公开(公告)号：US20240354759A1

公开(公告)日：2024-10-24

申请号：US18760759

申请日：2024-07-01

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/40 ,  G06Q20/389

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US20240177146A1

公开(公告)日：2024-05-30

申请号：US18435311

申请日：2024-02-07

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/38 ,  G06F18/214 ,  G06N20/00 ,  G06Q20/40

CPC classification number: G06Q20/3821 ,  G06F18/2148 ,  G06N20/00 ,  G06Q20/4016

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US11645652B2

公开(公告)日：2023-05-09

申请号：US17679619

申请日：2022-02-24

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/40 ,  G06Q20/389

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US20220374879A1

公开(公告)日：2022-11-24

申请号：US17817285

申请日：2022-08-03

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/38 ,  G06Q20/40 ,  G06Q20/12

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US20220261794A1

公开(公告)日：2022-08-18

申请号：US17176663

申请日：2021-02-16

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/38 ,  G06Q20/12 ,  G06Q20/40

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US12093949B2

公开(公告)日：2024-09-17

申请号：US18133236

申请日：2023-04-11

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/40 ,  G06Q20/389

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US20230259933A1

公开(公告)日：2023-08-17

申请号：US18133236

申请日：2023-04-11

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/40 ,  G06Q20/389

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US11710121B2

公开(公告)日：2023-07-25

申请号：US17177317

申请日：2021-02-17

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q40/00 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/12

CPC classification number: G06Q20/389 ,  G06Q20/12 ,  G06Q20/385 ,  G06Q20/40 ,  G06Q20/4014

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US11669838B2

公开(公告)日：2023-06-06

申请号：US17573875

申请日：2022-01-12

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q20/40 ,  G06Q30/0601

CPC classification number: G06Q20/401 ,  G06Q20/405 ,  G06Q30/0637

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.

公开(公告)号：US11443312B2

公开(公告)日：2022-09-13

申请号：US17176663

申请日：2021-02-16

Applicant: Capital One Services, LLC

Inventor： Wesley Perkins ,  Venkata Satya Sriram Kalyan Namuduri ,  David Ross ,  Andrew Coulson ,  Hunter Roberts

IPC: G06Q40/06 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q20/12

Abstract: Methods, systems, and apparatuses are described herein for the direct sharing and use of transaction data separately from transaction authorization processes. Transaction metadata associated with a transaction may be received and validated. Authorization information corresponding to the transaction may be received. The degree to which the transaction metadata is tested may be based on a predicted time of receipt of the authorization information. The transaction metadata and authorization information may be correlated. A computing device may determine whether to authorize the financial transaction based on the authorization information and the correlated transaction metadata. All or portions of the transaction metadata may be provided to one or more users after the transaction has been authorized or denied.