Capital One Services, LLC

Abdelkader Benkreira

Michael Bakr Mossoba

Joshua S Edwards

Tyler Maiman

Brendan Way

Joshua Edwards

Michael Mossoba

Colin Hart

Jeffrey Rule

Kaitlin J Newman

Wayne David Lutz

Sophie Bermudez

Sarah Jane Cunningham

Latika Gulati

William Carroll

Adam Vukich

Lara Mossler

Daniel John Marsch

Charles Nathan Crank

Kimberly Haynes

Andrew Cogswell

Rajko Ilincic

Bryant Alan Yee

Kevin Patrick Kelly

Mykhaylo Bulgakov

Robert T Perry

George Bergeron

Kyle Rankin Johnson

Max Miracolo

Austen Novis

Steven Quadros

Adnan Malik

Natasha Mitchko

Example embodiments of systems and methods for a cryptographic bypass system, comprising: a contactless card; and a server, wherein the server is configured to: receive a cryptogram and location data after a tap of the contactless card to a client device, identify a first merchant based on the location data, set a flag associated with the first merchant and the contactless card, receive a transaction request from a merchant payment system of the first merchant associated with the contactless card, wherein the transaction request indicates a transaction amount, and approve the transaction request when the transaction amount exceeds a first transaction limit when the flag is set.

Systems and methods for bypassing contactless payment transaction limit

A card for storing both emergency information and payment information is disclosed. The card can be used by an emergency responder to retrieve emergency information for the user. The emergency information can enable the emergency responder to better render aid to the user. The card can have one or more processors, a sensor, and a memory in communication with the one or more processors and storing an application thereon. The application can cause the card to receive a request from a user device (e.g., from an emergency medical technician, or EMT) to access emergency information stored in the memory, transmit a security challenge to the user device, authenticate a received response to the security challenge from the user device, and transmit the emergency information to the user device.

Devices and methods for providing emergency information using a payment card

Disclosed herein are systems and methods for determining whether an automated telephone call has been answered by a particular user, a different person, or a voicemail service. In response to determining that the call has been answered by the user, a different person, or a voicemail service, the systems and methods can output different respective messages, initiate messaging to the user via alternate communication paths, or perform other actions.

Systems for identifying the answering party of an automated voice call

Exemplary systems, methods, and computer-accessible mediums can include, for example, receiving a first location of a user(s) and time information associated with that location, initiating a record for the user(s) based on the location and the time information, receiving a second location of the user(s), where the second location can be in a second bounded area, storing in record, a transaction(s) associated with the user(s) based on the second location, and automatically initiating a single payment for the transaction(s) when the user(s) leaves the first location.

System, method, and computer-accessible medium for geo-fenced zones

The disclosed systems and methods may request a merchant identifier associated with a merchant from a third party, receive the merchant identifier, retrieve or receive a first uniform resource locator (URL) associated with the merchant, and store the merchant identifier and the first URL in a database. In response to a web browser extension detecting that a user is preparing to make an online purchase associated with the merchant, the system may receive an age request for an age of the merchant from a user device and identify the merchant identifier in the database based on a second URL included in the age request. The system may then request the age of the merchant from the database based on the merchant identifier, receive the age of the merchant from the third party, and transmit the age of the merchant to the user device for display.

Systems and methods for proactively informing users of an age of a merchant during online transactions

Systems and methods for fraud detection and prevention is disclosed. The system may receive a transaction request for a first customer including a transaction location, transaction time stamp, and merchant type code. The system may determine whether the transaction location is expected for the first customer. When the transaction location is unexpected, the system may identify a last-known video detection having a last-known time stamp and last-known location. The system may determine a travel time estimate between the last-known location and the transaction location and determine a buffer based on the merchant type code. The system may compare the travel time estimate to an allotted time that includes a difference between the transaction time stamp and last-known time stamp less the buffer. When the travel time estimate exceeds the allotted time, the system may execute one or more fraud prevention steps.

Systems and methods for fraud detection and prevention

A computer-implemented method for providing presentable transaction data of a product to a user may include obtaining preliminary transaction data of one or more purchasers other than the user; generating itemized transaction data based on the preliminary transaction data; obtaining one or more translation codes from one or more transaction entities; generating standardized transaction data based on the itemized transaction data and the one or more translation codes; retrieving identification data from the standardized transaction data; generating anonymized transaction data based on the standardized transaction data by withholding the identification data; generating presentable transaction data based on the anonymized transaction data; and transmitting, to a device associated with the user, the presentable transaction data.

Methods and systems for anonymizing and providing access to transaction data

An exemplary system, method an computer-accessible medium can include generating a list of transactions with a plurality of merchants using a financial account associated with a financial account provider, determining a plurality of items in the list of transactions that are available for repurchase, displaying the transaction and the items available for repurchase, receiving a purchase request to repurchase at least one of the items available for repurchase from at least one of the merchants, and initiating a repurchase of the at least one of the items by the financial account provider with the at least one of the merchants. The financial account can be a credit card account. The items in the list of transactions that are available for repurchase can be determined by determining item level data for each transaction in the list of transactions.

System, method and computer-accessible medium for repeating prior purchases

Systems and methods for implementing an auto-pause functionality for recurring payment transactions that continue to be charged, despite being associated with an unavailable merchant service as mandated by a public closure restriction. One operational aspect of the disclosed system/method is active detection of a possible closure condition based on monitoring a ratio of on-line (Card Not Present) to in-person (Card Present) transactions, internally computed over several time windows. The outcome of the ratio test falling below a predefined value is indicative of a possible public closure condition. There is an external verification step based on externally provided information associated with a published closure notification. Disclosed process further involves an indexing operation for parsing and tracking of recurring transaction string data to facilitate the identification of invalid recurring transaction strings, once a public closure condition is verified.

Systems and methods for digitally issued loyalty enrollment

A security system for a network may be configured to detect one or more failed authentication attempts to access the network by at least one user device and determine the number of the failed authentication attempts. The system may determine a first risk score based on the number of failed authentication attempts and determine whether the first risk score is greater than or equal to a first risk score threshold and generate a first notification indicating that the user device is attempting to gain unauthorized access onto the network. The system may transmit the first notification to an administrator of the network, determine the user device is successfully authenticated to access the network after the number of failed authentication attempts has been detected, and apply a first set of network activity restrictions to the user device.

Systems and methods for network security

In a method for transferring payment account information, a payment information transfer request is received from an account holder device associated with a first provider account. A list of payees to which electronic payments have been made from the first provider account is transmitted to the account holder device for display to the account holder and a user selection of at least one selected payee from the list of one or more payees is received from the account holder device. A payment account information data file is assembled in a predetermined data format, the file including payment account information for each selected payee. The payment account information data file is then transmitted to at least one of the set consisting of the account holder device and an information processing system of a second account provider.

System and method for facilitating transfer of electronic payment information

A computer vision card reader and/or point of sale device is described. The device is configured to sense when a user inserts a card into a card reader and to determine when a user departs or is about to depart from the device without retrieving the card. The device may issue an audible or visible alert to the user, reminding the user to retrieve the card. The device may additionally send a notification to a mobile device associated with the user that reminds the user that he has left a card at the point of sale. In some embodiments, message sent to the user contains a code and, upon entry of the code, the point of sale or card reader device returns the card to the user.

Systems and methods for card-handling by point of sale devices

Systems and methods build blockchains and verify assets for smart contracts. A system includes a memory, a blockchain, a set of nodes, a set of verifiers, a set of miners, and a consensus protocol. The memory can have a block data structure representing a transaction for an asset having an identifier and at least one verifiable characteristic. The consensus protocol can include rules for: receiving the stake at risk from the verifiers, providing the reputational score to the verifiers, verifying the verifiable characteristic of the asset by the verifiers, cryptographic verification by the miners, adding the new block to the blockchain by the miners, providing the reward to the miners, and distributing the copy of the blockchain to each node.

Systems and methods for building blockchains for verifying assets for smart contracts

A system may include processor(s), a memory in communication with the processor(s), and storing instructions, that when executed by the processor(s), are configured to cause the system to prevent unnecessary payments. The system may receive a signal indicative of an event in which a user device associated with a user enters a geofenced area associated with a merchant. The system may identify a merchant category code (MCC) associated with the merchant, and determine whether benefit(s) related to the MCC are associated with account(s) of the user. The system may receive an attempted purchase associated with the merchant, and may determine whether the attempted purchase relates to the benefit(s). The system may automatically block the attempted purchase related to the benefit(s) and associated with the user, and may transmit a message to the user via the user device, the message providing the benefit(s).

Systems and methods for preventing unnecessary payments

Systems and methods for fraud monitoring are disclosed, including: receiving a transaction request associated with a first instrument of a user; extracting, characteristics of the transaction request; identifying, by the first processor, user data based on the transaction request; determining a fraud severity value and notification value based on inputting the characteristics and user data into a fraud machine learning model; performing a first fraud action based on the fraud severity value; wherein the first fraud action is at least one selected from the group of locking the first instrument for a period of time, deactivating the first instrument, and electronically transmitting a first query message to a user device associated with the first instrument; and transmitting a fraud notification based on the notification value, wherein the fraud notification includes severity information associated with the fraud severity value.

Growing community of inventors

New York, NY, United States of America

Abdelkader Benkreira