Capital One Services, LLC

Bryant Alan Yee

Tyler Maiman

Mykhaylo Bulgakov

George Bergeron

Kevin Grant Osborn

Daniel John Marsch

Joshua S Edwards

Cruz Vargas

Michael Bakr Mossoba

Colin Hart

Andrea Montealegre

William Fowler Carroll, Ii

Samuel Rapowitz

Joshua Peters

Viraj Chaudhary

William Carroll

Leeyat Bracha Tessler

Abdelkader M'Hamed Benkreira

Michael Saia

Armando Martinez Stone

Jeffrey Rule

Adam Vukich

Latika Gulati

Sarah Jane Cunningham

Jenny Melendez

Asher Smith-Rose

Alexander Lin

Rocky Guo

Jude Pierre Anasta

Shannon Yogerst

Brian McClanahan

Imren Johar

John Jones

Ray Cheng

Ashley Dakota Ross

Steven Black

Zachary Sweeney

George Leon Bergeron, Iv

David Kelly Wurmfeld

Abdelkader Benkreira

Eric Loucks

Kathryn Tikoian

Sarah Olsen

Haytham Yaghi

Samuel Yip

Ryan Christopher Farber

Jerry Wu

Transaction card

Transaction cards, systems and methods involving an on-card display and an associated mobile computing device utilized for authenticating transactions are disclosed. In one embodiment, an exemplary transaction card may comprise transaction circuitry configured to conduct purchase transactions involving a mobile computing device coupled to or associated with the transaction card, communication circuitry configured to communicate with a provider of the transaction card, an e-ink display configured to display a QR code on the transaction card for use in authentication, data storage configured to store the QR code, and computer readable media having instructions for initiating a second-factor authentication process and displaying the QR code on the e-ink display to be captured by the mobile computing device and transmitted to a system or server for validating the second-factor authentication process.

Transaction cards and computer-based systems involving an on-card display and mobile device for authenticating transactions and methods of use thereof

Aspects described herein may obfuscate publicly available personal information by publishing generated synthetic user personal data to one or more sites. By publishing the generated synthetic personal data to one or more sites, a user's actual personal data will be more difficult to discern and/or detect, resulting in greater privacy, security, and/or control of personal information. A machine learning model may be trained to generate synthetic personal data based on verified personal data and/or training datasets. Upon receiving a request from a user, the machine learning model may generate synthetic personal data, which appears similar to the publicly available information but includes false and/or inaccurate data and/or information about the user. The generated synthetic personal data and/or information may be disseminated to a plurality of sites to hide, or otherwise obfuscate, the user's actual data and/or information.

Scrambling an identity on the internet

Disclosed embodiments may include a system for curating online vehicle reservations. The system may determine, from received vehicle data including first timing data and indicating a selected vehicle, that the selected vehicle is electric. The system may receive accommodation data including second timing data and indicating a selected accommodation. The system may determine, from comparing the first timing data to the second timing data, that the selected vehicle will likely require charging at the selected accommodation. The system may determine whether the accommodation data includes an indication of electric vehicle charging facilities. Responsive to determining that the selected accommodation does not provide the indication of electric vehicle charging facilities, the system may generate a first graphical user interface warning that no charging station is available for the selected vehicle at the selected accommodation and transmit the first graphical user interface to a user device for display.

Systems and methods for curating online vehicle reservations to avoid electric vehicle battery depletion

A transaction card assembly is disclosed, comprising a card body, an EMV chip, visible cardholder information, and a receiving portion disposed on the card body; a weighted card component comprising an attachment portion, the weighted card component being heavier than the card body and wherein, in a first configuration, the weighted card component is coupled to the card body via engagement between the receiving portion and the attachment portion, and in a second configuration, the weighted card component is uncoupled from the card body by disengagement between the attachment portion and the receiving portion, and wherein, in the first configuration, the weighted card component obfuscates the EMV chip and the visible cardholder information.

Transaction card with a removable weight

Embodiments are directed to systems and techniques to generate random numbers via contactless cards.

Devices and techniques to perform entropy-based randomness via a contactless card

A transaction card assembly may include a card body comprising a first face and a second face opposite the first face; a receiving portion formed on the first face of the card body; and a first removable magnetic strip assembly comprising a first magnetic strip and a first attachment portion. In a first configuration, the first removable magnetic strip assembly may be coupled to the card body via engagement between the first attachment portion and the first magnetic strip, and in a second configuration, the first removable magnetic strip assembly may be uncoupled from the card body by disengagement between the first attachment portion and the first magnetic strip. In the second configuration, the first removable magnetic strip assembly is configured for reuse with an additional card body, the additional card body being different than the card body.

Transaction card with a removable magnetic strip

In some embodiments, a near-field communication card may be provided with an NFC-field-strength visualization display and a transparent window through which the NFC-field-strength visualization display is visible. In some embodiments, a token (e.g., the NFC card) may be constructed to include an electromagnetic field visualization display, a radiofrequency communication antenna, and a first transparent region having a transparent surface through which the electromagnetic field visualization display is visible. In some embodiments, a first layer of a token may be provided, where the first layer includes an electromagnetic field visualization display and a radiofrequency communication antenna. A second layer of the token may be provided, where the second layer includes a first transparent region. The first and second layers may be bonded such that the electromagnetic field visualization display of the first layer is visible through the first transparent region of the second layer.

Card with field strength visualization display

Provided are transaction cards including an infinity mirror. In some approaches, a transaction card may include a body comprising a first reflective layer and a second reflective layer, and a light source between the first reflective layer and the second reflective layer.

Transaction card including infinity mirror

In some implementations, a user device may receive one or more first advertisements from one or more first beacons. Accordingly, the user device may exchange check-in messages with a remote device based on the one or more first advertisements. The user device may track a location using at least one or more signal strengths associated with the one or more first beacons and one or more signal strengths associated with one or more second beacons. The user device may further display and update a map based on tracking the location. The user device may receive one or more second advertisements from the one or more second beacons. Accordingly, the user device may request first information associated with the one or more second beacons that is different from second information associated with one or more third beacons. The user device may further display the first information.

Wayfinding and location-based information delivery using bluetooth beacons

Embodiments are directed to methods and techniques for providing power via piezoelectric components on contactless cards.

Systems and methods to generate power for a contactless card via a piezoelectric component

Authentication card with integrated cloth. In some aspects, an authentication card for short range wireless communications includes a first card layer comprising a first cutout, a second card layer, and a fabric layer fastened between the first and second card layer, where the fabric layer is exposed through the first cutout. A microchip may be provided on the first card layer, wherein the microchip is coupled with an antenna enabling authentication (e.g., contactless) by employing radio frequency identification (RFID) or near field communication (NFC).

Authentication card with integrated cloth

Disclosed embodiments may include a method for automatically providing customized financial card incentives where the system can identify if a transaction is eligible for additional bonus rewards by determining if the user is a student using a clustering algorithm with user similarity data to generate a probability. Then, if the probability is above a predetermined threshold, a machine learning model with comprehensive user data classifies the user as a student or non-student. Once the user is determined to be a student, the transaction is verified as being an educational purchase using the transaction data or by having the user provide an image of a receipt. Once the transaction is verified, the transaction or items within the transaction qualify for additional rewards that are applied to the user's account. Users who are not identified as students may qualify for a standard amount of rewards.

Systems and methods for automatically providing customized financial card incentives

Methods and systems are described herein for generating parameterized records using communications data. A generation system may be used to facilitate generating the parameterized records. The system may encode a plurality of electronic messages into bag-of-words embeddings and input a plurality of bag-of-words embeddings into a machine learning model to identify electronic messages containing itemized records, each including corresponding item identifiers. The system may transmit a request to identify server records associated with the itemized records, wherein the request comprises the corresponding item identifiers, and wherein the record identification server uses the corresponding item identifiers to identify the itemized records. The system may receive the server records each of which includes corresponding parameters. The system may, in response to determining that the corresponding parameters match sets of a plurality of sets of criteria, generate a parameterized record for the itemized records including the itemized records and corresponding parameter data.

Generating parameterized record from electronic messages

Provided are transaction cards with a reduced weight core. In some approaches, a transaction card may include a body having a first outer layer opposite a second outer layer, and a corrugated core between the first outer layer and the second outer layer, wherein the corrugated core comprises a plurality of alternating peaks and valleys coupled to the first outer layer and the second outer layer. The transaction card may further include an identification chip positioned through the first outer layer, wherein the identification chip is directly coupled to the corrugated core.

Transaction card with lightweight core

Growing community of inventors

McLean, VA, United States of America

Bryant Alan Yee