Capital One Services, LLC

Capital One Financial Corporation

Anthony Paul Reynolds

Eric K Barnum

Daniel J Welker

James A Haworth

John F Magnuson

Jason Samuels

Daniel Kelly

Amitav Parida

Sow A Kobayashi

Oren Knishinsky

Bryan Pinos

Joseph Krasinskas

Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card.

Techniques to generate and store characteristics of a signature on a transaction card circuit

A computer-implemented method for post-acquisition assessment matching may include: receiving interaction information associated with a completed interaction involving an item acquired for a first assessment, the interaction information including an item identifier associated with the acquired item and the first assessment; in response to receiving the interaction information, determining whether the item is available for a second assessment based on the item identifier; in response to determining the second assessment for the item, comparing the first assessment with the second assessment; and in response to determining that the first assessment is higher than the second assessment based on the comparison: adjusting the first assessment based on the second assessment; determining a finalized amount for the interaction based on the adjusted first assessment for the item; and causing completion of the interaction based on the finalized amount.

Systems and methods for post-acquisition assessment matching

Systems and methods for developing and utilizing a contactability profile are disclosed. Contact information may be managed by receiving activity data associated with an entity, processing the received activity data, generating at least one contactability profile associated with the entity based upon a result of the processing, and storing the generated contactability profile.

System and method for developing and utilizing a contactability profile

In some embodiments, a request associated with a user account may be obtained, where the request includes a restriction associated with the user account. Based on the restriction included in the request, a graphic indicium (that encodes the restriction included in the request) may be generated. The graphic indicum may be sent to the client device to facilitate a transaction using the graphic indicium. In some embodiments, information associated with the graphic indicium and a request to authorize the transaction may be obtained, and the restriction may be identified based on the information associated with the graphic indicium. The transaction may be authorized based on a determination that the transaction satisfies the restriction.

Systems and methods for authorizing a transaction

A system for authorizing a transaction includes one or more processors, and a memory storing instructions. When executed by the one or more processors, the instructions cause the system to perform operations including: receiving a configuration request associated with a financial service account via a web interface; setting a limitation in accordance with the configuration request; and generating a graphic indicium or a card number as a token for authorizing a transaction, associated with the financial service account, which satisfies the limitation in accordance with the configuration request. The token is configured to be printed on a substrate or loaded into an electronic payment system.

A computer-implemented method is disclosed. The method can comprise: monitoring utilization of a cloud architecture component that is being used by a component utilizer; determining, via a machine learning model, a pattern of usage of the cloud architecture component based on the monitoring; determining, based on the pattern of usage, a first time period when the cloud architecture component is excessively used by the component utilizer and a second time period when the cloud resource is scantily used by the component utilizer; and orchestrating, based on the first and second time periods, a scaling of the cloud architecture immediately before a subsequent iteration of the pattern of usage by the component utilizer.

Orchestrated scaling of cloud architecture components

A system for device communication is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to transmit a first unique identifier to a wave device, and receive a second unique identifier from the wave device. Further, the first unique identifier may exclusively identify a person, and the second unique identifier may exclusively identify a first wave receiver associated with a person, an entity, a place, or an object. In addition, at least the first unique identifier may be transmitted to the wave device based on an indication of a proximity between the first person and the first wave receiver.

Systems and methods for communicating with a unique identifier

Various embodiments are generally directed to techniques to perform transaction with transaction cards utilizing characteristics of customer's signature. Techniques may further include determining characteristics of a signature including a reduced set of data points for the signature and storing the characteristics in secure memory of transaction card. The transaction card including the characteristics are used to perform transactions, such as those performed at Point-of-Sale (POS) terminals.

A wave device is disclosed. The wave device may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive a unique identifier associated with a community and generate a communication including the unique identifier associated with the community and enabling a second wave device to join the community. The one or more processors may be further configured to transmit the communication to the second wave device based on geographic proximity to the second wave device, and share information with the second wave device based on the second wave device joining the community.

Growing community of inventors

McLean, VA, United States of America

Anthony Paul Reynolds