Capital One Services, LLC

David Gabriele

Joshua S Edwards

Adam Vukich

Vu Nguyen

Abdelkader M'Hamed Benkreira

Jonatan Yucra Rodriguez

Mykhaylo Bulgakov

Andrea Montealegre

Justin Smith

Ljubica Chatman

Tyler Maiman

Lin Ni Lisa Cheng

Damaris Kroeber

Kevin Grant Osborn

Wayne David Lutz

George Bergeron

Saleem Ahmed Sangi

Daniel John Marsch

Drew Jacobs

Justin Wishne

Matthew Mitchell

Matthew Dabney

Callie Kooiker

Michael Pankratz

Abdelkadar M'Hamed Benkreira

Devin Barth

Daniel Herrington

Abdelkader M′Hamed Benkreira

A method of facilitating an augmented reality experience to purchase an item at a merchant location may be provided. The method may include storing profile data, receiving location data and environmental data from a computing device associated with the stored profile data. Upon determining that the user device has entered a predefined merchant location, the method may include initiating a sequence of augmented reality modes including at least a first augmented reality mode associated with the selection of an item and a second augmented reality mode associated with the payment of the item. The user device may display virtual content in association with each mode, and upon detecting predetermined user inputs such as gestures, fixed gazes, or moving through thresholds, the system may enable the selection and payment of one or more items by sending a purchase request to a merchant terminal.

Augmented reality systems for facilitating a purchasing process at a merchant location

The present disclosure relates to systems and methods for facilitating shopping and purchasing. The systems and methods for facilitating shopping and purchasing use an identity tag as an item tracker and/or a transaction enabler.

System and method for facilitating shopping and purchasing using an identity tag

An automated method is provided for initiating a transaction function in a transaction processing device. The method comprises establishing near field communication between the transaction processing device and an NFC transmitting device having an associated tag identifier and receiving NFC information including the tag identifier. The transaction processing device transmits the NFC information to a merchant processor and receives from the merchant processor a tag rule communication including an instruction to carry out a transaction function associated with the tag identifier or a request to associate a new transaction function with the tag identifier. Responsive to receiving an instruction to carry out a transaction function associated with the tag identifier, the transaction processing device executes the transaction function. Responsive to receiving a request to associate a new transaction function with the tag identifier, the transaction processing device transmits a request response to the merchant processor.

System and method for varying a function triggered by near field communication

In some implementations, a server device may receive, from a client device, a script identifier, that identifies a script, and an indication of whether the script was successfully executed by the client device. The server device may determine whether a condition associated with disabling the script is satisfied based on the script identifier, the indication of whether the script was successfully executed by the client device, and stored information determined based on a plurality of indications of whether the script was successfully executed by a plurality of other client devices. The server device may selectively cause a data structure to be updated to indicate that the script is disabled based on determining whether the condition is satisfied. The data structure may be used to indicate whether the script is enabled prior to execution of the script.

Disabling a script based on indications of unsuccessful execution of the script

A device attempts to access a resource that requires a multi-factor authentication (MFA), and receives, from an MFA server device, a challenge form. The device performs natural language processing on the challenge form to determine a first location of an input for a security code and a second location of a verify button. The device provides, to an email server device, a request to access emails associated with a user of the device, and receives access to multiple emails associated with the user. The device processes the multiple emails to identify an MFA email in the multiple emails, and identifies a security code in the MFA email. The device provides the security code at the first location, and selects the verify button at the second location. The device provides the security code to the MFA server device, and receives information indicating whether the device is authenticated.

Utilizing natural language processing to automatically perform multi-factor authentication

Disclosed herein are system, method, and computer program product embodiments for generating and displaying virtual number information using augmented reality technology. Interaction with virtual number information may be provided via an augmented reality display in relation to a payment object that is detected within a real-time view of an augmented reality application. Exemplary operations of the augmented reality application include providing a real-time view via the mobile device, processing a payment object shown via the real-time view, generating a virtual number based on processing of the payment object, and utilizing the generated virtual number.

Augmented reality virtual number generation

In some implementations, a device may detect loading of a first web page associated with a domain, and may create an inline frame element that references a second web page associated with the domain. The second web page may require an authenticated user session to access particular content of the second web page. The device may insert the inline frame element into code for the first web page, and may transmit a request for the second web page based on inserting the inline frame element into the code for the first web page. The device may receive a response to the request for the second web page, and may determine whether there is an authenticated user session for the domain based on the response. The device may selectively perform an action based on determining whether there is an authenticated user session for the domain.

Determining whether an authenticated user session is active for a domain

An exemplary system, method, and computer-accessible medium for providing a financial account recommendation to person(s) can include receiving a transaction history for the person(s) associated with a first financial account, determining first rewards information based on the transaction history, accessing database(s) containing rewards rates for a plurality of second financial accounts, determining second rewards information for a particular second financial account of the plurality of second financial accounts based on the transaction history, and providing the financial account recommendation to the person(s) to one of (i) keep the first financial account or (ii) switch to the second financial account based on a comparison of the first rewards information to the second rewards information.

System, method and computer-accessible medium for providing financial account recommendation based on use of benefit

Systems and methods for decision-making with multi-channel data inputs are provided. The system includes a plurality of devices, and a server in data communication with the plurality of devices. The server includes a decision engine, a sentiment analysis machine learning model, and a behavior analysis machine learning model. The server is configured to: receive the at least one data input from each of the plurality of device; perform, using the sentiment analysis machine learning model, a sentiment analysis on the at least one data input to generate sentiment information indicative of an emotional state of a user; perform, using the behavior analysis machine learning model, a behavior analysis on the at least one data input to generate behavior information indicative of a behavioral state of the user; determine, using the decision engine, a responsive action based on the sentiment information and the behavior information; and perform the responsive action.

Systems and methods for automatic decision-making with user-configured criteria using multi-channel data inputs

A device may receive a command associated with identifying a merchant for a virtual card swap procedure wherein the virtual card swap procedure is to replace a credit card of a user with a virtual card corresponding to the credit card. The device may identify the merchant for the virtual card swap procedure based on the command. The device may obtain the virtual card for the user. The device may determine a virtual card swap procedure template for the merchant. The device may perform the virtual card swap procedure based on the virtual card swap procedure template.

Voice-assistant activated virtual card replacement

A device identifies one or more user interface elements, in a user interface, associated with a fixed positioning characteristic and not positioned within another user interface element with the fixed positioning characteristic. The device repositions the one or more user interface elements in the user interface to vacate space for a new user interface element based on a size of the new user interface element and forgo repositioning one or more other user interface elements in the user interface that do not have the fixed positioning characteristic or are positioned within another user interface element with the fixed positioning characteristic. The device inserts the new user interface element into the user interface in a portion of the user interface vacated in connection with repositioning the one or more user interface elements, and provides the user interface for display based on inserting the new user interface element into the user interface.

Rule-based user interface layout rearrangement

A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.

Systems and methods for a user interface for making recommendations

A device may initiate an automated script to perform one or more interactions with a browser application and identify a first element in a page rendered by the browser application that satisfies one or more accessibility criteria, wherein the first element may include text that is readable by a screen reader application and/or an attribute that causes the first element to be navigable using a keyboard. The device may modify the first element to be inaccessible to the screen reader application and the keyboard and insert, into the page, a second element including text that is readable by the screen reader application to describe the one or more interactions that the automated script is performing. The client device may restore the page to an original state based on determining that the automated script has finished executing.

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New York, NY, United States of America

David Gabriele