公开(公告)号：US20240046272A1

公开(公告)日：2024-02-08

申请号：US17882879

申请日：2022-08-08

Applicant: Capital One Services, LLC

Inventor： Abdelkader BENKREIRA ,  Brendan WAY ,  Tyler MAIMAN

IPC: G06Q20/40 ,  G06Q20/34

CPC classification number: G06Q20/4015 ,  G06Q20/352 ,  G06Q20/405

Abstract: Example embodiments of systems and methods for a cryptographic bypass system, comprising: a contactless card; and a server, wherein the server is configured to: receive a cryptogram and location data after a tap of the contactless card to a client device, identify a first merchant based on the location data, set a flag associated with the first merchant and the contactless card, receive a transaction request from a merchant payment system of the first merchant associated with the contactless card, wherein the transaction request indicates a transaction amount, and approve the transaction request when the transaction amount exceeds a first transaction limit when the flag is set.

公开(公告)号：US20240029142A1

公开(公告)日：2024-01-25

申请号：US18478030

申请日：2023-09-29

Applicant: Capital One Services, LLC

Inventor： Joshua EDWARDS ,  Michael MOSSOBA ,  Abdelkader BENKREIRA

IPC: G06Q30/0601 ,  G06N20/00 ,  G06Q30/0238 ,  G06Q20/38

CPC classification number: G06Q30/0631 ,  G06N20/00 ,  G06Q30/0238 ,  G06Q20/383

Abstract: A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.

公开(公告)号：US20230360025A1

公开(公告)日：2023-11-09

申请号：US18102027

申请日：2023-01-26

Applicant: Capital One Services, LLC

Inventor： Vu NGUYEN ,  David GABRIELE ,  Jonatan Y. RODRIGUEZ ,  Adam VUKICH ,  Abdelkader BENKREIRA ,  Joshua EDWARDS

IPC: G06Q20/36 ,  G06F40/174 ,  G06Q20/34 ,  G06Q20/08

CPC classification number: G06Q20/363 ,  G06Q20/3672 ,  G06F40/174 ,  G06Q20/351 ,  G06Q20/0855 ,  G06Q20/3674

Abstract: Systems, methods, and computer-readable storage media for inserting payment information into payment forms without user interaction. A system can identify that a user has navigated to a web page operated by a merchant computer system for a merchant and identify a payment form within the web page. The system can then execute a payment request API which generates a query for saved payment credentials for the user from the merchant computer system. When the merchant computer system indicates it does not have the saved payment credentials for the user, the system can identify browser-saved payment credentials stored in the Internet browser, then generate a virtual payment information associated with the browser-saved payment credentials. The virtual payment information can then be inserted into corresponding fields of the payment form without the user entering any additional information.

公开(公告)号：US20230281280A1

公开(公告)日：2023-09-07

申请号：US18197632

申请日：2023-05-15

Applicant: Capital One Services, LLC

Inventor： Abdelkader BENKREIRA ,  Michael MOSSOBA ,  Joshua EDWARDS

IPC: G06F21/12 ,  G06F16/958 ,  G06F40/109 ,  G06F21/62

CPC classification number: G06F21/128 ,  G06F16/986 ,  G06F21/6263 ,  G06F40/109

Abstract: In a method for securing a web browser, display instructions for displaying web content are received from a content server by a web browser operating on a client computing device. The web browser creates a document object using the display instructions and determines from the document object whether one or more of the display instructions meet font profiling criteria selected to identify attempts to profile font display characteristics of the web browser. Responsive to a determination that font profiling criteria are met, the web browser alters a character display of the document object and implements the document object for displaying the web content on the client computing device.

公开(公告)号：US20230137988A1

公开(公告)日：2023-05-04

申请号：US17900679

申请日：2022-08-31

Applicant: Capital One Services, LLC

Inventor： Abdelkader BENKREIRA ,  Michael MOSSOBA ,  Joshua EDWARDS

IPC: G06F21/31 ,  G06F21/34 ,  G01P13/04 ,  G06Q20/34 ,  G06Q20/40 ,  G06Q20/18

Abstract: Systems and methods for authenticating identification information are disclosed. For example, an Automated Teller Machine (ATM) may comprise a user interface. The user interface may comprise a card reader. The card reader may be configured for card rotation about an axis of a bank card. The user interface may be configured to receive card rotation input from a user. The ATM may comprise at least one memory storing instructions. The ATM may comprise at least one processor configured to execute the instructions to perform operations. The operations may comprise receiving identification information from the user. The operations may comprise receiving the card rotation input. The operations may comprise extracting a card rotation sequence from the card rotation input. When the card rotation sequence is within a predetermined threshold from a stored card rotation sequence corresponding to the identification information, the operations may comprise authenticating the user for an ATM operation.

公开(公告)号：US20230089189A1

公开(公告)日：2023-03-23

申请号：US17993622

申请日：2022-11-23

Applicant: Capital One Services, LLC

Inventor： Abdelkader BENKREIRA ,  Joshua EDWARDS ,  Michael MOSSOBA

IPC: G06Q30/06 ,  G06F16/23 ,  G06F16/21 ,  G06F40/279 ,  G06F16/951 ,  G06N20/00 ,  G06N5/04 ,  G06F16/955

Abstract: A system is provided including a database and a server. The server is configured to: retrieve online merchant terms associated with a merchant; store in the database the online merchant terms; apply a time stamp to the online merchant terms; associate the online merchant terms with the merchant in the database; assign the online merchant terms a date range in the database; receive information of a transaction of a user; search, based on the information of the transaction, the database for the online merchant terms; determine whether the online merchant terms are applicable to the transaction; associate in the database the online merchant terms with the transaction upon determining that the online merchant terms are applicable to the transaction; and responsive to receipt of a selection of viewing online merchant terms associated with the transaction, transmit the online merchant terms for display to the user.

公开(公告)号：US20220083979A1

公开(公告)日：2022-03-17

申请号：US17024331

申请日：2020-09-17

Applicant: Capital One Services, LLC

Inventor： Latika GULATI ,  Michael MOSSOBA ,  Abdelkader BENKREIRA

IPC: G06Q10/10 ,  G06Q30/02 ,  G06Q50/12 ,  G06N20/00 ,  G06F16/9536

Abstract: A browser extension can be configured to determine that the internet browser is presenting a website that includes a job posting, determine a restaurant name in the job posting, match the restaurant name to an indexed restaurant in a tip data table, and display the tip data for the indexed restaurant to the user. The tip data can be displayed as a number of one to five dollar signs. A database can store the tip data table that is indexed by restaurant and has tip data for each indexed restaurant. The server can be configured to provide a tip data analysis engine that uses a machine learning model to analyze the tip data associated with one or more indexed restaurants in the database based on the restaurant name.

公开(公告)号：US20210390549A1

公开(公告)日：2021-12-16

申请号：US16901718

申请日：2020-06-15

Applicant: Capital One Services, LLC

Inventor： Jeffrey RULE ,  Abdelkader BENKREIRA ,  Rajko ILINCIC ,  William CARROLL

IPC: G06Q20/40 ,  H04L9/06

Abstract: Systems and methods build blockchains and verify assets for smart contracts. A system includes a memory, a blockchain, a set of nodes, a set of verifiers, a set of miners, and a consensus protocol. The memory can have a block data structure representing a transaction for an asset having an identifier and at least one verifiable characteristic. The consensus protocol can include rules for: receiving the stake at risk from the verifiers, providing the reputational score to the verifiers, verifying the verifiable characteristic of the asset by the verifiers, cryptographic verification by the miners, adding the new block to the blockchain by the miners, providing the reward to the miners, and distributing the copy of the blockchain to each node.

公开(公告)号：US20210385652A1

公开(公告)日：2021-12-09

申请号：US17405777

申请日：2021-08-18

Applicant: Capital One Services, LLC

Inventor： Kaitlin NEWMAN ,  Kimberly HAYNES ,  Charles Nathan CRANK ,  Andrew COGSWELL ,  Colin HART ,  Jeffrey RULE ,  Lara MOSSLER ,  Latika GULATI ,  Abdelkader BENKREIRA ,  Sarah Jane CUNNINGHAM ,  Sophie BERMUDEZ ,  Michael MOSSOBA ,  Wayne LUTZ

IPC: H04W12/06 ,  H04W12/041 ,  H04W12/47 ,  H04W12/60

Abstract: Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

公开(公告)号：US20210312749A1

公开(公告)日：2021-10-07

申请号：US17352945

申请日：2021-06-21

Applicant: Capital One Services, LLC

Inventor： Michael MOSSOBA ,  Abdelkader BENKREIRA ,  Joshua EDWARDS

IPC: G07F7/10 ,  G06K19/077 ,  G06Q20/04 ,  G06Q20/10 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  G06Q40/00

Abstract: A computer-implemented method for delivering a document to a user may include obtaining, via an automated teller machine (ATM), first identification data of the user, wherein the first identification data of the user includes a card number and a password associated with the card number; determining a notification status of the user based on the first identification data; obtaining, via the ATM, second identification data based on the notification status of the user; determining a delivery status of the user based on the first identification data and the second identification data; and delivering the document to the user based on the delivery status of the user via the ATM.