Capital One Services, LLC

Jeremy J Phillips

Zhe Liu

Kurry Lu Tran

Andrew Grossman

Kevin Park

Rachel Collins

Edward Abbott

Catherine Bousquet

Hannah Volfson

Shane F Blackman

Andrew Beane

Daniel Filler

Jeremy Rephlo

Joseph Goldstein

Ashay Sheth

Maxime Moise

Zachary Podbela

Saleem Ahmed Sangi

Thomas L Dodson

Mitchell Miller

Wenjie Liu

Nathaniel McKinnon

Matthew B Konopa

Kenneth Kuo

Sonu Chopra-Khullar

Ehab Awadallah

Daniel Gomez Seidel

Christopher Overend

Jeff Pharr

Ari Horowitz

Elizabeth Epstein

Nitiben Sheth

David Perks

Shevata Tula

Christopher Schott

Aditya Joshi

Wenjie (Jessica) Liu

James Newton

Justin Crist Lee

St John G Hill

A system, apparatus, and method are disclosed to enable a bank to send a secure object to a bank customer at a remote location. In addition to performing authentication, the system and method exploit the payment rails to verify transactions by the bank customer, as well as to confirm the physical location of the customer. The bank customer who is successfully verified may receive the secure object by courier at the remote location within a limited time period of the request.

High authentication layer to determine a person's location when considering sending a secure object

Disclosed herein are system, method, and computer program product embodiments for using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM. The customer may stage a transaction using a mobile application on a mobile device. Upon the staged transaction being authenticated and approved, a machine-readable image may be transmitted to the mobile device. When the customer visits the ATM, the machine-readable image on the mobile device may be captured by the ATM and sent to an application server from the ATM. The application server may associate the ATM with the staged transaction that is staged using the mobile application, and send instructions to the ATM to dispense cash according to the staged transaction.

Using a third party dynamic QR code on a personal mobile device to complete a transaction at an ATM

Various embodiments are generally directed to techniques utilizing computers to determine one or more locations for a customer to pickup a product based on a trained models. Embodiments may also include generating a code that may be utilized to obtain the product and perform a verification operation.

Computing techniques to predict locations to obtain products utilizing machine-learning

An automated method is provided for enabling and implementing a beacon-based service location application in a user device having a beacon monitoring application. A service location facilitation server establishes service need criteria for a user of the user device and estimates a service need state for the user. The service need state includes information indicative of a relative need for a desired service. The service location facilitation server then determines whether the service need state meets the service need criteria, and, if so, transmits an instruction to the user device to transition the beacon monitoring application from an inactive state to an active monitoring state.

System and method for activating a beacon-based service location application

Methods and systems described herein provide for protecting user information in an overlay service. Protecting user information may include redacting personally identifiable information (PII) from information that may be exposed to third parties. Additionally, protecting user information may include opening a second account on behalf of the user using a plurality of unique identifiers in lieu of information identifying the user. This protects users' identities and privacy as their assets are transferred between various institutions.

Method and system for protecting user information in an overlay management system

Disclosed herein are system, method, and computer program product embodiments for creating a personalized visual code for completing a transaction at an Automated Teller Machine (ATM). An embodiment operates by receiving a request to complete a transaction from a mobile application on a user device, pairing the transaction with an ATM, retrieving information unique to the user, generating a personalized visual code based on the information unique to the user, and generating a rule for presenting the personalized visual code on the ATM, the rule including at least one of: i) when the personalized visual code should be presented, ii) how long the personalized visual code is to be presented, or iii) how the personalized visual code should move when presented on the ATM.

Personalized QR codes for ATM authentication

Disclosed herein are system, method, and computer program product embodiments for allowing completion of cardless transactions at a kiosk using an encoded identifier for that kiosk. A user of a mobile app may begin a transaction on their mobile device and, upon reaching a stage of the transaction where kiosk access is needed, receive instructions to visit a kiosk and scan the encoded identifier displayed by the kiosk. The scanned encoded identifier may be associated with the transaction, and the mobile app may transmit a request to complete the transaction at the kiosk.

ATM transactions using barcodes in multiple states

A device may receive application questions for an individual applying for credit with an organization. The device may broadcast the application questions to additional devices that have access to a distributed ledger for sharing credit worthiness information to cause at least one of the additional devices to generate an application response to the application questions and to process the application response using a smart contract. The device may receive one or more application responses that have been encrypted. Each of the application responses may include particular credit worthiness information relating to the individual. The device may decrypt the application responses. The device may determine a credit worthiness score for the individual using the application responses. The device may perform one or more actions that allow the device or another device associated with the organization to use the credit worthiness score to determine whether to approve the individual for credit.

Secure system

A central entity can be in communication with a terminal and a plurality of authentication entities. The central entity can receive a token from the terminal and the central entity can decide to transmit the token to a subset of the plurality of authentication entities. The authentication entities which receive the token, can verify or authenticate the token and transmit an authentication message to the central entity. Based on the authentication messages, the central entity can transmit a message to the terminal indicating which authentication entities authenticated or verified the user and/or a request associated with the user.

System and method for agnostic authentication of a client device

A device may receive transaction data indicating that a transaction occurred. The transaction may be between a first user of a first device and a second user of a second device. The device may receive, from the first device, first sensor data indicating a first location recorded by a first sensor of the first device at a first point in time associated with the transaction; and receive, from the second device, second sensor data indicating a second location recorded by a second sensor of the second device at a second point in time associated with the transaction. Based on the transaction data, the first sensor data, and/or the second sensor data, the device may determine whether the transaction occurred and perform an action based on the determination of whether the transaction occurred.

Transaction confirmation and authentication based on device sensor data

Disclosed herein are system, method, and computer program product embodiments for authenticating a mobile user via an authentication method determined based on a token level associated with the action being completed. An authentication token is created corresponding to the token level and the authentication token is sent to the mobile device. This authentication token may be used to authenticate subsequent actions and engage various services to complete the actions using application programming interfaces. The authentication token stored on the mobile device obviates the need for a user to authenticate multiple times to complete actions requiring a similar token level. The system may authenticate the identity of the mobile user using various authentication methods.

Authenticating a customer to a risk level using an authorization token

An authentication method includes assigning a risk status to a request received from a remote interaction system, transmitting a notification communication to a device associated with the request, monitoring interaction data from an interaction network, and identifying, from the monitored interaction data, authentication interaction information, the authentication interaction information including a coded sequence and a predetermined authentication identifier. The authentication method also includes comparing the coded sequence in the authentication interaction information to an expected coded sequence and transmitting a verification communication after determining the coded sequence in the authentication interaction information matches the expected coded sequence.

Methods and systems for authentication for high-risk communications

The present disclosure provides computing systems and techniques for indicating an emotional and/or environmental state of a user in a digital messaging application. A computing device can determine an emotional and/or environmental state of a first user responsive to reading or responding to a message and can convey the determined emotional and/or environmental state to a second computing device, to be transiently presented by the second computing device.

Typifying emotional indicators for digital messaging

In an automated product delivery method a request for delivery of a product is received from a user device. One or more product delivery options are determined and transmitted to the user device and a selected product delivery option is received from the user device. The product is provided to the selected delivery location in advance of the selected delivery time window. A delivery processing server receives user device location information and determines an estimated arrival time of the user at the delivery location. At the estimated arrival time, the product is securely staged for pickup by the user. The delivery processing server receives user validation information, and responsive to validation of the user information, transmits to the delivery location processing device, an instruction to allow access to the product by the user, and access to the product by the user is allowed.

Automated system and method for staging products at pickup locations

An intelligence platform determines that a package was delivered to a location, and receives real-time information associated with the package or location. The real-time information includes sensor data received from one or more sensor devices disposed proximate to the package, or third party data received from one or more third party devices associated with a geographic region that includes the location to which the package was delivered. The intelligence platform determines, using a machine learning model, a score for the package based on the real-time information, where the score predicts a measure of vulnerability of the package, and determines whether to retrieve or protect the package based on the score. The intelligence platform selects an unmanned vehicle (UV) to retrieve or protect the package based on vehicular data, and transmits instructions to the UV to cause the UV to navigate to the package and retrieve or protect the package.

Growing community of inventors

McLean, VA, United States of America

Jeremy J Phillips