公开(公告)号：US10713733B2

公开(公告)日：2020-07-14

申请号：US16174061

申请日：2018-10-29

Applicant: Capital One Services, LLC

Inventor： Jeremy D. Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06Q10/00 ,  G06N99/00 ,  G06Q40/00 ,  G06N20/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

公开(公告)号：US20180218352A1

公开(公告)日：2018-08-02

申请号：US15936824

申请日：2018-03-27

Applicant: Capital One Services, LLC

Inventor： Mohamed Lafeer ,  Adam R. Koeppel

IPC: G06Q20/22 ,  G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/22 ,  G06Q20/227 ,  G06Q20/3572 ,  G06Q20/405

Abstract: A system for conducting a transaction is disclosed. The system may include 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 one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.

公开(公告)号：US20200226594A1

公开(公告)日：2020-07-16

申请号：US16834682

申请日：2020-03-30

Applicant: Capital One Services, LLC

Inventor： Jesse N. Kendrick ,  Mohamed Lafeer ,  Jeremy Rephlo

IPC: G06Q20/40

Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine 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.

公开(公告)号：US11107077B2

公开(公告)日：2021-08-31

申请号：US16834682

申请日：2020-03-30

Applicant: Capital One Services, LLC

Inventor： Jesse N. Kendrick ,  Mohamed Lafeer ,  Jeremy Rephlo

IPC: G06Q40/00 ,  G06Q20/40

Abstract: A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine 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.

公开(公告)号：US20200302552A1

公开(公告)日：2020-09-24

申请号：US16895228

申请日：2020-06-08

Applicant: Capital One Services, LLC

Inventor： Jeremy Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06Q40/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

公开(公告)号：US20200065805A1

公开(公告)日：2020-02-27

申请号：US16666857

申请日：2019-10-29

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  Mohamed Lafeer ,  Molly Johnson ,  Saleem Sangi ,  Kevin Kelly ,  Adam Koeppel

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q30/06

Abstract: Wireless communication technologies, a dynamic transaction card, and a mobile application may be utilized to facilitate multi-factor authentication and secure electronic checkout of any website. A wireless connection between a dynamic transaction card and a user device may be utilized to authenticate a user. A user device application may be triggered to call, via an application programming interface (API), an account provider system, and this unique pairing may automatically facilitate payment to a merchant system associated with the electronic check out page. The account provider system may send a push notification to a browser extension associated with the checkout page to prompt the browser extension to populate fields on the electronic checkout page using user account information transmitted from the account provider system, providing a novel digital authentication framework that utilizes digital authentication techniques enables by user devices and dynamic transaction cards to seamlessly facilitate electronic checkout.

公开(公告)号：US20250069075A1

公开(公告)日：2025-02-27

申请号：US18945429

申请日：2024-11-12

Applicant: Capital One Services, LLC

Inventor： James Zarakas ,  Mohamed Lafeer ,  Molly Johnson ,  Saleem Sangi ,  Kevin Kelly ,  Adam Koeppel

IPC: G06Q20/38 ,  G06F16/951 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q30/0601

Abstract: Wireless communication technologies, a dynamic transaction card, and a mobile application may be utilized to facilitate multi-factor authentication and secure electronic checkout of any website. A wireless connection between a dynamic transaction card and a user device may be utilized to authenticate a user. A user device application may be triggered to call, via an application programming interface (API), an account provider system, and this unique pairing may automatically facilitate payment to a merchant system associated with the electronic check out page. The account provider system may send a push notification to a browser extension associated with the checkout page to prompt the browser extension to populate fields on the electronic checkout page using user account information transmitted from the account provider system, providing a novel digital authentication framework that utilizes digital authentication techniques enables by user devices and dynamic transaction cards to seamlessly facilitate electronic checkout.

公开(公告)号：US10115166B2

公开(公告)日：2018-10-30

申请号：US14601631

申请日：2015-01-21

Applicant: Capital One Services, LLC

Inventor： Jeremy Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06N99/00 ,  G06Q10/00 ,  G06Q40/00

Abstract: A system and a method for account transaction balance prediction for an account held with a financial institution based on past and present account activity. An account balance prediction processor determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data. The system calculates a predicted account balance based on the total predicted financial transactions and the predicted income. A transaction monitor receives actual financial transaction data and actual income data, and compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data. An alert transmitter transmits in real time, an alert. A machine learning processor continuously adjusts calculations of financial transactions and income.

公开(公告)号：US11328366B2

公开(公告)日：2022-05-10

申请号：US16895228

申请日：2020-06-08

Applicant: Capital One Services, LLC

Inventor： Jeremy Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06N99/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06N20/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

公开(公告)号：US10262313B2

公开(公告)日：2019-04-16

申请号：US15936824

申请日：2018-03-27

Applicant: Capital One Services, LLC

Inventor： Mohamed Lafeer ,  Adam R. Koeppel

IPC: G06Q20/22 ,  G06Q20/34 ,  G06Q20/40

Abstract: A system for conducting a transaction is disclosed. The system may include 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 one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction.