Capital One Services, LLC

Other

Daniel Beck

Jeffrey M Samitt

Paul Y Moreton

Lawrence H Douglas

Christopher M Wetzel

Hannes Mikael Jouhikainen

Drew Jacobs

Min Jung Kim

Joshua Meyer Wilbur

Abhinav Agrawal

Colleen Kerr

Riken Shah

Zeel Jha

John Schmidt

Krystle Voss

Jessica Bowman

Samantha Schneider

In some embodiments, a request to execute, via a first user device, a secure operation with a computing system may be detected (e.g., where the first user device satisfies a proximity condition with respect to a second user device). Authentication data corresponding to a single use token may be retrieved from the second user device based on (i) the request and (ii) the proximity condition being satisfied (e.g., where the single use token corresponds to static information associated with an account used to perform secure operations). The authentication data corresponding to the single use token may be provided to the computing system. An indication that the secure operation has been authorized may be received based on a verification of the authentication data corresponding to the single use token. The secure operation with the computing system may be executed based on the indication being received.

Systems and methods for authenticating transmission of secure information using a token

Methods and systems are provided for secure payment using tokens. Consistent with disclosed embodiments, a token may be used to authenticate a transaction. The token may include token information configured to replace at least a portion of static information required to authenticate a transaction. A financial services system may provide the token to a digital wallet. The digital wallet may communicate the token to a payment application. A user-associated device may implement the digital wallet and a payment device may implement the payment application. The payment application may provide the token information to a merchant system. The merchant system may provide the token information to the financial services system. The financial services system may authenticate the transaction using the token information received from the merchant system. The disclosed methods may further include determining the proximity of the user-associated device and the payment device to authenticate the request for secure payment.

Systems and methods for secure authentication of online transactions using tokens

Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user and receives a response from the invited user to the at least one invitation, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account.

System and method for providing a group account

In one embodiment, a system comprises a database configured to store at least one record, at least one network communication device, a storage device comprising instructions, and at least one processor configured to execute the instructions to perform a method. The method may comprise receiving a fraud communication associated with a first primary account number, calculating one or more limitations associated with the first primary account number based on an account associated with the first primary account number, and storing a database record including the first primary account number, a new primary account number, and the limitation(s). The method may further comprise receiving a transaction request including a second primary account number, and comparing the second primary account number to the at least one record. The method may also comprise, based on the comparing, enabling the transaction request to proceed, declining the transaction, or disabling the first primary account number.

Systems and methods for temporary transaction processing

Baseboard covering device

System and methods for temporary transaction processing

A system for temporarily enabling an otherwise disabled payment account for use in a transaction is configured to provide, based on a determination to disable a user's payment account, instructions to a user device of the user for displaying an application interface enabling the user to request to temporarily register the payment account for use in a transaction. The system is configured to receive a request, from the user device, to temporarily register the user's payment account to enable use of the payment account in a transaction, wherein the payment account is otherwise disabled based on a determination of fraud or possible fraud on the payment account, associate with the payment account, a transaction rule responsive to the request, the transaction rule defining a window of time in which a received transaction authorization request may be authorized for the payment account, and determine whether to approve the received transaction authorization request according to the temporary transaction rule, the determination being based on whether the transaction authorization request is received during the window of time. The system is also configured to transmit an authorization response to the transaction authorization request based on the determination.

Systems and methods for temporarily activating a payment account for fraud prevention

System to automatically restore payment purchasing power

Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account based on at least one selection received from the device, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user over the network and receives a response from the invited user to the at least one invitation via the network, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account so that the group fund account may fund the first account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account.

A tray member is provided including at least one pair of opposite side margin depending flanges and a center downwardly recessed portion whose undersurface is co-planar with the lower edges of the depending flanges. The downwardly recessed center portion defines an upwardly opening recess in which to receive the lower end of a paint can and the tray member includes widely spaced apart depending threaded shanks from which a clamp bar is supported through the utilization of wing nuts threadedly engaged on the shanks. The tray member may be slid into position on the horizontal shelf of a step ladder and removably clamp engaged with the shelf by tightening the wing nuts in order to clamp the shelf between the clamp bar and the underside of the tray member. In addition, the upper surface of the downwardly recessed central portion of the tray member as well as the upper surfaces of the tray member disposed about the downwardly recessed central portion of the tray member are covered with magnetized panels, whereby ferris material items placed thereon will be magnetically held in position on the tray member.

magnetic support tray for ladder shelf

Growing community of inventors

Arlington, VA, United States of America

Daniel Beck