Capital One Services, LLC

Colin Hart

Jeffrey Rule

Kaitlin J Newman

Jason Ji

Wayne David Lutz

Lea Cody

Daniel Herrington

Lara Mossler

Michael Bakr Mossoba

Kevin Grant Osborn

Rajko Ilincic

Christine Berglund

Melissa Yoemans Heng

Charles Nathan Crank

Sophie Bermudez

Sarah Jane Cunningham

Latika Gulati

Lesley Newton

Adam Vukich

Joshua S Edwards

Kimberly Haynes

Andrew Cogswell

Abdelkader M'Hamed Benkreira

Mykhaylo Bulgakov

Kaylyn S Gibilterra

Taurean Butler

Jessica Greenberg

Ryan Cuppernull

James M Ashfield

Emily Smith

Bryant Alan Yee

Molly Elizabeth Johnson

Angelina Wu

Alexandra Colevas

Kevan Emmott

Steven Quadros

Adnan Malik

Matthew Horton

Allison Abbott

Emma Sagan

Jared M Alexander

Scott Golder

Francisco Perezleon

Paul Y Moreton

Laith Hallaq

Kevin Widener

William Duane

Srinivasa Chigurupati

Daniel John Marsch

Abdelkader Benkreira

Jeremy Rephlo

Alex Leo Niderberg

Sarah Calandro

Mohamed Lafeer

Michael Chermside

Ryan Webb

Ian Prince

Michael Saia

William Carroll

Robert Dean Rowley, Iii

Mark Mendez

R M Keelan Downton

Daniel Lloyd Struble

Jingtao Wu

Chi Tak Kwok

Matthew Bryan

Nondini A Naqui

Jose Vazquez

Francisco PerezLeon

George Bergeron

Erik Neighbour

Scott V Totman

Bob Uni Koshy

Daniel Pick

Display screen with animated graphical user interface for card communication

Display screen with an animated graphical user interface

A device receives first transaction information associated with a first transaction, and a first transaction account utilized for the first transaction and associated with a first financial institution. The device determines, based on a fraud model, that the first transaction is to be denied due to potential fraud associated with the first transaction account and receives second transaction information associated with a second transaction, and a second transaction account utilized for the second transaction and associated with a second financial institution. The device processes the first transaction information and the second transaction information, with a matching model, to determine whether the first transaction information matches the second transaction information and determines that the first transaction was incorrectly denied when the first transaction information matches the second transaction information within a predetermined threshold. The device performs one or more actions based on determining that the first transaction was incorrectly denied.

Updating a machine learning fraud model based on third party transaction information

Various embodiments for contextual tapping engines. For example, an application executing on a computing device may authenticate credentials associated with an account and detect a tap of a contactless card to the computing device. The application may receive, from a communications interface of the contactless card, action data used to determine an action associated with the tap of the contactless card to the computing device. The application may determine a context of the application based on a current output of the application. The application may determine, based on the action data, the determined context, and data associated with the account, a first action associated with the tap of the contactless card to the computing device, the first action associated with at least one of the application and an operating system (OS). The application may initiate performance of the first action based on the tap of the contactless card.

Contextual tapping engine

In some embodiments, transaction data associated with a user may be processed based on one or more criteria indicative of a trip to determine transactions related to the trip. Based on a comparison between geolocation data associated with stored images and location data associated with the transactions, a visual representation derived from the images may be generated, where the visual representation indicates correlations between the images and the transactions determined to be related to the trip. Display instructions for displaying the visual representation on a client device of the user may be provided to the client device.

Systems and methods for providing context to customer activity through a visual representation

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

Systems and methods for cryptographic authentication of contactless cards

Systems, methods, and computer-readable media for providing accurate images of cards. An application executing on a mobile device may receive authentication credentials for an account, determine a card associated with the account, and determine a card manufacturer identifier (CMID) of the card. The application may receive, from a digital asset management system based on the CMID, a plurality of metadata attributes of the card and one or more images of the card. The application may determine, based on the metadata attributes and attributes of the mobile device, a first orientation of the card to enable near-field communication (NFC) data transfer between the card and the mobile device. The application may select a first image of the card. The application may generate a graphical user interface (GUI) including the first image and an indication specifying to tap the card to the mobile device according to the first orientation.

Accurate images in graphical user interfaces to enable data transfer

Display screen or portion thereof with graphical user interface

A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.

Determining whether a user has possession of a transaction card and/or whether the user is authorized to possess the transaction card

Systems, methods, apparatuses, and computer-readable media for secure generation of one-time passcodes using a contactless card. In one example, an operating system (OS) of a device may receive a uniform resource locator (URL) and a cryptogram from a contactless card. The OS may launch an application associated with the URL. The application may transmit the cryptogram to an authentication server. The application may receive a decryption result from the authentication server indicating the authentication server decrypted the cryptogram. Based on the decryption result, the application may request an OTP. The processor may receive an OTP from an OTP generator. The application may receive an input value and compare the input value to a copy of the OTP. The application may determine that the comparison results in a match, and display, based on the determination that the comparison results in the match, one or more attributes of the account.

Secure generation of one-time passcodes using a contactless card

Systems and methods for message presentation using contactless cards

Perforated card

Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.

Systems and methods for phone-based card activation

Growing community of inventors

Arlington, VA, United States of America

Colin Hart