Capital One Services, LLC

Daniel Alan Jarvis

Jason Pribble

Nicholas Capurso

Jeffrey Carlyle Wieker

Patrick Zearfoss

Lawrence Hutchison Douglas, Jr

Swapnil Patil

Jon Whitmore

Salman Haq

Jiawei Zhao

Swaraj Satyajeet Dhumne

Eric Cerney

Robert Chen

Clayton Johnson

James M Ashfield

Erik Neighbour

Andrew Beck

Manuel Vicente Vivo

Disclosed herein are various embodiments for detecting predefined accessibility patterns for modifying a user interface of a mobile device. An embodiment operates by determining a plurality of pre-defined accessibility patterns each of which correspond to one or more user interactions by a user with a mobile device. Sensor data indicating that a user is unable to hold the mobile device steady is received. A first pre-defined accessibility pattern that corresponds to the indication that the user is unable to hold the mobile device steady is identified. A modification to a user interface is determined, and the user interface is modified in accordance with the determined modification corresponding to the first pre-defined accessibility pattern.

Detecting a pre-defined accessibility pattern to modify the user interface of a mobile device

In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator from a computing device of a user identifying a permission by the user to detect a plurality of interaction sessions; registering the computing device of the user as a token for subsequent authentication of the user; instructing the computing device to monitor a plurality of activities associated with the detected plurality of interaction sessions initiated; receiving an indication of a current interaction session being initiated at a current period of time to a particular data point stored with the prestored database of token data; dynamically determining a risk metric associated with the computing device; automatically authenticating the computing device associated with the user; transmitting the current interaction session to a queue; and automatically generating a script for the at least one agent.

Computer-based systems configured to automatically generate communication scripts on a computing device and methods of use thereof

Systems and methods for enhanced OTP messaging, comprising: receiving a request from an application executing on a computing device of a user; generating the supplemental information based on the request; segmenting the supplemental information into a first part of the supplemental information and a second part of the supplemental information; transmitting the first part of the supplemental information to the computing device of the user via a first communication channel to another app executing on the computing device of the user; instructing the another app to allow the user to utilize one or more graphical user interface (GUI) elements of a GUI of the another app to transfer the first part of the supplemental information to the app; and transmitting the second part of the supplemental information to the computing device of the user via a second communication channel so as to provide the supplemental information to the app.

Computer-based systems involving enhanced one-time passcode (OTP) messaging and methods of use thereof

In certain aspects, the disclosed implementations include methods and systems for dynamically generating and providing transaction affinity recommendation data. In certain implementations, the transaction affinity recommendation data may include information that identifies a target merchant and associated merchant promotion data that may be generated based on a dynamic analysis of transaction data corresponding to an account record. The disclosed implementations may determine temporal relationships between pairs of sequential transactions corresponding to the account record, and based on such relationships, may identify pairs of transactions involving separate merchants. The disclosed implementations may determine affinity relationships associated with one or more pairs of the temporally related transactions and a target merchant, and based on such relationships, generate and provide the transaction affinity recommendation data.

Systems and methods for providing transaction affinity information

Described herein is a system for automatically capturing images. A device may execute an application on the device. In response to receiving a request for capturing an image of a document, the application may control the operation of the camera to contemporaneously and continuously capture image frames of an area within the field of view of a camera of the device. The field of view may include an object and in turn may be included in the captured image frames. The application may determine whether the aspect ratio and real-world size of the object in the captured image frames corresponds with a specified threshold size and aspect ratio which corresponds with a given document type. In response to determining the object corresponds to the given document type, the camera may automatically extract an image of the object.

Automatic image capture system based on a determination and verification of a physical object size in a captured image

Various embodiments are generally directed to techniques for crowdsourcing metadata, such as to create, maintain, utilize, and/or communicate metadata in a datastore. Some embodiments are particularly directed to collecting, managing, and/or distributing metadata via a user interface application (UIA), or an extension thereof. Many embodiments may facilitate collaborative creation of a repository for metadata, such as notes, characteristics, and/or statistics corresponding to data viewed with the user interface application. For example, the comments regarding websites may be collected from a first user via a first instantiation of the web browser extension and distributed to a second user via a second instantiation of the web browser extension. In several embodiments, the metadata may be collected and managed with instantiations of the web browser extension (herein after 'WBE instants') and a data manager may create, maintain, utilize, and/or communicate metadata in a datastore.

Techniques for crowdsourced metadata

A device may capture a plurality of preview frames of a document, and for each preview frame of the plurality of preview frames, process the preview frame to identify an object in the preview frame. Processing the preview frame may include converting the preview frame into a grayscale image, generating a blurred image based on the grayscale image, detecting a plurality of edges in the blurred image, defining at least one bounding rectangle based on the plurality of edges, and determining an outline of the object based on the at least one bounding rectangle. The device may determine whether a value of an image parameter, associated with the one or more preview frames, satisfies a threshold, and provide feedback to a user of the device, or automatically capture an image of the document, based on determining whether the value of the image parameter satisfies the threshold.

Image analysis and processing pipeline with real-time feedback and autocapture capabilities, and visualization and configuration system

Embodiments disclosed are directed to a system that performs steps to perform enhanced device fingerprinting. The system at least at receives from an application, a plurality of device attributes identifying a client device on which the application is being used. The plurality of device attributes includes a push token provided by a push token service to the client device. The push token is uniquely paired to the client device. The system further transmits, to a device database, the plurality of device attributes for storage in a device profile. The system also transmits, to the application, a push notification based on the push token. The system receives, from the application, a deliverable status indicating whether the push notification was successfully transmitted to the client device, and transmits, to a notification database, the deliverable status for storage in a notification delivery profile. The system can use the information to authenticate a device.

Using tokens from push notification providers to enhance device fingerprinting

The method, system, and non-transitory computer-readable medium embodiments described herein are directed to verifying documents. In various embodiments, a server may receive a first image of a front-side of a document. The server may extract a first feature of the front-side of the document from the first image and identify a first environmental feature from the first image. The server may receive a second image of a backside of the document and identify a second feature of the backside of the document from the second image. The server may also identify a second environmental feature from the second image. The server may verify the document by confirming that the first feature matches the second feature and the first environmental feature matches the second environmental feature.

Validating identification documents

In certain aspects, the disclosed implementations include methods and systems for dynamically generating and determining transaction affinity relationship information associated with a set of merchants involved in a set of transactions. In certain implementations, the transaction affinity relationship information may reflect affinity relationships between merchant chains in a merchant affinity network. The disclosed implementations may receive an adjustment to an affinity relationship associated with a merchant chain, and based on the adjustment, predicts one or more changes to affinity relationships associated with other merchant chains in the merchant affinity network.

Systems and methods for providing predictive affinity relationship information

Disclosed herein are system, method, and computer program product embodiments for verifying a document. An embodiment operates by receiving an initial image of a document and identifying a first imperfection on a feature of the document. Thereafter, the feature of the initial image is segmented into a first and second partially overlapping segment corresponding to a first and second portion of the feature, respectively. Subsequently, the feature's first portion is determined to be free from the first imperfection, and the first imperfection is identified in the feature's second segment. After receiving a second image of the document including the feature's second portion, the feature's second portion in the second image is determined to be free from a second imperfection. As a result, an image of the feature is created based on the first and second portions of the feature derived from the initial and second images, respectively.

Document verification by combining multiple images

The method, system, and non-transitory computer-readable medium embodiments described herein provide for identifying invalid identification documents. In various embodiments, an application executing on a user device prompts the user device to transmit an image of the identification document. The application receives an image including the identification document in response to the identification document being within a field of view of a camera of the user device. The identification document includes a plurality of visual elements, and one or more visual elements of the plurality of visual elements are one or more invalidating marks. The application detects a predetermined pattern on the identification document in the image, the predetermined pattern formed from the one or more invalidating marks. The application determines that the identification document is invalid based on the detected predetermined pattern.

Identifying invalid identification documents

A user device may capture a plurality of preview images that each include image data. The user device may process, in substantially real-time, a preview image to identify an object in the preview image, including determining an outline of the object. The user device may create a mask that hides a portion of the image data associated with an area outside of the outline of the object in one or more of the preview images. Based on determining that a parameter associated with glare of the object in the preview images does not satisfy a threshold, the user device may provide, in substantially real-time, feedback to a user, including an instruction to the user to perform an action with respect to the user device or to the object, and, based on determining that the parameter satisfies the threshold, the user device may automatically capture an image of the object.

Real-time glare detection inside a dynamic region of an image

Aspects disclosed are directed to a system and methods that device authentication. The system at least transmits a silent push notification to an application installed on a client device. The silent push notification includes a push token provided by a push service and an embedded secret. A response to the silent push notification can be received with a further embedded secret. The embedded secret and the further embedded secret can be compared to determine if they match. If the embedded secret and the further embedded secret match, the client device can be authenticated.

Growing community of inventors

Alexandria, VA, United States of America

Daniel Alan Jarvis