determine that no updates have been received from the mobile device; and
in response to the determination:
scan for any device and attempt to establish a connection with devices which the system had not previously been paired; and
cause the mobile device to display a message indicating a location of the display device.

US Pat. No. 10,121,020

SYSTEMS AND METHODS OF PROVIDING ACCESS TO SECURE DATA

Capital One Services, LLC...

1. A method for providing secure access to organization data associated with an organization, the method comprising:providing a user interface accessible by a user device and that enables the user device to (i) transmit computer-executable instructions to a storage device associated with the organization and (ii) request execution of at least some of the computer-executable instructions, the user interface being stored on a storage device associated with the organization;
receiving, at the storage device and via the user interface, the computer-executable instructions from the user device;
saving the computer-executable instructions at the storage device;
receiving, at a web server and from the user device via the user interface, a request to execute at least some of the computer-executable instructions in relation to a portion of the organization data, the organization data being stored on the storage device;
responsive to receiving the request, scheduling, by a router, a working computer from a computer cluster associated with the organization to perform the at least some of the computer-executable instructions, the scheduling comprising:
identifying a plurality of available computers in the computer cluster, an available computer being a computer that has available RAM, available processing, and available cycles and is capable of managing an additional concurrent connection; and
randomly selecting the working computer from the plurality of available computers of the computer cluster;
accessing, by the working computer and from the storage device, the at least some of the computer-executable instructions and at least some of the portion of the organization data;
executing, by the working computer, the at least some of the computer-executable instructions based on the at least a portion of the organization data to generate an output; and
transmitting the output from the working computer and to the user device via the web server.

US Pat. No. 10,007,941

LOCATION-BASED OBFUSCATION OF USER INFORMATION

Capital One Services, LLC...

1. A server device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive, from a first device, a request for a product or service;
determine a first geographic location of the first device;
identify, based on the request, a plurality of second devices that are located in a geographic region associated with the first geographic location,
the plurality of second devices being associated with respective users that are capable of providing the product or service;
provide, to the first device, information regarding second geographic locations of the plurality of second devices,
the information specifying an obfuscated second geographic location of at least one of the plurality of second devices,
the obfuscated second geographic location being determined based on identifying a third geographic location that is within a threshold distance from an actual second geographic location of the at least one of the plurality of second devices;
receive, from the first device, an instruction to provide the request to a subset of the plurality of second devices;
provide, based on the instruction, the request to the subset of the plurality of second devices;
receive an acceptance of the request from a second device included in the subset of the plurality of second devices; and
provide, to the second device and based on receiving the acceptance, data indicating the first geographic location of the first device.

US Pat. No. 10,007,948

SYSTEMS AND METHODS FOR FACILITATING A TRANSACTION RELATING TO NEWLY IDENTIFIED ITEMS USING AUGMENTED REALITY

CAPITAL ONE SERVICES, LLC...

1. A system for facilitating a transaction, comprising:a memory for storing profile data comprising user payment credentials and user profile information;
an environmental data sensor for obtaining environmental data comprising audio and/or visual information representing a physical environment;
a user interface device for generating user input data in response to one or more user inputs, including first user input data indicative of a selection of one or more items present in the physical environment, the first user input data being derived from an image of the one or more items present in the physical environment obtained by the environmental data sensor based on a first gesture made in association with the one or more action items;
an augmented environment processor that, based on the first user input data and environmental data obtained from the environmental data sensor, identifies one or more action items in the environmental data that are associated with the one or more selected items based on an identification of the more or more selected items using image recognition techniques on the image, augments the environmental data by adding the virtual environmental data comprising enhanced content associated with one or more of the one or more action items, generates a signal comprising augmented environmental data, and generates purchase request data based on the one or more action items, the user profile information, and second user input data associated with one or more action items generated by the user interface device;
an augmented environmental data display that receives the signal comprising augmented environmental data and displays said augmented environmental data in accordance with said signal; and
an input/output device for transmitting the purchase request data to a merchant terminal;
wherein the enhanced content is unrepresented in the physical environment.

US Pat. No. 10,002,318

TRANSACTION CARD HAVING INTERNAL LIGHTING

Capital One Services, LLC...

1. A transaction card, comprising:a front outer surface;
a rear outer surface opposite the front outer surface;
a housing component having a first housing surface, and a second housing surface opposite the first housing surface;
a light source;
an inlay component having a first inlay surface, and a second inlay surface opposite the first inlay surface;
wherein the light source is disposed between the housing component and the inlay component; and
wherein the housing component and the inlay component are joined via the first housing surface and the second inlay surface such that light emitted by the light source passes through the inlay, the second housing surface being the rear outer surface, and the first inlay surface being the front outer surface of the transaction card.

US Pat. No. 9,965,632

SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION

CAPITAL ONE SERVICES, LLC...

1. A dynamic transaction card comprising:A EuroPay-MasterCard-Visa (EMV) processor storing existing firmware and version data associated with the existing firmware;
an EMV plate connectively coupled to the EMV processor;
a bootloader;
an input/output interface that receives an updated firmware program from a firmware provider system;
an applet comprising instructions that when executed, cause the EMV chip to perform a checksum validation; and
data storage storing a first checksum calculated using the stored firmware upon loading of the firmware, wherein firmware is validated on the dynamic transaction card by performing the following:
receiving at the EMV processor, a trigger that triggers checksum validation via the applet;
reading, via the applet, the firmware to determine data comprising the first checksum;
receiving at the EMV processor, the data comprising the first checksum;
calculating, using the EMV processor, a second checksum associated with the firmware;
comparing, using the EMV processor, the first checksum and the second checksum;
validating the updated firmware upon determining that the received checksum and the calculated checksum are equal; and
deleting at least a portion of data in the data storage and the EMV processor upon determining that the first checksum and the second checksum are not equal;
wherein the EMV processor receives, via contacts on the EMV plate, an update component associated with the updated firmware program transmitted from the firmware provider system during a secure communication with the firmware provider system via a secure terminal, wherein the update component is used to validate the received updated firmware program;
wherein, in response to the validation of the updated firmware program, the bootloader loads the updated firmware on the dynamic transaction card, executes the updated firmware program, which overwrites the existing firmware; and
wherein, in response to the bootloader loading and executing the updated firmware program, the EMV processor stores and uses the updated firmware program.

US Pat. No. 9,965,751

MOBILE DEVICE MULTI-FEED SCANNER

CAPITAL ONE SERVICES, LLC...

1. An imaging device comprising:a motorized check feed stand comprising:
an imaging tray;
a platform, said platform having an upper side substantially orthogonal to the imaging tray and a reverse side opposite said upper side; and
first and second mirrors;
wherein the platform comprises a transparent portion;
wherein the first and second mirrors form a reflective path allowing viewing of a reverse side of an object placed on the platform through the transparent portion of said platform;
wherein said transparent portion of said platform is adjacent a stage portion of said platform, and wherein said first and second mirrors allow imaging of the reverse side of an object through the transparent portion of the platform while said object rests on said stage portion.

US Pat. No. 9,940,568

TRANSACTION CARD HAVING INTERNAL MAGNETIC STRIPE

Capital One Services, LLC...

1. A transaction card, comprising:a card frame having a card inlay and a card housing;
a magnetic stripe disposed inside the card frame between the card inlay and the card housing; and
a stripe indicator located on an exterior surface of the card frame.

US Pat. No. 9,921,825

SYSTEMS AND METHODS FOR PROVIDING PREDICTIVE QUALITY ANALYSIS

Capital One Services, LLC...

1. A system for providing quality control for a software program, comprising:
one or more processors; and
one or more memory devices storing instructions that, when executed by the one or more processors, performs the operations
of:

identifying a component of a software program;
requesting input data associated with the component of the software program;
receiving the input data associated with the component of the software program;
determining a number of missing parameters from the input data, and at least one technology level adjustment to the input
data based on the determined number of missing parameters;

determining at least one risk rating based on the determined number of missing parameters, wherein
when the determined number of missing parameters is higher than a predefined value, the at least one risk rating includes
a first risk rating value, and

when the determined number of missing parameters is lower than the predefined value, the at least one risk rating includes
a second risk rating value;

prioritizing the at least one technology level adjustment based on the determined at least one risk rating; and
displaying a user override configured to change the prioritization of the at least one technology level adjustment.

US Pat. No. 9,842,250

SYSTEMS AND METHODS FOR AUTHENTICATING A USER BASED ON CAPTURED IMAGE DATA

CAPITAL ONE SERVICES, LLC...

1. A system for authenticating a user of a computing device, the system comprising:
one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
provide, to the computing device, an indication of a prescribed authentication parameter configured to be displayed to the
user via the computing device, the prescribed authentication parameter including an indication of a gesture to be performed
by the user, the gesture comprising a manipulation of at least one of a hand of the user or a finger of the user;

receive image data including an image of the user of the captured using an image sensor of the computing device;
verify an identity of the user based on facial recognition analysis of the received image data;
determine whether the received image data includes a feature corresponding to the prescribed authentication parameter; and
authenticate the user based at least in part on whether the received image data includes the feature corresponding to the
prescribed authentication parameter.

US Pat. No. 10,134,022

TRANSACTION TERMINALS FOR AUTOMATED BILLING

Capital One Services, LLC...

1. A method, comprising:receiving, by a processor of a transaction terminal, receipt information associated with items included in an order,
wherein the receipt information includes item identifiers associated with the items included in the order, and
wherein the item identifiers, associated with the items included in the order, include price descriptors;
receiving, by the processor, product information associated with the items included in the order,
wherein the product information includes product identifiers based on images of the items included in the order, and
wherein the product identifiers include object descriptors;
mapping, by the processor, a first item identifier associated with a first item included in the order and a first product identifier for determining that the first item included in the order corresponds to a first price descriptor and a first object descriptor;
mapping, by the processor, a second item identifier associated with a second item included in the order and a second product identifier for determining that the second item included in the order corresponds to a second price descriptor and a second object descriptor;
assigning, by the processor, the first item included in the order to a first sub-receipt of a total receipt based on determining that the first item included in the order corresponds to the first price descriptor and the first object descriptor;
assigning, by the processor, the second item included in the order to a second sub-receipt of the total receipt based on determining that the second item included in the order corresponds to the second price descriptor and the second object descriptor;
presenting, by the processor, the first sub-receipt for payment by a first customer; and
presenting, by the processor, the second sub-receipt for payment by a second customer.

US Pat. No. 10,122,733

SYSTEMS AND METHODS FOR PROXIMITY IDENTITY VERIFICATION

Capital One Services, LLC...

1. A system for authorizing a transaction, comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive a request to authorize a transaction initiated by a user;
determine that an indicator of relative risk associated with the transaction exceeds a first predetermined threshold, the relative risk being based at least in part on a current physical location of the user;
identify a known associate of the user based at least in part on the indicator of relative risk;
determine a proximity between the current physical location of the user and a current physical location of the identified known associate based on a wireless communication between a device associated with the user and a device associated with the identified known associate; and
approve the authorization request when the determined proximity is within a second predetermined threshold;
wherein identifying the known associate of the user comprises identifying the known associate from among a plurality of associates listed in a social network of the user, based on a geographical relationship between the current physical location of the identified known associate and the current physical location of the user, to increase confidence in verification of user identity.

US Pat. No. 10,122,756

SYSTEMS AND METHODS FOR SECURELY PAIRING A TRANSMITTING DEVICE WITH A RECEIVING DEVICE

Capital One Services, LLC...

1. A method for secure communication between a transmitting device and a first device, the method comprising:communicating with a first device via a first communication method over a wireless communication network;
transmitting, to the first device via a second communication method, a first sensory pattern representing a first key, wherein:
the first key is a security key;
the second communication method is different from the first communication method; and
the first key is encoded using a ciphering scheme;
determining that a pairing configuration has changed;
transmitting, to the first device via a third communication method, a second sensory pattern representing a second key, the third communication method being specified by the configuration,
wherein the second key is encoded based on a ciphering scheme specified by the pairing configuration; and
in response to determining that the first key matches a third key located on a server, the third key being a secret key:
encrypting a message using a fourth key, the fourth key being a public key, and
sending the encrypted message to the first device via the first communication method;
communicating with the first device via a fourth communication method.

US Pat. No. 10,003,688

SYSTEMS AND METHODS FOR CLUSTER-BASED VOICE VERIFICATION

Capital One Services, LLC...

1. A method of authenticating a telephone caller, the method comprising:receiving, by a processor of an authentication server, audio data including speech of the telephone caller;
analyzing, by the processor, the audio data to identify a plurality of words from the speech of the telephone caller and to identify an occurrence frequency for each of the plurality of words;
comparing, by the processor, the plurality of words and the occurrence frequencies to a plurality of word clusters, each word cluster comprising a plurality of associated words and an occurrence frequency for each of the plurality of associated words, and each word cluster being associated with one of a plurality of demographics;
determining, by the processor, a most similar word cluster of the plurality of word clusters to the audio data based on a similarity of the plurality of words and the plurality of associated words of the most similar cluster and a similarity of the occurrence frequencies of the plurality of words and the occurrence frequencies of the plurality of associated words of the most similar cluster;
receiving, by the processor, a purported identity of the telephone caller, the purported identity including caller demographic data;
comparing, by the processor, the caller demographic data to the demographic associated with the most similar word cluster; and
identifying, by the processor, the telephone caller as at least one of:
likely having the purported identity in response to determining the caller demographic data matches the demographic associated with the most similar word cluster, and
unlikely to have the purported identity in response to determining the caller demographic data matches a demographic associated with a word cluster different from the most similar word cluster.

US Pat. No. 10,002,442

PLACEMENT OF AUGMENTED REALITY OBJECTS USING A GUIDE MARKER

Capital One Services, LLC...

1. A system, comprising: a camera; a display; one or more memories; and one or more processors, communicatively coupled to the one or more memories, to: output a guide marker for presentation on the display, the guide marker being superimposed on an image being captured by the camera and presented on the display, the guide marker being output on the display to allow a user to position the guide marker at a base of a target object within the image; determine two-dimensional (2D) coordinates of an intersection point associated with the guide marker on the display; determine three-dimensional (3D) coordinates of the intersection point associated with the guide marker, the intersection point being a point where a projection of the guide marker into 3D space intersects with a horizontal plane identified in the image; determine 3D coordinates associated with placement of an augmented reality object based on the 3D coordinates of the intersection point; determine 2D coordinates for presentation of the augmented reality object on the display based on at least two or more of: the 2D coordinates that represent the intersection point associated with the guide marker on the display, the 3D coordinates associated with placement of the augmented reality object, or the 3D coordinates of the intersection point; and superimpose a representation of the augmented reality object on the image based on the 2D coordinates for presentation of the augmented reality object on the display.

US Pat. No. 9,967,705

SYSTEM AND METHOD FOR PROVIDING A DIGITAL MEETING TOOL

CAPITAL ONE SERVICES, LLC...

1. A system, comprising:data storage that stores user information for a plurality of user devices;
a beacon that is configured to be associated with a first unique identifier and to broadcast the first unique identifier via a short-range transmission;
a meeting server that receives, from the data storage, data that includes user information received from a first user device of the user devices, provides the first unique identifier to the first user device based in part on similarities between the user information and an entity associated with the beacon, the similarities based on attendance information for a user and the entity at a first location and creates a digital asset that includes the first unique identifier and first information; and
a communication interface associated with the meeting server that transmits, via a network, the digital asset to the first user device, the digital asset being configured to cause the first user device to display a notification that includes the first information responsive to detection by the first user device of a broadcast of the first unique identifier by the beacon at the first location.

US Pat. No. 9,940,571

METAL CONTACTLESS TRANSACTION CARD

Capital One Services, LLC...

1. A transaction card for communicating data relating to a transaction, the transaction card comprising:a metal layer;
a backing layer; and
a radio frequency (RF) antenna layer positioned between the metal layer and the backing layer,
where
the RF antenna layer includes an RF antenna to facilitate communicating the data relating to the transaction wirelessly via an RF signal, and
the metal layer comprises a plurality of holes to limit eddy currents in the metal layer to a threshold density,
the plurality of holes extending from a top surface of the metal layer or a bottom surface of the metal layer to a middle plane of the metal layer that is between the top surface and the bottom surface, and
the eddy currents being caused by an RF signal.

US Pat. No. 9,990,632

DYNAMIC MODIFICATION OF A VERIFICATION METHOD ASSOCIATED WITH A TRANSACTION CARD

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive user input indicating that a modification to a verification method associated with a transaction card from a first verification method to a second verification method is approved,
the first verification method and the second verification method using different types of verification information,
the transaction card being separate from the device;
determine that the verification method associated with the transaction card is to be modified based on receiving the user input indicating that the modification to the verification method is approved,
provide a set of instructions to the transaction card after determining that the verification method is to be modified,
the set of instructions to cause the transaction card to modify the verification method from the first verification method to the second verification method; and
provide information identifying the modification to the verification method to a transaction backend device to notify the transaction backend device that the verification method associated with the transaction card has been modified from the first verification method to the second verification method.

US Pat. No. 9,965,715

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

CAPITAL ONE SERVICES, LLC...

1. A dynamic transaction card comprising:an outer layer comprising a plastic material;
electrical components;
a plurality of connectors between the electrical components, wherein:
the connectors are constructed from a conductive, dissolvable material;
the connectors are arranged in a sequence, wherein the dynamic transaction card will look for the sequence to activate the card; and
upon dissolving the outer layer using a solvent, the connectors are dissolved to break the connection between the electrical components and the sequence to deactivate the dynamic transaction card.

US Pat. No. 9,940,620

SYSTEMS AND METHODS FOR PROCESSING CUSTOMER PURCHASE TRANSACTIONS USING BIOMETRIC DATA

Capital One Services, LLC...

1. A system for creating a customer purchase transaction using biometric data, comprising:one or more processors; and
one or more memory devices storing instructions that, when executed by the one or more processors, cause the one or more processors to perform the operations of:
receiving biometric data of a customer, the biometric data being unique to the customer;
receiving transaction data, the transaction data reflecting at least a price of a purchase transaction by the customer;
identifying common biometric data associated with the customer by comparing the received biometric data to a plurality of stored biometric data associated with customers of a financial service provider, the common biometric data including a plurality of pieces representing different biometric identifications;
determining a first confidence value for a first piece of the common biometric data based on a quality associated with the received biometric data;
identifying a customer account associated with the financial service provider;
verifying the identified customer account associated with the financial service provider contains adequate funds for the price of the purchase transaction; and
providing an indication authorizing the purchase transaction based on the verification,
wherein the operation of identifying a customer account associated with the financial service provider comprises:
when the first confidence value meets or exceeds a confidence threshold,
identifying a customer account associated with the financial service provider based on the first piece of common biometric data; and
when the first confidence value does not meet or exceed the confidence threshold,
determining a second confidence value for a second piece of the common biometric data;
generating an aggregated confidence value by aggregating the first and second confidence values; and
identifying a customer account when the aggregated confidence value meets or exceeds the confidence threshold.

US Pat. No. 9,928,393

SYSTEMS AND METHODS FOR GENERATING AND READING INTRINSIC MATRIXED BAR CODES

Capital One Services, LLC...

1. A system for decoding an intrinsic matrixed bar code, comprising:an image-receiving device;
a processor configured to execute instructions; and
a memory storing the instructions to:
receive an image using the image-receiving device,
determine whether the received image contains at least one registration mark,
when the received image is determined to have at least one registration mark: determine, from the at least one registration mark, one or more coordinates,
when the received image is determined not to have at least one registration mark: determine one or more coordinates based on a detected color-shifting of a portion of the image, and
extract one or more matrixed bar codes overlaid on the received image and located at the one or more coordinates.

US Pat. No. 10,108,827

ACTIVATING AN OUTPUT COMPONENT TO INDICATE AN ORIENTATION OF A NEAR-FIELD COMMUNICATION (NFC)-CAPABLE TRANSACTION CARD

Capital One Services, LLC...

1. A transaction card, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
power on the transaction card when an amount of electric current induced in a first near-field communication (NFC) component of the transaction card satisfies a first threshold,
the first NFC component being communicatively coupled to the one or more processors,
electric current to be induced in the first NFC component when the first NFC component is within an electromagnetic field generated by a second NFC component of another device;
monitor the amount of electric current induced in the first NFC component after powering on the transaction card;
dynamically activate one or more output components associated with the transaction card based on the amount of electric current induced in the first NFC component in association with monitoring the amount of electric current,
the one or more output components indicating a degree to which the transaction card and the other device are communicatively coupled; and
perform, based on the amount of electric current satisfying a second threshold, an action related to providing data to the other device.

US Pat. No. 10,044,647

SYSTEMS AND METHODS FOR CONTROLLING ENROLLMENT AND SECURE PERSISTENT SMS TEXTING ACCOUNT SERVICING WITH AN INTELLIGENT ASSISTANT

CAPITAL ONE SERVICES, LLC...

1. A system for controlling enrollment and secure persistent SMS texting account servicing communications, the system comprising:one or more processors in communication with:
an enrollment web portal;
a natural language dialogue module;
a SMS texting gateway;
a phone number data storage; and
a token storage;
memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive, at the enrollment web portal, enrollment data comprising:
enrollment credentials identifying a user for authentication;
a phone number of a mobile device associated with the user; and
consent by the user to persistently interact with the system via SMS;
authenticate the user responsive to processing the received enrollment data;
store, in the phone number data storage, the phone number; and
generate, responsive to the authentication, a revocable token for persistent access to the natural dialogue module via the SMS texting gateway for a mobile device identified by the phone number.

US Pat. No. 9,978,008

TRANSACTION CARD HAVING INTERNAL MAGNETIC STRIPE

Capital One Services, LLC...

1. A transaction card, comprising:a curved card frame having a card inlay and a card housing;
the card inlay comprising a first recessed portion;
the card housing comprising a second recessed portion disposed adjacent to the first recessed portion;
the first recessed portion and the second recessed portion together forming a pocket;
a curved magnetic stripe disposed within the pocket; and
a stripe indicator disposed on an exterior surface of the card frame.

US Pat. No. 9,965,911

ELECTRONIC ACCESS CONTROL SYSTEM

CAPITAL ONE SERVICES, LLC...

1. A system for authenticating a passive smart device for unlocking an electronic lock, comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive an authentication request from a computing device, the authentication request comprising identification data associated with the passive smart device;
receive secondary identification data from the computing device;
determine whether at least a portion of the authentication request corresponds to authentication data stored in an authentication database;
store the identification data associated with the passive smart device based on the determination that at least a portion of the authentication request corresponds with the authentication data;
store the secondary identification data with the stored identification data;
receive detection data corresponding to a detection of the passive smart device when the passive smart device enters a predetermined location range associated with the electronic lock;
obtain, in response to the detection, an identifier from the passive smart device;
obtain, within a predetermined time following the detection, secondary authentication data from the computing device;
determine whether the obtained identifier corresponds with the stored identification data;
determine whether the obtained secondary authentication data corresponds with the stored secondary identification data; and
responsive to determining that (i) the obtained identifier corresponds with the stored identification data and (ii) the obtained secondary authentication data corresponds with the stored secondary identification data, direct the electronic lock to transition from a locked state to an unlocked state.

US Pat. No. 9,965,741

AUTOMATED SYSTEMS FOR REDUCING COMPUTATIONAL LOADS IN THE MASS EXECUTION OF ANALYTICAL MODELS USING SCALE-OUT COMPUTING

Capital One Services, LLC...

1. A system for reducing computational loads associated with predicting transactions using scale-out computing of analytical models, comprising:a memory storing instructions; and
one or more processors configured to execute the instructions to perform operations comprising:
receiving, via an Application Programming Interface (API), a transaction proposal including a first plurality of transaction parameters;
iteratively verifying, via an actor pool associated with a data interface module, a plurality of data sources identified based on the transaction proposal;
generating, via a minimally viable transaction (MVT) generator, an MVT including a second plurality of transaction parameters, based on the transaction proposal;
generating, via an actor pool associated with a transaction generator, a plurality of transaction options based on the transaction proposal and the MVT;
scoring, via an actor pool associated with a scoring engine, at least one of the transaction options using the at least one analytical model;
verifying, via an actor pool associated with a policy calculator, that the transaction options comply with a transaction policy based on the scoring;
optimizing, via an actor pool associated with a transaction optimizer, the transaction options based on at least one preference; and
transmitting, via the API, at least one transaction offer based on the optimized transaction options.

US Pat. No. 9,965,801

SYSTEMS AND METHODS FOR VIRTUAL FITTINGS

CAPITAL ONE SERVICES, LLC...

1. A virtual fitting system, comprising:one or more environmental sensors for obtaining environmental data comprising visual information representing a physical environment and target data comprising one or more dimensions of a target;
a user interface for generating user input data in response to receiving user inputs, wherein the user input data is at least indicative of a selected test object;
an input/output device for receiving, from a merchant database, a 3-dimensional test object model associated with the selected test object;
an augmented environment processor that, based on target data obtained from the one or more environmental sensors, generates a 3-dimensional target model of the target, applies the 3-dimensional test object model associated with the selected test object to the 3-dimensional target model to create a virtual fit model, and generates a signal comprising augmented environmental data by integrating the virtual fit model with environmental data obtained by the one or more environmental sensors;
a haptic device that simulates the feel of the test object based on the virtual fit model; and
an augmented environmental data display that receives the signal comprising augmented environmental data and displays said augmented environmental data in accordance with said signal.

US Pat. No. 9,934,287

SYSTEMS AND METHODS FOR EXPEDITED LARGE FILE PROCESSING

CAPITAL ONE SERVICES, LLC...

1. A system for processing a large file, comprising:one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive record data comprising a plurality of records, each of the plurality of records comprising an identification value in a common field, the common field having a data format comprising a sequence of characters and each of the identification values corresponding to a license plate number;
determine, based on the data format, a plurality of focus values comprising at least a first focus value and a second focus value, each of the plurality of focus values corresponding to a sub-group of the plurality of records such that the first focus value corresponds to a first sub-group of the plurality of records and the second focus value corresponds to a second sub-group of the plurality of records, wherein the plurality of focus values comprise a set of 260 unique two-character sequences where each unique two-character sequence comprises a letter followed by a number with the plurality of focus values corresponding to a specified portion of the sequence of characters in the data format;
create a first virtual processing unit for processing the first sub-group of the plurality of records corresponding to the first focus value;
create a second virtual processing unit for processing the second sub-group of the plurality of records corresponding to the second focus value; and
process the first and second sub-groups of the plurality of records via the first and second virtual processing units, respectively.

US Pat. No. 9,922,318

SYSTEMS AND METHODS FOR PROVIDING TRANSACTION TOKENS FOR MOBILE DEVICES

Capital One Services, LLC...

1. A computer-implemented method for providing payment token transactions, comprising:
establishing, by one or more processors of the mobile device, a connection with a financial service provider system over a
first network when connectivity to the first network is available to the mobile device, the financial service provider system
being associated with a financial service provider that provides a financial service account to a user of the mobile device;

obtaining, by the one or more processors when the mobile device does not have network connectivity with the first network,
a payment token usable in place of cash payments, the payment token:

representing a cash value;
being associated with a payment token parameter and stock keeping number; and
being obtained from a label affixed to a product package associated with a product offered for sale by a merchant;
storing the payment token in a memory of the mobile device;
associating the payment token with the financial service account;
providing, by the one or more processors, the payment token to a contactless payment terminal (CPT) associated with the merchant,
during a purchase transaction, the purchase transaction having a purchase amount and involving the product, the providing
comprising communicating the payment token to the CPT over a local network different from the first network such that connectivity
between the mobile device and the first network is not required;

requesting, by the CPT from the financial service provider system:
authorization of the purchase transaction; and
confirmation and authentication of the payment token parameter;
receiving, by the CPT, an indication from the financial service provider system that the purchase transaction is authorized,
such that the payment token is used to cover at least a part of the purchase amount; and

receiving, by the mobile device, the indication from the CPT.

US Pat. No. 9,866,643

SYSTEMS AND METHODS FOR PROVIDING LOCATION SERVICES

CAPITAL ONE SERVICES, LLC...

1. A beacon registering device for providing location services, comprising:
a non-transitory memory storing instructions; and
one or more processors that execute the stored instructions to perform operations comprising:
receiving beacon information from a beacon system through an application programming interface, the beacon information comprising
connection information for a plurality of beacons;

updating a beacon entry stored in a database based on the received beacon information, the beacon entry including a beacon
location, beacon connection information, and beacon metadata;

determining a confidence rating for the beacon entry based on at least one of attributes of the beacon entry or the beacon
metadata;

receiving a beacon request from a user device through the application programming interface, the beacon request indicating
a user location;

selecting a first beacon from the plurality of beacons based on the beacon entry, the beacon request, and confidence ratings
of the beacons; and

providing selected beacon information to the user device for registering the first beacon with the user device, the selected
beacon information including the connection information for the first beacon.

US Pat. No. 10,121,331

DETECTION OF UNAUTHORIZED DEVICES ON ATMS

Capital One Services, LLC...

1. A system for detecting unauthorized devices on an ATM comprising:a memory storing instructions; and
one or more processors configured to execute instructions to:
capture, via a 3D scanner, 3D image data of an ATM, the 3D image data comprising first shape data of the ATM;
determine a first difference between the first shape data and second shape data comprising baseline shape data for the ATM;
perform a first comparison by comparing a first location to a second location, the first location being a location of the first difference and the second location being a location for a known unauthorized device;
perform a second comparison by comparing the first shape data to third shape data, the third shape data comprising shape data of the known unauthorized device;
determine that an unauthorized device may be present at the ATM, based on the first and second comparisons; and
in response to determining that an unauthorized device may be present at the ATM:
receive, at an antenna located within communication range of the ATM, radio frequency (RF) signal data comprising a detected ATM RF signal;
determine an unidentified RF signal of the detected ATM RF signal;
determine whether the unidentified RF signal is present for a predetermined period of time;
determine whether a skimmer is present at the ATM based on a determination that the unidentified RF signal is present for a period of time and based on the second comparison.

US Pat. No. 10,108,897

TWO PIECE TRANSACTION CARD HAVING FABRIC INLAY

Capital One Services, LLC...

1. A method of manufacturing a transaction card, the method comprising:forming a housing component having a first housing surface opposite a second housing surface and including a cavity defined by walls of the housing component;
forming an inlay component having a first inlay surface opposite a second inlay surface, the inlay component comprising a backer layer configured to support a fabric layer;
applying a fabric material to the backer layer to form the first inlay surface; and
joining the housing component and the inlay component via the second inlay surface and the first housing surface such that inlay component is disposed within the cavity.

US Pat. No. 10,095,969

TRANSACTION CARD HAVING INTERNAL LIGHTING

CAPITAL ONE SERVICES, LLC...

1. A transaction card, comprising:a housing component having a first housing surface and a second housing surface opposite the first housing surface, the housing component including a cavity having a cavity wall;
a light source; and
an inlay component having a first inlay surface, and a second inlay surface opposite the first inlay surface, the inlay component being configured to fit into the cavity, and wherein at least a portion of said inlay component is translucent;
wherein the light source is disposed between the housing component and the inlay component; and
wherein said inlay component is joined to said housing component such that the first housing surface abuts the second inlay surface, and such that light emitted by the light source passes through the translucent portion of the inlay.

US Pat. No. 10,068,212

SYSTEMS AND METHODS FOR POINT OF SALE DEPOSITS

Capital One Services, LLC...

1. A method for executing a point-of-sale deposit, the method comprising:receiving, from a client device, transaction information related to a point-of-sale deposit;
generating a temporary financial account;
generating a first transaction token associated with the temporary financial account;
transmitting the first transaction token to the client device;
receiving second transaction token from a merchant device, wherein the second transaction token indicates that a merchant received funds for the point-of-sale deposit;
comparing the first transaction token to the second transaction token;
activating the temporary financial account based on the comparison of the first transaction token to the second transaction token;
transmitting an activation notification to a financial service provider device indicating that the temporary financial account was activated.

US Pat. No. 9,934,630

SECURE DELIVERY VIA UNMANNED VEHICLES

CAPITAL ONE SERVICES, LLC...

1. An unmanned vehicle for on-demand delivery, comprising:a navigation system for guiding the vehicle to a delivery location;
a chamber configured to house a payload and adjust a payload state, the payload state being adjusted based on detection of a tampering event, wherein adjusting the payload state comprises marking the payload; and
an authentication system configured to conditionally allow access to the payload upon arrival of the vehicle at the delivery location.

US Pat. No. 10,121,100

TWO PIECE TRANSACTION CARD HAVING FABRIC INLAY

Capital One Services, LLC...

1. A transaction card, comprising:a housing component having a first housing surface opposite a second housing surface and forming a cavity defined by walls of the housing component; and
an inlay component having a first inlay surface opposite a second inlay surface, the inlay and housing being joined along the second inlay surface and the first housing surface such that the inlay component is disposed within the cavity, the first inlay surface comprising:
a fabric material; and
a backer layer configured to support the fabric material of the first inlay surface.

US Pat. No. 10,062,177

PLACEMENT OF AUGMENTED REALITY OBJECTS USING A GUIDE MARKER

Capital One Services, LLC...

1. A system, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
determine two-dimensional (2D) coordinates of an intersection point associated with a guide marker,
the guide marker being superimposed on an image being captured by a camera,
the image being rendered for display, and
the guide marker being movable;
determine three-dimensional (3D) coordinates of the intersection point associated with the guide marker;
determine placement of an augmented reality object in relation to the intersection point;
determine 3D coordinates of the augmented reality object based on the determined placement;
determine 2D coordinates for presentation of the augmented reality object based on the determined 3D coordinates of the augmented reality object; and
superimpose the augmented reality object, according to the 2D coordinates, on the image, as the image is being rendered for display.

US Pat. No. 10,043,255

UTILIZING A MACHINE LEARNING MODEL TO AUTOMATICALLY VISUALLY VALIDATE A USER INTERFACE FOR MULTIPLE PLATFORMS

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive user interface information associated with a user interface to be provided for a particular platform;
receive design information for a design of the user interface to be provided for the particular platform;
receive a request to visually compare the user interface information and the design information;
utilize, based on the request, a trained machine learning model to visually compare the user interface information and the design information,
wherein the trained machine learning model includes two or more of:
a trained color selection model,
a trained edge detection model,
a trained region of interest model, or
a trained line detection model;
generate information, indicating defects in the user interface information, based on utilizing the trained machine learning model to visually compare the user interface information and the design information,
the defects including user interface information that does not visually match the design information; and
provide the information indicating the defects in the user interface information.

US Pat. No. 9,997,005

SOFT TOUCH RESIN AND TRANSACTION CARD COMPRISING THE SAME

Capital One Services, LLC...

1. A transaction card, comprising:a card frame configured to house a transaction component and comprising a pocket,
wherein the pocket comprises a first surface, a second surface, and a third surface,
wherein the second surface is recessed a first depth from the first surface of the card frame, and the third surface is recessed a second depth from the first surface,
wherein the second depth is greater than the first depth, and
wherein the card frame is formed of a resin mixture comprising thermoplastic elastomer (TPE) and at least one of acetal homopolymer or polybutylene terephthalate (PBT), with a ratio of TPE to at least one of acetal homopolymer or PBT between 30:70 and 70:30.

US Pat. No. 9,996,785

TRANSACTION CARD HAVING AN ELECTRICALLY APPLIED COATING

Capital One Services, LLC...

1. A transaction card, comprising:a first card component having a first electrically conductive surface;
a second card component having a second surface,
wherein the first card component is configured to be joined to the second card component,
wherein the first card component is formed of a first material, and
wherein the second card component is formed of a second material different from the first material;
a data storage component disposed in an interior cavity defined by the first card component and the second card component; and
a lip section formed on a portion of the second card component such that at least a portion of the lip section is raised above the first card component when the first card component is joined to the second card component.

US Pat. No. 9,978,058

SYSTEM, METHOD, AND APPARATUS FOR A DYNAMIC TRANSACTION CARD

Capital One Services, LLC...

1. A dynamic transaction card comprising:a sensor that detects an input of the dynamic transaction card;
an application that is account-provider specific and includes instructions to generate a display upon receiving input from the sensor;
an EMV processor in communication with a microprocessor, wherein the microprocessor receives application data from the application and activates a display component via a display driver;
the display component comprising one or more LED lights, wherein the one or more LED lights generate a barcode using constructive interference to generate an analog wave that is read by a barcode reader, wherein the LED lights are individually driven at different frequencies such that a light wave generated from each LED light constructively interferes with light waves generated by other LED lights, creating one or more spatial light voids in the analog wave;
an energy storage component to power the dynamic transaction card.

US Pat. No. 10,148,773

SYSTEMS AND METHODS FOR PROVIDING LOCATION SERVICES

Capital One Services, LLC...

1. A user device for providing location services, comprising:a non-transitory memory storing instructions; and
one or more processors that execute the stored instructions to perform operations comprising:
intermittently determining a user location and transmitting the user location in a beacon request to a beacon registry through an application programming interface;
receiving beacon information from the beacon registry, the beacon information including connection information for a beacon selected by the beacon registry from a plurality of beacons based at least in part on confidence ratings of the plurality of beacons;
registering the selected beacon using the connection information;
receiving an indication from the registered beacon; and
providing a user message to a second user device, wherein the user message comprises communication information for the registered beacon.

US Pat. No. 10,120,670

SYSTEMS AND METHODS FOR BUILDING GENERIC CI/CD PIPELINES

Capital One Services, LLC...

1. A method of deploying an application, the method comprising:creating, by a processor, a virtual container including at least one program that is generically executable in a plurality of different continuous integration and delivery (CI/CD) environments, the creating comprising:
incorporating at least one stage script into the at least one program, the at least one stage script defining a flow for the at least one program, and
incorporating at least one utility library into the at least one program, the at least one utility library including instructions for at least one generic application task, wherein the at least one stage script ingests at least a portion of the at least one utility library during at least one step in the flow of the at least one program and ingests additional code outside the at least one utility library during at least one step in the flow of the at least one program;
creating, by the processor, a separate pipeline definition from a generic pipeline definition for each of the plurality of different CI/CD environments, each pipeline definition indicating the CI/CD environment for which it is created and being configured to operate only in the CI/CD environment for which it is created, and each pipeline definition being configured to cause the CI/CD environment for which it is created to execute the at least one program; and
deploying, by the processor, at least one of the pipeline definitions along with the virtual container in the CI/CD environment for which the at least one of the pipeline definitions is created, thereby enabling execution of the at least one program within the CI/CD environment for which the at least one of the pipeline definitions is created, wherein transitioning a pipeline from the CI/CD environment for which the at least one of the pipeline definitions is created to another CI/CD environment includes customizing only a generic build script for the other CI/CD environment.

US Pat. No. 10,115,104

SYSTEMS AND METHODS FOR GENERATING AND MANAGING DYNAMIC CUSTOMIZED ELECTRONIC TOKENS FOR ELECTRONIC DEVICE INTERACTION

Capital One Services, LLC...

1. A token-based electronic device interaction system for transferring data between a user device associated with a user and a remote device, comprising:a memory storing instructions; and
at least one processor configured to execute the stored instructions to perform operations comprising:
receiving, via a network, transaction information from the remote device associated with a transaction;
accessing information associated with an electronic token having a plurality of expiration parameters, the electronic token being:
associated with at least one of the user or the user device; and
generated based on the received transaction information;
providing the information associated with the electronic token to the remote device;
monitoring the status of the transaction; and
modifying at least one of the expiration parameters, based on the monitored status by applying a rule set to the at least one expiration parameter.

US Pat. No. 10,034,137

SYSTEMS AND METHODS FOR AUTOMATIC PATH MANAGEMENT

Capital One Services, LLC...

18. A path management system comprising:one or more processors; and
at least one non-transitory memory storing instructions that when executed by the one or more processors cause the path management system to perform operations comprising:
collecting first location data from a first user device in a store;
determining a first user device path in an environment based on the first location data;
calculating a path map based on the first user device path, the path map including device density data indicating a device density associated with the environment and device velocity data indicating a device velocity associated with the environment;
generating an instruction to modify a store condition based on the path map, wherein the instruction to modify the store condition comprises one or more of instructions to change a status of a point of service, instructions to change a status of a queue, and instructions to change a staffing level of at least part of a service location;
receiving second location data associated with a second user device, the second location data including one of a proximity of the second user device to a receiver in the environment and a proximity of the second user device to a beacon in the environment;
receiving a request from the second user device, the request including a finish location;
determining a start location of the second user device based on the second location data;
updating the finish location in the store upon implementation of the instruction to modify the store condition; and
determining a route in the environment based on the path map, the start location, and the updated finish location.

US Pat. No. 10,019,723

SYSTEMS AND METHODS FOR PROVIDING A REDEEMABLE COMMERCE OBJECT

Capital One Services, LLC...

1. A system for providing a redeemable commerce object on a web page, comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive, by the one or more processors and over a network, an object placement request from a first computing device, the object placement request comprising identification data associated with a first account;
determine, by the one or more processors, whether at least a portion of the identification data corresponds to account identification data stored in an account identification database;
modify, by the one or more processors and based on the determination and in response to the object placement request, a web page to include a representation of the redeemable commerce object, the redeemable commerce object being located within the web page based on the object placement request, wherein the web page is modified such that the representation of the redeemable commerce object is made visible within a rendering of the web page when a selector is scrolled over the location within the web page at which the representation of the redeemable commerce object is located;
activate, by the one or more processor, a link to the web page;
receive, by the one or more processor and over the network, an object selection request associated with the redeemable commerce object from a second computing device, the second computing device having accessed the web page via the activated link, the object selection request comprising identification data associated with a second account; and
transfer, by the one or more processors, payment from the first account to the second account to redeem the commerce object based on the object selection request.

US Pat. No. 9,902,108

RAPID PROTOTYPING METHOD OF PRODUCING TOOLING FOR AN INJECTION MOLD

CAPITAL ONE SERVICES, LLC...

1. A method of producing a mold for injection molding an article, the method comprising:
producing a replica of the article using at least one of an additive manufacturing process or a subtractive manufacturing
process;

providing a support block configured to:
receive at least a portion of the replica of the article; and
support the replica with at least one of an:
outer peripheral surface of the replica; or
an inner peripheral surface of the replica positioned at a spaced distance from a peripheral surface of a portion of the support
block;

supporting the replica inside the support block at the spaced distance;
introducing a ceramic resin material into the spaced distance;
allowing the ceramic resin material to cure and form a ceramic mold insert supported in the support block;
removing the replica from the ceramic mold insert;
removing the ceramic mold insert from the support block;
subjecting the ceramic mold insert to a sintering process; and
replacing the ceramic mold insert within the support block to form a part of a mold tool adapted for installation in a standard
plastic injection molding machine.

US Pat. No. 10,074,080

WEARABLE TRANSACTION DEVICES

Capital One Services, LLC...

1. A client device for executing a transaction, comprising:a wearable device comprising a sensor;
one or more hardware processors;
a user interface configured to communicate, to a second client device, transaction information related to a transaction;
a memory storing instructions which, when executed by the one or more hardware processors, cause the one or more hardware processors to perform the steps of:
storing the transaction information in the memory;
sensing, by the wearable device using the sensor, a virtual action of an avatar of a user in a virtual space;
generating a signal, based on the sensed virtual action;
accessing the transaction information from the memory, based on the sensed virtual action;
identifying an operation, based on at least the transaction information;
determining that the operation is authorized by the user, based on at least the signal; and
transmitting a first notification to a server, based on the determination that the operation is authorized by the user, the first notification including at least an indication of the identified operation.

US Pat. No. 10,055,734

SYSTEMS AND METHODS FOR PROCESSING CUSTOMER PURCHASE TRANSACTIONS USING BIOMETRIC DATA

Capital One Services, LLC...

1. An apparatus, comprising:a storage device that stores a set of instructions; and
at least one processor coupled to the storage device, the set of instructions configuring the at least one processor to:
receive, from a client device, a request to process a transaction using biometric data;
determine required biometric data to process the transaction, the required biometric data comprising a randomly selected characteristic for which biometric data has been previously recorded for a user associated with the client device;
receive from the client device, client biometric data corresponding to the required biometric data;
compare the client biometric data with stored biometric data;
generate a confidence value based on the comparison;
determine whether the confidence value meets a threshold amount; and
proceed with the request when the confidence value meets the threshold amount.

US Pat. No. 10,026,084

SYSTEMS AND METHODS FOR INITIATING AND AUTHORIZING TRANSACTIONS USING A DETECTABLE DEVICE

Capital One Services, LLC...

10. A computer-implemented method for initiating and authorizing a transaction, the method comprising:associating, by one or more processors, a detectable device with at least one financial account;
receiving a notification indicating that the detectable device is involved in a potential transaction wherein the potential transaction is initiated by a sensor device detecting an initiating action of the detectable device, and the initiating action includes the detectable device moving from a first designated area to a second designated area;
receiving transaction information associated with the potential transaction;
identifying, by the one or more processors, a customer profile associated with the detectable device;
determining, by the one or more processors, whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile; and
transmitting, by the one or more processors, a result of the determination.

US Pat. No. 10,005,290

LASER ASSEMBLY FOR A LASER PRINTER

Capital One Services, LLC...

1. A device comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
identify a resolution setting of a laser printer,
the resolution setting indicating a resolution at which the laser printer is to print;
determine a set of lasers, from a plurality of lasers of a laser assembly, that are to be used to print at the resolution,
the laser assembly comprising the plurality of lasers to emit respective photons toward a prism, and
the prism being to redirect the respective photons toward a collimator lens of the laser printer to form a photon beam;
determine an amount of time needed for each laser, of the set of lasers, to reach a photon emission threshold;
determine a timing schedule for activating each laser, of the set of lasers, that are to be used to print at the resolution, using the photon beam, based on the amount of time needed for each laser, of the set of lasers, to reach the photon emission threshold; and
activate the set of lasers to emit the respective photons according to the timing schedule.

US Pat. No. 9,965,797

SYSTEM AND METHOD FOR GENERATING USER CUSTOMIZED ORDER INTERFACE

CAPITAL ONE SERVICES, LLC...

1. A system, comprising:a transaction server; data storage; and an authentication server;wherein the authentication server detects, using geo-fencing technologies, that a user device is within a proximity of a particular merchant; and wherein the transaction server:receives a request for a merchant ID associated with the particular merchant from the user device upon detection that the user device is within a proximity of the particular merchant;
retrieves transaction information and transaction IDs associated with the merchant ID from the data storage;
links the transaction IDs to specific order information;
transmits the specific order information to the user device; and
generates, via a mobile application on the user device, a user customized order interface related to the specific order information;
wherein the transaction server, data storage, and authentication comprise an open, distributed system architecture.

US Pat. No. 9,905,086

MONITORING CASH SUPPLY-RELATED INFORMATION AND MANAGING REFILL OF A CASH SUPPLY

Capital One Services, LLC...

1. A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
determine that a cash supply associated with an automated teller machine (ATM) device needs to be refilled;
provide, to a plurality of user devices, a notification related to refilling the cash supply,
the notification identifying a need for the cash supply to be refilled,
the notification including information related to the need for the cash supply to be refilled,
the notification including information identifying one or more incentives related to the need for the cash supply to be refilled;
receive, from each of one or more user devices of the plurality of user devices, a response to the notification,
the response, from a user device of the one or more user devices, including information identifying a capability of an individual,
associated with the user device, to provide cash to refill the cash supply,

the response including information related to at least one of:
the individual,
the user device, or
an account associated with the individual;
select, based on the response from each of the one or more user devices, at least one individual to refill the cash supply
with the cash; and

provide, to each of the one or more user devices, another notification related to refilling the cash supply,
the other notification, for the user device, indicating whether the individual has been selected to refill the cash supply.

US Pat. No. 10,089,619

ELECTRONIC WALLET DEVICE

Capital One Services, LLC...

1. An electronic wallet device, comprising:a plurality of card slots to receive transaction cards;
a plurality of card readers,
each card reader, of the plurality of card readers, being associated with a card slot of the plurality of card slots;
a hub comprising:
a processor to:
receive transaction information associated with a transaction at a transaction terminal;
automatically select a transaction card, of the transaction cards received in the plurality of card slots, to perform the transaction,
the transaction card being selected based upon:
the transaction information associated with the transaction terminal, and
card information associated with the transaction cards received in the plurality of card slots,
the transaction card being selected based upon a scoring system,
the transaction card being selected based upon the transaction card satisfying a threshold value according to the scoring system; and
perform the transaction without removing the selected transaction card from the respective card slot;
a communication interface; and
a switching component that connects the plurality of card readers to the hub; and
a mechanical switching apparatus to selectively connect transaction cards received in the plurality of card slots to corresponding card readers of the plurality of card readers via the switching component,
the mechanical switching apparatus being configured to make the transaction cards unavailable for use when the transaction cards are not connected to corresponding card readers.

US Pat. No. 10,083,441

PROCESSING MESSAGES FOR ATTRIBUTE-VALUE PAIR EXTRACTION

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
process a message associated with an account to identify a first identifier that identifies a third party with which the message is associated;
identify a match between the first identifier and transaction information related to an individual associated with the account,
the transaction information including a set of first identifiers that identify a respective set of third parties related to a set of transactions associated with the individual,
the transaction information to facilitate identification of one or more messages that is likely to include a first account information;
tag the message with a second identifier based on the match between the first identifier and at least one identifier of the set of first identifiers included in the transaction information,
the second identifier identifying the message as being associated with the third party;
receive, from another device, the message based on the message being tagged with the second identifier,
the other device being associated with the account;
process the message to identify a second account information related to another account associated with the third party;
extract the second account information from the message after processing the message to identify the second account information;
determine a location of a user device associated with the individual,
the location being associated with the other account; and
provide, for display and based on the location being associated with the other account, the second account information or the message after extracting the second account information from the message.

US Pat. No. 10,055,915

SECURE DELIVERY VIA UNMANNED VEHICLES

CAPITAL ONE SERVICES, LLC...

1. A method for secure delivery via an unmanned vehicle, the method comprising:creating a user profile;
receiving a request for on-demand delivery of a payload, wherein the request is associated with the user profile;
transmitting, to the unmanned vehicle, instructions to:
travel to a delivery destination with the payload;
initiate an interaction with a user associated with the user profile;
conduct an authentication process comprising verifying information provided by the user with the information in the user profile associated with the request; and
grant access to the payload following the verification process.

US Pat. No. 9,988,193

PRESENTATION BOX FOR A TRANSACTION CARD

Capital One Services, LLC...

1. A presentation box, the presentation box comprising:a hinged lid connected to a hinge edge of the presentation box,
the hinged lid to pivot about the hinge edge of the presentation box when moved between a closed position and an open position; and
a presentation apparatus comprising:
a tether that is attached to the hinged lid by a tab of the tether,
where the tab is adhered to the hinged lid,
where the tab is formed from a first notch in the tether and a second notch in the tether, and
where the first notch and the second notch are positioned on opposite edges of the tether, and
a sleeve,
where the presentation apparatus is to move the sleeve between a first position when the hinged lid is in the closed position and a second position when the hinged lid is in the open position,
where the first position is different from the second position.

US Pat. No. 9,978,038

AUTOMATED SYSTEMS FOR REDUCING COMPUTATIONAL LOADS IN THE MASS EXECUTION OF ANALYTICAL MODELS USING SCALE-OUT COMPUTING

Capital One Services, LLC...

1. A system for reducing computational loads associated with predicting transactions using scale-out computing of analytical models, comprising:a memory storing instructions; and
one or more processors configured to execute the instructions to perform operations comprising:
receiving, via an Application Programming Interface (API), a transaction proposal including a first plurality of transaction parameters;
identifying, via an actor pool associated with a data interface module, a plurality of data sources, the plurality of data sources being identified based on the transaction proposal;
iteratively verifying, via an actor pool associated with the data interface module, the plurality of data sources;
generating, via a minimally viable transaction (MVT) generator, an MVT, the MVT comprising a second plurality of transaction parameters and being based on the transaction proposal;
generating, via an actor pool associated with a transaction generator, a first plurality of transaction options, the first plurality of transaction options being generated based on the transaction proposal and the MVT;
scoring, via an actor pool associated with a scoring engine, the MVT and at least one of the first plurality of transaction options, the MVT and the transaction options being scored using an analytical model;
verifying, via an actor pool associated with a policy calculator, that the MVT and the transaction options comply with a transaction policy, the MVT and the transaction options being verified based on the scoring;
optimizing, via an actor pool associated with a transaction optimizer, the transaction options based on a preference; and
transmitting, via the API:
data indicating whether the transaction proposal is approved, wherein whether the transaction proposal is approved is determined based on whether the MVT complies with the transaction policy, and
at least one transaction offer based on the optimized transaction options.

US Pat. No. 10,108,959

SYSTEMS AND METHODS FOR PERFORMING ATM FUND TRANSFER USING ACTIVE AUTHENTICATION

CAPITAL ONE SERVICES, LLC...

1. A method of performing a funds transfer using an automated teller machine (ATM), comprising:receiving, by at least one computer processor of a financial institution, a funds transfer request from a transferor having an account with the financial institution, said funds transfer request comprising a unique identifier of a mobile financial transaction instrument of a transferee;
generating, in response to the funds transfer request, by the at least one computer processor, a first PIN and a one-time active authentication transaction key, the key comprising a random alpha-numeric string;
storing, in a non-transient memory device, the one-time active authentication transaction key, the first PIN, and at least the unique identifier;
transmitting, by the at least one computer processor, a message comprising the first PIN to the mobile financial transaction instrument of the transferee uniquely identified in the funds transfer request;
establishing, by the at least one computer processor, a secure connection with the mobile financial transaction instrument of the transferee;
receiving, by the at least one computer processor via the established secure connection, a PIN from the mobile financial transaction instrument of the transferee;
validating, by the at least one computer processor, the received PIN by comparing the received PIN to the stored first PIN;
if the received PIN is validated, transmitting, by the at least one computer processor via the established secure connection, the stored one-time active authentication transaction key to the mobile financial transaction instrument of the transferee;
receiving, by the at least one computer processor, an authorization request for a funds transfer from an automated teller machine (ATM), said authorization request comprising the portion of a one-time active authentication transaction key received by the ATM from the mobile financial transaction instrument of the transferee and a second PIN generated by the ATM to authenticate the transferee;
validating, by the at least one computer processor, the received portion of the one-time active authentication transaction key by comparing the received portion of the one-time active authentication transaction key to the stored one-time active authentication transaction key;
if the received portion of the one-time active authentication transaction key is validated, transmitting, by the at least one computer processor, an authorization message to the ATM authorizing dispersal of funds to complete the funds transfer and transmitting the second PIN to the mobile financial instrument of the transferee;
receiving, by the ATM from the mobile financial transaction instrument of the transferee, the second PIN;
in response to receiving the authorization message from the at least one computer processor and the second PIN from the mobile financial transaction instrument of the transferee, verifying, by the ATM, whether the received second PIN matches the generated second PIN; and
dispensing, by the ATM, funds to complete the funds transfer if the received second PIN matches the generated second PIN.

US Pat. No. 10,089,697

SYSTEMS AND METHODS FOR EXTRACTING INFORMATION FROM A TRANSACTION DESCRIPTION

Capital One Services, LLC...

1. A system for extracting location information from a transaction description, comprising:at least one automated server configured to cleanse transaction descriptions of customer purchases, comprising one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, performs the operations of:
receiving a plurality of transaction descriptions associated with a plurality of completed transactions from a plurality of merchant devices, each transaction description including a first alphanumeric string;
building a merchant information database associating location aliases with merchant information, including:
using pattern extraction on at least one of the plurality of transactions to identify location information and merchant information;
determining at least one location alias based on the identified location information;
associating the at least one location alias with the identified merchant information; and
storing the association in the merchant information database; and
automatically cleansing each received transaction description, including:
determining, from each transaction description, a merchant identifier associated with the transaction description;
determining, from the merchant information database, location information corresponding to the merchant identifier;
comparing the location information from the merchant information database with the first alphanumeric string to identify at least one second alphanumeric string, the second alphanumeric string comprising data from the first alphanumeric string corresponding to location information from the merchant information database;
extracting additional location information from the transaction description that is not associated with the location information from the merchant information database by identifying another second alphanumeric string that includes a location name; and
removing the plurality of identified second alphanumeric strings from the first alphanumeric string.

US Pat. No. 10,026,209

GROUND PLANE DETECTION FOR PLACEMENT OF AUGMENTED REALITY OBJECTS

Capital One Services, LLC...

1. A system, comprising:a camera;
a display;
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
identify a horizontal plane in an image being captured by the camera and presented on the display;
determine a perimeter of the horizontal plane;
determine that a first dimension of the perimeter of the horizontal plane satisfies a first threshold;
determine that a second dimension of the perimeter of the horizontal plane satisfies a second threshold;
designate the horizontal plane as a ground plane based on determining that the first dimension satisfies the first threshold and the second dimension satisfies the second threshold; and
output an indication that the horizontal plane has been designated as the ground plane.

US Pat. No. 10,026,270

DETECTION OF UNAUTHORIZED DEVICES ON ATMS

Capital One Services, LLC...

1. A method for detecting unauthorized devices on an ATM, the method comprising:capturing 3D image data for an ATM, the 3D image data comprising first shape data, the first shape data comprising shape data for the ATM;
determining a first difference between the first shape data and second shape data, the second shape data comprising baseline shape data for the ATM;
performing a first comparison by comparing a first location to a second location, the first location being a location of the first difference and the second location being a location for a known unauthorized device;
performing a second comparison by comparing the first shape data to third shape data, the third shape data comprising shape data of the known unauthorized device; and
determining whether an unauthorized device is present at the ATM, based on the first and second comparisons.

US Pat. No. 10,120,926

ATTRIBUTE SHARING PLATFORM FOR DATA PROCESSING SYSTEMS

Capital One Services, LLC...

1. A method, comprising:receiving, by a processor, information for an attribute to be included in a shared attribute library,
wherein the information includes:
an attribute identifier,
one or more data variables needed to compute a value of the attribute, and
a source code for computing the value of the attribute,
wherein the source code is written in a first programming language;
receiving, by the processor, a first request to compute the value of the attribute based on a first set of data variables from a first type of data processing application;
receiving, by the processor, a second request to compute the value of the attribute based on a second set of data variables from a second type of data processing application that is different than the first type of data processing application;
selecting, by the processor, a computing server from a plurality of computing servers,
wherein the computing server is configured to execute the first programming language to compute the value of the attribute based on the first set of data variables and the second set of data variables, and
wherein at least two of the plurality of computing servers are associated with different programming languages;
receiving, by the processor, a first attribute value based on using the source code to compute the value of the attribute based on the first set of data variables;
receiving, by the processor, a second attribute value based on using the source code to compute the value of the attribute based on the second set of data variables;
transmitting, by the processor, the first attribute value as an input for the first type of data processing application; and
transmitting, by the processor, the second attribute value as an input for the second type of data processing application.
US Pat. No. 10,102,497

SYSTEMS AND METHODS FOR MOBILE DEVICE-BASED ITEM ACQUISITION AND TRACKING

Capital One Services, LLC...

1. A method for initiating contactless acquisition of offered items using a processing terminal, comprising:receiving a first list of interest items directly from a mobile device;
determining a sale price for a first selected one of the interest items;
entering a wireless scan mode on the processing terminal;
detecting, with the processing terminal using the scan mode, signals from tags associated with offered items in proximity to the tags;
creating a second list comprising offered items associated with the detected signals;
determining whether the first selected interest item is present on the second list and whether any of the second list items are present on the first list;
presenting the result of the determination to the mobile device;
prompting, based on the result determination, approval from the mobile device, whereby:
when none of the second list items are present on the first list, the mobile device is prompted to approve the addition of the second list items to the first list, or
when the first selected interest item is not present on the second list, the mobile device is prompted to approve the removal of the first selected interest item from the first list; and
based on the approval, enabling the mobile device to complete a transaction to purchase the interest items.

US Pat. No. 10,140,565

TRANSACTION CARD HAVING INTERNAL MAGNETIC STRIPE

Capital One Services, LLC...

1. A transaction card, comprising:a card frame having a card inlay and a card housing;
a pocket formed in at least one of the card inlay or the card housing;
a magnetic stripe disposed inside the pocket; and
a stripe indicator located on an exterior surface of the card frame.

US Pat. No. 10,127,571

SYSTEMS AND METHODS FOR SUGGESTING FINANCIAL ACCOUNT CARDS STORED ON A WIRELESS DEVICE

Capital One Services, LLC...

1. A wireless device configured to facilitate payment at a merchant system, the wireless device comprising:one or more processors;
one or more memories having instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
determining a location of the wireless device;
determining a category of an item to be purchased in a transaction at the merchant system by:
sending a request to one or more remote computer systems to obtain a category for a closest merchant corresponding to the location of the wireless device; and
determining the category of the item based at least in part on the category for the closest merchant;
determining, based at least in part on card data stored on the wireless device for a plurality of financial account cards, rewards benefit information for at least one of the financial account cards;
determining a first financial account card to be utilized to purchase the item, the first financial account card being determined based at least in part on the determined rewards benefit information and the determined category of the item; and
communicating to the merchant system card data of the first financial account card; and
a display screen configured to display data on a graphical user interface, the data comprising:
information for the financial account cards; and
an identification of the first financial account card.

US Pat. No. 10,115,166

SYSTEM AND METHOD FOR ACCOUNT TRANSACTION AND BALANCE PREDICTION

Capital One Services, LLC...

1. A system comprising:a financial data storage that stores internal account data, external account data, and transaction data;
a communications interface that receives, via a network, external account data from an external data source and transaction data from a merchant;
a database manager that cooperates with the communications interface to store the received external account data in the financial data storage and the received transaction data from the merchant;
an account balance prediction processor that determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data, determines recurring income data based on at least one of: the internal account data and the external account data, determines a predicted financial transaction using a predictive model based on the recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive model based on the recurring income data and the prediction time period, and calculates a predicted account balance based on a plurality of predicted financial transactions and the predicted income;
wherein the account balance prediction processor evaluates the internal account data, the external account data and the transaction data and applies seasonal, demographic, and geographic trend factors to calculate a volatility factor of credits and debits associated with an internal account that provides confidence associated with the predicted transactions, income data, and account balance; provides a range associated with each of the account balance and predicted financial transactions and income data to illustrate a first end prediction and a second end prediction associated with each of the predicted transactions, income, and account balance, the range based on the calculated volatility factor; presents a predetermined list to an account holder mobile device to receive a selection therefrom indicating whether the internal account data, external account data, and the transaction data includes a one-time transaction or the credits and debits are recurring; and prompts, based on analyzing related financial transactions across a set of account holders, the account holder mobile device to receive a selection therefrom for likely missing financial transactions including whether there is a related recurring financial transaction;
a transaction monitor that receives actual financial transaction data and actual income data, compares the actual financial transaction data with the plurality of predicted financial transactions, and compares the actual income data with the predicted income data;
an alert transmitter that generates and transmits in real time, via the network in cooperation with the communications interface, an alert to the account holder mobile device indicative of a change in available funds, an alert to the account holder mobile device when a predicted financial transaction and/or income data has been matched with an actual financial transaction and/or income data, the matching based on one or more fuzzy matching algorithms; and an alert to the account holder mobile device when a predicted financial transaction and/or income data has not been matched with an actual financial transaction and/or income data within a predetermined time period; and
a machine learning processor that continuously adjusts calculations of the predicted financial transactions and income.

US Pat. No. 10,026,074

METHOD AND SYSTEM OF CAPTURING AN IMAGE OF A CARD

Capital One Services, LLC...

1. An imaging device for capturing an image of a card having a magnetic stripe, comprising: an image sensor for generating image data of the card; a memory for storing instructions; and a processor configured to execute the instructions to: generate data of a first representation of the card from the image data by detecting the magnetic stripe; generate data of a plurality of second representations of the card via color delta analysis; and generate data of a third representation of the card by comparing the first and second representations, wherein generating data of the second representations comprises: calculating average RGB values of pixels in pixel rows of the image data; calculating average RGB values of pixels in pixel columns of the image data; calculating delta RGB values for pairs of average RGB values of adjacent pixel rows; calculating delta RGB values for pairs of average RGB values of adjacent pixel columns; identifying delta RGB peak values near edges of the still image as edges of the card; and cropping the image data along the detected edges of the card to obtain one of the second representations.

US Pat. No. 10,013,683

SYSTEMS AND METHODS FOR POINT OF SALE DEPOSITS

Capital One Services, LLC...

1. A system for executing a point-of-sale deposit, comprising:one or more memory devices storing software instructions; and
one or more processors configured to execute the software instructions to perform operations comprising:
receiving, from a mobile device associated with a customer, point-of-sale deposit information;
encoding the point-of-sale deposit information according to specifications associated with (i) the mobile device and (ii) a merchant device associated with a merchant;
transmitting the encoded point-of-sale deposit information to the mobile device for transmission to the merchant device;
receiving, from the merchant device, a completion notification indicating that (i) the merchant device received the encoded point-of-sale deposit information from the mobile device and (ii) the merchant received funds for deposit from the customer at a point of sale; and
transferring funds to the financial service account held by the customer based on the point-of-sale deposit information and the completion notification.

US Pat. No. 10,127,578

METHOD AND SYSTEM FOR MATCHING PURCHASE TRANSACTION HISTORY TO REAL-TIME LOCATION INFORMATION

CAPITAL ONE SERVICES, LLC...

1. A method of providing a list of current offers from retailers to a user operating a mobile client device, the method comprising:identifying, by at least one processor and based on a transaction history of the user, vendor data associated with a vendor who has transacted with the user;
identifying, by the at least one processor and based on the vendor data, the vendor who has transacted with the user;
receiving, from the mobile client device and by the at least one processor, a present geographic location of the mobile client device;
determining, by the at least one processor, at least one location associated with the vendor;
determining, by the at least one processor, that the at least one location is within a proximity of the mobile client device;
identifying, by the at least one processor, a current promotion offered by the vendor, the identifying comprising:
executing a web crawler process to search for offers from vendors;
determining that at least one of the offers found by the web crawler process matches the vendor;
determining whether an address element associated with the vendor is a word-to-word match of an address element in the current promotion; and
responsive to determining that the address element associated with the vendor is a word-to-word match of the address element in the current promotion, corroborating the word-to-word match by determining a secondary match of the current promotion offered by the vendor, wherein determining the secondary match comprises determining a fuzzy match based on a comparison of an additional vendor element associated with the vendor to an additional vendor element in the current promotion, the fuzzy match using ngrams;
generating, by the at least one processor, the current promotion offer comprising information related to a previous transaction amount in the transaction history; and
transmitting, by the at least one processor, the current promotion offer to the mobile client device associated with the user.

US Pat. No. 10,115,047

TRANSACTION CARD WITH SECURED MAGNETIC STRIP AND METHOD FOR MAKING THE SAME

Capital One Services, LLC...

1. A transaction card comprising:a card inlay having an outer surface and an inner surface opposite thereto;
a first data storage component having a first surface and a second surface opposite thereto;
a card body comprising an outer surface and an inner surface opposite thereto; and
a window formed in the transaction card and housing the first data storage component;
wherein the card inlay is joined to the card body such that:
the outer surface of the card inlay substantially forms a first outer surface of the transaction card and the outer surface of the card body forms a second outer surface of the transaction card;
a portion of the inner surface of the card inlay contacts a reflective material positioned between the inner surface of the inlay and the inner surface of the body; and
the first data storage component is exposed through the window.

US Pat. No. 10,133,975

TRANSACTION CARD HAVING AN ELECTRICALLY APPLIED COATING

Capital One Services, LLC...

1. A transaction card, comprising:a first card component having an electrically applied coating and defining a first side of the transaction card;
a second card component defining a second side of the transaction card;
an interior cavity defined by the first card component and the second card component; and
a data storage component disposed within the interior cavity, wherein the second card component is thicker than the first card component.

US Pat. No. 10,108,966

SYSTEM AND METHOD FOR AUTOMATICALLY AUTHENTICATING A CALLER

Capital One Services, LLC...

1. A mobile device comprising:an antenna;
a microprocessor; and
memory storing instructions that, when executed by the microprocessor, cause the microprocessor to:
generate an interactive display on a mobile device display that prompts a user to provide authentication credentials via a caller authentication application that is integrated into an online banking mobile application;
receive, via an input device, the authentication credentials;
register the authentication credentials with the online banking mobile application;
recognize when the input device receives an input directing the mobile device via an API on the mobile device that interacts with the caller authentication application to contact a call center system via the antenna;
create a connection between the mobile device and the call center system via the antenna; and
transmit, upon recognition of an input to contact the call center system, the authentication credentials to the call center system in an encrypted data transfer via the antenna,
wherein a processor connected to the call center system is configured to:
retrieve a user profile based on the recognition of the input to contact the call center system and temporarily holds the user profile for a predetermined amount of time;
route the connection on an authenticated path when the authentication credentials are received at the call center system within a predetermined amount of time and the authentication credentials at least partially match the temporarily held user profile, and wherein the processor is configured to route the connection on an unauthenticated path when the authentication credentials are received within the predetermined amount of time and do not at least partially match the temporarily held user profile; and
wherein the authentication credentials are predetermined and changeable by the call center system, and wherein responsive to the authentication credentials being changed, the microprocessor is further configured to receive data to generate a prompt on the mobile device display for the changed predetermined authentication credentials.

US Pat. No. 10,085,131

SYSTEMS AND METHODS FOR COMMUNICATING WITH A UNIQUE IDENTIFIER

Capital One Services, LLC...

1. A system for device communication, comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
transmit a first unique identifier to a first wave device;
receive a second unique identifier from the first wave device;
modify a first payload based on the second unique identifier; and
transmit the first payload to the first wave device based on receipt of the second unique identifier,
wherein the first unique identifier exclusively identifies a first person associated with a second wave device and the second unique identifier exclusively identifies a first wave receiver, the first wave receiver being associated with at least one of a person, an entity, a place, or an object,
wherein at least the first unique identifier is transmitted to the first wave device based on an indication of a proximity between the first person and the first wave receiver,
wherein the first payload includes a list of unique identifiers, the listed identifiers previously received by the second wave device,
wherein the one or more processors are further configured to transmit the second unique identifier and information identifying a time, date, and location that the second unique identifier was received to a data collection device, wherein the data collection device is configured to facilitate a determination of interactions involving the first unique identifier and to facilitate a determination of direct and indirect interactions involving the first unique identifier; and
wherein the one or more processors are further configured to receive information from the data collection device, the information configured to trigger an action based on information matched to the second unique identifier.

US Pat. No. 10,121,330

ATM SKIMMER DETECTION BASED UPON INCIDENTAL RF EMISSIONS

Capital One Services, LLC...

1. A system for detecting an unauthorized device at a card reader, the system comprising:a memory storing instructions; and
a processor configured to execute instructions to:
receive radio frequency (RF) signal data corresponding to a first RF signal emitted by an unauthorized device and detected by a first antenna located within communication range of the unauthorized device;
determine that the first RF signal matches a characteristic of a second RF signal, the second RF signal being associated with a known unauthorized device; and
determine that the unauthorized device is present at a card reader based on the determination that the first RF signal matches the characteristic of the second RF signal of the unauthorized device is present for a predetermined period of time.

US Pat. No. 10,115,083

CAMERA ACTIVATION AND IMAGE PROCESSING FOR TRANSACTION VERIFICATION

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive, from a transaction terminal, first information related to a transaction, the transaction being completed via the transaction terminal;
identify, based on receiving the first information, a user device;
provide, to the user device, a notification relating to the transaction, the notification causing:
the user device to activate a camera associated with the user device, and
the user device to initiate a timer that provides an indication of an amount of time relating to capturing an image of a receipt associated with the transaction;
receive, from the user device, the image of the receipt;
process the image of the receipt to perform an analysis of the transaction; and
perform an action related to the transaction based on a result of processing the image of the receipt.

US Pat. No. 10,108,950

SYSTEM AND METHOD FOR PROVIDING A GROUP ACCOUNT

CAPITAL ONE SERVICES, LLC...

1. A system comprising:a group fund processor having a communications interface that receives account data associated with a primary account from a first device over a network, the first device including a mobile application configured to establish a secure connection with the group fund processor and being configured to enable an executor to create a group fund account including a recurring time limit, the mobile application being associated with a social networking platform, the group fund processor configured to associate one or more limits with the group fund account based on at least one selection received from the first device, wherein the group fund processor is configured to transmit a query to, and receive input responsive to the query from, the first device indicating whether the group fund account should close at a time associated with the recurring limit;
an alert interface that transmits an electronic invitation including a description of a first amount to a second device of an invited user over the network and receives a response from the second device of the invited user to the at least one invitation via the network, wherein the response includes account data associated with a group member account of the invited user; and
an account processor that links the group fund account to the primary account so that the group fund account funds the primary account, and links the group member account of the invited user to the group fund account so that the first amount is transferred from the group member account of the invited user to the group fund account, the mobile application of the first device further configured to enable the invited user to interact with the group fund processor as a group member, the group fund processor being further configured to prompt the group member to post information associated with the first amount via a mobile application of the second device to a social media account associated with the social networking platform.

US Pat. No. 10,140,184

NODE RECOVERY IN STATIC DISTRIBUTED NETWORKS

Capital One Services, LLC...

1. A method of operating a network, the method comprising:instantiating a first static server configured to perform at least one first node process;
instantiating a second static server configured to perform at least one second node process, wherein the at least one first node process and the at least one second node process are portions of a same network process;
periodically analyzing, by a conglomerate server, the at least one first node process and the at least one second node process to identify a network process state including an average state based on the at least one first node process and the at least one second node process and storing, by the conglomerate server, the network process state in a memory, the analyzing including averaging at least one state of the at least one first node process and at least one state of the at least one second node process to determine the average state;
detecting a failure in the first static server, wherein the failure causes an unrecoverable loss of progress in the at least one first node process; and
in response to the detecting, reinstantiating the first static server, the reinstantiating comprising restarting the at least one first node process according to the network process state from the memory.

US Pat. No. 10,121,130

SYSTEM AND METHOD FOR PROVIDING THIRD PARTY PAYMENTS WITH NON-INTEGRATED MERCHANTS

CAPITAL ONE SERVICES, LLC...

1. A system comprising:a processor that dynamically intercepts retailer data from a third party website associated with a merchant system using browser-executable code of a browser widget that interacts with the third party website and that is linked to a customer account via a secure channel, wherein the retailer data comprises an item that has been added to a checkout list and a transaction value associated with the item;
an analysis processor that analyzes the intercepted retailer data in relation to account data pertaining to a customer to determine whether the customer is eligible for a non-integrated payment option associated with an issuer system that is (i) independent from and unassociated with the merchant system and (ii) linked to the analysis processor using the secure channel for the item added to the checkout list, wherein the non-integrated payment option includes additional means of payment, the eligibility for the non-integrated payment option being based on one or more factors, the one or more factors comprising a level of riskiness associated with transaction of the item; and
a presentation processor that dynamically generates, utilizing the browser widget linked to the customer account, a display function to display a selectable option enabling use of the non-integrated payment option that is provided to a user interface of a device associated with the customer, wherein the presentation processor receives an acceptance of the non-integrated payment option from the user interface of the device associated with the customer in response to the provided non-integrated payment option from the presentation processor, wherein the presentation processor matches the transaction value and a timestamp against the customer account, wherein a popup message is provided, by the presentation processor, to the user interface of the device associated with the customer that both, in a single display, informs the customer of a sufficient balance to purchase the item and warns the customer of potential impact on a financial status associated with the balance, and wherein transaction data is transmitted via the browser widget to the issuer system for processing a payment to purchase the item according to the non-integrated payment option, the merchant system receiving authentication for the transaction data.

US Pat. No. 10,097,053

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

CAPITAL ONE SERVICES, LLC...

1. A system for wirelessly charging a mobile device, the system comprising:a first device comprising:
an energy storage component,
a Near-Field Communication (NFC) antenna connected to the energy storage component,
an application, that when executed, causes the first device to:
generate an advertising packet when the application receives a first signal that the energy storage component is connected to a power source;
transmit, via the NFC antenna, the advertising packet to a second device;
receive, via the NFC antenna, a response from the second device, wherein the response indicates that a connection is made between the first device and the second device, and wherein a frequency for energy transmission is determinable from the response;
generate a broadcast request to broadcast a second signal to the second device based on the received response; and
broadcast the second signal via the NFC antenna, the second signal being based on the frequency determined from the response and configured to charge the second device via inductive charging.

US Pat. No. 10,091,352

SYSTEMS AND METHODS FOR CLUSTER-BASED VOICE VERIFICATION

Capital One Services, LLC...

1. A method of authenticating a telephone caller, the method comprising:receiving, by a processor of an authentication server, audio data including speech of the telephone caller;
analyzing, by the processor, the audio data to identify at least one characteristic of the speech of the telephone caller;
comparing, by the processor, the at least one characteristic to a plurality of word clusters, each word cluster comprising at least one associated characteristic, and each word cluster being associated with one of a plurality of demographics;
determining, by the processor, a most similar word cluster of the plurality of word clusters to the audio data based on a similarity of the at least one characteristic of the speech of the telephone caller and the at least one associated characteristic of the most similar cluster;
receiving, by the processor, a purported identity of the telephone caller, the purported identity including caller demographic data;
comparing, by the processor, the caller demographic data to the demographic associated with the most similar word cluster; and
identifying, by the processor, the telephone caller as at least one of:
likely having the purported identity in response to determining the caller demographic data matches the demographic associated with the most similar word cluster, and
unlikely to have the purported identity in response to determining the caller demographic data matches a demographic associated with a word cluster different from the most similar word cluster.

US Pat. No. 10,083,480

SYSTEMS AND METHODS FOR FACILITATING A TRANSACTION RELATING TO NEWLY IDENTIFIED ITEMS USING AUGMENTED REALITY

CAPITAL ONE SERVICES, LLC...

1. A system for facilitating a transaction, comprising:a memory for storing profile data comprising user payment credentials and user profile information;
an input/output device for receiving a virtual environmental data signal and an augmented virtual environmental data signal and for transmitting purchase request data to a merchant terminal;
a display device for displaying a virtual environment and/or an augmented virtual environment in accordance with the virtual environmental data signal and/or the augmented virtual environmental data signal, respectively, wherein the display of the virtual environment is based on virtual environmental data present in the virtual environmental data signal and the display of the augmented virtual environment is based on augmented virtual environmental data present in the augmented virtual environmental data signal;
an environmental data sensor for obtaining environmental data comprising audio and/or visual information representing a user gesture;
a user interface device for generating user input data in response to one or more user inputs, wherein the user interface device is configured to generate first user input data indicative of a selection of a virtual item present in the virtual environment based on:
a first user gesture made in association with the selected virtual item, the first user gesture being detected by the environmental data sensor; and
an image of the selected virtual item displayed in the virtual environment by the display device; and
an augmented virtual environment processor that, based on the first user input data and the virtual environmental data, is configured to identify one or more action items that are associated with the selected virtual item based on an identification of the selected virtual item using image recognition techniques on the image, augment the virtual environmental data by adding enhanced content associated with the one or more action items, generate the augmented virtual environmental data signal comprising augmented virtual environmental data, and generate purchase request data based on the one or more action items, the user profile information, and second user input data associated with one or more action items generated by the user interface device, wherein the enhanced content is unrepresented in the virtual environment data.

US Pat. No. 10,068,244

SYSTEMS AND METHODS FOR SUGGESTING FINANCIAL ACCOUNT CARDS STORED ON A WIRELESS DEVICE

Capital One Services, LLC...

1. A method for enabling a wireless device, associated with a user, to automatically identify card data for use during a transaction at a merchant system, the method comprising:determining, by one or more processors of the wireless device, merchant information for the transaction, the merchant information comprising a merchant category based at least in part on a current location of the wireless device;
determining, by the one or more processors, based on card data stored on the wireless device for a plurality of financial account cards, rewards benefit information for at least some of the financial account cards, the rewards benefit information comprising a basis for acquiring reward points based at least in part on the merchant information;
automatically determining, by the one or more processors, a financial account card to use in the transaction, based at least in part on the merchant category and rewards benefit information; and
communicating, to the merchant system via the wireless device, card data of the determined financial account card.

US Pat. No. 10,062,263

DYNAMIC SELECTION OF A DEVICE FROM A COMMUNITY OF DEVICES AS A CONDUIT FOR LOCATION DETECTION MODE ACTIVATION

Capital One Services, LLC...

1. A method, comprising:determining, by one or more processors of a transaction card, to activate a location detection mode of a first user device,
wherein the location detection mode is related to locating the first user device, and
wherein the first user device is not within a short-range communicative proximity of a wireless transceiver component of the transaction card;
determining, by the one or more processors, that a second user device, of a plurality of other user devices, has a closest proximity to the transaction card relative to other user devices of the plurality of other user devices;
selecting, by the one or more processors and after determining that the second user device has the closest proximity, the second user device via which to cause the first user device to activate the location detection mode,
wherein the plurality of other user devices are within the short-range communicative proximity of the wireless transceiver component of the transaction card;
providing, by the one or more processors and via the second user device, a set of instructions to cause the first user device to activate the location detection mode; and
performing, by the one or more processors, one or more other actions related to locating the first user device after providing the set of instructions,
the one or more other actions including:
outputting sensory output associated with indicating that the first user device has been located, or
monitoring for a pairing between the transaction card and the first user device.

US Pat. No. 10,007,907

METHOD AND SYSTEM OF CAPTURING AN IMAGE OF A CARD

Capital One Services, LLC...

1. A method of capturing an image of a card having a magnetic stripe, comprising:obtaining first image data of the card by an imaging device;
obtaining a plurality of groups of second image data of the card via color delta analysis, the color delta analysis comprising:
calculating average RGB values of pixels in pixel rows of the first image data;
calculating average RGB values of pixels in pixel columns of the first image data;
calculating delta RGB values for pairs of average RGB values of adjacent pixel rows;
calculating delta RGB values for pairs of average RGB values of adjacent pixel columns;
identifying delta RGB peak values near edges of a still image as edges of the card; and
cropping the first image data along the detected edges of the card;
comparing the first image data with each of the plurality of groups of second image data, discarding one group of image data after each comparison, such that a plurality of versions of corresponding image data are generated as a result of the comparisons;
obtaining third image data of the card based on mean values of the plurality of versions of corresponding image data; and
presenting a confirmation image represented by the third image data to the user for verification that the presented confirmation image includes correct information of a complete image of the card.

US Pat. No. 9,965,716

TWO-PIECE TRANSACTION CARD CONSTRUCTION

Capital One Services, LLC...

1. A transaction card, comprising:a card frame, including:
a generally planar first card component including a first surface;
a generally planar second card component including a second surface and defining a cavity; and
a transaction component disposed between the first card component and the second card component,
wherein the transaction component comprises a plurality of openings and the second card component comprises a plurality of posts configured to be placed through the plurality of openings,
wherein the first card component is separate from the second card component and at least partially insertable into the cavity,
wherein, when the first card component is in the cavity, the first surface forms a first exterior surface and the second surface forms a second exterior surface, and
wherein the transaction card is defined by a thickness of less than approximately 2 mm.

US Pat. No. 10,163,050

WOOD INLAY CARD AND METHOD FOR MAKING THE SAME

CAPITAL ONE SERVICES, LLC...

1. A transaction card, comprising:a housing component comprising a first housing surface, and a second housing surface opposite the first housing surface; and
an inlay component having a thickness of between 1/24 and 1/16 of an inch comprising a first inlay surface, and a second inlay surface opposite the first inlay surface, the first inlay surface comprising a wood material;
wherein the inlay component and the housing component are joined via the second inlay surface and the first housing surface, and
wherein a visual blocker layer comprising a thin translucent plastic sheet is disposed between the first and second inlay surfaces, and
wherein the second inlay surface is configured to prevent deformation of the first inlay surface.

US Pat. No. 10,152,970

ADVERSARIAL LEARNING AND GENERATION OF DIALOGUE RESPONSES

Capital One Services, LLC...

1. An improved method for generating responses to user communications comprising:receiving, by at least one server communicatively coupled to a user device, a user communication;
applying, by a response generation module of the at least one server, a generative adversarial network to the user communication to generate an optimal generated response to the user communication, the generative adversarial network comprising a generator component and a discriminator component, wherein said discriminator component comprises a convolutional neural network and a recurrent neural network, wherein applying the generative adversarial network comprises:
generating, via the generator component, a plurality of computer generated responses responsive to the user communication, and
selecting, via the discriminator component, an optimal computer generated response from among the generated plurality of computer generated responses; and
transmitting, by the at least one server, the optimal generated response to the user communication to a user of the user device.

US Pat. No. 10,148,601

METHOD AND SYSTEM OF CONVERTING EMAIL MESSAGE TO AI CHAT

Capital One Services, LLC...

1. A method of initiating an interactive chat via a hypertext transfer protocol (HTTP) request, comprising:receiving, by a web server of an organization computing system, the HTTP request from a web client executing on a remote client device, wherein the HTTP request is triggered by a selection of a dialogue request embedded in an electronic mail message;
transmitting an application programming interface (API) call from the web server of the organization computing system to a back-end computing system of the organization computing system based on information included in the HTTP request;
parsing, by the back-end computing system, the API call to identify a user identifier corresponding to a user of the remote client device and a request identifier corresponding to the selected dialogue request embedded in the electronic mail message;
determining, by the back-end computing system, the user to which the user identifier corresponds;
determining, by the back-end computing system, the dialogue request to which the request identifier corresponds; and
initiating the interactive chat via a text based communication channel by:
generating an electronic message comprising a response to the dialogue request; and
transmitting the electronic message to a text message client application executing on the remote client device.

US Pat. No. 10,121,296

SECURE DELIVERY VIA UNMANNED VEHICLES

Capital One Services, LLC...

1. An unmanned vehicle for secure delivery configured to perform operations comprising:receiving instructions to travel to a delivery destination with a payload, the instructions based on a request for on-demand delivery associated with a user profile;
traveling to the delivery destination with the payload;
initiating an interaction with a person;
conducting an authentication process comprising verifying an input provided by the person with information in the user profile associated with the request; and
granting access to the payload following the verification process.

US Pat. No. 10,089,629

SYSTEM TO AUTOMATICALLY RESTORE PAYMENT PURCHASING POWER

Capital One Services, LLC...

1. A system, comprising:at least one memory storing instructions; and
at least one processor executing the instructions to perform operations comprising:
receiving a fraud communication associated with a first primary account number;
sending instructions to a mobile device of a customer to cause the mobile device to replace the first primary account number on the mobile device with a second primary account number;
determining whether the customer wishes to continue using the first primary account number;
deactivating the first primary account number after determining that the customer does not wish to continue using the first primary account number;
generating a first limitation and a second limitation after determining that the customer wishes to continue using the first primary account number, wherein:
generating the first limitation comprises:
determining locations where past transactions associated with the first primary account number took place,
defining a geographic area that encompasses at least a portion of the locations, and
declining a transaction request occurring at a location more than a predetermined distance outside of the geographic area; and
generating the second limitation comprises:
identifying spending patterns based on past transactions of the customer, and
declining transaction requests of transaction amounts outside a standard deviation from an average transaction amount associated with the past transactions; and
displaying the first limitation and the second limitation on the mobile device for continued use of the first primary account number; and
declining a transaction request that causes a violation of at least one of the first limitation and the second limitation.

US Pat. No. 10,089,471

SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION

Capital One Services, LLC...

1. A dynamic transaction card comprising:a EuroPay-MasterCard-Visa (EMV) processor storing existing firmware and version data associated with the existing firmware;
an EMV chip connectively coupled to the EMV processor;
a bootloader;
an input/output interface that receives an updated firmware program from a firmware provider system;
an applet comprising instructions that when executed, cause the EMV chip to perform a checksum validation; and
data storage storing a first checksum calculated using the stored firmware upon loading of the firmware,
wherein the dynamic transaction card is configured to validate firmware on the dynamic transaction card by:
receiving, at the EMV processor, a trigger that triggers checksum validation via the applet;
reading, via the applet, the firmware to determine data comprising the first checksum;
calculating, using the EMV processor, a second checksum associated with the firmware;
comparing, using the EMV processor, the first checksum and the second checksum;
validating, in response to the EMV processor determining that the first checksum and the second checksum are equal, the updated firmware; andwherein the dynamic transaction card is configured to delete at least a portion of data in the data storage and the EMV processor upon determining that the first checksum and the second checksum are not equal.

US Pat. No. 10,074,100

SYSTEMS AND METHODS FOR ISSUING, EVALUATING, AND MONITORING CARD-LINKED OFFERS

Capital One Services, LLC...

1. A system comprising:a service provider system comprising a first memory storing first instructions and a first processor configured to execute the first instructions to:
receive, from an offer provider system, first transaction information relating to a first purchase transaction;
determine that a first incentive offer was redeemed based on the first transaction information;
determine an incentive offer metric based on the first transaction information, the incentive offer metric reflecting a performance of the incentive offer relative to predetermined criteria, wherein the incentive offer metric comprises a cost per card swipe metric based on a customer discount a number of offers redeemed, total fees paid to service providers, and a total number of offers redeemed during a defined time period, and
provide the incentive offer metric to an offer provider system; and
the offer provider system comprising a second memory storing second instructions and a second processor configured to execute the second instructions to:
send the first incentive offer to a mobile device operated by the first consumer belonging to a first demographic group to enable the first consumer to accept the first incentive offer;
receive first transaction information from a merchant device associated with the first consumer and a merchant, the first transaction information involving the use of a financial service account associated with the first consumer and provided by a financial service provider, the first transaction information indicating acceptance of the first incentive offer;
send the first transaction information to the service provider system; and
responsive to sending the first transaction information to the service provider system:
receive the incentive offer metric from the service provider system;
determine parameters of the incentive offer;
modify the incentive offer based on the parameters and the incentive offer metric, wherein modifying the incentive offer comprises:
determining the first demographic group previously targeted in the incentive offer; and
altering the incentive offer for a second demographic group different from the first demographic group;
send the modified incentive offer as a notification to a second consumer's mobile device operated by a second consumer belonging to the second demographic group to accept the modified incentive offer;
receive second transaction information from the merchant device, wherein the second transaction information is associated with the modified incentive offer; and
send the second transaction information to the service provider system.

US Pat. No. 10,009,465

SYSTEMS AND METHODS FOR CUSTOMER SENTIMENT PREDICTION AND DEPICTION

CAPITAL ONE SERVICES, LLC...

1. A system for providing customer sentiment depiction, comprising:an environmental data sensor for obtaining audio or visual data;
a geographic location sensor;
an input/output device;
a display;
one or more processors including at least a sentiment depiction processor; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
responsive to a customer call made to an interactive voice response system, receive customer information and session information;
obtain, by the environmental data sensor, customer audio information;
determine, by the sentiment depiction processor, a customer voice characteristic based on the customer audio information;
generate, based on the customer information, session information, and the customer voice characteristic, a customer sentiment estimate for display by a customer service terminal, wherein the customer sentiment estimate is indicative of a sentiment of a customer engaging with the interactive voice response system;
automatically modifying, based on the customer sentiment estimate and while the customer call is being made, a script for interacting with the customer; and
transmit, via the input/output device, the customer sentiment estimate and the modified script to a call center server for display.

US Pat. No. 10,008,045

PLACEMENT OF AUGMENTED REALITY OBJECTS USING A BOUNDING SHAPE

Capital One Services, LLC...

1. A system, comprising: a camera; a display; one or more memories; and one or more processors, communicatively coupled to the one or more memories, to: output a bounding shape for presentation on the display, the bounding shape being superimposed on an image being captured by the camera and presented on the display, and the bounding shape bounding an object in the image; determine two-dimensional (2D) coordinates of an intersection point associated with the bounding shape on the display; determine three-dimensional (3D) coordinates of the intersection point associated with the bounding shape, the intersection point being a point where a projection of the bounding shape into 3D space intersects with a horizontal plane identified in the image; determine 3D coordinates associated with placement of an augmented reality object based on the 3D coordinates of the intersection point; determine 2D coordinates for presentation of the augmented reality object on the display based on at least two or more of: the 2D coordinates of the intersection point associated with the bounding shape on the display, the 3D coordinates associated with placement of the augmented reality object, or the 3D coordinates of the intersection point; and superimpose a representation of the augmented reality object on the image based on the 2D coordinates for presentation of the augmented reality object on the display.

US Pat. No. 10,002,319

TRANSACTION CARD HAVING AN ELECTRICALLY APPLIED COATING

Capital One Services, LLC...

1. A transaction card, comprising:a first card component defining a first side of the transaction card and having an electrically conductive surface configured to receive an electrically applied coating;
an electrically applied coating formed on the electrically conductive surface of the first card component;
a second card component joined to the first card component by a snap fit feature, the second card component defining a second side of the transaction card,
wherein the first and second card components are configured to define an interior cavity; and
a data storage component disposed within the interior cavity,
wherein at least one of the first or second card component is configured to enable communication between the data storage component and another device.

US Pat. No. 10,002,320

TRANSACTION CARD HAVING STRUCTURAL REINFORCEMENT

Capital One Services, LLC...

1. A transaction card, comprising:a first card component, including:
a first interior surface;
a first exterior surface opposite the first interior surface; and
a first structural feature associated with the first interior surface;
a second card component separate from the first card component and attachable thereto, wherein the second card component includes:
a second interior surface;
a second exterior surface opposite the second interior surface; and
a second structural feature associated with the second interior surface;
a transaction component; and
a first bracing layer between the first and second card components, wherein:
one of the first and second card components includes a locating feature configured to accommodate the transaction component, and the other of the first and second card components is configured to provide access to the transaction component;
the first and second structural features are configured to interconnect;
the first bracing layer is affixed to one of the first and second interior surfaces;
one of the first and second structural features is disposed on the first bracing layer; and
the first bracing layer includes a locating feature configured to further accommodate the transaction component.

US Pat. No. 9,996,784

TRANSACTION CARD HAVING AN ELECTRICALLY APPLIED COATING

Capital One Services, LLC...

1. A transaction card, comprising:a first card component having an electrically conductive surface configured to receive an electrically applied coating, wherein the electrically conductive surface of the first card component defines a first side of the transaction card;
an electrically applied coating formed on the electrically conductive surface;
an interior cavity defined by the first card component and a second card component, wherein the second card component defines a second side of the transaction card; and
a data storage component disposed within the interior cavity.

US Pat. No. 10,135,775

DYNAMIC RE-CONFIGURATION OF A USER INTERFACE BASED ON TRANSACTION INFORMATION

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
receive transaction information that identifies a set of third parties, the set of third parties being associated with a set of transactions;
process messages in an electronic messaging account using a set of processing techniques after receiving the transaction information,
the set of processing techniques including:
a text processing technique,
an image processing technique,
an audio processing technique, or
a machine learning technique;
identify, in the electronic messaging account, a set of messages associated with the set of third parties,
the electronic messaging account being associated with an individual associated with the set of transactions;
determine, after receiving the transaction information, a score for each of the set of third parties based on one or more factors;
determine, based on the score for each of the set of third parties, a manner in which to configure a user interface of an application associated with a user device to display the set of messages based on the transaction information,
the user device being associated with the individual;
detect that the individual has opened the application via the user device; and
provide a set of instructions to the user device to configure the user interface of the application to display the set of messages.

US Pat. No. 10,134,017

METHOD AND SYSTEM FOR PERFORMING A FINANCIAL TRANSACTION USING A USER INTERFACE

Capital One Services, LLC...

1. A system comprising:a receiver that receives identifying information from a device associated with a user, the identifying information associated with a single master account number, the single master account number comprising a predetermined sequence of letters, numbers, or characters;
a first processor that determines based on the identifying information associated with the single master account number a plurality of accounts to which the user has access, the plurality of accounts comprising a first account and a second account;
a user interface processor that provides data to generate a user-customized dynamic display on the device associated with the user, wherein the data is associated with a previous user interaction with the user-customized dynamic display, which generates an indicator associated with a financial transaction, wherein the user-customized dynamic display is generated based on the previous user interaction data and automatically updates based on changes in user information and user interactions, and wherein the user-customized dynamic display comprises a list of the plurality of accounts and is configured to selectively display at least one of the first and second accounts based on frequency of the user interactions;
a communication module that:
receives information reflecting that the user requested a financial transaction between the first account and the second account, including transferring funds between the first and second accounts, by dragging and dropping the indicator from the first account to the second account located within the user-customized dynamic display, and
receives terms for the financial transaction between the first account and the second account; and
a second processor that initiates performance of the financial transaction with respect to the first account and the second account according to the received terms, wherein the communications module generates a recommendation of one or more alternative transactions to the user if the financial transaction cannot be performed according to the received terms, wherein the one or more alternative transactions are based at least in part on the financial transaction, wherein the communication module transmits the recommendation to the user interface processor which generates a notification of the recommendation via the user-customized dynamic display, and wherein the financial transaction is stored as previous user interaction data in the user interface processor when the transaction can be performed according to the received terms and the alternative financial transaction is stored as previous user interaction data when the transaction cannot be performed according to the received terms; and
a third processor configured to establish a connection with the second processor when the financial transaction cannot be performed according to the received terms, and the third processor further configured to:
receive, from the second processor, data associated with the financial transaction;
initiate, based on the received data associated with the financial transaction, performance of the financial transaction with respect to the first account and the second account according to the received terms; and
transmit a response to the second processor, the response indicating whether the financial transaction was completed,
wherein the user interface processor is configured to generate another notification indicating reasons why the financial transaction cannot be performed by the second or third processor according to the received terms via the user-customized dynamic display.

US Pat. No. 10,134,084

AUGMENTED REALITY SYSTEMS FOR FACILITATING A PURCHASING PROCESS AT A MERCHANT LOCATION

CAPITAL ONE SERVICES, LLC...

1. A method of facilitating an augmented reality experience to purchase an item at a merchant location, the method comprising:storing, at a memory location associated with a first computing device, profile data comprising user payment credentials and user profile information;
receiving, at the first computing device and from a second computing device associated with the stored profile data, location data and environmental data representing a physical environment, the environmental data comprising data representative of a physical item present in the physical environment;
determining, by the first computing device and based on the location data, that the second computing device has entered a predefined merchant location associated with a merchant;
initiating, by the first computing device and in response to determining that the second computing device is at the merchant location, a first sequence of three or more predetermined augmented reality modes associated with steps for purchasing an item at the merchant location, the second computing device being configured to display virtual content based on the environmental data in response to activation of at least one of the three or more predetermined augmented reality modes;
directing, by the first computing device, the second computing device to activate a first augmented reality mode of the three or more predetermined augmented reality modes, wherein the first augmented reality mode is configured to enable user selection of one or more items available for purchase;
identifying, by the first computing device and based on at least a portion of the environmental data, the physical item;
generating, by the first computing device and based at least in part on the identified physical item, the virtual content, the virtual content being associated with the identified physical item and the one or more items for purchase;
transmitting, by the first computing device and to the second computing device, the virtual content for display on a display of the second computing device;
receiving, by the first computing device and following the activation of the first augmented reality mode, a first user input detected by the second computing device, the first user input being associated with selection of at least one of the one or more items available for purchase;
determining, by the first computing device, that at least one of the one or more selected items requires configuration prior to purchase;
directing, by the first computing device, the second computing device to activate a second augmented reality mode of the three or more predetermined augmented reality modes in response to determining that configuration is required, wherein the second augmented reality mode is configured to enable the configuration of the one or more selected items;
receiving, by the first computing device and following the activation of the second augmented reality mode, a second user input detected by the second computing device, the second user input being associated with configuration of at least one of the one or more selected items;
providing, by the first computing device and in response to receiving the second user input, configuration data to the merchant terminal to enable configuration of the one or more selected items;
directing, by the first computing device, the second computing device to activate a third augmented reality mode of the three or more predetermined augmented reality modes in response to receiving the second user input, wherein the third augmented reality mode is configured to enable payment for the one or more selected items;
receiving, by the first computing device and following the activation of the third augmented reality mode, a third user input detected by the second computing device, the third user input being associated with payment for the one or more selected items; and
providing, by the first computing device and in response to receiving the third user input, purchase request data to a merchant terminal to enable a transaction related to the one or more selected items, wherein the purchase request data comprises the stored user payment credentials.

US Pat. No. 10,121,025

CONTENT VALIDATION USING BLOCKCHAIN

Capital One Services, LLC...

1. A content validation device for validating content of a content provider, comprising:one or more memory devices; and
one or more processor devices, communicatively connected to the one or more memory devices, to:
receive content data from the content provider, the content data including:
data identifying content,
the content to be provided to a user by the content provider, and
data for verifying that the content has not changed;
access a blockchain associated with the content data, the blockchain including:
validation information specifying instructions for validating the content,
the validation information included in the blockchain comprising an algorithm for evaluating a level of accuracy of the content by assigning scores to various attributes of the content,
 the algorithm including different weights for the various attributes of the content,
 a first weight being assigned to an inaccurate fact parameter associated with the content,
 a second weight being assigned to another accuracy parameter associated with the content,
 the first weight having a greater effect on a final accuracy score than the second weight,
 the scores being weighted to produce the final accuracy score,
 the final accuracy score being compared to a threshold to determine the level of accuracy;
perform, based on the validation information, a validation of the content to determine a measure of confidence that the content is accurate;
store validation results of the validation in the blockchain,
the validation results being stored in the blockchain as a transaction; and
perform an action based on the validation results,
where the one or more processor devices, when performing the action based on the validation results, are to:
provide, to a content provider device associated with the content provider, data that causes display of a validation indicator with the content,
the validation indicator being based on the validation results.

US Pat. No. 10,095,929

SYSTEMS AND METHODS FOR AUGMENTED REALITY VIEW

Capital One Services, LLC...

1. A system for presenting an augmented reality view, comprising:a database server for personalizing an augmented reality view of a physical environment, the database server comprising at least one of a location of a physical environment or a location of a user;
a hardware device in communication with the database server, the hardware device including:
a hardware-implemented renderer configured to render the augmented reality view for display;
a hardware-implemented controller configured to determine a scope of the augmented reality view based on authenticating the augmented reality view; and
a processor configured to:
receive the augmented reality view of the physical environment, the augmented reality view representing one or more objects in the physical environment,
personalize the augmented reality view of the physical environment based on the information in the database server; and
present, via a display, a personalized augmented reality view to the user while the user is present in the physical environment, based on the determined scope of the augmented reality view,
wherein the augmented reality view represents at least one boundary larger than at least one boundary of the associated physical environment.

US Pat. No. 10,095,888

SECURE DECENTRALIZED SYSTEM UTILIZING SMART CONTRACTS, A BLOCKCHAIN, AND/OR A DISTRIBUTED FILE SYSTEM

Capital One Services, LLC...

1. A first node, comprising:one or more memories; and
one or more processors, communicatively connected to the one or more memories, to:
receive new credit data of an individual that has credit with a first organization,
wherein a distributed ledger and a set of distributed data sources are to be used to share the new credit data with a network of nodes that are associated with a group of organizations that are permitted to access the new credit data;
generate a storage identifier for the new credit data by executing a mapping function,
wherein the storage identifier is to identify a storage location at which the new credit data is to be stored within the set of distributed data sources;
provide the storage identifier for the new credit data to a smart contract associated with the individual,
wherein the smart contract is supported by the distributed ledger;
provide the new credit data and the storage identifier to the set of distributed data sources,
wherein the new credit data is stored in association with the storage identifier;
broadcast the storage identifier for the new credit data to the network of nodes to cause a second node, of the network of nodes, to provide the storage identifier for the new credit data to a copy of the smart contract that is accessible to the second node,
wherein broadcasting the storage identifier permits the second node, based on a request from a device associated with a second organization, to obtain the new credit data, obtain the storage identifier for the new credit data from the copy of the smart contract, use the storage identifier to obtain the new credit data from the set of distributed data sources, provide the new credit data to the device associated with the second organization, and provide digital currency associated with the second organization to an account associated with the first organization; and
perform a group of actions associated with obtaining additional new credit data from the set of distributed data sources or providing the additional new credit data to the set of distributed data sources.

US Pat. No. 10,089,569

TAMPER-RESISTANT TRANSACTION CARD AND METHOD OF PROVIDING A TAMPER-RESISTANT TRANSACTION CARD

Capital One Services, LLC...

1. A transaction card comprising:an outer layer comprising a plastic material;
two or more electrical components, including a microprocessor and an EMV chip;
at least one connector providing an electrical connection between the microprocessor and EMV chip, wherein:
the at least one connector is constructed from a conductive, dissolvable material being configured to be dissolved by a solvent effective for dissolving the outer layer; further wherein
dissolving of the at least one connector breaks the connection between the microprocessor and EMV chip such that the transaction card is deactivated.

US Pat. No. 10,083,438

SYSTEMS AND METHODS FOR ACTIVATING ACCOUNT CARD FUNCTIONS BASED ON PHYSICAL DEVICE INTERACTIONS

Capital One Services, LLC...

1. A system for activating an account card, comprising:a memory device storing instructions; and
a processor configured to execute the instructions to:
activate the account card based on a sensor associated with the account card detecting an event;
initiate communication between the account card and a mobile device;
determine that no motion pattern is programmed in the account card;
request a user perform a motion pattern involving the mobile device;
detect the motion pattern with a sensor associated with the mobile device;
transmit the motion pattern to the account card; and
store the received motion pattern in the account card.

US Pat. No. 10,083,059

METHOD AND SYSTEM OF HYDRATING OF VIRTUAL MACHINES

Capital One Services, LLC...

1. A method, comprising:receiving an indication to update a virtual machine image of a plurality of virtual machines in a plurality of auto-scaling groups;
identifying a subset of the plurality of auto-scaling groups that contain a hydration tag;
locating a different version of the virtual machine image different from a current version of the virtual machine image;
for each auto-scaling group in the subset of the plurality of auto-scaling groups, cloning a launch configuration for the virtual machines in the auto-scaling group;
storing data associated with each auto-scaling group in a remote location;
updating the virtual machine image of the virtual machines in each auto-scaling group with the different version of the virtual machine image; and
launching a new auto-scaling group instance using the cloned launch configuration.

US Pat. No. 10,075,847

SYSTEMS AND METHODS FOR TIERED AUTHENTICATION INCLUDING POSITION-BASED CREDENTIALS

CAPITAL ONE SERVICES, LLC...

1. A system for authenticating a user with position-based credentials, comprising:one or more memories storing instructions; and
one or more processors configured to execute the instructions to perform operations, the processor, when executed, perform the operations comprising:
receiving a login request associated with the user from a first user interface device,
receiving a first location associated with the first user interface device,
receiving a second location associated with a second user interface device, the second user interface device having an identity associated with an identity of the first user interface device,
based on the first location and the second location, determining a first threshold and a second threshold, the second threshold being larger than the first threshold;
calculating a Lebesgue distance between the first location and the second location;
comparing the Lebesgue distance to the first threshold and the second threshold; and
based on the comparison, authenticating the user when a Lebesgue distance between the first location and the second location is below the first threshold, prompting the first interface device for a first credential when the Lebesgue distance is above the first threshold and below the second threshold, and prompting the first user interface for a second credential when the Lebesgue distance is above the second threshold,
wherein the the second credential has increased complexity with respect to the first credential.

US Pat. No. 10,019,707

TRANSACTION CARD MODE RELATED TO LOCATING A TRANSACTION CARD

Capital One Services, LLC...

1. A transaction card, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to: detect information related to a proximity of the transaction card and a device, the transaction card and the device being associated with each other;
determine to initiate a mode associated with the transaction card,
the mode being related to locating the transaction card,
the mode being associated with outputting a first signal;
determine a manner in which to configure the mode based on a set of parameters,
the set of parameters including:
a power level of the transaction card, or
a strength of a second signal associated with a connection between the transaction card and the device associated with the transaction card;
initiate the mode after configuring the mode;
determine that the information related to the proximity indicates that the proximity of the transaction card and the device satisfies a threshold;
trigger an alarm after determining that the information related to the proximity indicates that the proximity of the transaction card and the device satisfies the threshold,
the alarm including:
a light,
a sound, or
a vibration; and
determine to terminate the mode based on an indication that the transaction card has been located.

US Pat. No. 10,185,728

SYSTEMS AND METHODS FOR PROVIDING DATA QUALITY MANAGEMENT

CAPITAL ONE SERVICES, LLC...

1. A system for providing data quality management, the system comprising:a memory storing instructions; and
a processor connected to a network and configured to execute the instructions to:
extract a plurality of first data elements from a data source;
generate a data profile based on the first data elements;
automatically create a first set of rules based on the first data elements and the data profile, the first set of rules assessing data quality according to a threshold;
generate a second set of rules based on the first data elements and the first set of rules;
extract a plurality of second data elements;
assess the second data elements based on a comparison of the second data elements to the second set of rules;
receive a request from a user to adjust settings, the adjusted settings influencing identification of a node with a concentration of defects;
detect one or more defects based on the comparison and the user request, at least one of the detected one or more defects including an event;
cluster the assessed data elements into multiple segments according to the detected one or more defects in the assessed data elements, the multiple segments corresponding to data quality scores;
analyze, using a decision tree algorithm, data quality according to the detected one or more defects to determine a pocket of defect concentration and aggregate data quality; and
transmit signals representing the data quality scores and the data quality analysis to a client device for display to a user.

US Pat. No. 10,140,553

MACHINE LEARNING ARTIFICIAL INTELLIGENCE SYSTEM FOR IDENTIFYING VEHICLES

CAPITAL ONE SERVICES, LLC...

1. A system for identifying attributes in an image, comprising:at least one processor in communication with a client processor; and
at least one storage medium storing instructions that, when executed, configure the processor to perform operations comprising:
obtaining a plurality of first images, the first images being associated with first metadata, the first images comprising car images;
extracting a plurality of first features from the first images;
categorizing the first images into one of a first group or a second group based on the first features, the first group comprising car exterior images, the second group comprising car interior images;
modifying the first metadata associated with images in the first images to include a binary label, the binary label representing into which of first and second groups the image was categorized;
calculating a classification function that classifies the first images based on image features and the binary label;
obtaining a plurality of second images, the second images being associated with second metadata;
classifying the second images into one of the first group or the second group using the classification function, the classification function comprising a regression function;
extracting a plurality of second features from the second images classified into the first group;
categorizing the second images in the first group by attribute, based on the second features;
calculating an attribute identification function that identifies attributes of the second images based on image features;
receiving a client image from the client processor; and
identifying at least one attribute associated with the client image using the attribute identification function.

US Pat. No. 10,142,485

CONFERENCE CALL MUTE MANAGEMENT

Capital One Services, LLC...

1. A method, comprising:receiving, by a first device, call data associated with a conference call between a plurality of users,
the call data including at least one of:
data identifying the plurality of users,
data identifying user activity associated with at least one user included in the plurality of users, or
conference call metadata associated with the conference call;
obtaining, by the first device, a mute model based on the call data,
the mute model being trained to receive voice data as input, and
the mute model being trained to produce mute data as output,
the mute data indicating whether a user should be muted or un-muted;
receiving, by the first device, voice data associated with the conference call,
the voice data being associated with a vocal utterance associated with a particular user included in the plurality of users;
determining, by the first device, whether to mute or un-mute the particular user based on the call data, the voice data, and the mute model; and
providing, to a second device, mute data,
the mute data indicating whether the particular user should be muted or un-muted.

US Pat. No. 10,121,355

CONDITION-RESPONSIVE WEARABLE DEVICE FOR SENSING AND INDICATING PROXIMITY OF AN ARTICLE WITH A SPECIFIC CHARACTERISTIC

Capital One Services, LLC...

1. A condition-responsive wearable device for sensing and indicating proximity of an article with a specific characteristic, the wearable device comprising:a processor;
a sensor, wherein the sensor is configured to:
detect an article with two or more information sources within a predetermined distance of the sensor, wherein the information sources contain characteristic information of the article, and
detect the characteristic information from at least one of the information sources;
a memory storing instructions that, when executed by the processor, cause the processor to:
receive predefined characteristic information,
select detected characteristic information from at least two of the information sources to compare with the predefined characteristic information, and
compare the selected detected characteristic information with the predefined characteristic information; and
an indicator configured to generate an alarm in response to the processor detecting a match between the selected detected characteristic information and the predefined characteristic information.

US Pat. No. 10,121,190

SYSTEM AND METHOD OF SHARING AN AUGMENTED ENVIRONMENT WITH A COMPANION

Capital One Services, LLC...

1. A system for providing an interactive virtual environment, comprising:one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive, from a first computing device, environmental data comprising audio and visual information representing a physical environment;
augment the environmental data by adding virtual environmental data comprising data associated with a merchant;
transmit, to the first computing device, the virtual environmental data to create an augmented environment in combination with the physical environment;
transmit, to at least a second computing device, the environmental data and the virtual environmental data to create a virtual environment;
receive user input data associated with one or more predefined user inputs from the second computing device, the user input data comprising an instruction to modify a product displayed in the virtual environment; and
modify, based on the user input data, the virtual environmental data to include enhanced content representing a modification of the product, wherein the enhanced content is unrepresented in the physical environment;
transmit, to the first computing device, the modified virtual environmental data to update the augmented environment to display the enhanced content representing the modification of the product; and
transmit, to the second computing device, the modified virtual environmental data to update the virtual environment to display the enhanced content representing the modification of the product.

US Pat. No. 10,121,021

SYSTEM AND METHOD FOR AUTOMATICALLY SECURING SENSITIVE DATA IN PUBLIC CLOUD USING A SERVERLESS ARCHITECTURE

Capital One Services, LLC...

19. A method comprising:receiving, at a cloud compute service, a notification that a sensitive file comprising sensitive data has been received at a file receipt location, the sensitive file being sent by a client device;
generating, by the cloud compute service, a container instance in response to the notification;
retrieving, by the container instance, the sensitive file from the file receipt location;
generating, by the container instance, a stripped file by stripping the sensitive data from the sensitive file based on a configuration file;
transmitting, by the container instance, the stripped file to a storage location;
deleting the sensitive file and associated file pointers from the file receipt location; and
terminating the container instance, wherein terminating the container instance comprises deleting files comprising sensitive data and associated file pointers.

US Pat. No. 10,095,964

PROTECTING PRIVATE INFORMATION PROVIDED ON A TRANSACTION CARD AND/OR A DOCUMENT WITH A REFLECTIVE ELEMENT

Capital One Services, LLC...

1. A transaction card, comprising a card body, the card body including a surface with a first surface area, the surface of the card body including private information that encompasses a second surface area of the surface, the second surface area being less than the first surface area; and a reflective element, the reflective element being applied to the surface of the card body, and the reflective element including a third surface area, the third surface area being based on the first surface area or the second surface area, the third surface area enabling the reflective element to reflect light away from the private information other than a portion of the surface where the reflective element is applied, and the third surface area being at a distance from the second surface area, the distance being calculated based upon one or more of: a size of the reflective element, a size of the private information, or the size of the surface, the reflective element enabling a visible image of the reflective element when an image is captured.

US Pat. No. 10,089,612

SYSTEMS AND METHODS FOR PERFORMING ATM FUND TRANSFER USING ACTIVE AUTHENTICATION

Capital One Services, LLC...

1. A method of performing a fund transfer at an ATM, comprising:receiving, at a first computer processor, a request for authentication from a user device, the user having an account at a financial institution;
authenticating, by the first computer processor, the user based on data received from the user device;
receiving, via a wireless communication protocol, parameters associated with an ATM fund transfer request transmitted from the user device, the parameters including a future time period during which the fund transfer is to be performed;
randomly generating, by the first computer processor, a single-use active authentication transaction key, wherein the single-use active authentication transaction key lacks a static identifier associated with the account and is unique for the ATM fund transfer request and valid for a limited period of time;
transmitting, via the wireless communication protocol, the single-use active authentication transaction key to a mobile financial transaction instrument associated with the account, wherein the mobile financial transaction instrument includes a user device different from the user device from which the user requested authentication;
receiving, via the wireless communication protocol, the single-use active authentication transaction key at an ATM from the mobile financial transaction instrument;
randomly generating, at a second computer processor, a PIN in response to receiving the single-use active authentication transaction key, the second computer processor being associated with the ATM;
extracting and transmitting, by the second computer processor, at least a first portion of the single-use active authentication transaction key to an active authentication registry to identify the financial institution to which the single-use active authentication transaction key is to be routed;
transmitting, by the second computer processor, an authorization request message to the financial institution identified by the single-use active authentication transaction key, the authorization request message including the PIN, the at least a first portion of the single-use active authentication transaction key, and the parameters;
processing a PIN received from the mobile financial transaction instrument, including comparing, by the second processor, the PIN received from the mobile financial transaction instrument to the generated PIN to confirm that the PINs match, responsive to receiving a message from the financial institution authorizing the ATM fund transfer request, wherein authorizing the ATM fund transfer request includes validating the single-use active authentication transaction key and validating that the ATM transaction request complies with the parameters; and
directing, by the second computer processor, that funds associated with the ATM fund transfer request be dispensed in response to processing the PIN.

US Pat. No. 10,083,383

TRANSACTION CARD HAVING FEATURES FOR EASY REMOVAL FROM WALLET

Capital One Services, LLC...

1. A transaction card, comprising:a first, full thickness portion; and
a second, reduced thickness portion;
each of said first and second portions comprising a top surface and an opposing bottom surface spaced from the top surface by a thickness of the card;
the first, full thickness portion comprising:
a feature deviating from a smooth, flat area along at least one of the top surface and the opposing bottom surface of the card and configured for tactile engagement to facilitate removal of the card from a pocket of a card carrying case;
the second, reduced thickness portion of the card comprising a stepped profile with multiple, successively thinner portions of the card at successively decreasing distances from an outer edge of the card configured to be inserted into the pocket before other portions of the card; and
a clear laminated layer extending over at least a portion of the top and bottom surfaces, wherein the clear laminated layer extends over at least the second, reduced thickness portion to form a substantially smooth, outwardly convex profile.

US Pat. No. 10,083,245

PROVIDING SECURE STORAGE OF CONTENT AND CONTROLLING CONTENT USAGE BY SOCIAL MEDIA APPLICATIONS

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
provide a content application for installation on a client device;
receive, based on installation of the content application on the client device:
credentials of a user of the client device, and
information identifying a social media application granted access to content associated with the user;
create a user account for the user based on the credentials of the user;
receive the content from the client device and via the user account;
generate a link for the content;
store the credentials, the content, the link, and the information identifying the social media application in the one or more memories;
receive information indicating that the content is be provided in a post associated with the social media application;
provide the link for the content to the post associated with the social media application;
receive a selection of the link for the content from another client device associated with another user that is viewing the post via the social media application;
provide the content, in a secure format, to the other client device based on the selection of the link; and
receive, from the client device, information indicating that the content is to be deleted;
delete the content from the one or more memories;
instruct a social media server device, providing the social media application, to remove the link from the post associated with the social media application; and
provide, to the client device, a notification indicating that the content has been deleted and that the link has been removed from the social media application.

US Pat. No. 10,187,326

REAL-TIME ANALYSIS OF MULTIDIMENSIONAL TIME SERIES DATA TO IDENTIFY AN OPERATIONAL ANOMALY

Capital One Services, LLC...

1. A device, comprising:one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive data for a plurality of metrics from a set of server resources associated with hosting an application,
wherein the plurality of metrics is related to a performance of the set of server resources, and
wherein the data is time series data;
normalize the data for the plurality of metrics across a set of points in time to form normalized data,
wherein the normalized data identifies a normal distribution for the performance of the set of server resources across the set of points in time;
determine, based on the normalized data, scores for different subsets of metrics included in the plurality of metrics;
determine an overall score for the performance of the set of server resources associated with hosting the application at a particular point in time based on the scores for the different subsets of metrics,
wherein the overall score is to be used to determine whether an anomaly is present in the performance of the set of server resources at the particular point in time; and
perform an action to facilitate improvement of the performance of the set of server resources based on the overall score satisfying a threshold,
wherein satisfaction of the threshold indicates that the anomaly is present, and
wherein the one or more processors, when performing the action to facilitate improvement of the performance of the set of server resources, are to:
generate a report that identifies the anomaly;
generate a report that identifies an action taken to fix the anomaly;
send a message that identifies the anomaly;
send a message that identifies an action taken associated with the anomaly; or
cause a user interface to be provided to enable selection of an action to be performed.

US Pat. No. 10,147,135

SYSTEMS AND METHODS FOR VIRTUAL FITTINGS

CAPITAL ONE SERVICES, LLC...

1. A virtual fitting system, comprising:one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
store sizing data comprising a 3-dimensional target model of a target, the target comprising a room;
receive, from a computing device, user input data indicative of a selection of a test object, the test object comprising a piece of furniture, the computing device comprising an augmented reality device worn by a user;
receive, from the computing device, sizing data associated with the test object, the sizing data being acquired by sensors associated with the computing device;
generate, based on the sizing data, a 3-dimensional test object model associated with the selected test object;
apply the selected test object model to the target model to create a virtual fit model; and
provide, to the computing device, the virtual fit model for display by an augmented reality display.

US Pat. No. 10,134,026

WEARABLE DEVICE FOR EVENT ACCESS, PAYMENT FOR OFFLINE TRANSACTIONS AT THE EVENT, AND VISUAL LIGHT DISPLAY

Capital One Services, LLC...

1. A wearable device, comprising:a near-field communication (NFC) component;
a wireless component;
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive at the wearable device, ticket information associated with an event and information indicating a quantity of funds allocated from an account, associated with a user of a user device;
store the ticket information and the information indicating the quantity of funds in the one or more memories;
utilize the wireless component to pair the wearable device and the user device based on a request to pair that is received from the user device;
provide, to the user device and via the wireless component, wearable device information,
the wearable device information including at least:
the ticket information, and
information indicating access privileges associated with the event;
generate a token for a point of sale device for a charge incurred at the event during an offline transaction with the point of sale device;
provide, via the NFC component, the token to the point of sale device,
the point of sale device to utilize the token to receive payment for the charge from the account associated with the user, at a later time and via an online transaction; and
provide, to the user device and via the wireless component, information indicating that that the token was provided to the point of sale device,
the user device to update the account based on the charge.

US Pat. No. 10,096,026

MULTI-FACTOR AUTOMATED TELLER MACHINE (ATM) PERSONAL IDENTIFICATION NUMBER (PIN)

Capital One Services, LLC...

1. An automated teller machine (ATM), comprising:an input component configured to detect multi-factor input associated with an account, the multi-factor input comprising at least two of:
a sequence of characters input via the input component,
a force with which at least one character, of the sequence of characters, is input via the input component,
a length of time over which at least one character, of the sequence of characters, is input via the input component, or
a combination of at least two characters, of the sequence of characters, that are input concurrently via the input component; and
one or more processors configured to:
receive a temporary personal identification number (PIN) associated with the account,
the temporary PIN being received based upon a user interacting with the input component;
provide a user interface for creating the multi-factor input associated with the account,
the user interface allowing the user to identify values for the multi-factor input;
receive the multi-factor input;
validate the multi-factor input in association with the account; and
selectively permit or deny access to one or more actions associated with the account based on validating the multi-factor input.

US Pat. No. 10,192,221

SYSTEMS AND METHODS FOR IMAGE CAPTURE VECTOR FORMAT LASERING ENGINE

Capital One Services, LLC...

1. A computer-implemented method for sourcing visible information using a scalable vector format, comprising:receiving, from a user device via a communication network, a request to associate a first signature with a transaction card, the transaction card having a data storage component;
capturing an image of the first signature, by a camera of the user device;
mapping the image of the first signature to a bounding box, a characteristic of the bounding box being based on a physical characteristic of the transaction card;
converting data representing the mapped image of the first signature into vector format data;
providing, via the communication network, the converted image data of the first signature to a laser machine;
storing the vector format data in the data storage component of the transaction card;
receiving, from a merchant terminal:
data representing a second image of a second signature associated with a transaction, and
the stored vector format data;
converting the data representing a second image of a second signature associated with a transaction into vector format data; and
verifying the transaction by calculating a similarity score between:
the vector format data representing the converted image of the second signature, and
the vector format data representing the converted image of the first signature.

US Pat. No. 10,186,119

ATM SKIMMER DETECTION BASED UPON INCIDENTAL RF EMISSIONS

CAPITAL ONE SERVICES, LLC...

1. A system for detecting an unauthorized skimmer at a card reader, the system comprising:a memory storing instructions; and
a processor configured to execute instructions to:
receive RF signal data corresponding to a first RF signal, the first RF signal being detected by an antenna; and
determine that the unauthorized skimmer is present at the card reader of by matching the first RF signal to a second RF signal of a known skimmer, wherein the known skimmer is known at least due to information concerning the known skimmer being stored in a database, the information comprising information identifying at least one of a frequency emission of the second RF signal of the known skimmer and an amplitude of emission of the second RF signal of the known skimmer.

US Pat. No. 10,152,738

SYSTEMS AND METHODS FOR PROVIDING AN INTERACTIVE VIRTUAL ENVIRONMENT

CAPITAL ONE SERVICES, LLC...

1. A system for providing an interactive augmented environment comprising:an environmental data sensor for obtaining environmental data comprising audio and/or visual information representing a physical environment;
a geographic location sensor associated with the environmental data sensor for obtaining location data associated with the physical environment;
an input/output device for receiving merchant data from a merchant database and for receiving user input data associated with one or more predefined user inputs, the user input data comprising a selection of a product displayed in an augmented or virtual environment, wherein the selection of the product comprises a selection of a virtual experience associated with an activity or experience offered for sale at the physical environment, the virtual experience comprising one or more of a virtual tour, a virtual excursion, and a virtual activity;
a virtual environment processor that, based on the location data obtained by the geographic location sensor, determines merchant data stored in the merchant database that is relevant to the geographic position of the environmental data sensor by identifying the product in the environmental data and associating a portion merchant data with the identified product, integrates the merchant data with the environmental data to create augmented environmental data for use in generating a display of an augmented environment and to create virtual environmental data for use in generating a display of the virtual environment, and generates a first signal comprising augmented environmental data and a second signal comprising virtual environmental data, the second signal being transmitted to a remote device to allow display of the virtual environment by the remote device; and
an augmented environmental data display that receives the first signal and displays said augmented environmental data in accordance with the first signal, wherein displaying said augmented environmental data comprises displaying the selected virtual experience via the augmented environmental data display such that the displayed virtual experience is shared by the remote device that concurrently displays the virtual experience in the virtual environment in accordance with the second signal;
wherein the merchant database comprises data associated with merchants located at specific geographic locations.

US Pat. No. 10,135,936

SYSTEMS AND METHODS FOR WEB ANALYTICS TESTING AND WEB DEVELOPMENT

Capital One Services, LLC...

1. A computer system for analyzing page tags of a website, the system comprising:a processor in communication with a database; and
a storage medium storing instructions that, when executed by the processor,
cause the processor to perform operations comprising:
accessing the website, the website comprising plurality of page tags;
generating a collected tag record by aggregating the page tags, the collected tag record comprising collected elements;
requesting, from the database, a benchmark tag record, the benchmark record comprising benchmark elements and being based on historic page tags stored in the database;
generating a normalized tag record, the normalized tag record comprising normalized elements, the normalized elements comprising the collected elements modified to match a format of the benchmark elements;
generating a result tag record, the result tag record indicating at least one of matches or mismatches between the benchmark tag record and the normalized tag record; and
displaying at least one of the result tag record or an analysis result, the analysis result representing an aggregation of the result tag record.

US Pat. No. 10,122,419

TRANSACTION DEVICE CAPABLE OF MANAGING AND ROUTING POWER FROM AN EXTERNAL POWER SOURCE

Capital One Services, LLC...

1. A transaction device, comprising:a power reception component configured to wirelessly receive power from an external device with which the transaction device is to interact to perform a transaction;
a secure element configured to perform the transaction using the power received from the external device,
the secure element including a universal integrated circuit card (UICC) or a secure digital (SD) card;
one or more peripheral components configured to perform one or more operations other than the transaction; and
a power management component,
the power management component including one or more of a switch, a gate, a transistor, a controller, a processor, a programmable logic device, or an application-specific integrated circuit, and
the power management component being configured to:
determine at least one operation, of the one or more operations, to be performed in association with the transaction,
determine whether an amount of power available after performing the transaction satisfies a threshold; and
selectively obtain additional power from the external device, for performing the at least one operation, based on determining whether the amount of power satisfies the threshold,
the additional power being obtained when the amount of power does not satisfy the threshold, or
the additional power not being obtained when the amount of power satisfies the threshold, and
route power received from the external device to at least one peripheral component, of the one or more peripheral components, capable of performing the at least one operation,
the routed power being sufficient for the at least one peripheral component to perform the at least one operation.

US Pat. No. 10,095,925

RECOGNIZING TEXT IN IMAGE DATA

Capital One Services, LLC...

1. A device, comprising:one or more memory devices; and
one or more processors, communicatively connected to the one or more memory devices, to:
receive image data representing a document,
the document including:
text, and
a plurality of edges;
identify, based on the plurality of edges, a segment of interest within the image data;
crop the segment of interest to obtain a portion of the image data;
perform optical character recognition on the portion of the image data,
the optical character recognition producing recognized text;
obtain, based on the recognized text, validation data,
the validation data including verification text;
determine whether the recognized text is verified based on the verification text,
the recognized text including a recognized account identifier,
the recognized account identifier being compared to a corresponding account from a database,
information from the corresponding account being compared to other information recognized in the image data to determine whether the recognized account identifier is accurate; and
perform an action based on a result of the determination.

US Pat. No. 10,083,462

METHODS AND SYSTEMS FOR DYNAMICALLY PROVIDING CONTENT

Capital One Services, LLC...

1. A mobile device for dynamically providing content to a user, comprising:a memory storing instructions; and
a processor configured to execute the instructions to perform operations including:
receiving, at the mobile device, a recommendation matrix from a remote computer, the recommendation matrix based on consumer data for the user provided by a third party;
receiving, at the mobile device from the remote computer, a travel graph specific to the user, the travel graph reflecting travel movements of the mobile device between designated geographical locations over a prior period of time;
receiving, at the mobile device, a trigger event associated with a geographical location determined from a travel graph generated using location information provided by the mobile device;
generating feature data based on the received trigger event,
generating an offer score matrix based on the recommendation matrix and the feature data, the offer score matrix including score values associated with a set of offers to be provided to the user,
determining a first offer from among the set of offers based on the score values associated with the set of offers,
providing an identification of the first offer, and
receiving content associated with the first offer for display on the mobile device.

US Pat. No. 10,218,412

NEAR FIELD COMMUNICATION DEVICE CAPABLE OF OPERATING IN A POWERED OR UNPOWERED MODE

Capital One Services, LLC...

1. A near field communication (NFC) device, comprising:an internal power source;
a secure element;
an NFC antenna,
the NFC antenna being integrated with the secure element; and
one or more components, at least partially implemented in hardware, configured to:
determine whether the NFC device is to perform a contactless transaction in a powered mode or an unpowered mode;
selectively perform the contactless transaction in the powered mode or the unpowered mode based on determining whether the NFC device is to perform the contactless transaction in the powered mode or the unpowered mode,
the contactless transaction to be performed using power from the internal power source when the contactless transaction is performed in the powered mode, or
the contactless transaction to be performed using only power from an external NFC field when the contactless transaction is performed in the unpowered mode;
determine an amount of time to receive sufficient power from the external NFC field to power the contactless transaction;
determine to perform the contactless transaction in the power mode or the unpowered mode based on the amount of time; and
selectively load two or more applications, associated with performing the contactless transaction, onto the secure element,
the two or more applications being selectively loaded based on a remaining power level of the internal power source,
a first application of the two or more applications being selectively loaded when the remaining power level of the internal power source meets a first threshold for performing the contactless transaction using the first application, and
a second application of the two or more applications not being selectively loaded when the remaining power level of the internal power source does not meet a second threshold for performing the contactless transaction using the second application.

US Pat. No. 10,205,823

SYSTEMS AND METHODS FOR CLUSTER-BASED VOICE VERIFICATION

Capital One Services, LLC...

1. A method of authenticating a telephone caller, the method comprising:receiving, by a processor of an authentication server, audio data including speech of the telephone caller;
analyzing, by the processor, the audio data to identify at least one characteristic of the speech of the telephone caller;
comparing, by the processor, the at least one characteristic to a plurality of known characteristics, each known characteristic being associated with one of a plurality of demographics;
determining, by the processor, a most similar known characteristic of the plurality of known characteristics to the audio data;
receiving, by the processor, a purported identity of the telephone caller, the purported identity including caller demographic data;
comparing, by the processor, the caller demographic data to the demographic associated with the most similar known characteristic; and
identifying, by the processor, the telephone caller as at least one of:
likely having the purported identity in response to determining the caller demographic data matches the demographic associated with the most similar known characteristic, and
unlikely to have the purported identity in response to determining the caller demographic data matches a demographic associated with a known characteristic different from the most similar known characteristic.

US Pat. No. 10,192,159

CONTACTLESS CARD WITH TRANSMISSION BLOCKING ELEMENT

Capital One Services, LLC...

1. A contactless card comprising:a body having a first main side and a second main side;
an identification chip coupled to the first main side of the body; and
a transmission blocking element slidably coupled to the body, wherein the identification chip is covered by the transmission blocking element in a first position, wherein the identification chip is uncovered when the transmission blocking element is in a second position, and wherein the transmission blocking element comprises:
a first section extending along the first main side of the body;
a second section extending parallel to the first section; and
a tab coupling together the first section and the second section, wherein the tab is positioned within an internal slot embedded within the body between the first main side and the second main side.

US Pat. No. 10,192,215

TRIGGER PEER TO PEER PAYMENT WITH FINANCIAL CARDS AND PHONE CAMERA

Capital One Services, LLC...

1. A method comprising:receiving, by a server communicatively coupled to a mobile device by a network, an image of one or more financial cards captured by a camera on the mobile device,
wherein the server further comprises a non-transitory memory storing computer-readable instructions and at least one processor;
retrieving, by the server, account information for each financial card in the received image;
generating, by the server, at least one proposed transaction based on the retrieved account information, wherein the at least one proposed transaction further comprises at least one payer, and at least one recipient, wherein the at least one payer and the at least one recipient are determined by the relative positioning of the one or more financial cards within the image;
transmitting, by the server, the at least one proposed transaction to the mobile device;
receiving, by the server, an approval for the at least one proposed transaction; and
initiating, by the server, a payment or transfer to an account based on the retrieved account information responsive to receiving approval for the at least one proposed transaction.

US Pat. No. 10,185,955

ELECTRONIC WALLET DEVICE FOR BUSINESS TRANSACTIONS

Capital One Services, LLC...

1. An electronic wallet device comprising:a plurality of card slots configured to hold at least two transaction cards,
each card slot, of the plurality of card slots, including a card reader;
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, to:
receive transaction information associated with a transaction at a transaction terminal;
identify business information associated with the transaction,
the business information relating to whether the transaction is determined to be associated with a business-related expense associated with a user,
the business information being obtained from a user device of the user,
the business information including at least one of:
calendar information associated with the transaction,
 the calendar information being associated with a business calendar of the user device,
 the business calendar indicating a business-related event,
 the business-related event being within a threshold time period of the transaction,
message information associated with the transaction,
 the message information being analyzed, using artificial intelligence or machine learning, to indicate whether the message information is associated with a business transaction,
authorization information associated with the transaction,
 the authorization information being associated with an application indicating allowable business transactions, or
location information associated with the transaction,
 the location information relating to a location associated with a business transaction,
 the location being within a threshold distance of another location designated for business transactions;
automatically select a transaction card from the at least two transaction cards received in respective slots of the plurality of card slots based on the transaction information and the business information; and
provide a transaction token, associated with the selected transaction card, to be used in connection with the transaction terminal to process the transaction without removing the selected transaction card from a respective card slot.

US Pat. No. 10,152,669

TRANSACTION CARD HAVING AN ELECTRICALLY APPLIED COATING

Capital One Services, LLC...

1. A transaction card, comprising:a first card component defining a first side of the transaction card;
a second card component defining a second side of the transaction card;
an interior cavity defined by the first card component and the second card component; and
a data storage component disposed within the interior cavity, wherein:
at least one of the first card component or the second card component comprises an electrically applied coating; and
the coating comprises patterns of material defining portions of visible information.

US Pat. No. 10,152,714

SYSTEM TO AUTOMATICALLY RESTORE PAYMENT PURCHASING POWER

Capital One Services, LLP...

1. A system, comprising:a database configured to store at least one record;
at least one network communication device;
a storage device comprising instructions; and
at least one processor configured to execute the instructions to perform a method comprising:
receiving a fraud communication associated with a first primary account number;
in response to receiving the fraud communication, sending instructions to a mobile device configured to cause the mobile device to replace the first primary account number on the mobile device with a new primary account number;
receiving an indication from an account holder to continue using the first primary account number temporarily, wherein the indication comprises an actuation of an interaction item displayed on a graphical user interface of the mobile device;
calculating one or more limitations based on past transactions associated with the first primary account number based on an account associated with the first primary account number, wherein the one or more limitations comprise at least one of a limitation on a transaction amount, a limitation on a number of purchases that can be made, or a limitation on a merchant location at which the first primary account number can be used;
storing a record including the first primary account number, the new primary account number, and the one or more limitations, in the database;
receiving a transaction request including a second primary account number associated with the account holder;
comparing the second primary account number to the record associated with the account holder to verify that the second primary account number is included in the record, and
based on the comparing, performing at least one of:
enabling the transaction request to proceed if the second primary account number matches the new primary account number; and
declining the transaction request if the second primary account number matches the first primary account number and the transaction request violates at least one of the one or more calculated limitations.

US Pat. No. 10,318,865

ANTI-FINGERPRINTING SYSTEMS AND METHODS FOR AUTOMATED TASK PERFORMANCE

Capital One Services, LLC...

1. A system for automatically performing cancellation tasks, comprising:at least one processor; and
at least one memory containing instructions that, when executed by the at least one processor, cause the system to perform operations including:
generating a cancellation script for a remote website by replacing first cancellation parameters in a cancellation macro with placeholders;
obtaining an IP address and a device configuration of a first computing device of a human user;
creating a user identity including the IP address and the device configuration of the first computing device;
extracting second cancellation parameters using a neural network from a first email sent to the human user, wherein the neural network is trained to extract cancellation parameters from reservation email code;
parameterizing the cancellation script by replacing the placeholders with the second cancellation parameters;
selecting a second computing device for imitating the human user based on the device configuration of the first computing device;
selecting a proxy server based on the user identity created for the first computing device; and
cancelling the reservation by causing the second computing device to interact with the remote website according to the parameterized cancellation script through the proxy server.

US Pat. No. 10,268,925

SYSTEMS AND METHODS FOR IMAGE PREPROCESSING TO IMPROVE ACCURACY OF OBJECT RECOGNITION

Capital One Services, LLC...

1. A system for performing object recognition on an image, the system comprising:at least one memory storing instructions; and
at least one processor configured to execute the instructions to perform operations comprising:
receiving the image,
using a first neural network, generating a matrix defining a plurality of bounding boxes within the image, the bounding boxes having associated areas and associated class confidence scores, the associated class confidence scores comprising associated class scores multiplied by associated confidence scores,
paring the matrix by using non-maximum suppression,
ranking bounding boxes defined by the pared matrix by composite scores, the composite scores comprising a multiplication of associated areas and highest associated class confidence scores,
selecting at least one bounding box based on the ranking,
generating at least one cropped image based on the at least one selected bounding box, and
inputting the at least one cropped image to a second neural network to classify at least one object within the at least one selected bounding box.

US Pat. No. 10,235,602

MACHINE LEARNING ARTIFICIAL INTELLIGENCE SYSTEM FOR IDENTIFYING VEHICLES

CAPITAL ONE SERVICES, LLC...

1. A computer-implemented method for identifying attributes in an image of a vehicle, the method comprising:collecting images of vehicles from the online resource;
classifying the collected images in a first group or a second group using a classifier function, the first group comprising images of vehicle exteriors and the second group comprising images of vehicle interiors;
modifying metadata associated with images in the first group to indicate that the images in the first group display vehicle exteriors;
retrieving an original training data set of images and an original attribute identification function from a database;
generating an updated training data set by adding the images in the first group to the original training data set;
calculating an updated attribution identification function based on the updated training data set and the original attribute identification function;
receiving a client image of a vehicle from a client processor; and
identifying attributes in a client image of a vehicle using the updated attribute identification function.

US Pat. No. 10,210,240

SYSTEMS AND METHODS FOR CODE PARSING AND LINEAGE DETECTION

CAPITAL ONE SERVICES, LLC...

1. A lineage detector, the lineage detector comprising:a memory device storing instructions; and
a processor configured to execute the instructions to perform a method comprising:
acquiring a first parameter identifying a body of source code and a second parameter identifying a target calculation in the source code body;
parsing the body of the source code to determine elements of a query in the source code, the query including a “select all” statement, the parsing comprising:
identifying columns associated with a table referenced in the “select all” statement; and
modifying the “select all” statement to include the identified columns;
determining a data lineage of the target calculation using the elements of the query, the determination comprising:
generating a tree including hierarchical nodes containing the elements of the query;
identifying a first top node of the tree representing the target calculation parameter; and
identifying lower-level nodes having at least one of a direct or an indirect relationship to the first top node; and
generating an output of the determined data lineage using the first top node and the lower-level nodes.

US Pat. No. 10,210,505

DYNAMIC TRANSACTION CARD OPTIMIZATION

CAPITAL ONE SERVICES, LLC...

1. A dynamic transaction card comprising:a microcontroller within the dynamic transaction card;
data storage within the dynamic transaction card storing optimal configurations; wherein:
the microcontroller:
monitors a plurality of hardware components of the dynamic transaction card in order to determine functionality data and a plurality of software configurations used to derive configuration data;
transmits, via a network, the functionality data and configuration data to a processor configured to use machine learning to cluster the functionality and/or configuration data to process the functionality data and configuration data with respect to a user group segment;
receives, via the network, optimal configuration data from the processor; and
applies the optimal configurations to the dynamic transaction card.

US Pat. No. 10,210,565

SYSTEMS AND METHODS FOR FACILITATING A TRANSACTION RELATING TO NEWLY IDENTIFIED ITEMS USING AUGMENTED REALITY

CAPITAL ONE SERVICES, LLC...

1. A system for facilitating adding an item to a wish list, comprising:a memory for storing profile data comprising user payment credentials and user profile information;
an input/output device for receiving a virtual environmental data signal and an augmented virtual environmental data signal;
a display device for displaying a virtual environment and/or an augmented virtual environment in accordance with the virtual environmental data signal and/or the augmented virtual environmental data signal, respectively, wherein the display of the virtual environment is based on virtual environmental data present in the virtual environmental data signal and the display of the augmented virtual environment is based on augmented virtual environmental data present in the augmented virtual environmental data signal;
an environmental data sensor for obtaining environmental data comprising audio and/or visual information representing a user gesture from a user;
a user interface device for generating user input data in response to one or more user inputs, wherein the user interface device is configured to generate first user input data indicative of a selection of a virtual item present in the virtual environment based on:
a first user gesture made in association with the selected virtual item, the first user gesture being detected by the environmental data sensor; and
an image of the selected virtual item displayed in the virtual environment by the display device; and
an augmented virtual environment processor that, based on the first user input data and the virtual environmental data, is configured to identify one or more action items that are associated with the selected virtual item based on an identification of the selected virtual item using image recognition techniques on the image, augment the virtual environmental data by adding enhanced content associated with the one or more action items, generate the augmented virtual environmental data signal comprising augmented virtual environmental data, and add the selected virtual item to a wish list associated with the user based on second user input data associated with one or more action items generated by the user interface device, wherein the enhanced content is unrepresented in the virtual environment data.

US Pat. No. 10,210,578

SYSTEM AND METHOD FOR PROVIDING AUTOMATED RECEIPT AND BILL COLLECTION, AGGREGATION, AND PROCESSING

CAPITAL ONE SERVICES, LLC...

1. A system comprising:data storage storing existing transaction data and customer information, the customer information including log-in information about a customer email account associated with a customer; and
memory storing instructions that, when executed by one or more processors associated with an application programming interface (API), cause the one or more processors to:
receive, by the one or more processors, a photographed transaction document, the photographed transaction document comprising a photograph of a printed receipt or a printed bill;
periodically and automatically, without involvement of the customer, log in to the customer email account using the stored log-in information;
electronically scan message data corresponding to one or more email messages in the customer email account to identify one or more email messages including one or more electronic transaction documents;
determine, by the one or more processors, whether the photographed transaction document and each of the detected electronic transaction documents is an electronic receipt by:
identifying transaction data included in the photographed transaction document or the detected electronic transaction document by electronically scanning, by the one or more processors, the photographed transaction document or the detected electronic transaction document of a corresponding email of the one or more emails;
for the photographed electronic transaction document, extracting, by the one or more processors, the transaction data from the photographed transaction document based on the identified transaction data;
for the detected electronic transaction document, extracting, by the one or more processors, the transaction data from the detected electronic transaction document based on the identified transaction data and a contextual analysis of the corresponding email message; and
determining a score, by the one or more processors, to determine whether the photographed transaction document or the detected electronic transaction document comprises an electronic receipt;
responsive to determining that the photographed transaction document or the detected electronic transaction document comprises an electronic receipt, associate, by the one or more processors, the extracted transaction data with the stored existing transaction data;
generate, by the one or more processors, an output comprising (i) a financial planning tool associated with the extracted transaction data and the existing transaction data, (ii) an offer based on the extracted transaction data and the existing transaction data, and (iii) a purchase history associated with one or more merchants corresponding to one or more merchants identified from the extracted transaction data;
transmit, to the user device associated with the user, the output;
responsive to determining that the photographed transaction document or the detected electronic transaction document is not an electronic receipt, determine that the photographed transaction document or the detected electronic transaction document is a bill; and
responsive to determining that the photographed transaction document or the detected electronic transaction document is a bill, execute one or more bill actions, the one or more bill actions comprising (i) transmitting an alert to a user device associated with the user, the alert indicating that the bill should be paid, and (ii) automatically scheduling payment of the electronic bill.

US Pat. No. 10,210,074

PERFORMANCE TESTING PLATFORM THAT ENABLES REUSE OF AUTOMATION SCRIPTS AND PERFORMANCE TESTING SCALABILITY

Capital One Services, LLC...

1. A method, comprising:receiving, by a device, a code for testing,
wherein the code is to be tested using a browser;
determining, by the device, a number of a plurality of browsers that are to be used to test the code;
predicting, by the device, a number of a plurality of virtual machines to host the number of the plurality of browsers,
the number of the plurality of virtual machines being predicted based on a model trained using historical data;
generating, by the device, the number of a plurality of virtual machines to host the plurality of browsers,
wherein the number of the plurality of virtual machines is based on the number of the plurality of browsers and predicting the number of the plurality of virtual machines;
assigning, by the device, an automation script to each virtual machine of the virtual machines to test the code;
monitoring, by the device, execution of the automation script by each virtual machine of the plurality of virtual machines; and
performing, by the device, an action associated with the execution of the automation script by each virtual machine of the plurality of virtual machines.

US Pat. No. 10,192,104

SYSTEMS AND METHODS FOR AUTHENTICATING A USER BASED ON CAPTURED IMAGE DATA

Capital One Services, LLC...

1. A system for authenticating a user of a computing device, the system comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
provide, to the computing device, an indication of a prescribed authentication parameter configured to be displayed to the user via the computing device, the prescribed authentication parameter comprising an indication of a gesture to be performed by the user, the gesture comprising presentation of at least an inanimate physical object;
receive image data comprising an image of the user captured using an image sensor of the computing device;
verify an identity of the user based on facial recognition analysis of the received image data;
determine whether the received image data comprises a feature corresponding to the prescribed authentication parameter; and
authenticate the user based at least in part on whether the received image data comprises the feature.

US Pat. No. 10,192,219

VOICE RECOGNITION TO AUTHENTICATE A MOBILE PAYMENT

Capital One Services, LLC...

1. A system for authenticating an electronic payment at a point-of-sale location, comprising:a storage device configured to store instructions; and
a processor configured to execute the stored instructions to cause the processor to:
receive a request to conduct an electronic payment using an electronic payment application executed on a mobile device in communication with a terminal at the point-of-sale location;
transmit a CAPTCHA image to the mobile device or the terminal at the point-of-sale location;
receive a voice sample recorded at the point-of-sale location in response to the CAPTCHA image;
receive time-stamped location data from the mobile device indicating a location of the mobile device and a time when the location data was generated;
determine the received voice sample matches at least a predetermined portion of a solution to the CAPTCHA image;
determine the voice sample is authentic by comparing the received voice sample to a reference recording without regard to spoken content of the received voice sample, wherein the voice sample is determined to be authentic when a speaker in the voice sample is determined to be the speaker in the reference recording;
determine the mobile device is at the point of sale location by comparing the location data to a location of the point of sale location and by comparing the time when the location data was generated to a time the voice sample was received, and
authorize the electronic payment, based on the determination that the voice sample is authentic, the determination that the received voice sample matches at least the predetermined portion of the solution to the CAPTCHA image, and the determination that the mobile device is at the point of sale location, by transmitting authorization information to the mobile device or the terminal at the point-of-sale location.

US Pat. No. 10,185,856

METHOD AND SYSTEMS FOR RENDERING OF VIRTUAL DISPLAYS USING CRYPTOGRAPHIC SYMBOLS

CAPITAL ONE SERVICES, LLC...

1. A display device, comprising: one or more processors; and one or more data storage devices storing instructions that, when executed by the one or more processors, cause the display device to perform operations comprising: emitting infrared light toward a cryptographic symbol associated with a surface; receiving a reflection of the emitted infrared light from the cryptographic symbol; based on the reflection, decrypting the cryptographic symbol to determine a unique identifier; based on the identifier, generating a first virtual display; and rendering the first virtual display on an image of the surface, wherein the image is projected onto the surface.

US Pat. No. 10,176,414

BATTERY CHARGER FOR A TRANSACTION CARD

Capital One Services, LLC...

1. A method, comprising:detecting, via a charging device, a transaction card is received within a charging slot;
determining, via the charging device, that an amount of remaining power in a charger battery is less than a first threshold level;
requesting, via the charging device, a user device to provide power to charge the transaction card based on determining the amount of remaining power in the charger battery is less than the first threshold level,
wherein the user device is communicatively coupled to the charging device via a device interface of the user device and a charging jack of the charging device;
receiving, via the charging device, the power from a battery of the user device; and
providing, via the charging device, the power to the transaction card to charge a battery of the transaction card via a charging terminal of the charging device.

US Pat. No. 10,176,418

SYSTEM AND APPARATUS FOR ENCRYPTED DATA COLLECTION USING RFID CARDS

CAPITAL ONE SERVICES, LLC...

1. A method comprising:receiving, at a smart card, a first signal from a first terminal, wherein:
the smart card includes a processor, a memory, a transceiver and an antenna;
the first signal is received at the antenna of the smart card and the first signal is configured to power up the smart card;
receiving, at the smart card from the first terminal, a second signal including instructions to enable the processor and the memory of the smart card to store a set of data on the memory of the smart card, wherein:
the second signal includes the set of data; and
the set of data includes a location identification number, a time, a count number and a digital signature;
receiving, at the smart card from the first terminal, a third signal including instructions to enable the processor and the memory of the smart card to update the set of data, wherein the updating includes incrementing the count number by one unit;
receiving, at the smart card, a fourth signal from a second terminal, wherein the fourth signal is received at the antenna of the smart card and the fourth signal is configured to power up the smart card; and
transmitting, from the smart card to the second terminal, a fifth signal, wherein the fifth signal includes all the sets of data stored on the memory of the smart card.

US Pat. No. 10,163,096

SYSTEMS AND METHODS FOR PROVIDING TRANSACTION TOKENS FOR MOBILE DEVICES

Capital One Services, LLC...

1. A computer implemented method for providing payment token transactions, comprising:obtaining, by one or more processors of a first mobile device when the first mobile device does not have network connectivity with a first network, a payment token usable in place of cash payments, the payment token:
representing a cash value; and
being obtained from a label affixed to a product package associated with a product offered for sale by a merchant;
providing, by the one or more processors, the payment token to a contactless payment terminal (CPT) associated with a merchant during a purchase transaction, by communicating the payment token to the CPT over a second network such that connectivity between the first mobile device and the first network is not required;
requesting, by the CPT from a financial service provider system, authorization of the purchase transaction and authentication of the payment token;
receiving, by the CPT, an indication from the financial service provider system that the purchase transaction is authorized, such that the payment token is used to cover at least a part of the purchase amount; and
receiving, by the first mobile device, the indication from the CPT.

US Pat. No. 10,152,671

TRANSACTION CARD HAVING STRUCTURAL REINFORCEMENT

Capital One Services, LLC...

1. A transaction card, comprising:a first card component having a first structural feature associated with a first surface;
a second card component separate from the first card component and attachable thereto, having a second structural feature associated with a second surface, wherein the first and second structural features are adapted to engage each other;
a transaction component; and
a bracing layer disposed between the first and second card components, wherein:
one of the first and second card components includes a first locating feature configured to accommodate the transaction component;
the bracing layer includes a second locating feature separate from the first locating feature; and
each of the first and second surfaces being adapted to engage with the bracing layer.

US Pat. No. 10,152,709

SYSTEMS AND METHODS FOR GENERATING AND MANAGING DYNAMIC CUSTOMIZED ELECTRONIC TOKENS FOR ELECTRONIC DEVICE INTERACTION

Capital One Services, LLP...

1. A token-based electronic device interaction system for transferring data between a user device associated with a user and a remote device, comprising:at least one memory storing instructions and a token database; and
at least one processor configured to execute the stored instructions to:
access information associated with an electronic token, the electronic token being:
associated with at least one of the user or the user device;
generated, based on received transaction information, and;
associated with one or more first expiration parameters;
determine whether at least one of the one or more first expiration parameters has been met;
responsive to a determination that at least one of the one or more first expiration parameters has not been met, access one or more second expiration parameters, wherein the one or more second expiration parameters is determined based on the received transaction information;
store, in the token database, the one or more second expiration parameters, thereby erasing the one or more first expiration parameters from the token database; and
provide the information associated with the electronic token to the remote device.

US Pat. No. 10,147,251

PROVIDING VIRTUAL AND PHYSICAL ACCESS TO SECURE STORAGE CONTAINER

Capital One Services, LLC...

1. A method, comprising:obtaining, by a device and from a camera device associated with a first user device, an image depicting contents included in a secure storage container;
obtaining, by the device and from the first user device, data identifying a first user account associated with the secure storage container;
storing, by the device, the image in a data structure associated with the first user account;
receiving, by the device and from the first user device associated with the first user account, access control data,
the access control data indicating that access to the data structure is permitted for requests associated with a second user account;
receiving, by the device and from a second user device associated with the second user account, a request to access the data structure; and
providing, by the device and to the second user device, data that causes display of the image.

US Pat. No. 10,140,634

SYSTEM AND METHODS FOR PROVIDING FINANCIAL ACCOUNT INFORMATION OVER A NETWORK

CAPITAL ONE SERVICES, LLC...

1. A method for providing messages to a user located at a client system in a network while the client system is displaying in a window a web page associated with a web site provided by a web server, the method comprising:determining that the user has registered the client system with a financial account issuer and elected to receive discount messages on the client system;
determining that the user is accessing the web site and has attempted to purchase an item offered by the web site;
determining, based on the user election and the attempt to purchase, that the web site is included in a list of web sites;
accessing, based on the accessed website being included in the list, account information for a financial account associated with the user provided by the financial account issuer;
providing a first message for display by the client system in the window after accessing the account information, wherein the first message includes an offer for a first purchase discount conditioned on the user purchasing the item from the accessed web site using the financial account;
providing a second message for display by the client system in the window, wherein the second message includes an offer for a second purchase discount conditioned on the user purchasing an item from an alternate web site from the list; and
receiving an indication from the client system that the item was purchased from the accessed web site using the first purchase discount.

US Pat. No. 10,310,655

HEATED ATM TOUCH SCREEN

Capital One Services, LLC...

1. An automated teller machine (ATM) device, comprising:an external frame;
a touch screen component coupled to the external frame;
a heating element,
the heating element being positioned such that heat generated by the heating element is directed at the touch screen component;
a temperature sensor configured to detect a temperature of an environment of the ATM device;
a communication interface configured to receive, from an external server device, temperature information relating to a geographical area at which the ATM device is located; and
one or more processors, communicatively coupled to the heating element and the temperature sensor, configured to:
receive temperature measurement data from the temperature sensor;
process the temperature measurement data after receiving the temperature measurement data;
determine whether the temperature measurement data indicates that a current temperature of the environment satisfies a threshold based on processing the temperature measurement data;
perform an action to control an operating state of the heating element based on determining whether the temperature measurement data indicates that the current temperature of the environment satisfies the threshold;
determine that the temperature sensor is malfunctioning;
cause the communication interface to receive the temperature information after determining that the temperature sensor is malfunctioning; and
perform an additional action to control the operating state of the heating element based on the temperature information.

US Pat. No. 10,296,820

TRANSACTION CARD HAVING INTERNAL MAGNETIC STRIPE

Capital One Services, LLC...

1. A transaction card, comprising:a card frame having a card inlay and a card housing;
a pocket formed in at least one of the card inlay or the card housing; and
a magnetic stripe disposed inside the pocket, wherein:
at least a portion of the card inlay or the card housing covering the magnetic stripe is formed of transparent material.

US Pat. No. 10,296,888

MULTI-ACCOUNT CARD

Capital One Services, LLC...

1. A system for conducting a transaction, comprising:one or more memory devices storing instructions; and
one or more processors configured to execute the instructions to:
receive information associated with a transaction initiated using a multi-account card, the multi-account card being associated with a plurality of accounts;
determine that the transaction is authorized with each of the plurality of accounts;
create a corresponding pending transaction for each account to complete a purchase from a merchant;
maintain an opportunity to select one of the plurality of accounts for use in completing the transaction, the opportunity being maintained for a predetermined period of time after completing the purchase from the merchant;
display, on a graphical user interface, a transaction summary comprising information regarding the transaction and an option for selecting one of the plurality of accounts for use in completing the transaction;
complete the transaction upon receiving a selection of one of the plurality of accounts for use in completing the transaction; and
cancel pending transactions created for accounts not selected for use in completing the transaction.

US Pat. No. 10,268,718

METHODS AND SYSTEMS FOR QUERY RESOLUTION THROUGH GRAPHICAL USER INTERFACES

CAPITAL ONE SERVICES, LLC...

1. A system comprising:a processor; and
data storage comprising instructions that, when executed by the processor, cause the system to perform operations comprising:
receiving a query requesting resolution of inconsistent data stored by multiple entities;
identifying a querying entity and the inconsistent data based on the received query;
assigning the query to a queue, wherein the queue is selected from one of a plurality of queues based on at least one of the querying entity or the inconsistent data;
based on the query, creating an instance in the queue, wherein the instance identifies a priority and a task for the query;
based on the priority, selecting the query from the queue and initiating resolution of the inconsistent data by generating a graphical user interface to accomplish the task, wherein accomplishing the task comprises receiving data from the multiple entities;
while accomplishing the task, generating each of (i) a documentation documenting the inconsistent data and the task and (ii) a resolution resolving the inconsistent data;
storing the documentation; and
publishing the resolution.

US Pat. No. 10,207,436

MOLDED POCKET IN TRANSACTION CARD CONSTRUCTION

Capital One Services, LLC...

1. A method of manufacturing a transaction card, the method comprising:forming a transaction card frame within a mold, the transaction card frame including:
a front side having a first surface;
a rear side opposite the front side; and
a recessed portion within the first surface, the recessed portion configured for affixing one or more electronic components and having a second surface recessed a first depth from the first surface;
wherein forming the transaction card includes:
filling a cavity in the mold with heated material;
cooling the mold;
removing the card from the mold by driving a pin through a through hole disposed in the mold to release the card frame from the mold, wherein a mark is left in the recessed portion by the pin;
removing the mark from the recessed portion during the formation of the second surface; and
installing an electronic component into the recessed portion.

US Pat. No. 10,212,104

AUTOMATIC COMMUNICATION FAILURE RECOVERY SYSTEMS

CAPITAL ONE SERVICES, LLC...

1. A system for providing automatic communication failure recovery, the system comprising:one or more processors; and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive customer data associated with a customer;
generate a message based on the customer data, the message being associated with an organization;
transmit the message to a device associated with the customer;
determine that the customer has failed to actively engage the message within a predetermined amount of time, the predetermined time being based at least in part on an urgency of the message; and
subsequent to expiration of the predetermined amount of time, monitor an application service associated with both the customer and the organization and in response to detecting that the customer has logged in to the application service:
generate a communication link between a customer service representative (CSR) terminal and the device associated with the customer via the application service; and
cause a communication interface within the application service to launch on the device associated with the customer.

US Pat. No. 10,312,749

SYSTEM, METHOD, AND APPARATUS FOR WIRELESS CHARGING

CAPITAL ONE SERVICES, LLC...

1. An electronic transaction card comprising:an antenna;
an energy storage component;
a non-transitory storage medium storing account information of an account holder;
a sensor for receiving a security input from the account holder;
a display for displaying the account information of the account holder; and
a processor configured to:
send and receive data packets, via the antenna, to and from a terminal system to conduct a transaction using contactless payment technology based on the security input, wherein the data packets include user authentication information to authenticate payment using the account information during the transaction;
transmit an advertising packet to a mobile power receiving device;
receive a response from the mobile power receiving device, wherein the response indicates that a connection is made between the electronic transaction card and the mobile power receiving device, and wherein a frequency of energy transmission is determinable from the response; and
broadcast a signal to the mobile power receiving device based on the frequency determined from the response and configured to charge the mobile power receiving device via inductive charging.