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    UPDATING A MACHINE LEARNING FRAUD MODEL BASED ON THIRD PARTY TRANSACTION INFORMATION
    1.
    发明公开
    UPDATING A MACHINE LEARNING FRAUD MODEL BASED ON THIRD PARTY TRANSACTION INFORMATION 审中-公开

    公开(公告)号：US20240257137A1

    公开(公告)日：2024-08-01

    申请号：US18629204

    申请日：2024-04-08

    申请人： Capital One Services, LLC

    发明人： Colin HART ,  Joshua EDWARDS ,  Francisco PEREZLEON ,  Molly JOHNSON ,  Kaitlin NEWMAN ,  Angelina WU ,  Jason JI

    IPC分类号： G06Q20/40 ,  G06N20/00

    CPC分类号： G06Q20/4016 ,  G06N20/00

    摘要： A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold. The device performs one or more actions based on determining that the first transaction was incorrectly denied.

    MULTI-FACTOR AUTHENTICATION USING BLOCKCHAIN
    4.
    发明公开
    MULTI-FACTOR AUTHENTICATION USING BLOCKCHAIN 审中-公开

    公开(公告)号：US20240143730A1

    公开(公告)日：2024-05-02

    申请号：US18050952

    申请日：2022-10-28

    申请人： Capital One Services, LLC

    发明人： Jayanth PRATHIPATI ,  Daniel PICK ,  Colin HART

    IPC分类号： G06F21/44 ,  H04L9/00 ,  H04L9/32

    CPC分类号： G06F21/445 ,  H04L9/3213 ,  H04L9/50

    摘要： Methods and systems are described herein for novel uses and/or improvements in application or service authentication for a provider of disparate applications and/or services using blockchain technology. As one example, a method and a system are described herein for a unified user device authentication mechanism across multiple lines of service using cryptographic tokens. The system may receive, as part of a login request from a user, an address associated with a cryptography-based storage application, a cryptographic signature, and an identifier associated with a cryptographic token. The system may verify that the cryptographic token is valid and that the cryptography-based storage application controls the cryptographic token to grant the user access to the application or line of service.

    SYSTEMS AND METHODS FOR AUTHENTICATED PEER-TO-PEER DATA TRANSFER USING RESOURCE LOCATORS
    7.
    发明申请
    SYSTEMS AND METHODS FOR AUTHENTICATED PEER-TO-PEER DATA TRANSFER USING RESOURCE LOCATORS 有权

    公开(公告)号：US20220247737A1

    公开(公告)日：2022-08-04

    申请号：US17162783

    申请日：2021-01-29

    申请人： Capital One Services, LLC

    发明人： Colin HART ,  George BERGERON ,  Kaitlin NEWMAN ,  Jeffrey RULE

    IPC分类号： H04L29/06 ,  G06F16/955 ,  H04L29/08 ,  H04W4/80

    摘要： An authenticated data transfer system may include generating, after entry of one or more processors of a transmitting device into a communication field, a link, the link comprising a near field communication data exchange format uniform resource locator including identifier data and user data; transmitting, to a first application comprising instructions for execution on a first device, the link to initiate data transfer; authenticating a user associated with the first device by activating one or more actions based on the link; transmitting one or more requests for confirmation of quantity and recipient data associated with the data transfer; receiving one or more notifications that are based on the one or more requests for confirmation of quantity and recipient data associated with the data transfer; and performing one or more login credentials that are responsive to the one or more notifications so as to complete the data transfer.

    SYSTEM AND METHOD FOR GUIDING CARD POSITIONING USING PHONE SENSORS
    8.
    发明申请
    SYSTEM AND METHOD FOR GUIDING CARD POSITIONING USING PHONE SENSORS 有权

    公开(公告)号：US20210021305A1

    公开(公告)日：2021-01-21

    申请号：US16653895

    申请日：2019-10-15

    申请人： Capital One Services, LLC

    发明人： Jeffrey RULE ,  Rajko ILINCIC ,  Colin HART ,  Daniel HERRINGTON ,  Kevin OSBORN

    IPC分类号： H04B5/00 ,  G06F16/583 ,  G06Q20/32 ,  G06N20/00 ,  G06T7/73 ,  G06T7/246 ,  G06F3/14 ,  H04M1/02 ,  G06T7/521

    摘要： A position alignment system facilitates positioning of a contactless card in a ‘sweet spot’ in a target volume relative to a contactless card reading device. Alignment logic uses information captured from available imaging devices such as infrared proximity detectors, cameras, infrared sensors, dot projectors, and the like to guide the card to a target location. The captured image information is processed to identify a card position, trajectory and predicted location using one or both of a machine learning model and/or a Simultaneous Localization and Mapping logic. Trajectory adjustment and prompt identification may be intelligently controlled and customized using machine-learning techniques to customize guidance based on the preference and/or historical behavior of the user. As a result, the speed and accuracy of contactless card alignment is improved and received NFC signal strength is maximized, thereby reducing the occurrence of dropped transactions.

    TAP TO COPY DATA TO CLIPBOARD VIA NFC
    9.
    发明申请
    TAP TO COPY DATA TO CLIPBOARD VIA NFC 审中-公开

    公开(公告)号：US20200380811A1

    公开(公告)日：2020-12-03

    申请号：US16998499

    申请日：2020-08-20

    申请人： Capital One Services, LLC

    发明人： Daniel HERRINGTON ,  Jeffrey RULE ,  Colin HART ,  Jason JI

    IPC分类号： G07F7/08 ,  H04W4/80 ,  G06F9/54 ,  G06Q20/32

    摘要： Various embodiments are generally directed to copying data to a clipboard of a mobile device from a contactless card using NFC. A mobile device may issue a request to read data from the contactless card. The contactless card may generate encrypted data in response to the request. The mobile device may receive the encrypted data via NFC and transmit the encrypted data to a server for verification. The server may verify the encrypted data and transmit an indication of an account number for the contactless card to the mobile device. The mobile device may then copy the account number to a clipboard of the mobile device.

    TAP TO COPY DATA TO CLIPBOARD VIA NFC
    10.
    发明申请
    TAP TO COPY DATA TO CLIPBOARD VIA NFC 审中-公开

    公开(公告)号：US20200302727A1

    公开(公告)日：2020-09-24

    申请号：US16522380

    申请日：2019-07-25

    申请人： Capital One Services, LLC

    发明人： Daniel HERRINGTON ,  Jeffrey RULE ,  Colin HART ,  Jason JI

    IPC分类号： G07F7/08 ,  G06F9/54 ,  G06Q20/32 ,  H04W4/80

    摘要： Various embodiments are generally directed to copying data to a clipboard of a mobile device from a contactless card using NFC. A mobile device may issue a request to read data from the contactless card. The contactless card may generate encrypted data in response to the request. The mobile device may receive the encrypted data via NFC and transmit the encrypted data to a server for verification. The server may verify the encrypted data and transmit an indication of an account number for the contactless card to the mobile device. The mobile device may then copy the account number to a clipboard of the mobile device.