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    Transaction Card Assembly
    1.
    发明公开
    Transaction Card Assembly 审中-公开

    公开(公告)号：US20240160886A1

    公开(公告)日：2024-05-16

    申请号：US18523421

    申请日：2023-11-29

    Applicant: Capital One Services, LLC

    Inventor： Phoebe Atkins ,  Vyjayanthi Vadrevu ,  Michael Saia

    IPC: G06K19/077

    CPC classification number: G06K19/07773

    Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.

    Transaction card assembly
    2.
    发明授权
    Transaction card assembly 有权

    公开(公告)号：US11868833B2

    公开(公告)日：2024-01-09

    申请号：US17539633

    申请日：2021-12-01

    Applicant: Capital One Services, LLC

    Inventor： Phoebe Atkins ,  Vyjayanthi Vadrevu ,  Michael Saia

    IPC: G06K19/07 ,  G06K19/06 ,  G06K19/077

    CPC classification number: G06K19/0723 ,  G06K19/06196 ,  G06K19/071 ,  G06K19/07722 ,  G06K19/07732 ,  G06K19/07743 ,  G06K19/07773

    Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions, and in some instances, with an identifier that is distinct from the card frame or the transaction card alone. The card frame may include a processor enabling it to perform data encryption and authentication of the smaller transaction card.

    Transaction Based Authentication with Item-Level Data
    4.
    发明申请
    Transaction Based Authentication with Item-Level Data 有权

    公开(公告)号：US20230033368A1

    公开(公告)日：2023-02-02

    申请号：US17386962

    申请日：2021-07-28

    Applicant: Capital One Services, LLC

    Inventor： Daniel Miller ,  Joshua Edwards ,  Jenny Melendez ,  David Septimus ,  Tyler Maiman ,  Viraj Chaudhary ,  Samuel Rapowitz ,  Vyjayanthi Vadrevu

    IPC: G06Q20/40 ,  H04L29/06

    Abstract: Aspects described herein may provide techniques for authenticating a user using transaction-based authentication questions that are generated based on item-level purchase data. The item-level purchase data of a transaction may include specific details of a transaction such as identification of each item purchased and corresponding prices paid for each item. Transaction-based authentication questions for a financial account may be generated based on the item-level purchase data that an authorized user of the financial account is likely to remember and that a malicious actor is unlikely to correctly guess. As a result, the authorized user of the account is likely to be correctly authenticated while the malicious actor is likely to answer the transaction-based authentication question incorrectly. Authentication can therefore effectively block malicious actors without overly burdening actual authorized users during the authentication process.

    FILTERING RESULTS BASED ON HISTORIC FEATURE USAGE
    5.
    发明申请
    FILTERING RESULTS BASED ON HISTORIC FEATURE USAGE 有权

    公开(公告)号：US20230018595A1

    公开(公告)日：2023-01-19

    申请号：US17945201

    申请日：2022-09-15

    Applicant: Capital One Services, LLC

    Inventor： Vyjayanthi Vadrevu ,  Joshua Edwards ,  Phoebe Atkins

    IPC: G06F16/9535 ,  G06F16/9538

    Abstract: Aspects described herein may provide modification of recommendations from a recommendation engine for a product or a device. The recommendation engine may provide initial search results for a particular type of device. The initial search results may be modified to ensure inclusion of devices that include features that the user considers important. Features that the user considers important may be determined based on observing the user's interaction with another device of the same type. By observing the user's interaction with the other device over a period of time, features that the user commonly uses and features that the user sparingly uses may be determined. The initial search results may then be modified to remove devices that do not include the features frequently used by the user and therefore considered important to the user.

    Filtering results based on historic feature usage
    6.
    发明授权
    Filtering results based on historic feature usage 有权

    公开(公告)号：US11487834B1

    公开(公告)日：2022-11-01

    申请号：US17230466

    申请日：2021-04-14

    Applicant: Capital One Services, LLC

    Inventor： Vyjayanthi Vadrevu ,  Joshua Edwards ,  Phoebe Atkins

    IPC: G06F16/9535 ,  G06F16/9538

    Abstract: Aspects described herein may provide modification of recommendations from a recommendation engine for a product or a device. The recommendation engine may provide initial search results for a particular type of device. The initial search results may be modified to ensure inclusion of devices that include features that the user considers important. Features that the user considers important may be determined based on observing the user's interaction with another device of the same type. By observing the user's interaction with the other device over a period of time, features that the user commonly uses and features that the user sparingly uses may be determined. The initial search results may then be modified to remove devices that do not include the features frequently used by the user and therefore considered important to the user.

    Filtering Results Based on Historic Feature Usage
    7.
    发明申请
    Filtering Results Based on Historic Feature Usage 有权

    公开(公告)号：US20220335096A1

    公开(公告)日：2022-10-20

    申请号：US17230466

    申请日：2021-04-14

    Applicant: Capital One Services, LLC

    Inventor： Vyjayanthi Vadrevu ,  Joshua Edwards ,  Phoebe Atkins

    IPC: G06F16/9535 ,  G06F16/9538

    Abstract: Aspects described herein may provide modification of recommendations from a recommendation engine for a product or a device. The recommendation engine may provide initial search results for a particular type of device. The initial search results may be modified to ensure inclusion of devices that include features that the user considers important. Features that the user considers important may be determined based on observing the user's interaction with another device of the same type. By observing the user's interaction with the other device over a period of time, features that the user commonly uses and features that the user sparingly uses may be determined. The initial search results may then be modified to remove devices that do not include the features frequently used by the user and therefore considered important to the user.

    Internet-of-things sensor network for recommendations based on internet-of-things sensor data and methods of use thereof
    8.
    发明授权
    Internet-of-things sensor network for recommendations based on internet-of-things sensor data and methods of use thereof 有权

    公开(公告)号：US12075310B2

    公开(公告)日：2024-08-27

    申请号：US17685734

    申请日：2022-03-03

    Applicant: Capital One Services, LLC

    Inventor： Lin Ni Lisa Cheng ,  Xiaoguang Zhu ,  Vyjayanthi Vadrevu

    IPC: H04W4/02 ,  H04W4/029 ,  H04W4/21

    CPC classification number: H04W4/025 ,  H04W4/029 ,  H04W4/21

    Abstract: Systems and methods of the present disclosure enable IoT-based social networking to detect, using IoT devices at a location, device signals associated with a first user device of a first user. A first user profile associated with the first user device is determined in response to the device signals. User attributes stored in the first user profile are accessed and extracted. A trained profile similarity model is used to determine similarity measures between the first user profile and other user profiles based on the user attributes. At least one similar user profile to the first user profile is identified based on the similarity measures. A meet-up point occupancy of each meet-up point at the location is determined based on a record of meet-up points to identify an open meet-up point. A meet-up recommendation is generated indicating the open meet-up point and the other user profiles.

    Transaction Card Assembly
    9.
    发明公开
    Transaction Card Assembly 审中-公开

    公开(公告)号：US20240176978A1

    公开(公告)日：2024-05-30

    申请号：US18435493

    申请日：2024-02-07

    Applicant: Capital One Services, LLC

    Inventor： Vyjayanthi Vadrevu ,  Phoebe Atkins ,  Michael Saia

    IPC: G06K19/077

    CPC classification number: G06K19/07747

    Abstract: A modular transaction card assembly includes a card frame having the traditional dimensions of a credit card, and a transaction card that is smaller than a traditional card and that fits into a receptacle of the card frame. Each of the card frame and the transaction card may be capable of performing contactless data transactions individually. The combined assembly of the card frame with the transaction card secured in the receptacle is also capable of performing contact data transactions. The transaction card and/or the card frame may include one or more visual or tactile regions that allow the transaction card and card frame to be distinguished from other cards and/or to be properly oriented and aligned with one another when combined to form the card assembly.

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