公开(公告)号：WO2023092025A1

公开(公告)日：2023-05-25

申请号：PCT/US2022/080070

申请日：2022-11-17

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： OSBORN, Kevin ,  OLIVER, Matt J. ,  CHENG, Lin Ni Lisa

IPC: G06Q20/40

Abstract: Disclosed herein are system, method, and computer program product embodiments for providing secure access to a locker of a locker system based on a token that includes token data and a message authentication code (MAC) to authenticate the token data. The token data includes at least the unique locker identifier for the locker. The MAC can be generated using a secret key. The secret key can be obtained based on a unique derivation key associated with a master key. The locker system can determine whether the token is valid based on the token data, the MAC, and the secret key. In response to a determination that the token is valid, the locker system can send a signal to unlock the locker.

公开(公告)号：WO2023049635A1

公开(公告)日：2023-03-30

申请号：PCT/US2022/076286

申请日：2022-09-12

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： ZHU, Xiaoguang ,  VADREVU, Vyjayanthi ,  CHENG, Lin Ni Lisa

IPC: G06Q30/02 ,  G06Q30/06 ,  G06Q90/00

Abstract: Disclosed herein are system, method, and computer program product embodiments for utilizing non-RAM memory to implement environmental impact scoring. An embodiment operates by identifying environmental impact components associated with a product, calculating the environmental impact value for each of the environmental impact components to generate a plurality of environmental impact values and scoring the product based on the plurality of environmental impact values to reflect an environmental impact score. Environmental impact scores may be displayed for customer consideration during a potential purchase.

公开(公告)号：WO2022098673A1

公开(公告)日：2022-05-12

申请号：PCT/US2021/057774

申请日：2021-11-02

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： CHENG, Lin Ni Lisa ,  FIELDS, John

IPC: G06N3/08 ,  G06Q20/16 ,  G06Q20/38

Abstract: Systems and methods disclosed herein provide automatic expense categorization of transactions or expenditures based on a machine learning (ML) model trained using anonymized transactional data for expenditures that are stored in a public blockchain. The anonymized transactional data for the expenditure and the expense category, may be distributed throughout the blockchain network and recorded in the blockchain. In some implementations, an expenditure may be submitted to the blockchain network for expense categorization. The transactional data for the expenditure may be anonymized to remove confidential and personal identifying information (PII) before it is distributed throughout the blockchain network. Each participating node of the blockchain network may utilize the ML model to identify an expense category for the expenditure. The participating nodes may provide a consensus mechanism in order to arrive at a shared understanding of how to categorize the expenditure.

公开(公告)号：WO2019232332A1

公开(公告)日：2019-12-05

申请号：PCT/US2019/034851

申请日：2019-05-31

Applicant: CAPITAL ONE SERVICES, LLC

Inventor： GABRIELE, David ,  LUTZ, Wayne ,  CHENG, Lin Ni Lisa ,  MARSCH, Daniel John ,  MAIMAN, Tyler ,  SANGI, Saleem Ahmed ,  OSBORN, Kevin

IPC: G05B19/00

Abstract: An automated method is provided for activating a function in a mobile interface device using near field communication (NFC). In the method, the mobile interface device receives a sequence of NFC transmissions from one or more NFC transmitters. Each NFC transmitter has an associated identifier and each NFC transmission is triggered by a spatial interaction between the mobile interface device and one of the one or more NFC transmitters. The mobile interface device determines whether the sequence of NFC transmissions meets matching criteria for one of a plurality of predetermined transmission sequences. Responsive to a determination that the sequence of NFC transmissions meets matching criteria for one of the predetermined transmission sequences, the mobile interface device determines the predetermined function associated with the one of the predetermined transmission sequences and initiates the predetermined function.