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    UTILIZING MACHINE LEARNING AND TRUSTED TRANSACTION CARD LOCATIONS TO GENERATE A GEOGRAPHICAL MAP OF THE TRUSTED TRANSACTION CARDS
    2.
    发明申请
    UTILIZING MACHINE LEARNING AND TRUSTED TRANSACTION CARD LOCATIONS TO GENERATE A GEOGRAPHICAL MAP OF THE TRUSTED TRANSACTION CARDS 有权

    公开(公告)号：US20210383394A1

    公开(公告)日：2021-12-09

    申请号：US16896566

    申请日：2020-06-09

    申请人： Capital One Services, LLC

    发明人： James ZARAKAS ,  Adam VUKICH ,  Molly JOHNSON

    IPC分类号： G06Q20/40 ,  G06Q20/34 ,  G06N20/00 ,  G06K9/62

    摘要： A device may receive, from client devices of users, user data identifying the users, client device data identifying the client devices, and transaction card data identifying transaction cards, and may receive transaction account data identifying transaction accounts. The device may process the user data, the client device data, the transaction card data, and the transaction account data, with a machine learning model, to determine trust scores for the transaction cards, and may identify trusted transaction cards based on the trust scores. The device may receive, from trusted client devices associated with the trusted transaction cards, location data identifying locations of the trusted client devices and communication data indicating communications between the trusted transaction cards and the trusted client devices. The device may generate a card mapping for the trusted transaction cards based on the location data and the communication data, and may perform actions based on the card mapping.

    USER PROFILING BASED ON TRANSACTION DATA ASSOCIATED WITH A USER
    3.
    发明申请
    USER PROFILING BASED ON TRANSACTION DATA ASSOCIATED WITH A USER 有权

    公开(公告)号：US20210374749A1

    公开(公告)日：2021-12-02

    申请号：US16886017

    申请日：2020-05-28

    申请人： Capital One Services, LLC

    发明人： Adam VUKICH ,  George BERGERON ,  James ZARAKAS

    IPC分类号： G06Q20/40 ,  G06Q20/38

    摘要： A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score.

    COMPUTING SYSTEM FOR PROVIDING AND DISPLAYING DIGITAL COUPONS AND METHOD OF OPERATION THEREOF
    4.
    发明申请
    COMPUTING SYSTEM FOR PROVIDING AND DISPLAYING DIGITAL COUPONS AND METHOD OF OPERATION THEREOF 有权

    公开(公告)号：US20210357967A1

    公开(公告)日：2021-11-18

    申请号：US16876999

    申请日：2020-05-18

    申请人： Capital One Services, LLC

    发明人： James ZARAKAS ,  Adam VUKICH ,  Molly JOHNSON

    IPC分类号： G06Q30/02 ,  H04W4/021 ,  H04W4/02 ,  G06F16/951 ,  G06F16/29

    摘要： A system and method of operating a computing system including: a control unit configured to: generate a user transaction history based on parsing a user data set received from a transaction history database; generate a database of a collected coupon data based on the user transaction history; identify a merchant location based on a map data from a map database, and the database of the collected coupon data; identify a merchant based on a user location and the merchant location; retrieve the collected coupon data associated with the merchant based on identifying the merchant; activate the collected coupon data on a transaction card based on an activate parameter; and a storage unit, coupled to the control unit, configured to store the database of the collected coupon data and the merchant location for retrieval during an application state; and a communication unit, coupled to the control unit, configured to transmit the collected coupon data to the transaction card for display on a user interface.

    SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION
    8.
    发明申请
    SYSTEM AND METHODS FOR SECURE FIRMWARE VALIDATION 审中-公开

    公开(公告)号：US20180225459A1

    公开(公告)日：2018-08-09

    申请号：US15944741

    申请日：2018-04-03

    申请人： Capital One Services, LLC

    发明人： James ZARAKAS ,  David WURMFELD ,  Brennon YORK ,  Tyler LOCKE

    IPC分类号： G06F21/57 ,  G06F21/72 ,  G06F8/654 ,  G06F21/77

    摘要： An electronic device, such as a dynamic transaction card having an EMV chip, that acts as a TPM having a memory, an applet, and a cryptographic coprocessor performs secure firmware and/or software updates, and performs firmware and/or software validation for firmware and/or software that is stored on the electronic device. Validation may compare a calculated checksum with a checksum stored in EMV chip memory. If a checksum calculated for firmware and/or a software application matches a checksum stored in EMV chip memory of the transaction card, the transaction card may operate normally. If a checksum calculated for firmware and/or a software application does not match a checksum stored in EMV chip memory of the transaction card, the transaction card may freeze all capabilities, erase the memory of the transaction card, display data indicative of a fraudulent or inactive transaction card, and/or the like.

    SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD
    10.
    发明申请
    SYSTEM, METHOD, AND APPARATUS FOR UPDATING AN EXISTING DYNAMIC TRANSACTION CARD 审中-公开
    用于更新现有动态交易卡的系统，方法和装置

    公开(公告)号：US20160307190A1

    公开(公告)日：2016-10-20

    申请号：US15098730

    申请日：2016-04-14

    申请人： Capital One Services, LLC.

    发明人： James ZARAKAS ,  Adam KOEPPEL ,  Kevin KELLY ,  David WURMFELD

    IPC分类号： G06Q20/34 ,  G06Q20/38 ,  G06Q20/36 ,  G06K19/04 ,  G06Q20/40

    CPC分类号： G06Q20/341 ,  G06K19/045 ,  G06K19/07769 ,  G06Q20/352 ,  G06Q20/354 ,  G06Q20/3563 ,  G06Q20/3672 ,  G06Q20/3829 ,  G06Q20/4016 ,  G06Q2220/00

    摘要： A system for securely updating an electronic transaction card held by an account holder with an additional account and/or account data. A dynamic transaction card may be securely updated with an additional account by using pre-stored shell data and/or inactive data, whereby the pre-stored shell data may be populated using data received from an issuer system and/or the inactive data may be activated via an activation signal received from an issuer system. A backend server may determine, via a fraud determination, expiration determination, and/or user-request, that new account data should be transmitted to an account holder. The dynamic transaction card may receive the data associated with a notification, update a display, instruct an EMV applet to use a key associated with a received EMV key identifier for signatures, and/or update any additional data stored on the dynamic transaction card.

    摘要翻译： 一种用于由帐户持有人持有的电子交易卡安全地更新附加帐户和/或帐户数据的系统。 通过使用预先存储的shell数据和/或非活动数据，动态交易卡可以通过附加帐户被安全地更新，由此可以使用从发行者系统接收的数据填充预存储的外壳数据和/或非活动数据可以是 通过从发行者系统接收的激活信号激活。 后端服务器可以通过欺诈判定确定到期确定和/或用户请求，将新的账户数据发送到账户持有者。 动态交易卡可以接收与通知相关联的数据，更新显示器，指示EMV小应用程序使用与所接收的EMV密钥标识符相关联的密钥进行签名，和/或更新存储在动态交易卡上的任何附加数据。