Capital One Services, LLC

Elisa-Michelle Rodriguez

Lin Ni Lisa Cheng

Kyle Rankin Johnson

Michael Saia

Leeyat Bracha Tessler

Rocky Guo

Angelina Wu

Kevin Grant Osborn

Latika Gulati

Systems and methods of providing multimodal ATM accessibility are disclosed. In one embodiment, an exemplary computer-implemented method may comprise detecting a presence of a wireless device of a user in proximity to the ATM; establishing a communication session between the ATM and the wireless device based on a session key; instructing an app to provide a first graphical user interface (GUI) to the user; authenticating the user for access to the user account at the wireless device based at least on the entered account login information; and commencing, in response to successful authentication of the user, an ATM transaction session for the user by instructing the app to provide a second GUI to the user at the wireless device, the second GUI comprising one or more GUI elements operable by the user to perform one or more ATM transactions with the user account at the wireless device.

Computer-based systems configured to provide multimodal ATM access via mobile devices and methods of use thereof

Systems and methods of the present disclosure enable virtual tokens for dynamically mapping virtual account numbers to actual accounts. The systems and methods include receiving an electronic data modification instruction of a virtual record modification to cause at least one data modification to at least one attribute of a virtual record data structure associated with the actual account. A user record associated with the virtual record is determined, and a record modification preference associated with the user record is determined based on the modification condition. An authorization instruction is generated to authorize the electronic data modification instruction to cause the modification by instructing at least one database management system to modify the user record according to the record-specific modification.

Computer-based systems configured for authenticating based on generated virtual tokens and methods of use thereof

Disclosed herein are system, method, and computer program product embodiments for recommending a service provider. An embodiment operates by receiving a search request specifying a service request by a user and location for the requested service, retrieving prior financial transactions of the user to purchase the service from a database, and determining a preference of the user based on the retrieved prior financial transactions. The embodiment further operates by applying the preference to a model trained to output a recommended service provider and selecting the recommended service provider for display on a user's device. The model more likely recommends service providers in the location having a higher ratio of tip-to-price relative to other providers for the service in the location based on a history of prior financial transactions of a plurality of users.

System and method to recommend a service provider

Growing community of inventors

Vienna, VA, United States of America

Elisa-Michelle Rodriguez