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公开(公告)号:WO2022272038A1
公开(公告)日:2022-12-29
申请号:PCT/US2022/034863
申请日:2022-06-24
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: YEE, Bryant , BULGAKOV, Mykhaylo , BERGERON, George
IPC: G06F21/44 , G06F21/78 , H04W12/069 , G06F13/4282 , G06F2213/0042 , G06F2221/2105 , G06F3/0622 , G06F3/0655 , G06F3/0679 , H04L2209/805 , H04L9/3226 , H04L9/3234
Abstract: Systems, methods, apparatuses, and computer-readable media for cryptographic authentication to control access to storage devices. An applet executing on a processor of a contactless card may receive, via a wireless communications interface of the contactless card, a request to access a storage device of the contactless card, where the storage device is in a locked state. The applet may generate a cryptogram based on the request and transmit the cryptogram to a computing device via the wireless communications interface. The applet may receive, from the computing device, an indication specifying that a server decrypted the cryptogram. The applet may transmit, to a controller of the storage device and based on the indication specifying that the server decrypted the cryptogram, an indication specifying to unlock the storage device. The controller may transition the storage device from the locked state to an unlocked state based on the indication received from the applet.
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公开(公告)号:WO2022072139A1
公开(公告)日:2022-04-07
申请号:PCT/US2021/050374
申请日:2021-09-15
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: YEE, Bryant , BERGERON, George , BULGAKOV, Mykhaylo
IPC: G06K9/00
Abstract: A system for crowdsourcing annotations for transactions includes a crowdsourcing annotation database and a processor. The database stores crowdsourced annotations associated with merchants. The crowdsourced annotations are shared among, and contributed by, users of a community. The processor receives transaction data for a transaction by a user with a merchant. Relevant crowdsourced annotations associated with the merchant are retrieved from the database and sent to the user to enable to the user to annotate the transaction. The user provides an annotation for the transaction. The system dynamically updates the database based on the annotation provided by the user. In another aspect a transaction prediction system is disclosed. The system receives transaction data and identifies text on a check image associated with the transaction data. The system identifies a recurring expense and associated expense frequency, and may generate an expense warning or suggestion to execute a check to pay the expense.
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公开(公告)号:WO2020243286A1
公开(公告)日:2020-12-03
申请号:PCT/US2020/034900
申请日:2020-05-28
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: BULGAKOV, Mykhaylo , BUTLER, Taurean , CARROLL, William F. II
IPC: G06Q20/40 , G06F16/906 , G06F16/951 , G06N5/02 , G06N20/00 , G06Q20/38 , H04L29/06
Abstract: Various embodiments are generally directed to techniques for generating rules automatically navigate a website and perform updates of payment token information.
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公开(公告)号:WO2022119724A1
公开(公告)日:2022-06-09
申请号:PCT/US2021/060015
申请日:2021-11-19
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: EDWARDS, Joshua , BULGAKOV, Mykhaylo , BERGERON, George , MONTEALEGRE, Andrea
Abstract: A method comprises: monitoring a data stream comprising a plurality of data events; identifying a data pattern comprising one or more of the plurality of data events; determining that at least one of the data events comprising the data pattern supports virtual card generation; determining that the at least one of the data events comprising the data pattern is performed using a physical card number at a geolocation; determining that at least one virtual number has been associated with profile data associated with a user; transmitting a notification comprising a request to generate a virtual number; and upon receipt of an approval of the request, executing a script to generate the virtual number and associate the virtual number with the geolocation.
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公开(公告)号:WO2022035857A1
公开(公告)日:2022-02-17
申请号:PCT/US2021/045386
申请日:2021-08-10
Applicant: CAPITAL ONE SERVICES, LLC
Inventor: BERGERON, George , YEE, Bryant , BULGAKOV, Mykhaylo
IPC: H04W12/61 , H04W12/47 , H04W12/02 , H04L9/08 , H04W12/069 , H04L9/32 , H04L29/06 , G06Q40/02 , G06K7/10 , G06F21/35
Abstract: Various embodiments are generally directed to improving card security by providing a user a contactless card with no sensitive card information, such as card number, card verification value, and expiration date, printed thereon, and displaying the sensitive card information relative to the card in augmented reality (AR) based on successful NFC-based user authentication. According to examples, the NFC-based user authentication may be performed by one-tapping or single tapping the contactless card to user mobile device. One or more portions of the sensitive card information may be obfuscated to further enhance card security. Moreover, the user can interact with AR elements including the sensitive card information to perform various actions.
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