Capital One Services, LLC

Daniel Makoski

Carl Alexander Cepress

Janak Dadhaniya

Cheng Xu

Elwin Ong

Andrew Viny

Michael Philetus Weller

Jason Deperro

Matthew Stern

Makiko Taniguchi

Austin Anderson

Lin Yang

Methods, systems, and articles of manufacture for providing user participatory design as a process to generate unique patterns on transaction cards are disclosed. For example, a system for providing an interactive design environment for designing a transaction card is disclosed. Accordingly, the system may provide for deeper customization of transaction cards through generative patterns curated by designers and informed by end-users. As a result, the patterns on transaction cards may be unique to every user, and these unique patterns may provide additional security functions to cardholders.

Systems and methods for pattern generation and security features

In one embodiment, a server is provided for providing real-time monitoring of spending limits. The server may include memory storing software instructions, and a processor(s) configured to execute the software instructions to perform operations. The operations may include determining that a user has interacted with a store item in a retail environment. The operations may also include accessing a user profile of the user that includes a savings goal of the user, and determining that purchase of the store item would meet at least one trigger condition associated with the savings goal. The operations may further include generating an analysis of the estimated impact of the purchase to the savings goal, and providing the analysis to a device for display to the user while the user remains within the retail environment.

Systems and methods for providing real-time monitoring of spending limits

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Palo Alto, CA, United States of America

Daniel Makoski