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    Local hardware deactivation of a transaction card
    41.
    发明授权
    Local hardware deactivation of a transaction card 有权

    公开(公告)号：US12106284B2

    公开(公告)日：2024-10-01

    申请号：US17677115

    申请日：2022-02-22

    申请人： Capital One Services, LLC

    发明人： Kevin Osborn ,  David Kelly Wurmfeld

    IPC分类号： G06Q20/34 ,  G06K7/08

    CPC分类号： G06Q20/354 ,  G06K7/081 ,  G06Q20/341

    摘要： Methods and systems are described herein for locally deactivating transaction cards to prevent offline transactions. A processor affixed to the transaction card may be used to locally deactivate transaction cards. The processor may receive a signal from a transaction terminal requesting a connection with the transaction card and may establish a connection with the transaction terminal. The processor may receive an indication to deactivate the transaction card and in response to receiving the indication apply an electric current to a stripe deactivating element that deactivates at least a portion of one or more tracks of a stripe on the transaction card and cause, via a built-in circuit, a predetermined increase in the electric current to the processor that causes a pathway that enables power distribution to the processor to be destroyed.

    USING LOCATION-BASED MAPPING TO ENABLE AUTOMATED INFORMATION TRANSFER AT A USER LOCATION
    45.
    发明公开
    USING LOCATION-BASED MAPPING TO ENABLE AUTOMATED INFORMATION TRANSFER AT A USER LOCATION 审中-公开

    公开(公告)号：US20240320674A1

    公开(公告)日：2024-09-26

    申请号：US18189792

    申请日：2023-03-24

    申请人： Capital One Services, LLC

    发明人： Aditya PAI ,  Brice ELDER ,  Allison FENICHEL

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/40155 ,  G06Q20/4093

    摘要： In some implementations, an automated information transfer system may receive an indication of a location of the user device. The automated information transfer system may identify an interacting entity associated with the automated information transfer that is associated with a physical location that is within a threshold proximity of the location of the user device. The automated information transfer system may receive item-specific data associated with the automated information transfer. The automated information transfer system may identify one or more interaction terminals at the physical location associated with the interacting entity. The automated information transfer system may receive authorization information associated with the automated information transfer. The automated information transfer system may perform an action based on whether the authorization information indicates that the automated information transfer is at least one of authorized, conditionally authorized, not authorized, or conditionally not authorized.

    Systems and methods for detecting emotion from audio files
    48.
    发明授权
    Systems and methods for detecting emotion from audio files 有权

    公开(公告)号：US12100417B2

    公开(公告)日：2024-09-24

    申请号：US17468568

    申请日：2021-09-07

    申请人： Capital One Services, LLC

    发明人： Vahid Khanagha

    IPC分类号： G10L25/63 ,  G06F16/65 ,  G06N3/04 ,  G10L15/187

    CPC分类号： G10L25/63 ,  G06F16/65 ,  G06N3/04 ,  G10L15/187

    摘要： Disclosed embodiments may include a system that may receive an audio file comprising an interaction between a first user and a second user. The system may detect, using a deep neural network (DNN), moment(s) of interruption between the first and second users from the audio file. The system may extract, using the DNN, vocal feature(s) from the moment(s) of interruption. The system may determine, using a machine learning model (MLM) and based on the vocal feature(s), whether a threshold number of moments of the moment(s) of interruption corresponds to a first emotion type. When the threshold number of moments corresponds to the first emotion type, the system may transmit a first message comprising a first binary indication. When the threshold number of moments do not correspond to the first emotion type, the system may transmit a second message comprising a second binary indication.