Capital One Services, LLC

George Bergeron

Adam Vukich

Mykhaylo Bulgakov

Joshua S Edwards

Bryant Alan Yee

James Zarakas

Andrea Montealegre

Abdelkader M'Hamed Benkreira

Kevin Grant Osborn

Eric Loucks

Brian Lee

David Gabriele

Kyle Rankin Johnson

Vu Nguyen

Sarah Jane Cunningham

Jeffrey Rule

Colin Hart

Rajko Ilincic

Kaitlin J Newman

Cruz Vargas

Abdelkader Benkreira

William Carroll

Ljubica Chatman

Abdelkadar M'Hamed Benkreira

Kyle Johnson

Transaction cards, systems and methods involving an on-card display and an associated mobile computing device utilized for authenticating transactions are disclosed. In one embodiment, an exemplary transaction card may comprise transaction circuitry configured to conduct purchase transactions involving a mobile computing device coupled to or associated with the transaction card, communication circuitry configured to communicate with a provider of the transaction card, an e-ink display configured to display a QR code on the transaction card for use in authentication, data storage configured to store the QR code, and computer readable media having instructions for initiating a second-factor authentication process and displaying the QR code on the e-ink display to be captured by the mobile computing device and transmitted to a system or server for validating the second-factor authentication process.

Transaction cards and computer-based systems involving an on-card display and mobile device for authenticating transactions and methods of use thereof

Systems, methods, and apparatuses are described herein for performing sentiment analysis on electronic communications relating to one or more image-based communications methods, such as emoji. Message data may be received. The message data may correspond to a message that is intended to be sent but has not yet been sent to an application. Using a first machine learning model, one or more subsets of the plurality of emoji may be determined. The one or more subsets of the plurality of emoji may comprise one or more different types and quantities of emoji, and may each correspond to the same or a different sentiment. Using a second machine learning model, one or more emojis may be selected from the one or more subsets. The one or more emojis selected may correspond to responses to the message.

Response prediction for electronic communications

A computing system determines that a third party system has been exposed to a digital security violation. The computing system identifies a first user account of a user registered with the computing system that has a corresponding account associated with the third party system. The computing system determines that the first user account has stored a first set of user credentials for the corresponding account associated with the third party system at a storage location accessible by the computing system. The computing system launches a series of web browsers configured to access a first website associated with the third party system. The computing system executes, via a first web browser of the series of web browsers, a first automated script specific to the first website associated with the third party system. The computing system performs at least one of a plurality of remedial operations with respect to the corresponding account.

Digital security violation system

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

Systems and methods for secure access are provided. The secure access system includes a contactless card, a user device, a processor, and a storage device. The processor receives a first authentication request from the user device. Then, the processor transmits a first authentication credential associated with user login data to the user device. Next, the processor receives a second authentication request from the user device. Upon receipt of the second authentication request, the processor transmits a second authentication credential associated with a contactless card to the user device. Then, the processor receives a first code from the user device, and the storage device performs one or more access actions based on the first code.

Systems and methods for secure access of storage

Systems and methods for secure browser session transfer are provided. The system may include memory and one or more processors coupled to the memory. The one or more processors may be configured to establish a connection with an active web session of a first browser. The one or more processors may be configured to transfer, based on the established connection, the active web session to a second browser so as to preserve a first set of objects of the active web session of the first browser. The one or more processors may be configured to receive one or more parameters as a first input in the active web session of the second browser. The one or more processors may be configured to execute a plurality of actions in the active web session of the second browser that are responsive to the receipt of the first input.

Systems and methods for secure browser session transfer

A method comprises: monitoring a data stream comprising a plurality of data events; identifying a data pattern comprising one or more of the plurality of data events; determining that at least one of the data events comprising the data pattern supports virtual card generation; determining that the at least one of the data events comprising the data pattern is performed using a physical card number at a geolocation; determining that at least one virtual number has been associated with profile data associated with a user; transmitting a notification comprising a request to generate a virtual number; and upon receipt of an approval of the request, executing a script to generate the virtual number and associate the virtual number with the geolocation.

Systems and methods for data security

A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score.

User profiling based on transaction data associated with a user

In order to facilitate automatic message prioritization, systems and methods are described including a processor that receives electronic messages, where each electronic message is associated with a sender and a recipient. The processor utilizes a message prioritization machine learning model to predict a current prioritized ordering of the electronic messages based on parameters associated with each electronic message, where the parameters include a calendar event parameter representing a calendar event associated with each electronic message, a personnel parameter associated with the sender of each electronic message, and a message subject parameter associated with a subject of each electronic message, where the current prioritized ordering includes an order of notification of each electronic message according to priority based on an interaction history of historical electronic messages associated with the sender The processor causes to display the electronic messages according to the current prioritized ordering.

Computer-implemented systems configured for automated machine learning contact priority prediction for electronic messages and methods of use thereof

A toll transponder may receive transaction card data identifying a transaction card associated with a transaction account. The toll transponder may provide to a toll server device, and via a toll antenna of a toll collection system, a request for a transaction amount for a vehicle toll, and may receive a response requesting authorization for payment of the transaction amount. The toll transponder may determine, based on the response, an authorization request cryptogram for payment of the transaction amount, and generate an encrypted signal identifying the authorization request cryptogram, the transaction card data, and a toll transponder identifier identifying the toll transponder. The toll transponder may provide the encrypted signal to the toll server device via the toll antenna, and may receive from the toll server device, via the toll antenna, data indicating whether the transaction amount for the vehicle toll is approved.

Vehicle toll transponder for enabling multiple transaction cards and securely providing transaction card details

Various embodiments are generally directed to improving card security by providing a user a contactless card with no sensitive card information, such as card number, card verification value, and expiration date, printed thereon, and displaying the sensitive card information relative to the card in augmented reality (AR) based on successful NFC-based user authentication. According to examples, the NFC-based user authentication may be performed by one-tapping or single tapping the contactless card to user mobile device. One or more portions of the sensitive card information may be obfuscated to further enhance card security. Moreover, the user can interact with AR elements including the sensitive card information to perform various actions.

Augmented reality information display and interaction via NFC based authentication

Disclosed herein are system, method, and computer program product embodiments for providing an untrained machine learning model with a combined message and an appropriate emoji reaction icon. An embodiment operates by receiving a first and second user message. The first and second user comprises a first and second user text or a first and second user-inserted emoji reaction icon, respectively. The first or second user text is associated with a first or second system-specified emoji reaction icon, respectively. Thereafter, the first user message is determined to be associated with the second user message, the combined message is created based on the first and second messages, and the appropriate emoji reaction is identified as associated with the combined message. The combined message and associated appropriate emoji reaction icon are then sent to an untrained machine learning model configured to for training.

Combining multiple messages from a message queue in order to process for emoji responses

Systems, methods, apparatuses, and computer-readable media for cryptographic authentication to control access to storage devices. An applet executing on a processor of a contactless card may receive, via a wireless communications interface of the contactless card, a request to access a storage device of the contactless card, where the storage device is in a locked state. The applet may generate a cryptogram based on the request and transmit the cryptogram to a computing device via the wireless communications interface. The applet may receive, from the computing device, an indication specifying that a server decrypted the cryptogram. The applet may transmit, to a controller of the storage device and based on the indication specifying that the server decrypted the cryptogram, an indication specifying to unlock the storage device. The controller may transition the storage device from the locked state to an unlocked state based on the indication received from the applet.

Cryptographic authentication to control access to storage devices

A device may receive application data associated with transaction applications of client devices and transaction card data associated with transaction cards. The device may receive geographical data identifying a geographical area associated with users of the client devices and the transaction cards. The device may determine, based on the application data, the transaction card data, and the geographical data, location data identifying geographical locations of the users in the geographical area. The device may determine, based on the location data, quantity data identifying quantities of the users located on multiple paths of the geographical area. The device may process the geographical data, the location data, and the quantity data, with a machine learning model, to identify a path with less than a threshold quantity of users in the geographical area. The device may perform one or more actions based on the path.

Utilizing machine learning and a network of trust for crowd and traffic control and for mapping a geographical area

In order to facilitate electronic meeting scheduling and coordination, systems and methods are disclosed including receiving, by a processor, a plurality of electronic meeting requests to schedule a meeting. The processor determines, for each electronic meeting request, meeting room needs. A meeting scheduling machine learning model is utilized to predict parameters of meeting room objects representing the candidate meeting rooms based at least in part on the meeting room needs, schedule information associated with a respective electronic meeting request and location information associated with the respective electronic meeting request. The processor causes an indication of the candidate meeting rooms to display in response to the electronic meeting request on a screen of computing devices associated with the respective attendees based at least in part on the predicted parameters. The processor receives a selection of the respective candidate meeting rooms from the respective attendees, and dynamically secures each candidate meeting room.

Growing community of inventors

Falls Church, VA, United States of America

George Bergeron