公开(公告)号：US12212716B2

公开(公告)日：2025-01-28

申请号：US17724428

申请日：2022-04-19

Applicant: Capital One Services, LLC

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

IPC: H04M3/51 ,  H04M3/42

Abstract: Disclosed embodiments may include a method for authenticating calls for a call center where the user can authenticate before or after starting a call to a call center using an application on a user device. The system determines what level of authentication is necessary depending on the task the user wants to accomplish during the call. The system may direct the user to provide credentials, such as a username and password, for some tasks. Other tasks may require the user to verify their financial card by taking a photo of their financial card or tapping their financial card to their device and allow the device to interact with the financial card using NFC technology. Once appropriately authenticated, the system then allows the user to make a call to the call center and also sends a signal to the call center that the user has been previously authenticated.

公开(公告)号：US12086807B2

公开(公告)日：2024-09-10

申请号：US18240736

申请日：2023-08-31

Applicant: Capital One Services, LLC

Inventor： Tyler Maiman ,  David Septimus ,  Samuel Rapowitz ,  Jenny Melendez ,  Viraj Chaudhary ,  Joshua Edwards

IPC: G06Q20/40 ,  G06F18/214 ,  G06N20/20

CPC classification number: G06Q20/4015 ,  G06F18/214 ,  G06N20/20 ,  G06Q20/4012 ,  G06Q20/405 ,  G06Q20/4097

Abstract: Methods, systems, and apparatuses are described herein for authenticating access to an account using questions which allow users to provide textual information about transactions conducted by an account. A machine learning model may be trained to predict the guessability of merchants. A request for access to an account may be received, and transaction data for that account may be received. An authentication question may be presented. For example, a user may be prompted to list places they have shopped recently. A user response comprising text data may be received. The text data may be processed to identify one or more merchants. If the one or more merchant(s) are represented in the transaction data, the machine learning model may be used to determine the guessability of the one or more merchants. An authentication score may be determined based on the guessability, and access to the account may be provided.

公开(公告)号：US12067564B2

公开(公告)日：2024-08-20

申请号：US18242709

申请日：2023-09-06

Applicant: Capital One Services, LLC

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

IPC: G06Q20/40 ,  G06F21/32 ,  G10L17/24

CPC classification number: G06Q20/4014 ,  G06F21/32 ,  G06Q20/4016 ,  G10L17/24

Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.

公开(公告)号：US20240220600A1

公开(公告)日：2024-07-04

申请号：US18605125

申请日：2024-03-14

Applicant: Capital One Services, LLC

Inventor： Tyler Maiman ,  Viraj Chaudhary ,  Samuel Rapowitz ,  Daniel Miller ,  David Septimus ,  Joshua Edwards

IPC: G06F21/45 ,  G06F21/31 ,  H04L9/40

CPC classification number: G06F21/45 ,  G06F21/31 ,  H04L63/0807 ,  H04L63/083 ,  H04L63/0838 ,  H04L63/0892 ,  H04L63/102

Abstract: Methods, systems, and apparatuses are described herein for improving the security of personal information by preventing attempts at gleaning personal information from authentication questions. A computing device may receive a request for access to an account associated with a user. The request may comprise candidate authentication information. Based on comparing the candidate authentication information with the account data, the computing device may generate a synthetic authentication question. The synthetic authentication question may be generated as if the candidate authentication information is valid. A response to the synthetic authentication question may be received, and the request for access to the account may be denied.

公开(公告)号：US20240193711A1

公开(公告)日：2024-06-13

申请号：US18393191

申请日：2023-12-21

Applicant: Capital One Services, LLC

Inventor： Viraj Chaudhary ,  Abdelkader M'Hamed Benkreira ,  Jennifer Kwok

IPC: G06Q50/12 ,  G06Q10/0631 ,  G06Q10/0875

CPC classification number: G06Q50/12 ,  G06Q10/06315 ,  G06Q10/0875

Abstract: An exemplary method includes receiving, by a processor, flight information from a computer device associated with an airline identifying a flight and passengers on the flight that purchased flight tickets by utilizing payment cards associated with a card authorizing entity. Passenger food preferences for the flight passengers based at least in part on historical payment card transaction data of the flight passengers is received from a computing device associated with the card authorizing entity based on the flight information. A food inventory available to be serviced on the flight is received. Automatically determining a flight-specific food inventory, to minimize an overall weight of the flight-specific food inventory to be carried by the flight based on the passenger food preferences. Automatically transmitting food packing instructions to a packing-related machine based on the flight-specific food inventory so as to assemble a portion of the flight-specific food inventory.

公开(公告)号：US11977939B2

公开(公告)日：2024-05-07

申请号：US18110445

申请日：2023-02-16

Applicant: Capital One Services, LLC

Inventor： Bryant Yee ,  Tyler Maiman ,  Viraj Chaudhary

IPC: G06K19/077 ,  G06K19/06

CPC classification number: G06K19/0772 ,  G06K19/06196

Abstract: Provided are compact transaction cards. In some approaches, a body of the card includes first and second sections rotatably coupled together, wherein the first and second sections define a first main side opposite a second main side, an insertion end perimeter opposite a second end perimeter, and a first side perimeter opposite a second side perimeter. The body may include a chip along the first main side, the chip being located on the first section of the body. A magnetic stripe may be provided along the second main side of the body, wherein the magnetic stripe is located on the second section, wherein the magnetic stripe extends parallel to the insertion end perimeter when the first and second sections are in a first configuration, and wherein the magnetic stripe extends perpendicular to the insertion end perimeter when the first and second sections are in a second configuration.

公开(公告)号：US20240135379A1

公开(公告)日：2024-04-25

申请号：US18402394

申请日：2024-01-02

Applicant: Capital One Services, LLC

Inventor： Joshua Edwards ,  David Septimus ,  Samuel Rapowitz ,  Jenny Melendez ,  Tyler Maiman ,  Viraj Chaudhary

IPC: G06Q20/40 ,  G06F18/23213 ,  G06N20/00 ,  G06Q20/32

CPC classification number: G06Q20/4014 ,  G06F18/23213 ,  G06N20/00 ,  G06Q20/3224

Abstract: Aspects described herein may allow for authenticating a user by generating a customized set of authentication questions based on patterns that are automatically detected and extracted from user data. The user data may include transaction data collected over a period of time. By automatically detecting user patterns that correspond to user behavior over a period of time, an authentication system may be able to generate information that is recognizable to an authentic user but difficult to guess or circumvent for any other user.

公开(公告)号：US11907343B2

公开(公告)日：2024-02-20

申请号：US17314683

申请日：2021-05-07

Applicant: Capital One Services, LLC

Inventor： Viraj Chaudhary ,  David Septimus ,  Jenny Melendez ,  Samuel Rapowitz ,  Tyler Maiman ,  Joshua Edwards

IPC: G06F21/31 ,  G06F16/2455 ,  G06N3/08 ,  G06Q40/02 ,  G06F21/60 ,  G06F21/00

CPC classification number: G06F21/31 ,  G06F16/24564 ,  G06F21/604 ,  G06N3/08 ,  G06Q40/02 ,  G06F2221/2103

Abstract: Methods, systems, and apparatuses are described herein for improving the accuracy of authentication questions using transaction limitations provided by users. A request for access to an account associated with a user may be received from a user device. An account restrictions database may be queried to determine one or more transaction rules associated with the account. The one or more transaction rules may have been created by the user and indicate limitations on financial transactions that may be performed via the account. An authentication question may be generated that is associated with a violation of the one or more transaction rules. The authentication question may be provided to the user device, and a response to the authentication question may be received. Access to the account may be provided to the user device based on the response.

公开(公告)号：US20240013214A1

公开(公告)日：2024-01-11

申请号：US18372866

申请日：2023-09-26

Applicant: Capital One Services, LLC

Inventor： Samuel Rapowitz ,  Viraj Chaudhary ,  Zviad Aznaurashvili

IPC: G06Q20/40 ,  G06N5/04 ,  G06N20/00

CPC classification number: G06Q20/401 ,  G06N5/04 ,  G06N20/00

Abstract: Aspects described herein may use a machine learning model to identify transactions likely to be remembered by a user and that may be used to generate challenge questions to authenticate the user. An individual may request an action related to a financial account. In response to the request, the machine learning model may determine a likelihood an authorized user of the financial account will remember one or more recent transactions. The likelihood of each candidate transaction may be compared to a predetermined threshold to determine a subset of recent transactions. Information relating to the subset of recent transactions may be used to generate one or more challenge questions to pose to the user. The user's responses to the challenge questions may be used to evaluate whether the user is the authorized user of the financial account or is a fraudster or imposter.

公开(公告)号：US20240013211A1

公开(公告)日：2024-01-11

申请号：US17857730

申请日：2022-07-05

Applicant: Capital One Services, LLC

Inventor： Joshua Edwards ,  David Septimus ,  Jenny Melendez ,  Tyler Maiman ,  Samuel Rapowitz ,  Viraj Chaudhary

IPC: G06Q20/40 ,  G06Q20/22 ,  G06F40/295 ,  G06F40/205 ,  G06F40/166

CPC classification number: G06Q20/40 ,  G06Q20/223 ,  G06F40/295 ,  G06F40/205 ,  G06F40/166

Abstract: Methods, systems, and apparatuses are described herein for improving computer authentication processes through computer-based authentication in a manner that excludes P2P transactions from being presented in false options presented to users. A computing device may receive a request for access to an account from a user. The computing device may provide transaction data to a machine learning model. The computing device may receive one or more merchant names related to P2P transactions from the machine learning model. The computing device may generate a modified set of false merchant choices for the user by excluding merchants related to P2P transactions. An authentication question may be generated, and access to the account may be provided based on a response to the authentication question.